Home Insurance

Protect your biggest investment - your home. Coverage against fire, theft, natural disasters, and more.

Home Insurance

Your Home Deserves the Best Protection

Your home is more than just a building—it's where memories are made, your family grows, and your life unfolds. Protect it against unforeseen events with our comprehensive home insurance plans.

Building Structure Cover

Protection for walls, roof, floors

Contents Insurance

Furniture, electronics, valuables

Natural Disaster Cover

Earthquake, flood, storm

Theft & Burglary

Coverage for loss due to theft

Home Insurance Overview

Types of Home Insurance

Choose the coverage that fits your needs

Building Only

Coverage for the structure of your home - walls, roof, floors, and permanent fixtures. Ideal for rented properties or apartments.

  • Structural damage
  • Fire & lightning
  • Natural disasters
  • Burst pipes
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Contents Only

Coverage for everything inside your home - furniture, electronics, clothing, jewelry, and other valuables.

  • Furniture & fixtures
  • Electronics & appliances
  • Clothing & personal items
  • Jewelry & valuables
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Comprehensive Cover

Complete protection for both building structure and contents. The ultimate peace of mind for homeowners.

  • Building + Contents
  • All risks covered
  • Alternative accommodation
  • Personal liability
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What's Covered

Comprehensive protection for your home and belongings

Fire & Lightning

Damage caused by fire, lightning, explosion

Flood & Storm

Damage from flood, cyclone, storm, tempest

Earthquake

Coverage for earthquake damage

Lightning & Electrical

Damage from lightning and electrical short circuits

Theft & Burglary

Loss due to theft, burglary, or housebreaking

Accidental Damage

Accidental damage to glass, pipes, fixtures

Key Features & Benefits

Why thousands trust Ensureify for home insurance

Affordable Premiums
Quick Claim Settlement

Claims settled within 7-10 working days

Alternative Accommodation

Coverage for temporary stay if home is damaged

Personal Liability

Coverage if someone is injured at your home

Optional Add-ons

Enhance your coverage with these add-ons

Jewelry & Valuables Cover

Additional coverage for high-value items like jewelry, watches, and antiques

Electronic Equipment Cover

Specialized coverage for computers, TVs, and home theater systems

Personal Accident Cover

Coverage for accidental injury to family members at home

What's Not Covered

  • Wear & Tear: Gradual deterioration of property
  • Maintenance Issues: Painting, plumbing repairs, etc.
  • War & Nuclear Risks: Damage due to war or nuclear activity
  • Intentional Damage: Damage caused deliberately by insured
  • Insect Damage: Termites, pests, rodents
  • Consequential Loss: Loss due to delay or business interruption

Documents Required

  • Property ownership proof (Sale deed, allotment letter)
  • Building plan approval
  • Identity proof of owner
  • Address proof of property
  • Valuation certificate (for high-value contents)
  • Previous insurance policy (for renewal)

Frequently Asked Questions

Common questions about home insurance answered

No, home insurance is not legally mandatory in India. However, it is highly recommended to protect your biggest investment. If you have a home loan, your bank may require you to have building insurance.

Building cover protects the structure of your home - walls, roof, floors, and permanent fixtures like built-in cabinets. Contents cover protects movable items inside your home - furniture, electronics, clothing, jewelry, and other valuables. You can choose either or both based on your needs.

For building cover, sum insured should be based on the reconstruction cost of your home (not market value). For contents cover, you should list all valuable items and their current replacement value. You can also opt for a floater sum insured that covers both building and contents.

Yes, tenants can buy contents insurance to protect their belongings. The building structure should be insured by the landlord. Some policies also offer liability cover for tenants in case of accidental damage to the rented property.

In case of damage or loss, immediately inform us through our 24/7 claims helpline. For theft, file an FIR with the police. Take photographs of the damage, prepare a list of lost/damaged items, and submit all required documents. Our claims team will guide you through the process and arrange for a surveyor to assess the damage.

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