Royal Sundaram Home Insurance
Royal Sundaram Home Insurance
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Royal Sundaram Home Insurance

Royal Sundaram General Insurance Company Ltd. is a joint venture between Sundaram Finance and other Indian shareholders, headquartered in Chennai, India. It is the first private sector general insurance company to get a license from the Insurance Regulatory Development Authority of India (IRDAI) in October 2000. The company offers various types of general insurance products across the motor, health, travel, personal accident, home, and other segments.

One of its key general insurance products, Royal Sundaram Home Insurance, offers complete financial protection to the insured's house to meet any unforeseen incidents caused due to man-made/natural calamities.

What are the different types of Royal Sundaram Home Insurance plans?

The Royal Sundaram Home Insurance- Gruh Suraksha Home Insurance plan offers comprehensive coverage against any mishap caused to the structure or content of the building.

There are two different types of Gruh Suraksha Home Insurance Plans:

  • Home Insurance- Building Insurance
  • Home Insurance- Household Articles

1. Home Insurance- Building Insurance

This insurance policy offers complete protection to flat/apartment used for the residential purpose (owned by the insured) in an independent/multi-storied building (not of kutcha construction). It does not offer any protection to the belongings of the house (fixtures and fittings or any other interiors). This insurance policy is available in five different plan options:

  • Bronze (Sum Insured up to Rs.15 lakh)
  • Silver (Sum Insured between Rs.15 lakh to Rs.25 lakh)
  • Gold (Sum Insured between Rs.25 lakh to Rs.50 lakh)
  • Platinum (Sum Insured Above Rs.50 lakh)
  • Diamond (Sum Insured Above Rs.1 crore)

Features of Home Insurance- Building Insurance

  • This insurance policy does not require any documentation for a SI of up to Rs.5 crore.
  • You can avail of discounts for long term policies- Escalation Benefit (10% of the increase in sum insured each year) or Tenure Discount (10% to 50%).
  • The policy is available for tenure from 1 year to 20 years.
  • The insurance policy covers loss due to burglary.

2. Home Insurance- Household Articles

This insurance policy offers coverage for contents or belongings available in your home. You can also avail add-ons like (protection for baggage when en route to a business trip or money withdrawn from the bank) when you go outside the house. This insurance plan is available in five different options given below:


Total SI for items placed at home falling under these sections


Rs. 1,25,000


Rs. 17,00,000


Rs. 55,00,000


Rs. 90,00,000


Rs. 1,70,00,000

**Last Updated on 06-11-2020

Features of Home Insurance- Household Articles

  • Get higher sum insured options of up to Rs.50 lakh for contents, electrical appliances & jewellery.
  • You can avail of coverage for paintings and artwork.
  • The insurance policy is available for tenure from 1 year to 3 years.
  • Get terrorism cover as an add-on if you opt for the policy tenure of 1 year.
  • You can avail of zero depreciation cover (under the diamond plan) for items up to the age of 5 years.

How can I buy Royal Sundaram Home Insurance online?

You need to follow the below-mentioned steps to purchase Royal Sundaram Home Insurance Online:

  • Visit the official website of Royal Sundaram General Insurance.
  • Click the' Home' tab, select the plan option as per your choice, and click 'Know More'.
  • Enter the details required and click 'Get Quote'.
  • Enter 'Sum Insured Details' and then click 'Next'.
  • Enter the details required and proceed further.
  • Make payment and you will receive your insurance policy on registered email id.

How can I claim for Royal Sundaram Home Insurance?

The Royal Sundaram offers smooth filing of claims for home insurance. Let's take a look at the steps:

  • Notify the insurance company immediately about the incident through email at customer[dot]services[at]royalsundaram[dot]in or provide written intimation within 14 days with detailed particulars of the amount of loss/damage.
  • Post intimation, the insurance company will appoint surveyors/investigators (if required).
  • The surveyor might ask for the relevant documents, which should be submitted at the insurance company's address.
  • The company will pay the claim amount within 30 days from the date of receipt of the last document submitted.

Address of the company

Accident & Health Claims Department

M/s.Royal Sundaram General Insurance Co. Ltd.,

Vishranthi Melaram Towers,

No.2/319, Rajiv Gandhi Salai (OMR),

Karapakkam, Chennai 600 097

Tel.No:044-7117 7117

Frequently Asked Questions

1. What are the exclusions under the Royal Sundaram Home Insurance policy?

Here are few exclusions under the home insurance policy:

  • Damage or loss due to cracking, scratching, denting, and chipping.
  • Loss or damage caused due to radioactive contamination, consequential loss, nuclear weapon or war, etc.
  • Loss or damage of items of consumable nature.
  • Loss or damage caused due to wear and tear, depreciation, etc.

2. What is the eligibility criteria to avail of Royal Sundaram Home Insurance?

Any person who is above 18 years of age can avail of Royal Sundaram home insurance.

3. What is the minimum premium payable to purchase Royal Sundaram Home Insurance?

The minimum premium payable under the policy is Rs.250, which is separately applicable for Building and Content sections.

Last updated on 06-11-2020