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    Home Insurance

    Easy Householder Package Policy

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    Convenient protection for your home

    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?
    • Fire and Allied perils

    Covers loss or damage caused due to fire, lightning, cyclones, floods and many more

    • Breakdown of domestic appliances

    Covers the repair or replacement costs arising from unexpected mechanical or electrical breakdown of domestic appliances

    • Burglary and Theft

    Covers for the loss or damage to the premises and contents caused by actual /attempted burglary or theft

    Key Exclusions

    What's not covered?
    • Consequential loss of any kind or description

    Whether on the sports field or off, losses are a part of life. Indirect or consequential losses, such as the stoppage of rental income due to damage sustained by the insured property, is not covered under the easy householder policy.

    • Loss or damage caused by depreciation or wear and tear

    Hours, days, months and years, the hands of time govern all things. If your home or its contents suffer damage due to age, we are unable to cover such losses.

    • Damage to contents of a consumable nature

    Consumables such as medicines, food, fuel, cooking gas etc. are not covered under the terms of the policy.

    • Loss or damage to mobile phones or similar communication devices

    Mobile phones and other communication devices being personal use devices are not covered under theeasy householder policy.

    • Loss of or damage to valuables, jewellery or precious items

    Gold and other valuables are perhaps safest in a bank vault. They are not covered under our householder policy.

    • Other exclusions as listed in the policy wordings

    For details on our terms and conditions of coverage, read the policy wordings carefully before investing. For more information, please refer to the brochure in the tools section above.

    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

    Privacy Policy

    I/We hereby give voluntary consent to BAGIC/Company to share my/our personal information and data provided in this proposal form with its group companies or any other person in connection with the Insurance Policy or otherwise, including for providing products and services of group companies that may be of interest to me/us, to be used in accordance with their respective privacy policies and subject to appropriate measures being in place to safeguard my/our personal information.
    Click here to read our Privacy Policy

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    By opting for WhatsApp communication, you'll lose out on:

    1. Your personalised quote delivered directly on WhatsApp

    2. WhatsApp notification on policy information, updates & announcements

    Benefits You Deserve

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    Safeguarding personal assets

    Protect your hard-earned assets with a reliable home insurance

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    Safety from Natural Disasters

    Unexpected natural disasters can lead to a major financial setback

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    Protect your precious property

    Ensure peace of mind by protecting what matter most - your home and valuables

    At-A-Glance

    Compare Insurance Plans Made for You

    Plans Offered
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    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

    Download Policy Documents

    Get instant access to your policy details with a single click.

    Wellness Companion

    Healthmanager

    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.

    Healthassetment

    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.

    Healthmanager

    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

    HealthAssesment

    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.

    Expand Your Coverage Today!

    Loss of Rent Cover

    Tooltip text

    Compensates for lost rental income.

    Applies if insured property becomes uninhabitable

    Starting from

    INR 45 + GST

    Temporary Resettlement Cover

    Tooltip text

    Compensates for lost rental income.

    Applies if your home is uninhabitable after a covered event.

    Starting from

    INR 50 + GST

    Key and Lock Replacement Cover

    Tooltip text

    Covers costs for replacing locks and keys.

    Applies if they are lost or stolen.

    Starting from

    INR 100 + GST

    ATM Withdrawal Robbery Cover

    Tooltip text

    Provides financial protection if you are robbed.

    Applies when cash is withdrawn from ATM

    Starting from

    INR 150 + GST

    Lost Wallet Cover

    Tooltip text

    Covers the loss of your wallet.

    Includes the cost of replacing contents like cards and IDs.

    Starting from

    INR 50 + GST

    Step-by-Step Guide

    To help you navigate your insurance journey

    How to Buy

    • 1

      Visit Bajaj General website

    • 2

      Enter personal details

    • 3

      Compare home insurance plans

    • 4

      Select suitable coverage

    • 5

      Check discounts & offers

    • 6

      Add optional benefits

    • 7

      Proceed to secure payment

    • 8

      Receive instant policy confirmation

    How to Renew

    • 1

      Login to the app

    • 2

      Enter your current policy details

    • 3

      Review and update coverage if required

    • 4

      Check for renewal offers

    • 5

      Add or remove riders

    • 6

      Confirm details and proceed

    • 7

      Complete renewal payment online

    • 8

      Receive instant confirmation for your policy renewal

    How to Claim

    • 1

      Notify Bajaj General about the claim using app

    • 2

      Submit all the required documents

    • 3

      Choose cashless or reimbursement mode for your claim

    • 4

      Avail treatment and share required bills

    • 5

      Receive claim settlement after approval

    How to Port

    • 1

      Check eligibility for porting

    • 2

      Compare new policy benefits

    • 3

      Apply before your current policy expires

    • 4

      Provide details of your existing policy

    • 5

      Undergo risk assessment by Bajaj General

    • 6

      Receive approval from Bajaj General

    • 7

      Pay the premium for your new policy

    • 8

      Receive policy documents & coverage details

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    Claim Motor On The Spot

    Two-Wheeler Long Term Policy

    24x7 Roadside/Spot assistance

    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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    What Our Customers Say

    Simple Process

    Straightforward online travel insurance quote and price. Easy to pay and buy

    alt

    Madanmohan Govindarajulu

    Chennai

    5

    11th Apr 2019

    Convenient

    Very user-friendly and convenient. Appreciate the Bajaj General team a lot.

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    Payal Nayak

    Pune

    4.8

    15th Mar 2019

    Affordable

    Very nice service with an affordable premium for travel insurance.

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    Kinjal Boghara

    Mumbai

    4.5

    5th Mar 2019

    User Friendly

    Quick, easy, and user-friendly process to buy travel insurance.

    alt

    Abhijeet Doiphode

    Pune

    4.5

    6th Feb 2019

    Customer Support

    Very prompt and professional service. I am pleased with the customer service team at Bajaj General.

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    Ushaben Pipalia

    Ahmedabad

    5

    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.

    alt

    Paromik Bhattacharyya

    Kolkata

    5

    25th Dec 2018

    FAQ's

    What is easy house holders package policy?

    Whether water logging due to incessant rains or malfunctioning electrical appliances, our easy house holders’ package policy gives you respite from the costs of repair and replacement. This comprehensive package policy is designed to cover various risks and contingencies faced by householders. It provides protection for your household contents, dom

    Can I increase my sum insured?

    No, the sum insured on your home insurance policy cannot be increased once the policy is in effect. This is because Easy House Holders package policy has fixed plans to choose from with preset sum insured amount.

    What are the major exclusions under this policy?

    Though Bajaj General offers comprehensive coverage, there are certain risks that do not come under its purview. Consequential loss of any kind or description, loss or damage caused by depreciation or wear and tear, damage to contents of consumable nature, loss or damage to mobile phones or similar communication devices, loss or damage to valuables,

    What are the plans available under this policy?

    We offer three unique plans that insure you against major risks, with a fixed sum insured.

    What is a home insurance policy?

    A home insurance policy protects homeowners from financial losses related to damage or destruction of their property and its contents.

    Can I get an insurance policy for my home?

    Yes, home insurance policies are widely available. However, the availability and specific types of coverage can vary depending on your location and the characteristics of your home.

    What is the cost of home insurance policy?

    The cost of a home insurance policy varies significantly based on factors such as the home's location, size, age, construction materials, coverage limits, and deductible amount.

    What documents do I need to get a home insurance policy?

    Home insurance can be obtained by providing basic information about your property, including its address, age, square footage, and construction details. Some insurance providers may also require documentation related to the home's value, such as an appraisal or purchase agreement. Check with the specific insurance provider for requirements.

    What are common exclusions in home insurance policies?

    Common exclusions often include damage from floods, earthquakes, wear and tear, mold, and certain types of water damage. It's crucial to review your policy documents to understand the specific exclusions that apply.

    How do I register my claim?

    To initiate a claim, you must promptly notify your insurer. It is important to provide details such as the date and time of the incident, along with a summary of what happened. Quick reporting allows for a timely assessment and response to your claim.

    What documents would I need to process my home insurance claim?

    The documents required to raise a claim generally include your insurance policy, a detailed account of the incident, photographic or video evidence of the damage, and repair cost estimates. These documents help the insurer accurately evaluate the claim and determine the extent of the loss.

    What is the claim settlement process under the home insurance?

    The standard claim process involves reporting the incident, submitting all requested documentation, and undergoing an assessment by an insurance adjuster. Following the assessment, the insurer reviews the claim for approval. Upon approval, a settlement offer is presented by the insurer. This process ensures a fair evaluation of the claim.

    How many times can I raise a claim on my home insurance policy?

    While there is typically no fixed limit on the number of claims, frequent filings can influence your policy. Multiple claims within a short timeframe may lead to adjustments in your premiums. Insurance providers evaluate risk based on claim history, and consistent filings can indicate a higher risk profile, affecting future coverage.

    What steps should I take immediately after my home is damaged?

    Ensure the safety of everyone in your home. Take steps to prevent further damage, such as covering damaged roofs or windows. Document the damage with photos and videos. Contact your insurance company as soon as possible to report the claim.

    Can I renew my home insurance policy?

    Yes, home insurance policies can get renewed annually. Most insurers will offer renewal options, but it's essential to confirm with your specific provider.

    How can I extend my home insurance plan?

    Home insurance policies are generally renewed rather than extended. Contact your insurance provider before the policy's expiration date to initiate the renewal process.

    What happens if my home insurance expires?

    If your home insurance expires, your property will be uncovered. This means you would be financially responsible for any damages or losses that occur. It is recommended to ensure your policy is renewed before its expiration date to avoid a lapse in coverage.

    What is the validity period of home insurance?

    The validity period of home insurance is usually an year. However, some insurers may offer policies with different terms. Always confirm the validity period with your insurance provider when purchasing or renewing your policy.

    Can I change my coverage level or add-ons at renewal?

    In most cases, you can adjust your coverage level or add-ons at renewal. However, any changes may be subject to underwriting and approval by the insurance company.
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    Why Bajaj General Easy Householders package policy?

    Stress and worry is a natural consequence when the mind is not at ease. To really feel at home in your new house or residential property, you need more than locks and double doors. Even an alert pet that promptly showers unknown visitors with a volley of barks is no guarantee that your loved ones within your home are safe from a variety of threats. Bajaj General Easy Householders Package Policy is just what you need to keep worries at bay.

    Competitive in terms of coverage and affordability, this householder policy offers a range of customised plans to suit every need and budget. Regardless of whether you own or rent your home, it offers you protection from natural and man-made risks, personal accidents or damage to property.

    While it’s true that in an emergency, neighbours and friends are often the first to respond and offer emotional help, a householder policy from Bajaj General is the perfect antidote to the financial uncertainty that a crisis involving your home and belongings can bring.

    Key Benefits for Home Insurance

    In India, buying a house is considered a rite of passage. Statistically, the vast majority of Indians own the homes they live in. It also brings you justifiable pride to finally have a place of your own. However, with the rising instances of theft, riots, loss of belongings and other risks, the house of your dreams has to contend with a number of risks on a day to day basis. If you have a family or other dependents, the risks are often magnified in light of the possibility of accidents or injuries. 

    These risks cannot be predicted or always prevented. Investing in home insurance  gives you a measure of certainty in the event of an unfortunate incident like burglary. The easy householderpolicy absorbs any financial shockwaves that you might experience and enables you to be a resilient and calm pillar of support for your family and loved ones.

    Here’s why Bajaj General Easy Householders Package Policy:

    Convenience to choose from 3 customized plans : To win at chess against a skilled opponent, you need more than one strategy. As the game progresses, your instincts alone may not be enough to help win, you’d need flexibility and improvisation to match the competition.  With our easy householder policy, you can choose from 3 customized plans offering modular coverage suited to your unique needs.

    Affordable package premium : As a discerning buyer, we know you appreciate getting better value for your money, which is why our easy householder policy is specially designed to be cost effective while offering tailored coverage that is just the right fit for your requirements. As the cost of living increases, the cost of protecting your home and its belongings is finally reducing, thanks to our easy householder policy.

    Combination of requisite covers: Choosing a buffet over an a la carte meal gives a wider choice of food to eat besides being more exciting. With our easy householder policy, we have taken aim at eliminating redundancy and giving you unmatched flexibility in choosing the best coverage for your needs. This not only reduces the overall cost of buying a home insurance cover but also helps you respond to emergencies in a much more confident manner. 

    Easy claim settlement process: When it comes to delivering on our promises, we want to be always on point. By leveraging state of the art technology and modern workflows, the easy householder policy offers you fast claim settlement and 24x7 customer support that keeps you informed every step of the way. No matter the time of day (or night!), you’ll always find a listening ear when you call us with a query. Our advisors lose no time in giving you real time status updates for home insurance claims  and will be more than happy to answer any questions that you may have!

    Home Insurance for You

    Buying a home is a lot like scaling a summit. Arranging the finances and performing the paperwork before finally taking possession of your new home can be a fairly long drawn process. Considering the amount of financial investment and equity you would have put in while buying a house, a householder policy makes a lot of sense. For a nominal premium, it provides your home and family with peace of mind and continuity in case of calamities like theft, riots, fire, floods, earthquakes etc.

    Being an immovable asset, you may take a number of physical measures to protect your home and its contents from damage. From a security point of view, you may opt for CCTV, video door phones, intercom systems, etc. to ensure better surveillance around your home and its immediate vicinity. You may even ask friendly neighbours to keep an eye on suspicious persons in the spirit of mutual cooperation.

    However, while these measures can contribute to improving vigilance and promoting security around the neighbourhood, they are by no means fool proof. Worse, they offer no protection from the financial losses and resulting turmoil that one can experience should the unthinkable occur. Bajaj General’ proven householder policy helps you cover the gap in terms of minimizing the financial impact and ensuring a smooth transition from chaos to normalcy in case of natural or man-made calamities.

    Simple, effective and affordable-our easy householder policy is the ace of spades that can turn a tragedy into a learning experience.

    HOME INSURANCE FOR YOU

    Buying a home is a lot like scaling a summit. Arranging the finances and performing the paperwork before finally taking possession of your new home can be a fairly long drawn process. Considering the amount of financial investment and equity you would have put in while buying a house, a householder policy makes a lot of sense. For a nominal premium, it provides your home and family with peace of mind and continuity in case of calamities like theft, riots, fire, floods, earthquakes etc.

    Being an immovable asset, you may take a number of physical measures to protect your home and its contents from damage. From a security point of view, you may opt for CCTV, video door phones, intercom systems, etc. to ensure better surveillance around your home and its immediate vicinity. You may even ask friendly neighbours to keep an eye on suspicious persons in the spirit of mutual cooperation.

    However, while these measures can contribute to improving vigilance and promoting security around the neighbourhood, they are by no means fool proof. Worse, they offer no protection from the financial losses and resulting turmoil that one can experience should the unthinkable occur. Bajaj General’ proven householder policy helps you cover the gap in terms of minimizing the financial impact and ensuring a smooth transition from chaos to normalcy in case of natural or man-made calamities.

    Simple, effective and affordable-our easy householder policy is the ace of spades that can turn a tragedy into a learning experience.