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Home Insurance

  • In house claims
    In-house claims
    Coverage for rented & owned homes
  • Protect house and contents
    Protect house & Contents
    Jewellery & valuables items
  • Instant policy issuance
    Instant Policy Issuance
    No paperwork
  • Cover with multiple risks
    Cover with multiple risks
    Floods, Earthquakes, Theft, Fire etc...
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06-Feb-2025
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What is Home Insurance?

A home insurance is a property insurance covers your home due to natural calamities like floods, fire, earthquakes or man-made events like theft, burglary and malicious activities. Home insurance covers your own house, rented house, apartment or luxury mansion as well. In the past few years, natural calamities such as Uttarakhand earthquake and flood, Amphan cyclone, Gujarat earthquake have come unannounced and caused irreparable damage to homes across India. That's why having a home insurance policy is crucial to financial security and support, when you and your family need it the most.

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Why should I buy Home Insurance?

As a homeowner you need to secure your home from every possible peril. Here is some reasons to make home insurance a necessity:

  1. The home insurance provides cover for any damage/loss incurred either due to theft or robbery within 7 days of any insured event.
  2. Your property insurance policy is covered for natural calamities like earthquakes, floods, cyclones, storms etc. with a sense of satisfaction and peace of mind as it will secure you from any unwanted fiscal cost.
  3. If you intend to take a loan to construct a house or buy a house the lender verifies that the property is insured on, which you are looking forward to taking a loan.
  4. Home Insurance policy offers protection for home appliances such as air conditioners, refrigerators, television, microwaves and any other electrical appliances, it also covers furniture and furnishings and the jewellery as well the type of house insurance plan.
  5. It also secures you from any legal and third-party liabilities, in case, if a third-person suffers any kind of injury while on your property.
  6. You can cover your property due to fire accidents, explosions, implosions and bush fires.

Eligibility Criteria to Buy a Home Insurance Plan

  1. The owner of a flat or an apartment or an independent building can insure the structure and/or its contents such as jewellery, valuables, curios, paintings, and portable electronic equipment.
  2. A tenant or a non-owner can insure the contents of the house such as jewellery and valuables and portable electronic equipment.

Document required to Buy Home Insurance Plan

Make your application process smooth by keeping these documents handy:

  1. KYC document: Any one of the following documents can be submitted as identity & Address Proof
    1. PAN Card
    2. Aadhaar card
    3. Passport
    4. Driving license
    5. Voter ID
    6. Any other document issued by the central government in consultation with the IRDAI
  2. For homeowners: Property documents copy
  3. For renters: A rental agreement or lease contract
  4. Property Details: Property address, Property age and condition, The size of the home (including number of floors, rooms, etc.) and Construction details.

Documents Required to File Home Insurance Claims

  1. Filled up claim form with signed
  2. Photographs of the damage
  3. Repair bills, videos, and replacement costs along with payment receipt
  4. FIR (First Information Report) Copy if applicable

How to Buy Home Insurance Online?

  1. Visit Web online CA Website and visit Home insurance
  2. Enter your basic details such as name, age, gender and contact number
  3. Fill your property details, occupation type and annual income
  4. Once done, you will receive a call from our team and guide you on the next steps
  5. Select the most suitable plan and proceed to pay to generate a policy

FAQs About Home Insurance

What is home insurance?

It is a policy that covers your property damages caused by floods, earthquakes, theft, fire etc.

What is the duration of the home insurance policy?

The maximum duration of 5 years in this policy. Many Insurers provide discounts to their buyers up to 3% to 12% depending on the length of the tenure.

Can I buy a home insurance policy from two companies?

Yes, you can buy this policy from two companies. Both companies will pay you on a proportionate basis at the time of claim.

Can I cancel my policy at any time during the tenure?

Yes, you can cancel your policy at any time. However, the premium as per short period scales would be applicable.

Can I make a claim for a partially damaged home?

Yes, you should immediately inform the insurance company to make a claim.

Which plan is best for home insurance?

Policies that provide comprehensive coverage with affordable premiums and discounted rates. Griha Raksha policies is one of the best policies you can look for.

Can tenants take home insurance?

Yes, tenants or non-owner can also invest in home insurance to protect their contents of the house such as jewellery and valuables and portable electronic equipment.

What happens if I sell my house after purchasing a home insurance policy?

Home insurance policies generally cannot be transferred to the new owner of the property, home insurance policy stands cancelled. Your remaining premium from the balance period will be refunded by the insurer.

Is it mandatory to buy home insurance?

No, it is not mandatory but is advisable to protect your property due to natural calamities like floods, fire, earthquakes or man-made events like theft, burglary and malicious activities.

When does the insurance cover start?

Usually, home insurance coverage starts from the first day when policy premium is received by the insurer. Some companies cover after seven days of paying the policy premium.