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Home Insurance
Householder Package Policy
Key Features
Secure your home's every need with a complete package insurance
Coverage Highlight
All-round protection for every aspect of your home and beyond
Package Policy
Provides an all-round protection for your home and its contents against various risks such as fire, burglary, natural calamities etc
Multiple Plans
Choose from various sections that suit different needs and budgets, whether you own or rent your home
Financial Security
Protect youself and your family from financial setbacks due to incidents like burglary, theft or fire
Coverage for Housing society
Get comprehensive coverage for Housing Societies
All Risk Coverage
Avail all risk coverage for pedal cycles, electronic items etc.
Additional Benefits
Get coverage for personal accident, liability, pedal cycle, baggage, breakdown of domestic appliances etc.
Sectional Discount
Get discount of 15% on opting for more than 5 sections & get discount of 20 % on opting 7 or more sections
Key Inclusions
What's covered?Buildings And Contents(Excluding Valuables)
Cover for damage to the house and its contents due to fire, lightning, explosion, and other specified perils
Burglary And Theft
Get coverage for loss or damage to the insured property due to burglary or theft
Jewellery And Precious Items(All Risks)
Protects against loss or damage to jewellery and other valuable items due to theft, burglary, or other covered perils
Plate Glass
Covers accidental breakage of fixed plate glass in the insured premises
Breakdown Of Domestic Appliances
Covers repair or replacement costs for domestic appliances that break down due to electrical or mechanical issues
Electronic Equipment
Provides coverage for loss or damage to electronic equipment like computers, TVs, and other gadgets
Pedal Cycle
Cover for loss or damage to pedal cycles due to accidents, theft, or other covered perils
Baggage
Protect against loss or damage to personal baggage while travelling
Personal Accident
Get compensation in case of accidental death or disability of the insured person
Public Liability
Cover for legal liability for accidental bodily injury or property damage to third parties
Employee's Compensation
Get coverage for legal liability towards employees for bodily injury or death arising out of and in the course of employment
Key Exclusions
What's not covered?Pre-existing Damage
Any pre-existing damage to the structure of your home and contents is not covered
Consumable Items
Loss or damage to articles of consumable nature is not covered
Manufacturing Defects
Loss or damage due to manufacturing defects in electrical, mechanical, and electronic items is excluded
Intentional Damage
Any intentional or willful destruction of the property (home and contents) is not covered
Consequential or indirect loss
Any consequential or indirect losses such as loss of rental income due to a fire rendering your property unlivable for a certain period of time
Normal Wear & Tear
Loss or damage caused by depreciation or wear and tear
Other Exclusions
Please refer to policy wordings for details
Additional Covers
What else can you get?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
Loss Of Rent Cover
Compensates for lost rental income if your insured property becomes uninhabitable following a loss
Temporary Resettlement Cover
Covers expenses for temporary accommodation if your home is uninhabitable after a covered event
Portable Equipments Cover
Covers repair or replacement costs due to unforeseen accidental loss or damage to the covered portable equipments
Purchase Protection Cover
Cover loss or damage to newly purchased furniture, appliances, and electronics due to fire, burglary, theft, or accidents at the insured premises
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
Ambulance Charges Cover
Covers ambulance expenses upto INR 5,000 for transporting the injured to the nearest hospital
Benefits You Deserve
Comprehensive Coverage Bouquet
Diverse array of coverages for complete home protection
Cover from Brick to Decor
Protection extends from the building to the interiors, ensuring complete cover
Preferred by Housing Societies
Comprehensive coverage to fulfill the needs of housing societies
Safeguard Your Home with General Insurance Householder Cover
Your home is more than just a structure. It holds your memories, possessions, and financial investments. But unexpected events like fires, thefts, or natural disasters can put all of that at risk. That’s where a householder insurance policy becomes essential. Designed to offer financial protection against multiple threats, this type of home insurance allows you to secure both the building and its contents under one convenient plan.
With the Bajaj General Insurance Limited householder policy, Indian homeowners and tenants alike can access tailored coverage that safeguards property, valuables, and legal liabilities. In this guide, we’ll walk you through what this policy includes, how to assess your coverage needs, and how the home insurance calculator can help you determine the right premium.
What is a Householder Insurance Policy?
A Householder Insurance Policy is a bundled product designed to safeguard your home and its contents from multiple risks under one umbrella. Instead of purchasing separate policies for fire, burglary, breakdowns, or liability, this package covers it all in one go.
At Bajaj General Insurance Limited, the Householder Policy offers customisable coverage for building structures, household goods, domestic appliances, personal accident cover, legal liability, and more. Whether you own or rent your house, this policy is an ideal protection tool for your property and possessions.
Why Do You Need a Householder Policy?
In India, our homes are not just structures. They hold our savings, memories, and valuables. But they’re vulnerable to risks such as fire, burglary, and natural disasters. Repairing appliances or replacing stolen jewellery can cost a fortune.
As urban living and asset values rise, a solid home insurance policy that covers both the structure and its contents becomes essential. That’s why Bajaj General Insurance Limited householder insurance policy provides a practical and affordable solution for today’s households.
Key Coverages Under Bajaj General Insurance Limited Householder Insurance Policy
The Householder Policy combines multiple covers into one package. Below are the major sections included:
1. Fire and Allied Perils (Building and Contents)
Protects your home’s structure and contents against fire, explosion, lightning, earthquakes, storms, floods, riots, and more.
2. Burglary and Housebreaking
This section covers the loss or damage to household items due to burglary or attempted theft.
3. Jewellery and Valuables Cover
Covers accidental loss or damage (not just burglary) to jewellery and valuables within India, subject to conditions.
4. Plate Glass and Sanitary Fittings
Compensates for accidental damage to fixed glass panels or sanitary fittings inside your house.
5. Breakdown of Domestic Appliances
Covers mechanical or electrical breakdown of appliances like air-conditioners, washing machines, refrigerators, etc.
6. Television Set and Audio Equipment
Covers accidental external damage and breakdown, excluding internal wear.
7. Personal Computer Cover
Safeguards your desktop or laptop from accidental loss or damage due to fire, theft, or breakdown.
8. Personal Accident Cover
Provides compensation in case of accidental death or permanent disability of the insured or family members.
9. Public Liability
If a third party is injured or their property is damaged due to your home-related activity, this section covers legal liability.
10. Pedal Cycles
Covers accidental damage, theft, or third-party legal liability for pedal cycles.
Benefits of Choosing Bajaj General Insurance Limited Householder Policy
Here’s what makes the Householder Insurance Policy from Bajaj General Insurance an ideal choice:
● Comprehensive Coverage: One policy that covers almost every risk related to your home, belongings, and legal liabilities.
Customisable Options: You can choose which sections to opt in based on your household needs.
● Flexible Sum Insured: Determine your coverage amount based on the market value or reinstatement value of your assets.
● Add-On Benefits: Optional extensions are available for deeper protection, such as terrorism cover or increased limits on valuables.
● Quick Claim Process: Bajaj General Insurance is known for its fast and transparent claims settlement system.
● Digital Access: Use the home insurance calculator to estimate premiums instantly and customize your plan.
Who Can Buy a Householder Insurance Policy?
This policy is ideal for:
● Homeowners: To protect both building and household contents.
● Tenants: To cover household items, appliances, and personal belongings.
● Landlords: To cover structural damage due to fire, weather events, or riots.
● Joint Families: To protect high-value contents and personal liability for the entire family under a single plan.
Whether you live in a flat, bungalow, or independent house, Bajaj General Insurance has you covered.
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
Know More
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For any further queries, please reach out to us
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Toll Free : For Sales :1800-209-0144
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Email ID: careforyou@bajajgeneral.com
Download Policy Documents
Get instant access to your policy details with a single click.
Things You Should Know Before Buying
● Correct Valuation: Ensure your building and contents are at the correct market or replacement value to avoid underinsurance.
● Documentation: Keep an inventory of high-value items and their purchase receipts to support claims.
● Exclusions: Read the policy wording carefully. Damages due to war, nuclear risks, or gradual wear and tear are usually excluded.
● Renewal: Timely renewal ensures uninterrupted protection. Bajaj General Insurance Limited also offers long-term coverage options.
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From fitness goals to medical records, manage your entire health journey in one place–track vitals, schedule appointments, and get personalised insights
Take Charge of Your Health & Earn Rewards–Start Today!
Be proactive about your health–set goals, track progress, and get discounts!
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Experience integrated health management with us by connecting all aspects of your health in one place
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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 the Householder's Package Policy?
Getting the keys to your own home is a dream come true. But to keep your home and belongings safe, you need affordable and comprehensive home insurance. The Bajaj Insurance Householder's Package Policy is designed to cover various risks and contingencies faced by homeowners under a single policy. It protects your property, domestic and electronic app
What losses are covered under the Householder's Package Policy?
Your home should be a true haven. With the Bajaj Insurance Householder's Package Policy, you and your family are protected from various threats, including fire and allied perils, burglary and theft, loss or damage to jewellery and precious items, plate glass breakage, breakdown of domestic appliances and electronic equipment, pedal cycle coverage, and personal accident cover — ensuring complete protection and peace of mind for your household.
What's the entry age for this policy?
Every Indian home and family deserves protection. Given the unpredictable nature of life, the sooner you opt for home insurance, the better. Anyone aged 18 and above can buy a home insurance plan from Bajaj General. For personal accident cover, the entry age for the proposer and spouse is 18 to 65 years. Dependent children can be covered from 5 to 21 years of age, ensuring comprehensive protection for every member of the family.
What's the policy period?
The Bajaj Insurance Householder's Package Policy is an annual policy providing extensive coverage for your home and belongings against various risks.
Who can be covered under this policy?
For personal accident cover, both the proposer and spouse can be included. Dependent children can be covered from 5 to 21 years old.
Can I insure only the contents of my rented flat?
Yes, you can. If you are a tenant, you can take a Householder Insurance Policy for household contents, electronics, and valuables, even if you don’t own the structure.
Does the policy cover damage due to water leakage or seepage?
Generally, gradual seepage is not covered. But if it is due to sudden and accidental events like burst pipes, your claim may be considered.
What happens if my jewellery is stolen outside the house?
The jewellery and valuables section usually covers theft only from the insured premises. You may need a separate cover for all-risk jewellery insurance if you want outdoor protection.
Can I increase the sum insured after the policy is issued?
Yes, during the renewal or mid-term, you can request changes to your sum insured. It may require updated asset details or revaluation.
How can I file a claim under this policy?
Contact Bajaj General Insurance Limited immediately via call or online portal. Provide FIR copy in case of theft, damage photos, and bills. The team will guide you through inspection and settlement.
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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GST waiver makes retail individual health, PA and travel insurance including family floater policies 18% cheaper from 22nd September 2025. Secure your health at an affordable price
