Home Insurance

With our comprehensive & affordable Home Insurance plans, add a silver lining to every adversity, natural or man-made.

Protect your house from calamities & valuable contents from thefts starting @ 125/month*

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**All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*For 50 lakhs Structure Value

Reliance Home Insurance

Reliance Home Insurance by Reliance General Insurance Company is one of the leading general insurance companies in India with various insurance solutions or plans. Its reputation and indisputable leadership is known to all. The insurance plan varies from health insurance plans, motor insurance plans, marine insurance plans, travel insurance plans, and a host of other general insurance plans to cater to the requirements of insurance plans for several aspects of life.

Reliance Home insurance plans have all encompassing home insurance plans which protects the house in every possible way. The most precious and valuable possession is Home which a person makes with his or her hard earned money and for many this asset becomes the biggest investment of life and a dream home too. Hence, this home needs  a very special security and safeguard against all the risks and hazards which might arise and cause destruction / loss/ damage to the property/ building or its contents due to god’s peril or other threats which are created by human beings only like theft , robbery, house breaking etc. The most trustworthy name Reliance General Insurance Company with its , Householder’s Package Policy put forward such home insurance plan which covers all such risks and threats and gives a full coverage with complete peace of mind.

Why one should avail Reliance Home insurance plans?

There are couples of reasons as to why one should avail Home Insurance Plans from Reliance General Insurance Company; these can be summarized as follows:

  • Home Insurance Plans covers the risk and related loss natural and manmade eventualities.
  • The plans cover for cherished belongings and other valuables too.
  • This plan provides full protection to the property and its contents as well.
  • Plans come with low cost premium with rebates.
  • Flexibility to choose between two plans :
    • Amount of cover to be chosen first.
    • Items to be covered under the plan.
    • One can choose reinstatement value of a precious or valuable item.
  • Fast and hassle free claims.
  • Online query for applying the plan.

Now lets have an overview of the Reliance Home Insurance Plan which is named as Householder’s Package Policy or Plan.

The plan covers the following:

Home insurance

Fire and in addition to associated Perils :

  •  This plan covers the household goods like furniture, utensils, clothes, and such losses which are caused due to the following reasons:
  • Fire : The loss is covered against fire but the same excludes the damage or demolition caused to the property by
    • Normal heating or impulsive ignition.
    • Going through high temperature or ventilation process.
  • Explosion/ Implosion : Both explosion and implosion are covered other than loss damage or destruction which is  caused to the property by
    • To boilers and or caused by the centrifugal energy.
  • Lightening: A very common natural calamity, and the same is  covered under this plan.
  • Aircraft Damage:  Destruction and loss which is caused by aircraft  and  other aerial articles which are being dropped from other than those caused by air pressure.
  • Riots and Strike: Loss and destruction caused by peripheral and brutal ways which are caused directly to the property other than:
    • Whole or unfinished termination of work or disruption of any procedure or lapse.
    • Everlasting or provisional withdrawal.
    • Everlasting or provisional withdrawal of any building from illegitimate livelihood of anyone.
    • Robbery, stealing,  aggravated burglary or any such act by any individual.
  • Subsidence and  Landslide / Rockslide: Damage, destruction or loss caused by Subsidence of part of the site on which the property stands or landslide and rockslide except:
    • Normal cracking and settlement or bedding down of new structures.
    • Settlement or movement of made up ground.
    • Coastal or river erosion.
    • Faulty design by workmen.
    • Demolition, construction, repairs or structural alterations of any property.
  • Cyclone, typhoon, storm tempest, hurricane, tornado, flood and inundation, other than those which occurs  from earthquake, volcanic upsurge or other spasm of nature are also covered.
  •  Impact Damage: Loss and destruction caused to the insured property due to impact by  road, rail vehicle or animal by direct in contact which does not belong or owned by
    • Insure or the occupant of the property OR
    • Insured’s workers while working.
  • Terrorism: It covers the loss or damage arises due to terrorism as well.
  • Rocket Test Process.
  • Leakage from Automatic Sprinkler Installations.
  • Earthquake includes  Fire  and Shock:  Damage and loss to the insured property which is caused by earthquake or fire  comprising of flood or overflowing of sea reservoirs, lakes and rivers and landslide and rockslide.
  • Abundant flow and thereafter bursting  of water reservoirs, equipment and its pipes
  • Bush Fire.
  • The plan covers for the jewellery like gold, silver, precious metals and stones and other valuable items against damage or loss caused due to an accident, while present within the premises. The Sum Insured for such jewellery is restricted to 25% of the Sum Insured for “ Fire and Allied Peril and Other Contents subject to maximum of Rs 2 lakhs.
  • The coverage against damage or loss due to fire. Other than this, loss or damage due to terrorism and earthquake are in built in the insurance plan.
  • The plan covers upto maximum of Rs 25 lakhs of Sum Insured for the structure of the house.
Home insurance

Burglary and Housebreaking:

  •  The company will pay an amount of Rs 2 lakhs under the plan for the loss or damage caused to the items in the house If any theft, burglary, larceny or housebreaking occurs.
  • Loss and damage to jewellery like gold, silver, precious metals and stones and other valuable items due to theft, burglary, larceny or housebreaking will be equal to the chosen sum insured for the Fire and Allied Peril plan.

Domestic, Mechanical and Electrical Appliances. :

Under this plan, the Company will indemnify the insured against unanticipated and unexpected physical damage caused solely due to mechanical and/or electrical breakdown of domestic electrical and mechanical appliances, apparatus or gadgets. Provided the liability of the company will not exceed the sum insured in respect of any one item less than one policy period.

  • Under this plan, the coverage is for domestic mechanical and electrical appliances (upto 10 years old) against any mechanical and electrical breakdown.
  • The choice of items can be done can be done under the following categories:
  • Domestic electrical and mechanical appliances.
    • Washing Machine.
    • Microwave.
    • Air Conditioner.
    • Refrigerator.
    • Vacuum Cleaner.
      • Domestic Electronic appliances.
    • DVD Player.
    • Music System.
    • Personal Computer.
  • One can choose the coverage of electronic items like music systems, computers or any other domestic electronic appliances against fire and allied perils, burglary, breakdown etc. However, iPods, laptops, tablets and mobile phones are not covered under the plan.
  • If one has more than one television systems in the house, then the Sum Insured is calculated on the total value. The following are considered for the cover:
    • LEDs.
    • LCDs.
    • Plasma Screens.
    • Flat Screens.

The Company will indemnify the damage or loss caused to the Television sets under the   following circumstances:

    • Fire, lightening, explosion of gas in domestic appliances.
    • Abundant flow and thereafter bursting  of water reservoirs, equipment and its pipes
    • Earthquake including shock and fire.
    • Aircraft or articles dropped.
    • Riot, strikes and malevolent Damage.
    • Typhoon, Tempest, Tornado, Hurricane, storm, flood and Inundation.
    • Burglary, theft or housebreaking.
    • Mechanical or electrical breakdowns.

Personal Accident

  • Under this plan, one may receive the compensation for accidental death or permanent total disablement caused due to an accident. One can cover the family members aged between 5 years to 70 years.
  • The following coverages will apply to the family members under the plan:
    • Maximum Sum Insured for self and /or spouse, if earning can be the Sum Insured opted for under “Fire and Allied Peril-Other Content” for each person.
    • Under this plan, the Sum Insured for a non-earning spouse will be 50% of the earning member or Rs 1 lakh, whichever is less.
    • Children aged between 5 years to 25 years will have a Sum Insured of 25% of the earning member or Rs 50000 per child, whichever is less.
Home insurance

Exclusions under Reliance Home Insurance

The plan does not cover the loss of cash or damage to the insured property due to the below mentioned reasons:

  • Intentional or willful destruction of the property.
  • Loss and damage caused due to war.
  • Loss / damage caused due to wear and tear.
  • Volcanic upsurge or other seizure of nature.
  • Effluence and contamination damage.
  • Change of temperature which results in damage of stocks.
  • If the home is unoccupied for more than 30 days without any prior intimation to the company, the same will not be covered under the plan.
  • Consequential effects of the perils which are specified.
  • Loss of Art Work – paintings, antiques, or artwork unless they are separately covered. 
  • Seepage Losses: Damage to the house because of seepage. 
  • Mechanical and Electrical Background: Breakdown of mechanical and electrical appliances unless it is separately covered.
  • Damage caused because of pollution.
  • Nuclear war
  • Electronic appliances loss due to overuse or electrical fluctuation. 
  • Unmaintained property: If you do not maintain your property and then it gets damaged. In this case, the policy will not cover the damages. 
  • Self-Damage to Property: Any intentional losses to the property such as if the policyholder damages his/her property by him/herself, the damages will not be covered by the insurer. 
  • Impact of Government: Property loss as per the order of any court or government property. 
  • Pre-existing Losses/ Damages: Any pre-existing damage such as any wear and tear or any defects. 
  • Home Business: If you have a small business that you are running in your home, then its equipment is as well not covered under a home insurance policy.
  • Damage Due to Rodent: Your home or property can get damaged because of rodents and a standard home insurance policy like Reliance Home Insurance does not provide coverage for the same.


Nomination is required under this plan. Personal Accident Plan allows an individual and his family to be covered under one single plan. In such a scenario, a nominee has to be appointed. The nominee will be the beneficiary if the policyholder, suffer from a sudden death or permanent disablement.

Important Points in Reliance Home Insurance Plan

Some Important points to note under Householder’s Package Policy or Plan. These are as follows:

  • If the property is in joint name, the plan can be taken in either name. However, NOC ( No Objection Certificate) needs to be obtained from the co-owner during claims.
  • The Property or the Building value is calculated on the reinstatement basis which is its reconstruction value and not the market value. The following points are to be considered for calculating the Sum Insured:
  • The built up area of the house needs to be multiplied with the current construction cost per square foot.
  • The cost of land to be excluded from the calculation of the Sum Insured.
  • The cost of construction of any compound wall is to be taken into consideration.

An example can be taken: Mr Rudra has a house with built up area of 1500 sq feet and the cost of current construction rate is Rs 1000 per square feet, then the sum insured will be Rs 1500000/-.

  • The Property or the Building value is calculated on the reinstatement basis which is its reconstruction value and not the market value. The following points are to be considered for calculating the Sum Insured:
  • If the house has been rented, the tenants also can insure the contents of the home which belongs to them. However, the plan will not cover the building against any loss as tenants are not the legal owners of the property or due to tenant’s negligence.
  • In case the property is sold, the insurable interest ceases and the new owner will have to take fresh home insurance plans.
  • Partial insurance is not allowed under the plan.
  • One can do himself the valuation of the property and its contents while purchasing the plan online.

Reliance Home Insurance Claim Process:

Lets look at the claim process:

  • The claim needs to be registered or intimated at the toll free number of the insurance company within 24 hours of the accident.
  • The following details have to  provided :
    • Policy Number
    • Name of the Policy holder.
    • Nature of loss.
    • Date of accident.
    • Name and address of the attending Medical Practitioner.
    • Name of the Insured Person in whose name the claim is lodged.
  • The  following claim documents will have to be submitted:
    • Duly filed claim form.
    • Police FIR /Charge Sheet ( notarized copy)
    • Death Certificate in case of Death Claim
    • Disability Certificate in case of Disability Claim
    • Doctor’s prescription advising drugs and medicines.
    • Doctor’s referral letter advising hospitalization.
    • Original bills/ receipts and discharge certificate.
    • Post Mortem Report.

After verification and validation of the documents the claim will be processed.

Grievance Redressal

  • One can reach at the toll free number or email at rgicl.services@relianceada[dot]com.
  • If someone is not satisfied with the response, then one can email – Nodal Officer at rgicl.grievances@relianceada[dot]com.
  • The next level of escalation is one can email at Head Grievances at rgicl.headgrievances@relianceada[dot]com.
  • The last step will be the Insurance Ombudsman for further redressal.
Home insurance

Reliance Home Insurance- FAQs

1. How to pay a premium? What are the modes of payment available?

The Reliance General Insurance Company offers 2 modes of premium payment namely:

  • Cash payment at the branch
  • Online Payment

For the online payment mode, the policyholder can pay via;

  • Credit Card
  • Debit Card using ATM PIN
  • Debit card using 3 D secure
  • Net banking

2. How can I check policy status for Reliance home insurance?

You can check the policy status online, with username amd password in the Login tab, on the home page.

3. What is the policy renewal process for Reliance home insurance?
You can go for the online renewal on the website of the company. To renew the policy online you need to provide current policy details, such as policy number, Name, Vehicle registration number, e-mail address and contact details. Then you can have a premium calculation and if you proceed for the payment it will carry you to the payment gateways. As soon as you pay the premium, your policy is renewed.

4. What is the company’s process to settle claim for Reliance home insurance?
To settle the claim you can intimate the company by filling a form online and uploading relevant documents.
Upon successful acceptance of the process, the claims is settled with a week.

5. What is the policy cancellation process for Reliance home insurance?
Submit the policy documents with surrender form at the nearest branch. Upon successful proceeding, the refund is deposited directly in your bank account and the policy stand cancelled.

Reliance Home Insurance Reviews & Ratings

4.5 / 5 (Based on 3 Reviews)
(Showing Newest 3 reviews)
Fakirsahi, September 21, 2020
Online policy
I have got the reliance home insurance policy from the policybazaar. It is indeed a good plan which has given me so much support. Buying home insurance policy is very easy.
G.mahisani, September 21, 2020
Great plans
I have taken the reliance home insurance policy from the website of the policybazaar. It is a good plan for my home and has provided with certain safety features. Thanks
Howrah, May 16, 2016
Awesome Plan
This plan provides full protection to the property and its contents as well. Plans come with low cost premium with rebates. Fast and hassle free claims. Good investment policy. The service is very good provided by the executives and the staff members. I like the plan.