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  • Save around Rs 3000 per policy*
  • Better Assistance: We make you feel safe. At PolicyX.com, we secure your home, valuables and much more from the damage caused by unexpected incidents.
  • Why Compare: By comparing, you can get the best insurer which provides you the most suitable home insurance plan. Compare features and packages and get complete peace of mind.
  • Coverage: All insurers provide standard coverage. However, there are some insurers that are offering additional benefits to the customer.
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Best Home Insurance Plans from These Companies & More

Bajaj Allianz Home Insurance
HDFC-Ergo Home Insurance
Iffco Tokio Home Insurance
L&T Home Insurance

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A 'House' is a dream for many. Those who are fortunate enough to have their own house enjoy the homely warmth and the cozy feeling of their home with their near and dear ones. Owning a house is a proud moment for any individual and is perhaps the biggest investment ever done in his/her lifetime as it involves huge expenditure of money, time and emotions. Keeping all these in mind, it becomes imperative that you ensure your house and its belongings against threats like burglary, natural disasters, fire etc. The insurance will come at a fraction of the cost of your house but will ensure peace of mind for you and your family.

Before you get a comprehensive home policy as per your needs and requirements, it's vital that you compare all the policies being offered by different insurance. This is often very crucial to make sure that you simply get the simplest deal. Once comparing between numerous home insurance policies, you need to shortlist the one you want.

In India, home insurance is popular as a banking product. Being secure is better than being sorry- the essential tenet following the concept of insurance applies mainly to an emotional and costly insurance such as your family home. Aside from the structure itself, a good home insurance policy provides protection to the objects, appliances and prized belongings included in the home. A trustworthy home insurance policy is not just the protector of your cherished home, but also of the precious and unique memories and emotions that reside therein.



Home Insurance Coverage and Premium

When deciding which home policy to shop for, coverage is amongst the foremost necessary factors. The policy you selected should provide coverage against all the risks that your home is liable to. You must ideally select a home insurance policy that provides comprehensive coverage against all perils.


Features of Home Insurance:

Subscribing to a comprehensive home policy permits you to certain features :

How To Choose The Best Home Insurance Plan In India

Before continuing ahead, one should familiarize with the terminologies associated with home insurance policy

You must pay attention to free online home insurance quotes that help you in comparing policies available from top insurers. It will help you in choosing the best home insurance policy.

  • You can compare home insurance plans from the top-most insurance companies within minutes
  • You can buy the policy that fits your requirement within 5 minutes without much documentation
  • Unbiased and specific home insurance comparison service
  • Get the best quotes through our home insurance premium calculator
  • We provide expert advice with related articles and news to keep you posted on latest development and plans by home insurance companies in India

Benefits and Features of Home Insurance in India

Top advantages of Home Insurance

There is no denying of the fact that home insurance is vital as there are several advantages related to purchasing such a policy. Have a glance below:

Features

  • Covers for fire & allied perils and burglary under one policy
  • Covers building & household contents
  • Flexibility to pick between best-suited plans for your home
  • Discount for accessibility of security system underneath burglary section
  • Online purchase option with minimal documentation

Why Compare Home Insurance With PolicyX.Com

A typical home insurance, provided by an Indian insurance firm, can offer the insured (house and its contents) protection against the following-

Natural Causes- Storm, Hurricane, Tornado, Flood, Earthquakes, Lightning, Inundation, Landslide, Rockslide, etc.

Man Made Causes- Explosions, Riot, Strike, Terrorist acts, Implosion, Malicious harm, Missile tests resulting in harm, Leakages, etc.

The premium quantity applicable to the subscriber is determined by two factors- 1) Place of the insured property, and 2) Applicable tenure of insurance. Ideally, home insurance will stretch from a minimum of three years to at most thirty years. Again, these conditions are specific to the house insurance underwriter in question. Compare plans online on PolicyX as it will help you in choosing the best home insurance policy that can save a large amount of your money in case of a mishap

PolicyX.com is an IRDA registered portal and follows the norms for accurate and reliable home insurance comparison

Home Insurance - Inclusions & Exclusions

A good home insurance provides protection to your house against unforeseen calamities. The basic inclusions and exclusions are as follows-

Covered by the Policy (Inclusion)

  • Damage by fire, riot, strike
  • Damage by lightning
  • Hurricane, Storm, Cyclone, Floods
  • Earthquakes, Landslides
  • Damage by aircraft, missile and terrorist act

Not covered By Policy (Exclusion)

  • Consequential loss, Wear & Tear, Depreciation
  • Damage by War, Nuclear War, Invasion, etc.
  • Negligent usage, unnecessary work resulting in injury
  • Property that's still under construction
  • Harm or loss of things like jewellery, sensitive documents and cash (unless specified).

Frequently Asked Questions on Home Insurance

Q1.   Is home insurance completely necessary?
Q2.   I purchase a terrorism cover? I live in a secure part of India.
Q3.   What is the loss of rent cover?
Q4.   What is Temporary relocation cover?
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