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Compare Home Insurance Plans

Home Insurance or House Holder’s Insurance Policy is an insurance policy that you can purchase to insure your home and/or it's contents from any unforeseen risks that may come in the shape of natural calamities, fire, burglary etc...Home Insurance in India is currently estimated to be at just around 0.7% penetration, which is amongst the lowest in the world.

To overcome this, it is critical that most home owners insure their home to ensure there us no financial burden/loss if there is any eventuality in the future. Most Indian insurance companies have also launched their Home Insurance products and are aggressively marketing the same online and through their distribution channels. So what should a home owner/tenant really look for while choosing their Home Insurance partner? There are various home insurance providers in India that offer different plans as per individual needs. To ease your selection, we have listed down important points which should be compared while choosing one home insurance company over other: To overcome this, it is critical that most home owners insure their home to ensure there us no financial burden/loss if there is any eventuality in the future. Most Indian insurance companies have also launched their Home Insurance products and are aggressively marketing the same online and through their distribution channels. So what should a home owner/tenant really look for while choosing their Home Insurance partner? There are various home insurance providers in India that offer different plans as per individual needs. To ease your selection, we have listed down important points which should be compared while choosing one home insurance company over other:
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  • Review Coverage and Premium of the Insurance offering– Firstly the home owner should evaluate the policy coverages and match them with the possible risks that could impact their home in the future. For example if the insured stays in a city with access to a sea coast, then they must ensure that Flood coverage is available in their policy. Similarly if one’s home is vulnerable to land slides, earthquakes, these must be covered under their policy. Once the coverage has been satisfactorily reviewed, the owner should then evaluate the premiums payable for the chosen coverage. This premium should be commiserate with the risks being covered under the policy.
  • Company Reputation / Customer Service – Given that insurance is just about fulfilling a “promise” when the policy was purchased, a company with a strong financial position as well as understanding of the business is critical as an insurance partner. Their reputation in the market and with the IRDA is also important to consider while making this decision.
  • Reference Check from existing Customers of the Insurer – it is always advisable to speak to an existing customer of the insurance company while evaluating your insurance partner. If it is possible to speak to one of them who have had a claim settled, will be even more beneficial and helpful while making this decision. Similarly if the customer has had a negative or unsatisfactory experience with the insurance partner, it is better to look for more suitable options.
  • Claims Settlement Ration / Company Financials – Most companies declare their claims settlement ratios on their company website apart from their financial highlights. Evaluating these important financial parameters while making a decision on the insurer is preferable.
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    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025