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Home Insurance

Browse the many companies to choose from to secure your belongings from fire and other perils.

As an increasing number of Indians become owners of their own property, it is vital to have good householders insurance.

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A basic home insurance policy (also called homeowners insurance, householders insurance or fire insurance) covers either the building (the structure), certain of your belongings or both. Normally, the insurance company will compensate you in cases such as fire, explosion and in the unlikely event that a missile testing goes wrong and destroys your property.

On the other hand, burglary, theft and terrorism acts are mostly not part of a basic package. You can buy these as add-ons together with cover for many other things such as jewellery, electronics and bicycles.

The premium for a home insurance policy covering your house structure is calculated on the basis of either the reinstatement value – how much it will cost to give you a new item of same type and make – or the current market value of the property.

Below is an overview of insurance companies offering home insurance. You can also buy insurance cover from agents (representing a specific insurance company) or brokers (offering products from all insurers). The Insurance Brokers Association of India has a list of licensed insurance brokers.

Insurance prices are difficult to compare directly as the individual covers often vary a lot. For information about premiums and how to get an insurance quote, please click on the insurer’s name to go to the specific product page at their website.