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Home Insurance

Insurance for your home structure and contents against fire, earthquake, flood, burglary and accidental damage, whether you own or rent. We calculate the reinstatement cost of your building and conduct a contents inventory to ensure you are insured at values that reflect what it would actually cost to rebuild and replace, not what a standard schedule assumes.

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Coverage at a Glance
Building Structure

Fire, flood, earthquake and structural damage

Home Contents

Furniture, electronics, jewellery and valuables

Burglary & Theft

Forced entry and specified valuables protection

Alternative Accommodation

Costs when your home is uninhabitable after a claim

Building& Contents
EarthquakeCover Available
JewelleryScheduling
IRDAICompliant
Coverage

What Your Policy Covers

A structured placement designed to close every material gap in your risk exposure, not a standard policy sold off the shelf.

Fire & Special Perils
Covers the home structure and all contents against fire, explosion, lightning, storm, cyclone, flood and inundation, landslide, impact from aircraft or vehicles, and riot or civil commotion.
Earthquake Cover
Covers structural damage to the building and loss of contents caused by an earthquake, essential for homes in seismic zones II, III and IV, which cover most of peninsular and northern India.
Burglary & Theft
Covers loss of contents and household goods following burglary with forced and violent entry. Cash and jewellery are covered up to sub-limits specified in the policy.
Home Contents All-Risk
Broad cover for household goods including furniture, electronics, kitchenware and personal effects against accidental damage as well as the listed fire and natural peril events.
Jewellery & Specified Valuables
High-value items, jewellery, silverware, artwork and antiques, are individually scheduled and insured at agreed valuations, removing standard sub-limits from the claim.
Alternative Accommodation
If your home is rendered uninhabitable by an insured event, the cost of temporary rental or hotel accommodation during the repair period is covered, up to a specified limit and period.
Home Risk AdvisorsHome Risk Advisors
Our Approach

Your Home Is Your Largest Asset, Insure It at the Right Value

The majority of Indian homeowners either carry no home insurance or carry it at a sum insured that bears no relation to the actual cost of rebuilding. Standard rebuilding cost schedules are generic and typically understate the real cost of reinstating a modern home with current construction costs and finishing specifications.

We calculate the reinstatement cost of your building, the actual cost to demolish and rebuild to the same specification at current construction rates, not the market value or the purchase price, both of which are irrelevant to what an insurer will pay.
We conduct a room-by-room contents inventory to arrive at an accurate replacement cost for your household goods, electronics and appliances, the most consistently under-insured component of home insurance.
For homes with significant jewellery, artwork or imported appliances, we schedule individual items at agreed valuations, removing sub-limits entirely and eliminating depreciation disputes at claims time.
Who Needs This

Who Carries This Risk

If your situation matches those described below, this cover belongs in your financial plan.

01
Homeowners
Anyone who owns their home carries the structural risk. Most owners are either uninsured or insured at a building sum that was set at purchase and never reviewed against rising construction costs.
02
Home Loan Borrowers
Lenders typically require home insurance as a loan covenant condition. We ensure the policy is structured correctly rather than as a minimum-premium product placed to satisfy the bank.
03
Tenants
Tenants do not carry building risk but do carry contents risk, furniture, electronics, clothing and personal effects belong to the tenant and require a standalone contents policy.
04
Owners of High-Value Contents
Homes with significant jewellery, high-end electronics, imported furniture or artwork have contents replacement costs that standard sum insured defaults do not reflect.
05
Flood-Zone Residents
Homeowners in coastal areas, riverine zones and low-lying urban areas, particularly in Chennai, Mumbai, Kolkata and Hyderabad, face elevated flood risk that makes natural peril cover essential.
06
Rental Property Owners
Landlords renting out property need home insurance for the building and loss of rent cover for the period the property is uninhabitable following a claim event.
How We Work

From Brief to Bound Cover

Three steps from your first conversation to a policy that is correctly structured and priced.

01
Building & Contents Valuation
We calculate the reinstatement rebuilding cost for your structure and conduct a room-by-room contents inventory, both at current replacement costs, to set the sum insured accurately before placement.
02
Policy Placement
We approach home insurers and select the policy with the broadest natural peril cover, appropriate jewellery and valuables scheduling options and the most straightforward claims settlement process.
03
Annual Review & Claims Support
We review your home insurance annually for construction cost inflation, new purchases and any structural improvements, and provide end-to-end claims support from incident notification through to settlement.
Key Benefits

Why Clients Place This Cover Through Us

Reinstatement Value Cover
We insure your home at rebuilding cost, not market value. Market value includes the land, which cannot be damaged by fire or flood. Rebuilding cost is the only figure that is relevant to what an insurer will pay.
Contents Inventory
We carry out a room-by-room contents assessment so your household goods are insured at actual replacement value, preventing the under-insurance that affects the majority of home policies placed without professional advice.
Valuables Scheduling
We schedule high-value jewellery, artwork and electronics individually at agreed values, removing sub-limits entirely and ensuring the items that matter most are covered properly.
Natural Peril Optimisation
For homes in flood, cyclone or seismic risk zones, we specifically extend cover and adjust sub-limits to reflect the elevated exposure, standard policy language is often insufficient for high-risk locations.
FAQ

Common Questions

Insure at rebuilding cost, the cost of demolishing the damaged structure and rebuilding it to the same specification. Market value includes the land value, which is not destroyed by fire or flood and is irrelevant to the insurance calculation. In many urban areas, the rebuilding cost exceeds the market value; in others it is lower. We calculate the rebuilding cost specifically for your property.
Storm and flood are typically included in the fire and special perils section. However, the specific perils covered, and any applicable sub-limits, vary between policies. For homes in known flood-risk areas, we review the flood peril definition carefully and select policies with broad, clearly worded flood cover rather than policies where the peril is technically included but narrowly defined.
Household electronics and white goods are covered as contents. Standard policies typically cover the items against the listed perils, fire, flood, burglary. Accidental damage to electronics requires a specific all-risk extension. For high-value items, we recommend scheduling them individually to remove any standard sub-limits from their coverage.
Most home insurance policies exclude damage occurring during renovation or construction works. If you are undertaking major renovation, notify us in advance. We arrange either a mid-term extension covering the renovation period or a separate Contractor's All Risk policy, and reinstate the home policy once the works are complete and the property is reoccupied.
Yes. A loss of rent section can be included in most home insurance policies, covering rental income lost during the period the property is uninhabitable following an insured event. The indemnity period, typically 12-24 months, should be set to match your standard letting period. We include this section as standard for clients with rental properties.

Home insurance at the value it would actually cost to rebuild and replace, not a generic estimate.

Most home policies are under-valued from day one and never reviewed. We fix both problems before you need to claim.

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