Property Insurance
Home Insurance
Protect your home, always
Housing Society
One cover for every member
Under Construction Insurance
Secure your site in progress
Shop Insurance
Shield your business space
Office Insurance
Protect your workplace assets
Warehouse Insurance
Safeguard your stored goods
Factory Insurance
Cover for production peace
Property All Risk Insurance
Broad protection for your valuable property.
Fire & Special Perils Insurance
Protect property from major risks.
Commercial Property Insurance
Protect your business property, inside and out.
Burglary & Theft
Secure against break-ins
Structure and contents cover for a home — the cheapest substantial policy most households never buy.
Cover for the common structure and shared assets of a co-operative housing society.
Cover for theft from your premises — with the forcible entry requirement that decides most claims.
Today Protected. Tomorrow Stronger.
More than Policies A Partner for Life
| Plan |
Home Insurance
|
Housing Society
|
Burglary & Theft
|
Shop Insurance
|
|---|---|---|---|---|
| Best for | Protect your home, always | One cover for every member | Secure against break-ins | Shield your business space |
| Premium from* | ₹2,500 | ₹25,000 | ₹4,000 | ₹6,000 |
| Rating | 4.4 | 4.2 | 4.1 | 4.3 |
| Details | View | View | View | View |
*Indicative starting figures; the final terms depend on your profile.
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No. Insure the structure for what it would cost to rebuild it, which excludes the land. Market value on an urban flat is mostly land value, and insuring on that basis means paying premium on something that cannot be destroyed. Reinstatement cost is the correct and cheaper basis.
If you insure for less than the property is actually worth, the insurer settles claims in the same proportion. Insure a one-crore property for fifty lakh and a ten-lakh claim may be settled at five. It applies to partial claims, not only total losses, which is why under-insurance is so damaging.
Only up to a low standard sub-limit unless declared separately. Anything of real value needs listing individually, usually with a valuation certificate, and it is worth doing before a burglary rather than after.
You need contents cover. The landlord insures the structure and has no obligation to insure your belongings — and most tenants substantially underestimate what their contents would cost to replace.
Usually as an add-on rather than by default. In seismic zones it is worth taking; the additional premium is small relative to the exposure.
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