Protect your beloved home with our Home Insurance
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Protects Your Family
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AI-Assisted Claims via App
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24/7 Customer Support
Home Insurance
Home insurance, also known as homeowner’s insurance, is a simple way to protect your home and everything inside it from unexpected events like fire, theft, floods, or other damage. If something goes wrong, the policy helps cover repair costs or the value of lost or damaged belongings—so you’re not left handling a big expense on your own.
For example, imagine a short circuit damages part of your house, or heavy rains ruin furniture and appliances. With home insurance in place, you have financial support to fix the damage or replace what’s lost, instead of dipping into your savings. Whether you live in an apartment or an independent house, these risks are more common than we realise.
At IndusInd General Insurance (formerly known as Reliance General Insurance), our home insurance plans are designed to protect what you’ve worked hard to build. While every home and family is different, the goal stays the same: helping you feel secure at home. With the right cover, you can enjoy your everyday life knowing your home is protected.
Why 5 Crore+ Policyholders Choose Us?
Every home is built with love, hard work and putting together years of savings. At IndusInd General Insurance, we offer a carefully curated home insurance plan that not only covers your building and its contents but also extends coverage to your valuable possessions, provides temporary accommodation, and, most importantly, protects your loved ones.
Add-ons & In- built Covers*
Customise your coverage easily
Easy Buying and Renewal
AI-Processes with IndusInd Insurance app
24/7 Dedicated Customer Support
Ensuring your needs are met round the clock
Quick Video Claims Feature
For easy and quick claims through our App
What is Home Insurance?
Home insurance, also called housekeeper’s insurance, is a policy that protects your house and its contents against risks like fire, theft, natural disasters and other unexpected damage. It helps cover the cost of repairing your home or replacing belongings such as furniture, appliances and valuables, reducing the financial burden on you during emergencies.
In simple terms, it works by paying compensation when a covered loss occurs. For example, if a fire damages your kitchen or a burglary leads to loss of electronics, you can raise a claim with your insurer and receive financial support as per your policy terms. Instead of paying large amounts out of pocket, home insurance helps you recover faster and get back to normal life with less stress.
Why is Home Insurance a Necessity?
Complete Security at Affordable Premiums
Home insurance gives you financial protection for your home structure and contents against accidental losses under one policy. Instead of bearing large repair or replacement costs during emergencies like fire or floods, you get support from your insurer. This helps protect your savings and keeps your family financially secure in unexpected situations.
Covers Natural Calamities
In 2024-25, natural disasters such as floods, landslides and thunderstorms affected 360,000 homes in India, resulting in massive financial loss. This policy helps protect your home and belongings from natural perils such as floods, earthquakes, storms, lightning and more, helping you repair or replace damaged items.
Covers Fire Damages
Our home insurance package covers fire and related risks, which means it includes explosion and lightning, for both your building and contents. According to a report, fire and related risks contribute to the proportion of property claims in India. This cover helps avoid sudden, heavy out-of-pocket expenses.
Theft and Burglary Cover
The policy also covers loss or damage to your household contents due to burglary, theft, or housebreaking, including furniture and appliances. With burglary/theft accounting for a significant share (about 25%) of property and home damage claims, this benefit ensures you’re not left paying for replacements on your own.
Protects Your Family
We understand that family comes first! So, our household policy includes personal accident cover that pays compensation for accidental injuries resulting in disability or fatality of a family member at home. This financial support helps protect your family’s economic stability after sudden accidents occurring on the insured premises.
Protects Valuables
Home insurance helps protect your valuables like jewellery, electronics, appliances, entertainment units and fixed glass. It covers risks like fire, theft, natural disasters and accidental damage. This gives you peace knowing both structural and valuable movable items are secured under the same policy.
Key Features of Householders Package Insurance
IndusInd Householders Package Insurance (previously known as Reliance Householders Package Insurance) offer wide range of coverage, which includes complete coverage for your home and its contents, valuables and family members.
Feature | What It Means for You |
|---|---|
All-Round Damage Cover | Protects against fire, floods, storms, earthquakes, riots and more. |
Home Structure Cover | Covers repair or rebuilding costs for the damaged house structure. |
Household Contents Cover | Covers furniture, appliances and everyday household items. |
Jewellery & Valuables Protection | Loss or damage to jewellery and other valuables. |
Electronic Appliances Cover | Protects TVs, refrigerators, washing machines, computers, etc. |
Glass & Fixtures Cover | Covers accidental breakage of fixed glass doors and windows. |
Personal Accident Cover | Financial support for accidental death or disability of insured family members. |
Third-Party & Domestic Help Liability | Covers legal costs if someone gets injured in your home. |
Temporary Living Expenses | Pays for alternate accommodation if your home becomes unlivable after damage. |
Flexible Add-on Covers | Choose extra covers based on what matters most to your household. |
Disclaimer: The coverage features, prices and discount rates stated in the table are subject to change. Please check your policy documents to know your exact benefits and coverage limits, or contact customer support for further assistance.
Who Should Buy Home Insurance?
Homeowners (Independent Houses or Flats)
If you own a house or apartment, home insurance helps protect your biggest lifetime investment. It covers damage to the structure and your belongings caused by fire, floods, theft, or other unexpected events—so you’re not left paying repair costs out of pocket.
Tenants Living in Rented Homes
Even if you don’t own the house, the things inside it belong to you. Home insurance helps protect your furniture, appliances, electronics, and valuables against theft, fire, and accidental damage, putting your mind at ease in a rented space.
Families Living in Metro Cities
In cities with high living costs, even small damages can be expensive to fix. Home insurance helps families manage sudden repair expenses, protects valuables, and offers personal accident cover, making it a practical safety net for everyday urban living.
People with Valuable Belongings at Home
Home insurance, also called housekeeper’s insurance, is a policy that protects your house and its contents against risks like fire, theft, natural disasters and other unexpected damage. It helps cover the cost of repairing your home or replacing belongings such as furniture, appliances and valuables, reducing the financial burden on you during emergencies.
In simple terms, it works by paying compensation when a covered loss occurs. For example, if a fire damages your kitchen or a burglary leads to loss of electronics, you can raise a claim with your insurer and receive financial support as per your policy terms. Instead of paying large amounts out of pocket, home insurance helps you recover faster and get back to normal life with less stress.
What’s Covered and Not Covered Under Our Home Insurance Plan?
What’s Covered?
Fire & Explosion:Covers damage to your home and belongings due to fire, lightning, explosions, or implosion.
Natural Calamities:Protects against losses caused by floods, storms, cyclones, earthquakes, landslides, and other natural disasters.
Water Damage:Covers damage due to burst pipes, overflowing water tanks, or leakage from plumbing systems.
Building Structure:Covers damage to walls, floors, roofs, fixed fittings, and permanent structures of your home.
Household Contents:Protects furniture, appliances, electronics, clothes, and other daily-use household items.
Valuables:Covers jewellery, silver articles, and valuables if declared and insured separately.
Burglary & Theft:Covers loss or damage to insured contents due to burglary or housebreaking.
Electrical Short Circuit:Covers damage to appliances and wiring due to electrical short circuits or overheating.
Personal Accident:Provides compensation in case of accidental death or disability of the insured or family members, with an add-on.
Medical Expenses:Covers medical costs arising from accidents occurring inside the insured home with an add-on.
Education Grant:Provides financial support for a child’s education with an add-on if the insured dies due to an accident.
What’s Not Covered?
Normal Wear & Tear:Daily usage damage, ageing, rusting, or gradual deterioration is not covered.
Intentional Damage:Loss caused deliberately by the insured or family members is excluded.
War & Nuclear Risks:Damage due to war, invasion, civil unrest, or nuclear events is not covered.
Unoccupied House Losses:Certain claims may be rejected if the house is left unoccupied beyond the allowed period.
Undeclared Valuables:Jewellery or valuables not declared and insured separately will not be covered.
Cash & Documents:Loss of cash, cheques, manuscripts, or important documents is not payable.
Disclaimer: The inclusions and exclusions are subject to policy terms and conditions. Please refer to the official policy document for complete details here.
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Add-On Covers Under IndusInd Home Insurance
These are the core automatic protections you get with IndusInd Home Insurance (Householders’ Package Policy) once you opt for home building cover. These in-built covers form the base protection under Section I and help you get your home back to normal after an insured event without worrying about separate add-ons.
Professional Fees
Covers up to 5%* of the claim amount for fees you incur for professional services needed to assess and repair the damaged building.
Debris Removal Costs
Pays up to 2%* of the claim amount for the cost of clearing rubble and debris from your property after a covered loss.
Loss of Rent
If your home becomes unfit to live in after damage, this covers the rent you lose from tenants up to your policy terms.
Rent for Alternative Accommodation
If you must stay elsewhere while your home is being repaired, the policy pays reasonable temporary accommodation costs
Cover for Valuable Contents (Agreed Value)
Optional
Protects high-value items like jewellery, silverware or antiques at a pre-decided value. You don’t have to prove depreciation at the time of claim.
Personal Accident Cover
Optional
Provides financial support to your family if you or your family suffers accidental injuries, permanent disability or fatality due to an accident inside or outside the home.
Mortal Remains
Optional
Covers the cost of transporting the insured person’s body to their hometown in case of death due to an insured event, reducing financial stress for the family.
Education Grant
Optional
Supports your child’s education in case of a fatality away due to an accident. The payout helps manage school or college expenses during a difficult time.
Medical Expenses
Optional
Pays for medical treatment required due to injuries caused by insured accidents occurring within the home premises, helping reduce medical costs.
Important Tips for Selecting the Best Home Insurance
Eligibility for Buying IndusInd Householders Package Insurance
Eligibility Requirement | Description |
|---|---|
Property Usage | Must only be used for residential purposes |
Property Location | Must be located in India |
Ownership Status | You must be an owner or legal occupier |
Age Limit (Main Policy) | No age restriction |
Property Condition | Properly maintained home |
Occupancy Status | Should not be vacant for a long term |
How to Calculate Home Insurance Cost?
The homeowners’ insurance cost depends on various factors, including the value of your home’s contents and valuables, the cost to rebuild or repair your home, etc. Thus, to get an accurate home insurance quote in an instant, you use our online premium calculator. Here’s how to use it:
Choose Coverage
Enter your SI, based on your home’s value, and potential cost of repairs.
Enter Start Date
Input the start date & number of members to be covered under PA cover.
Enter Your Details
Enter your name, age, address, contact details and items to cover.
Understand Quote
Review the quote and readjust based on your needs.
How to Buy IndusInd Homekeeper’s Insurance Online?
Step-by-Step Buying Process
Scroll Up: Go to the form at the top of this page to begin your home insurance purchase. You can use the calculator below to get a home insurance quote.
Enter Home Details: Select the type of home (owned or rented) and provide basic details like property location and usage.
Choose Coverage: Pick the required cover for the building, contents, or both, and select a suitable sum insured before clicking "Continue."
Review and Buy: Check the coverage details, homeowners’ insurance cost and complete the payment using your preferred option, and receive your home insurance policy instantly via email.
Documents Required to Buy Home Insurance
Identity Proof: Valid ID such as Aadhaar, PAN or passport to verify the policyholder’s identity.
Address Proof: Utility bill or government-issued document showing the address of the insured property.
Property Ownership Proof: Sale deed, allotment letter or property tax receipt to confirm ownership (for owned homes).
Rental Agreement: Required if you are insuring contents in a rented house.
List of Contents/Valuables: Basic details of household items or valuables to be insured, if opting for contents cover.
Security that starts at your doorstep
Insure What Matters the Most
Your home is one of your biggest investments. And our home insurance steps in when you need it most. Secure it with insurance you can trust today!
How to Claim Homeowner’s Insurance?
Notify Us Immediately
Inform IndusInd General Insurance as soon as the loss or damage occurs (fire, theft, flood, etc.).
Early intimation helps speed up survey and claim processing.
How to Contact Us
Email: igicl.rcare@indusindinsurance.com
Website: Make a Home Insurance Claim (via official claims page)
Phone: 022-4890 3009 / 022-4111 2600
App: IndusInd Insurance app
Courier / Offline Submission:
IndusInd General Insurance
3rd Floor, Krishe Block, Krishe Sapphire,
Madhapur, Hyderabad – 500081
Survey and Assessment
Once you notify the claim:
A surveyor is appointed within 2 working days to assess the damage.
The surveyor reports the loss and the necessary documents to the insurer.
You don’t pay the surveyor - this cost is borne by us.
Document Submission & Reimbursement
Since there is no cashless facility for home insurance, you will:
Fix/repair your home as needed.
Submit a claim form, invoices, bills, photos, FIR (for theft) and all supporting documents.
The insurer evaluates and reimburses the approved amount to your bank account, usually via NEFT, once verified.
Claim Settlement Options
Reimbursement is the standard route: You pay first and then get paid back after verification.
Ensure all documents are complete to avoid delays.
Settlement is based on policy terms, deductibles, and applicable limits
Documents Needed to File a Claim
Duly filled and signed claim form: Basic details of the loss, policy number and insured information
Copy of home insurance policy: Used to verify coverage, sum insured, and applicable sections.
Proof of loss or damage (photos/videos): Visual evidence of damage caused by fire, theft, flood, or other insured events.
Repair or replacement estimates and final bills: Invoices from contractors, electricians, carpenters or service providers.
FIR / Police report (if applicable): Mandatory for theft, burglary or malicious damage claims.
Ownership or occupancy proof: Sale deed, rent agreement, or utility bill, if requested.
Inventory list of damaged or lost items: With approximate value and date of purchase, where available.
Disclaimer: For precise claim-related information, please refer to policy documents or get in touch with our customer helpline. This is also not a complete list of required documents. You may need to submit additional documents depending on your unique circumstances. Please refer to your policy documents for the same.
Other Property Insurance Products to Buy Along with Home Insurance
Property Insurance
Property insurance protects non-residential buildings and fixed assets such as warehouses, factories, or rental properties from fire, theft, natural calamities and other specified perils. It helps businesses and property owners safeguard their investments and reduce financial risk from sudden loss or damage.
Shopkeeper’s Insurance
Shopkeeper’s Insurance secures your shop premises, stock, furniture, and equipment against fire, theft, burglary and similar risks. Optional covers like cash in transit and employee dishonesty add extra protection, making it ideal for small and medium business owners.
Office Package Policy
The Office Package Policy offers comprehensive cover for office buildings, contents, equipment and liabilities. It protects against fire, theft, fixed glass breakage, money in transit, and more, helping businesses reduce risk and operate with confidence.
Standard Fire and Special Perils Policy
This policy focuses on core fire and special perils cover for buildings and contents, including lightning, explosion, storms, floods, and impact damage. It’s suited for property owners who want targeted protection against physical damage risks.
Key Takeaways
Home insurance, also known as householder’s insurance, protects your house and belongings from risks like fire, floods, theft and other unexpected events. It ensures that damage to your home doesn’t turn into a long-term financial burden for you and your family.
Despite rising risks from fires, extreme weather and urban theft, only 1% of Indian homes are currently insured. This gap leaves many families financially exposed when accidents or natural disasters strike.
With IndusInd Home Insurance (formerly Reliance Home Insurance), you get practical, easy-to-understand coverage for your home structure, contents and valuables. With our simple buying, digital support and reliable claims assistance, protect your home today easily, so you don’t have to rebuild your savings tomorrow.
Download our IndusInd General Insurance App now!
