How to Raise a Home Insurance Claim?

A home insurance policy provides comprehensive financial protection against losses to your home, such as fire, burglary, theft, specified natural disasters, damage to the contents inside and more. Depending on insurance providers, such coverages vary, and you must compare plans before buying one.

Yes, home insurance policies are widely available for owned as well as rented homes. However, the coverage offered to you may vary depending on the location, age and construction of your property.

The cost of a home insurance policy depends on factors like the location, size and age of your property, its construction material, the sum insured you choose, the deductible, etc. Hence, compare the premiums of a few plans before finalizing your purchase.

While buying home insurance, you generally need to share basic details of your property, such as its address, age, built-up area and construction type. Based on your insurer and the sum insured, you may also need to produce documents supporting the value of your home, such as a valuation report or the purchase agreement.

Exclusion criteria vary between insurers, but there are some losses that most insurers may not pay for. These generally include normal wear and tear, gradual deterioration, wilful damage by the insured, war and nuclear risks, and more. Hence, check the exclusion criteria carefully before finalizing your purchase.

Get in touch with us on our toll-free number 1800-209-5858, which stays open 24 hours a day. You may also write to careforyou@bajajgeneral.com or raise the claim on the Bajaj General app.

Additionally, you may reach out on:

Boing - https://cloud.yellow.ai/pwa/v2/live/x1714103142268?ym.triggerJourney=nmca-direct_qhveud&

Voice bot - 18002095858 / 18001025858

WhatApp BOT - 7507425858.

Before you begin, keep your policy number, the details of the incident, the purchase invoices, etc., ready with you.

The documents vary between a damage claim, a theft claim and a burglary claim. For a damage claim, these generally include the repair estimate, the service report, the repair bill, the payment receipt, etc. Hence, check the relevant list on this page before you raise your claim.

Insurers generally allow multiple claims in a policy year. However, you must note that a small claim may not be worth raising once you account for the deductible, the impact on your renewal premium, etc. Therefore, weigh what you would recover against the cover you may need later.

Ensure everyone in the house is safe and avoid any repair or clean-up work until the surveyor completes the assessment. Repairs done earlier generally become difficult to verify. For a theft or a burglary, report the incident at the nearest police station and obtain the FIR, the panchnama, etc.

Yes, most insurers let you renew your home insurance online from apps or web portals. With Bajaj General Insurance, you may renew your policy by logging into our app and entering your current policy details. However, you must confirm the renewal terms before paying the premium.

Home insurance policies are generally renewed rather than extended. Get in touch with your insurer before the expiry date and check whether the sum insured still matches the current value of your home, its contents, etc. Confirm the revised premium once and proceed to pay online.

Your insurer generally allows a grace period if you miss your renewal date. Most insurers allow a grace period during which you must renew the policy. However, failing to renew within this window may leave your property uncovered for any loss that follows.

The validity period of home insurance is generally one year. However, some insurers offer long-term policies of up to 10 years for the structure of your home.

Yes, you may upgrade your existing home insurance policy by increasing the sum insured while renewing it. However, increasing this amount may increase your premium as well.