Protect the Place You Call Home
Structure and contents cover against fire, theft, flood and more — compare home insurance plans built for Indian homeowners and tenants.
Overview
Why home insurance is often overlooked — and shouldn't be
Your home is likely your largest financial asset, yet home insurance remains one of the most underpurchased policies in India. A comprehensive home insurance plan protects the structure and its contents against fire, burglary, natural disasters and more, at a surprisingly low annual premium.
Care Health
HDFC ERGO
ICICI Lombard
Axis Max Life
TATA AIG
Star Health
Benefits
What you get with a home insurance plan
Structure Cover
Rebuild cost protection for fire, storm, flood and earthquake damage.
Contents Cover
Protection for furniture, electronics, jewellery and appliances inside your home.
Burglary & Theft Protection
Compensation for loss due to break-ins and theft, with optional add-ons.
Affordable Premiums
Comprehensive cover often costs less than a single monthly utility bill.
Compare
Home Insurance plan types at a glance
A quick look at the most common home insurance plan structures available in India.
| Plan Type | Coverage | Best For | Add-ons Available | Premium Range |
|---|---|---|---|---|
| Structure-Only Plan | Rebuild value of the structure | Homeowners with a bare-shell property | No | Low |
| Contents-Only Plan | Value of belongings inside | Tenants and renters | No | Low |
| Comprehensive Plan | Structure + contents | Homeowners wanting full protection | Optional | Medium |
| Landlord Plan | Structure + loss of rent | Property owners renting out homes | Optional | Medium |
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FAQs
Home Insurance — frequently asked questions
Most comprehensive home insurance plans cover damage from floods, earthquakes, cyclones and storms, though specific perils and limits vary by insurer and plan.
Yes. Tenants can buy a contents-only policy to protect their personal belongings, even if they don't own the structure they live in.
Basic contents cover often includes a limited amount for jewellery and valuables. Higher-value items may need to be declared separately or covered under a dedicated add-on.
Sum insured for the structure is typically based on the construction cost per square foot (not market value of land), while contents cover is based on the current value of your belongings.
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