Home Insurance

Covers the physical structure of your home against all the unforeseen calamities like floods, earthquakes, cyclones and storms.

Protects against any man-made damage caused by anti-social activities such as vandalism, riots, strikes, or other malicious acts.

Bajaj General Home Insurance Policy covers your home against burglary and theft, adding an extra layer of protection.

Replaces or repairs damaged items such as furniture, clothing, electronics and jewellery that are kept inside the house.

Pays for alternative accommodation and also additional living expenses if your home becomes unavailable after an insured disaster.

Protects you financially if someone suffers an injury or if accidental damage is caused to your neighbour’s property.

With home insurance, you get a range of customizable add-on covers that ensure foolproof protection for your home.

Some policies also offer coverage against loss or damage caused by domestic workers, including theft or accidental damage.

Bajaj Insurance Home Insurance helps rebuild your home and finances after an earthquake with reliable insurance coverage.

Take out insurance on the property using the reconstruction cost and not the market value. This is because the land value will not be considered. The concern at the moment is the cost involved in rebuilding after a disaster.

Make an inventory of all items in your household, which include furniture, electronic gadgets, appliances, jewellery, and any other valuable items. The valuation of these assets will enable you to determine the appropriate cover for them.

Purchase additional coverage to protect against threats you face in your area. Protection against threats such as flooding, earthquakes, fire, and catastrophes will give your coverage an added advantage and decrease your chances of financial loss.

Identify if you require insurance for the building structure alone, the contents of the home, or both. Choosing the right insurance will allow you to purchase only what applies to you and protect what is important to you.

Before buying an insurance plan, check the insurance company's Claim Settlement Ratio. A good claim settlement ratio reflects trustworthiness in settling claims, thus boosting your trust that the company will help in case of any problems.

Be sure to carefully read through the coverage offered by the policy to know what is covered. Doing so will save you from confusion later on when you are expecting coverage for certain risks or possessions but discover otherwise.

Knowing the policy exclusions is as crucial as reading the inclusions. Understanding the types of situations, damages, and things that are excluded from coverage helps prevent claims disputes. As well as enabling you to take appropriate measures if necessary.

Deductible refers to the sum that needs to be settled before the insurer makes any contribution towards the claim. Although high deductibles are likely to lower premiums, it is essential to select a deductible that is affordable.

When purchasing home insurance, ensure you shop around by comparing multiple quotes online. By comparing different policies online, you will learn about the coverage, premiums, advantages, and disadvantages, which will help you find the best choice.

One of the key factors that helps to determine the home insurance premium is the age of the building. Other crucial aspects include structure value, additional structure, and so forth.

Some insurance companies may consider credit history when setting house insurance premiums. To keep a good credit score, it is advisable to pay bills on time.

A deductible is the amount that the policyholder pays for the loss before the insurer compensates for the claim. Increasing the deductible means higher out-of-pocket expenses.

Do not file claims for minor damages. Uncertainty never comes with a knock on the door. Some insurers may offer a competitive house insurance premium price for every claim-free year.

If your home is in a safer place, buy an economical insurance with affordable premium rates. However, if it is an earthquake or flood zone, the premium rate might increase.

Insuring your expensive jewellery can affect the premium you pay. Apart from that, the purchase method can affect premium costs. Buying home insurance online offers an instant home insurance quote.