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Home Insurance
Home Insurance Premium Calculator
Plans Start From ₹45
Safeguard Your Memories, Insure Your Home
Coverage Highlights
Get comprehensive coverage for your home
All Risk Coverage
Get comprehensive protection against wide range of risks like accidental fire, lightning, flood, storm, earthquake, accidental damage, theft, burglary and more, except named exclusions
Worldwide Coverage
Option to secure your valuables, jewellery, laptops, mobiles, cameras & other portable equipments anywhere in the world
Waiver Of Condition Of Average
Under many policies if you under-declare sum insured, then there is a pro-rata deduction from claim payable. However, under this policy proportional deduction will not be applied
No Content Declaration
You need not declare list of contents if the content sum insured is above INR 5 Lacs
Long-Term Cover
Policy can be issued for a period upto 5 years
Restoration Of Sum Insured
If the sum insured is exhausted due to a claim, it will be restored for subsequent claims within the policy year
Multiple Plans
You can select plans that are best suited for your needs
Easy Claim Process
Streamlined and hassle-free claims process to ensure quick settlements
24x7 Customer Support
Round-the-clock assistance to address any queries or emergencies promptly
Note
* Indicative annual premium for 1 lakh sum insured
Key Inclusions
What's covered?Home Building Cover
Indemnifies losses to insured building structure (floors, walls, windows, fitted-in sanitary wares/fittings, piping and plumbing, electrical fittings) from all risks except named exclusions
Home Contents Cover
Indemnifies losses to Home Contents such as clothing, shoes, furniture, fixtures, retro-fitted sanitary fittings and electrical fittings, crockery, cutlery, steel utensils, other home articles while they are within the specified home premises
Portable Equipments Cover
Indemnifies losses happening anywhere in India to your laptops, mobiles, i-pads, musical instrument, hearing aids, fitness trackers, personal medical devices cameras and similar items. You can opt for a global coverage too.
Jewellery And Valuables
Covers losses to your declared jewellery items anywhere in India. You can opt for a global coverage too. Sum insured is determined as per the valuation report
Rent For Alternate Accommodation And Brokerage
If your home becomes inhabitable due to covered perils, some plans cover rent & brokerage for alternate accomodation up to a specified limit
Emergency Purchases
Expenses incurred towards emergency purchase of food, clothing, medicines and similar daily essentials are covered upto INR 20,000 under some plans
Architects, Surveyors And Consulting Engineers Fees
Following a loss, these fees are covered up to 3% of the claim amount
Debris Removal
Following a loss, destruction or damage to insured property by a covered peril, cost of debris removal is covered up to 1% of the claim amount
Key Exclusions
What's not covered?Deductible
5% of each and every claim, pertaining to the portable equipment/portable items subject to a minimum of INR 2,500 is deducted
Mis-representation/Pre-existing Damages/Structural Defects
Mis-representation/non-disclosure of any material facts/pre-existing damages/structural defects, latent defects, poor maintenance, poor workmanship, poor design, manufacturing defects etc are not covered
Wear And Tear
Damages due to wear and tear, depreciation, moth, vermin, insects or mildew, process of cleaning, dyeing or bleaching, restoring, repairing, retouching or renovation, inherent vice, warping or shrinkage, the action of light or atmospheric conditions, natural ageing or any other gradually operating causes are not covered
Breaking And Cracking
Breakage, cracking or scratching of crockery, glass, cameras, binoculars, lenses, musical instruments, sports gear and similar articles of brittle or fragile nature, unless caused by fire or accidental external means are not covered
Mechanical or Electrical Breakdown
Loss or damage due to mechanical or electrical breakdown are not covered unless specifically covered under the policy
Loss Or Damage To Money
Loss of cash, currency, or similar valuables are not covered unless specifically covered under the policy
Loss From Safe
Loss from safe inside insured “building”, by use of the key or any duplicate thereof or access code to the safe belonging to the insured, unless this has been obtained by threat or by violence
Dismantling/Fitting
Dismantling, fitting adjustment, repair alteration or modification not approved by the makers/manufacturers and/or their agents. Damage falling under the terms of the maintenance agreement
Seepage/ Contamination
Loss, damage or liability arising directly or indirectly from seepage, pollution or contamination
Other Exclusions
Please refer to policy wordings for details
Optional Covers
What else can you get?Key And Lock Replacement Cover
Covers cost for replacing locks and keys of your home and vehicles if they are lost or stolen
ATM Withdrawal Robbery Cover
Provides financial protection if you are robbed after withdrawing cash from an ATM
Lost Wallet Cover
Replacement costs for lost or stolen wallet as well as personal papers and payment cards that were in the wallet
Dog Insurance Cover
Insures against death from accidents or diseases of your pet dog covered under the policy
Public Liability Cover
Offers protection against legal liability for accidental bodily injury or property damage to third parties
Employee's Compensation Cover
Covers legal liability towards employees for injury, illness or death arising out of employment duties
Temporary Resettlement Cover
Covers expenses for temporary accommodation if your home is uninhabitable following a loss
Loss Of Rent Cover
Compensates for lost rental income if your insured property becomes uninhabitable following a loss
What is Home Insurance Premium Calculator?
So the home is bought, the furniture is set and you have somehow managed to get the perfect wallpaper too! It sounds like a dream and congratulations are surely in order. Along with the congratulations, however, we would like to give you a little advice too.
You’ve purchased one of your biggest assets – your dream home and it needs a financial cushion against mishaps. Home Insurance can be that cushion. Although the idea of having insurance can be a pleasant one, calculating the premium can be a daunting task! If these calculations are keeping you away from getting Home Insurance, sit back and relax! The Home Insurance Premium Calculator by Bajaj General is at your service.
As the name suggests, a Home Insurance Premium Calculator is an online tool that allows you to instantly calculate the applicable premiums on your Home Insurance. Simple, quick and efficient; our Home Insurance India Premium Calculator gives you the estimates under 10 seconds!
Benefits You Deserve
Safeguarding personal assets
Protect your hard-earned assets with a reliable home insurance
Safety from Natural Disasters
Unexpected natural disasters can lead to a major financial setback
Protect your precious property
Ensure peace of mind by protecting what matter most - your home and valuables
Advantages of Our Home Insurance Calculator
We believe when it comes to calculating premiums for something as important as Home Insurance, the calculator must be simple and efficient. A simple design coupled with an intuitive interface, our Home Insurance Calculator:
Is Easy to Use
Since simplicity is the ultimate sophistication, our Home Insurance Calculator is simple and quick. Finding out your premium is as easy as visiting our page, opening the calculator and filling in your details. You will be able to find out the premium amount within minutes!
Calculates Premiums for Rented and Owned Property
Whether it is rented or owned, your home is always special. That is why the same calculator can be used for evaluating the premium for both rented and owned properties.
Figures out Premiums for Insuring Building, its Content or Both
Our Home Insurance Premium Calculator gives you a holistic view of the applicable premium on your property. You can choose to calculate the premium amount to be paid when insuring a building, or its contents or both.
At-A-Glance
Compare Insurance Plans Made for You
| Plans Offered |
Gold Plan I |
Diamond Plan I |
Platinum Plan I |
Gold Plan II |
Diamond Plan II |
Platinum Plan II |
|---|---|---|---|---|---|---|
| Suitable For | Flats/Independent Buildings/Bungalows | Flats/Independent Buildings/Bungalows | Flats | Flats/Independent Buildings/Bungalows | Flats/Independent Buildings/Bungalows | Flats |
| Home Building Cover | Market Value Basis: Cost of replacement or repairs to restore to original condition after adjusting for depreciation | Reinstatement Value Basis: Cost of replacement or repairs to restore to original condition without depreciation | Agreed Value Basis: Mutually determined value while buying the policy | Market Value Basis: Cost of replacement or repairs to restore to original condition after adjusting for depreciation | Reinstatement Value Basis: Cost of replacement or repairs to restore to original condition without any depreciation | Agreed Value Basis: Mutually determined value while buying the policy |
| Home Content Cover | New for old basis: Cost of replacement with a new item of the same kind without depreciation | New for old basis: Cost of replacement with a new item of the same kind without depreciation | New for old basis: Cost of replacement with a new item of the same kind without depreciation | Indemnity Basis: Cost of replacement with item of the same kind after adjusting for depreciation | Indemnity Basis: Cost of replacement with item of the same kind after adjusting for depreciation | Indemnity Basis: Cost of replacement with item of the same kind after adjusting for depreciation |
| Portable Equipments Cover | New for old basis for items upto specified age, else indemnity | New for old basis for items upto specified age, else indemnity | New for old basis for items upto specified age, else indemnity | Indemnity basis | Indemnity basis | Indemnity basis |
| Jewellery And Valuables, Curios, Art And Paintings | Optional Cover | Optional Cover | Optional Cover | Optional Cover | Optional Cover | Optional Cover |
| Rent For Alternate Accomodation And Brokerage | Not Covered | Covered up to specified limits | Not Covered | Covered up to specified limits | Covered up to specified limits | Covered up to specified limits |
| Emergency Purchases Up To INR 20,000 | Not Covered | Covered | Covered | Not Covered | Covered | Covered |
Factors That Determine Your Home Insurance Premium
A host of factors dictate the final cost of your Home Insurance premium. Whether you are a new homeowner or getting premium for your ancestral house; whether you live on the hills or on the coast; whether you are an art collector or a gadget freak; all of these things come into consideration when calculating your premium.
Location
Homes built on prime locations have a higher insurance premium. A prime location can be defined by its proximity to schools, hospitals, etc., its connectivity and rate of the land amongst other things. Another factor which can determine the rate of the insurance premium is the risk of natural calamities. The more the risk, the higher is the premium.
Age and Construction Materials
Just like an older body is more vulnerable to ailments, an older home becomes more susceptible to damage, shooting up the premium amount. Apart from age, the materials used in building the house also affect the amount of the premium.
Contents of Your Home
Not only the home but the contents of the home also factor in when determining the price of your premium. If your home is decked with expensive paintings and sculptures or you have gold and diamond jewellery lying in your locker, it can raise the value of your Home Insurance premium.
Home Insurance Premium: What Details Are Needed?
Bajaj General Home Insurance Premium Calculator is designed to make the calculation process easy and smooth and therefore, does not require many details. You do not have to waste time rummaging through heaps of documents and filling in endless details.
Calculating Premiums for Rented Properties
When calculating premiums for rented properties which require protection only for the contents, all you need to do is put in the total value of your belongings and jewellery. The calculator will give you the results within seconds.
Calculating Premiums for Owned Properties
The premium for owned properties is calculated in a slightly different manner. With owned properties, both the structure and its contents are brought into consideration. You need to fill in:
- The variant chosen for structural cover – Agreed Value, Reinstatement Value, Indemnity Basis
- Value of jewellery or house contents
- Apart from these details, you need to provide your personal information like name, mobile number, and email id when calculating.
Figures out Premiums for Insuring Building, its Content or Both
Our Home Insurance Premium Calculator gives you a holistic view of the applicable premium on your property. You can choose to calculate the premium amount to be paid when insuring a building, or its contents or both.
Download Policy Documents
Get instant access to your policy details with a single click.
Why Insure Your Home with Bajaj General?
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Why Choose Bajaj General Home Insurance?
- Covers your home against loss from fire, burglary and natural calamities
- Cover for jewellery, valuables, works of art
- Coverage term options from 1 day to 5 years
Wellness Companion
Insurance benefits and rewards
Earn points for health activities and get benefits as premium discounts & policy upgrades. Improve your health to reduce claims & maximize benefits.
Complete health assessment and data integration
Start with a detailed health evaluation and sync your medical records & wearables for real-time data on activity, sleep & vital metrics.
Insurance benefits and rewards
Earn points for health activities and get benefits as premium discounts & policy upgrades. Improve your health to reduce claims & maximize benefits
Complete health assessment and data integration
Start with a detailed health evaluation and sync your medical records & wearables for real-time data on activity, sleep & vital metrics.
Frequently Bought Together
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Step-by-Step Guide
To help you navigate your insurance journey
How to Buy
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Visit Bajaj General website
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Enter personal details
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Compare home insurance plans
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Select suitable coverage
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Check discounts & offers
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Add optional benefits
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Proceed to secure payment
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Receive instant policy confirmation
How to Renew
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Login to the app
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Enter your current policy details
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Review and update coverage if required
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Check for renewal offers
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Add or remove riders
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Confirm details and proceed
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Complete renewal payment online
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Receive instant confirmation for your policy renewal
How to Claim
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Notify Bajaj General about the claim using app
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Submit all the required documents
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Choose cashless or reimbursement mode for your claim
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Avail treatment and share required bills
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Receive claim settlement after approval
How to Port
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Check eligibility for porting
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Compare new policy benefits
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Apply before your current policy expires
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Provide details of your existing policy
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Undergo risk assessment by Bajaj General
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Receive approval from Bajaj General
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Pay the premium for your new policy
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Receive policy documents & coverage details
Quick Links
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Caringly Yours (Motor Insurance)
Travel Insurance Claim
Cashless Claim
24x7 Missed Facility
Filing a Travel Insurance Claim
My Home–All Risk Policy
Home Insurance Claim process
Home Insurance Simplified
Home Insurance Cover
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Create a Profile With Us to Unlock New Benefits
- Customised plans that grow with you
- Proactive coverage for future milestones
- Expert advice tailored to your profile
What Our Customers Say
Simple Process
Straightforward online travel insurance quote and price. Easy to pay and buy
Madanmohan Govindarajulu
Chennai
11th Apr 2019
Convenient
Very user-friendly and convenient. Appreciate the Bajaj General team a lot.
Payal Nayak
Pune
15th Mar 2019
Affordable
Very nice service with an affordable premium for travel insurance.
Kinjal Boghara
Mumbai
5th Mar 2019
User Friendly
Quick, easy, and user-friendly process to buy travel insurance.
Abhijeet Doiphode
Pune
6th Feb 2019
Customer Support
Very prompt and professional service. I am pleased with the customer service team at Bajaj General.
Ushaben Pipalia
Ahmedabad
31st Jan 2019
Quick Assistance
I am highly impressed by the efficiency of the Bajaj General call centre executive who helped me with my travel insurance.
Paromik Bhattacharyya
Kolkata
25th Dec 2018
FAQ's
What is a home insurance premium calculator?
A home insurance premium calculator is an online tool by Bajaj General Insurance that helps you estimate your home insurance premium instantly for both structure and contents, depending on your needs.
How does a home insurance premium calculator work?
The calculator works by using your inputs, like property value, location, and coverage type, to generate an estimated premium through automated algorithms.
Is using a home insurance calculator free?
Yes, using the home insurance calculator from Bajaj General Insurance is completely free and accessible online.
What details are required to calculate home insurance premiums?
You will need property details, construction type, built-up area, sum insured, and contents value to get accurate premium estimates from the building insurance premium calculator.
Can I calculate premiums for both home structure and contents?
Yes, the Bajaj General Insurance home insurance calculator allows premium calculations for both structure and household contents.
How accurate are the estimates from a home insurance premium calculator?
Premium estimates are indicative, based on details entered. Final premiums may vary after underwriting by Bajaj General Insurance.
Does the calculator consider the age and construction type of my house?
Yes, both house age and construction type affect premium estimates in the calculator.
Can I compare premiums from multiple insurers using a home insurance calculator?
No, this tool only reflects Bajaj General Insurance’s calculations.
Is it safe to enter my property details in an online premium calculator?
Yes, Bajaj General Insurance ensures safety and confidentiality when you use its home insurance calculator online.
Can a home insurance calculator estimate my claim amount?
No, the calculator is designed for premiums, not claims. Claims are settled separately based on coverage terms.
Does the calculator account for depreciation while estimating claims?
No, depreciation is applied during claim settlement, not in premium calculation.
Can I include add-ons like earthquake cover in the premium calculation?
Yes, the Bajaj General Insurance home insurance calculator allows add-on selections like earthquake, terrorism, or flood cover.
How does my claims history affect the premium shown in the calculator?
Claims history is not factored into the initial calculator output, but it may impact final premiums at underwriting.
Will the calculator show the effect of a higher deductible on my claim payout?
The calculator shows the impact of deductibles on premiums, but not on actual claim payouts.
Can a home insurance premium calculator be used for renewal premiums?
Yes, you can use it for fresh policies as well as renewal premium calculations.
Do I need my old policy details to use the calculator for renewal?
Basic property details may suffice, but old policy details ensure more accurate premium renewal estimates.
Will my No Claim Bonus (NCB) affect the renewal premium calculation?
Yes, NCB is factored into renewal premium estimates by Bajaj General Insurance.
Can I modify the sum insured during the home insurance renewal calculation?
Yes, the calculator allows sum insured adjustments at the renewal stage.
Can I compare renewal premiums from different insurers in the calculator?
No, the Bajaj General Insurance’s calculator only shows its own premiums.
Why juggle policies when one App can do it all?
Download Bajaj General App!
With GST waiver, individual and family floater policies for health, personal accident, and travel insurance (on retail basis) are 18% cheaper from 22 September 2025. Secure what matters at an affordable price!
