What is Home Insurance?
Owning a home is one of life’s biggest milestones—and protecting it should be a top priority. Home insurance ensures that both your house structure and household contents remain financially safeguarded from unexpected risks.
Why is Home Insurance Important?
A comprehensive home insurance policy gives you financial strength and peace of mind knowing your home is protected, no matter what happens.
Key Features of Home Insurance Policies
Quick and paperless purchase options for homeowners and tenants.
Inclusions and Exclusions
What is Covered?
Fire, explosion, lightning
Floods, storms, cyclones
Earthquakes and landslides
Damage due to riots, vandalism, arson
Theft or burglary
Terrorism (if applicable)
Loss of contents (as per policy terms)
What is NOT Covered?
Normal wear and tear
War or nuclear-related damage
Damage caused due to negligence
Houses under construction
Losses not explicitly included in the policy wording
Types of Home Insurance Policies
| Policy Type | Description |
|---|---|
| Standard Fire & Special Perils Policy | Covers damage caused by fire, explosions, earthquakes, landslides, floods, storms, and certain man-made disasters. |
| Building Insurance | Covers only the structural building (walls, roof, fixtures). Suitable for homeowners; excludes wooden/mud structures. |
| Comprehensive Home Insurance | Covers building + household contents such as appliances, furniture, jewellery, and other valuables. |
| Add-On Covers | Additional benefits like lock & key replacement, rent loss cover, alternate accommodation, and more. |
| Public Liability Insurance | Covers third-party injuries or damage occurring inside your insured property. |
| Burglary & Theft Cover | Protects against theft or house break-in losses. |
| Contents Insurance (For Tenants) | Covers personal belongings like electronics, furniture, and appliances in a rented house. |
We will guide you through comparing covers, choosing add-ons, understanding policy terms and ensuring your home is fully protected.