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

TATA AIG Instachoice Home Insurance

An easy and instant plan requiring no documentation procedures. It allows choosing and designing our own home insurance cover hassle free.

Eligibility:

  • Person residing in a self-owned or rented house.

Policy Benefits:

  • Fire and Special Perils: Covers home structure and belongings against fire/ earthquakes/floods/ lightning/thunderstorms/storms etc. and also man-made threats like terrorism, riots and strikes.
  • Rent for alternative accommodation: Additional rent amount in case of severe damage to house is borne up to a maximum limit of 30000 INR for 3 months.
  • Burglary &Theft: Covers Loss or damage in the event of Burglary/Theft (audio/visual appliances) or Attempted Burglary / Theft on a 1st loss basis.
  • Public Liability: Expenses or loss of guests/outsider at the Insured’s home is covered.
  • Baggage Loss: Covers Accidental loss/damage/theft of personal baggage outside municipal limits of city.
  • Breakdown of Domestic Appliances: Expenses against Mechanical/Electrical breakdown of domestic appliances at home are also covered.
  • Personal Accident: Covers Insured person due to accidental bodily injury anywhere in world.
  • Purchase Protection: Covers new items up to 30 days from the date of purchase.

Policy Details:

  • Easy and Instant
  • No Documentation
  • Flexible – Cover can be chosen according to Individuals’ need
  • Burglary cover for jewellery
  • Covers domestic appliances which are more than 8 years old and thus, preferred by home owners and non-owners both.

Exclusions:

  • Loss or damage caused by war, invasion, act of foreign enemy, pollution etc.
  • Expenses due to Architects/Surveyors and Consulting fees of engineer.
  • Loss by theft during or after occurrence of any insured peril
  • Expenses arising due to riots, strikes and terrorist activity..
  • If the loss or damage occurs while the house is unoccupied, kutcha construction.
  • Loss of money, securities, stamps, documents, jewellery, watches, precious metals, precious stones, gold or silver ornaments, travel tickets, cheques and bank drafts are not covered.
  • Death; disablement or bodily Injury self-inflicted or caused by misuse of any drugs/alcohol by the insured, his family or domestic staff.
Written By: PolicyBazaar - Updated: 18 September 2020