Home Insurance
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What is Home Insurance?
Home/House/Building/Property insurance offers to protect your property from damage caused by events stated in the insurance policies (also called defined events) such as fire, floods, earthquake, storm damage, and more. It helps to offer the expense of repairing or replacing damage to your house, home, property, other outbuildings, & permanent fixtures such as built-in cupboards, wardrobes, or plumbing.
Home Structure Insurance
This plan offers coverage to the structure of your house/home/property or building. The cost took to build the structure can be insured under the laws or terms offered in the insurance policy.
Content Insurance
The contents such as jewelry, permanent fixtures such as wardrobes, or any other valuable items in the house can be insured under this plan and financial liability can be taken care of.
To suit the custom needs of different individuals or customers, home insurance providers in India offer a varied range of home insurance policies. These different types of home insurance policies help the user to understand the necessity of home insurance and choose the policy according to their custom requirements.
Standard Fire and Special Perils Insurance Policy
Offered by almost every insurance provider, as the name of the policy suggests, it provides financial protection against some special perils and fire outbreak. This coverage can be bought by house owners (for their own house) and also by renters/tenants residing in a rented house. The policy covers the insured home against loss and damages caused due to the following causes –
- Natural calamities.
- Damages caused due to action of explosion/implosion, man-made, anti-social activities like strikes, riots, damage caused by malicious intended people.
- Damage caused by direct contact of rail/road, vehicle. Damage caused due to the insured house, with your own vehicle, is not included in this cover.
- Damage caused due to bursting or/and overflowing of water tanks, pipes, and others.
- Subsidence including rockslide and landslide
- Missile testing operations
- Damage caused due to leakage from automatic sprinkler installations or pipes.
Home Structure/Building Insurance
This type of structure insurance covers the structure of your house from any kind of dangers and risks. The policy also protects any permanent fixtures within the house. This includes your Wardrobe fittings and kitchen and bathroom fittings, and also the false ceiling/roof of the insured building/house. This type of insurance usually extends to outbuilding structures as well.
Burglary & Theft
In case of an occurrence of burglary or theft in the insured house, if any valuable contents are stolen or damaged, the policy provides financial protection against that as well.
Contents Insurance
The coverage provides financial protection to the content inside the house such as jewelry, tv, sofa, etc.
Renters/Tenants’ Insurance
As a renter or a tenant, you would have obviously rented a building or a house or flat. You can go for content insurance.
Landlords’ insurance
As a landlord, you should opt for structure insurance or content insurance if you had provided that too. The insurance for rent and other costs can also be taken.
Building a home is a dream come true for many. Generally, it is a costly affair and people put a larger chunk of their savings in the building. It not only acts as your abode but houses your valuables and jewelry too. It provides financial protection and a sense of protection and security.
Before opting for Home insurance policy it is essential to understand the nature of the policy and the extent of coverage offered. Below are some of the key points of home insurance:
- Reconstruction cost
- Protection of the assets
- Coverage for theft/burglary
- Coverage for jewellery
- The low premium for ample coverage benefit
What is covered in Home Insurance Policy?
Your homeowner’s policy pays to bear the expense for repair or rebuild of the home from your policy coverage. Most policies also cover outbuilding structures such as a garage, tool shed, or out of the house structures.
What’s included or covered?
- Fire
- Burglary & Theft
- Electrical Breakdown
- Natural Calamities
- Man-Made Hazards
- Accidental Damages
- Alternate Accommodations
Coverage for your personal belongings
Your contents are covered in this. The coverage is for financial protection in between 50 to 70 % of the insurance you have on the structure of the building or house.
Expensive items like jewelry, furs, art, collectibles, and silverware are covered, but there are usually limits if they are stolen based on the rules or the premium amount you pay annually.
Additional living expenses (ALE)
Depending upon the insurer, it might pay the additional expense of living away from home if you cannot live there due to damage from an insured disaster, for this please check your policy coverage.
What is not covered in Home Insurance Policy?
- Destruction of property willfully.
- Damages to property due to wear and tear.
- The loss to property due to war.
- Old Content and Precious Collectibles.
- Willful Damages.
- Land Cost
- Third-Party Construction Costs.
- Under Construction is not Covered.
- The loss to property unoccupied for more than a certain specified period.
- Money in the form of cash, antiques, and collectibles. Take a separate policy for that.
- While house owners’ insurance covers many types of disasters related to damage, there are certain exceptions. Check your policy limitation or coverage or opt-out of a different policy for that.
How to choose the right home insurance policy?
It’s important to calculate the amount of home insurance you need very carefully so that you don’t run the risk of underinsured. Apart from that below factors can also help you to choose the policy which will be best suited to your requirements.
- Claim Process
- Defined Events
- Accidental Breakage
- Storm Cover
- War Coverage
- Building Inclusions
- Underinsurance Gap Cover
- Other Benefits
What our clients say about us?
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“Thank you Reliable Policy for all your patient assistance and support during the state of confusion and helping us bundle everything together for insurance.”

Radheyshyam Chauhan
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“Caring & Easy”
“Thank you for taking great care of our insurance requirements. You and your team at Reliable Policy have been wonderful to us in a selection of right insurance.”

Pranav Jha
Director
“Fast Approvals”
“I hold Reliable Policy in the highest regard as far as customer service goes. Whether by email or phone, I get the required information and answers I need.”

Ankit Bidhuri
Junior Engineer
“Easy Process”
“Thank you Reliable Policy for all your patient assistance and support during the state of confusion and helping us bundle everything together for insurance.”

Radheyshyam Chauhan
Sr. Software Developer
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