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होम इन्श्युरन्स
होम इन्श्युरन्स प्रीमियम कॅल्क्युलेटर
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
जागतिक कव्हरेज
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
सोपी क्लेम प्रोसेस
Streamlined and hassle-free claims process to ensure quick settlements
24x7 कस्टमर सपोर्ट
Round-the-clock assistance to address any queries or emergencies promptly
टीप
* 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
वैकल्पिक निवासासाठी भाडे आणि दलाली
If your home becomes inhabitable due to covered perils, some plans cover rent & brokerage for alternate accomodation up to a specified limit
आणीबाणीची खरेदी
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?कपातयोग्य
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
सर्वसाधारण नुकसान (तुटणे व फुटणे)
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
मेकॅनिकल किंवा इलेक्ट्रिकल ब्रेकडाउन
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
इतर अपवाद
Please refer to policy wordings for details
पर्यायी कव्हर्स
What else can you get?की आणि लॉक रिप्लेसमेंट कव्हर
Covers cost for replacing locks and keys of your home and vehicles if they are lost or stolen
एटीएम विथड्रॉअल दरोड्यासाठीचे कव्हर
Provides financial protection if you are robbed after withdrawing cash from an ATM
पाकीट हरविल्याचे कव्हर
Replacement costs for lost or stolen wallet as well as personal papers and payment cards that were in the wallet
श्वान इन्श्युरन्स कव्हर
Insures against death from accidents or diseases of your pet dog covered under the policy
सार्वजनिक उत्तरदायित्व कव्हर
Offers protection against legal liability for accidental bodily injury or property damage to third parties
कामगारांच्या नुकसानभरपाईचे कव्हर
Covers legal liability towards employees for injury, illness or death arising out of employment duties
हंगामी पुनर्वसन कव्हर
Covers expenses for temporary accommodation if your home is uninhabitable following a loss
भाडे नुकसानीचे कव्हर
Compensates for lost rental income if your insured property becomes uninhabitable following a loss
होम इन्श्युरन्स प्रीमियम कॅल्क्युलेटर म्हणजे काय?
घर विकत घेतले आहे, फर्निचर सेट केले आहे आणि तुम्ही परिपूर्ण वॉलपेपर व्यवस्थापित करण्याच्या प्रयत्नात आहात! हे एखाद्या स्वप्नासारखे वाटते आणि अभिनंदन नक्कीच अपेक्षित आहे. अभिनंदनासह, आम्ही तुम्हाला थोडा सल्ला देऊ इच्छितो.
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.
नावाप्रमाणेच, होम इन्श्युरन्स प्रीमियम कॅल्क्युलेटर हे एक ऑनलाईन टूल आहे जे तुम्हाला तुमच्या होम इन्श्युरन्सवरील लागू प्रीमियमची त्वरित कॅल्क्युलेशन करण्यास सहाय्यभूत ठरतो. सोपे, जलद आणि कार्यक्षम; आमचे होम इन्श्युरन्स इंडिया प्रीमियम कॅल्क्युलेटर तुम्हाला 10 सेकंदांच्या आत अंदाजपत्रक देते!
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
आमच्या होम इन्शुरन्स कॅल्क्युलेटरचे फायदे
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:
वापरण्यास सोपे आहे
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!
भाडे आणि मालकीच्या प्रॉपर्टीसाठी प्रीमियमची गणना करते
भाड्याने असो किंवा मालकीचे असो, तुमचे घर नेहमी विशेष असते. म्हणूनच समान कॅल्क्युलेटरचा वापर भाड्याने घेतलेल्या आणि मालकीच्या दोन्ही प्रॉपर्टीसाठी प्रीमियमचे मूल्यांकन करण्यासाठी केला जाऊ शकतो.
बिल्डिंग, आणि त्याची सामग्री किंवा दोन्हीसाठी इन्श्युरन्स करतांना प्रीमियम शोधतात
आमचे होम इन्शुरन्स प्रीमियम कॅल्क्युलेटर तुम्हाला तुमच्या प्रॉपर्टीवर लागू असलेल्या प्रीमियमचा सर्वसमावेशक व्ह्यू देते. तुम्ही बिल्डिंग किंवा त्याची सामग्री किंवा दोन्ही इन्श्युअरिंग करताना भरावयाची प्रीमियम रक्कम कॅल्क्युलेट करणे निवडू शकता.
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 |
|---|---|---|---|---|---|---|
| यासाठी समर्पकः | 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 |
| घरगुती सामग्रीचे कव्हर | 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 | नुकसानभरपाई बेसिस | नुकसानभरपाई बेसिस | नुकसानभरपाई बेसिस |
| Jewellery And Valuables, Curios, Art And Paintings | पर्यायी कव्हर | पर्यायी कव्हर | पर्यायी कव्हर | पर्यायी कव्हर | पर्यायी कव्हर | पर्यायी कव्हर |
| पर्यायी निवास आणि ब्रोकरेजसाठी भाडे | कव्हर्ड नसलेले | Covered up to specified limits | कव्हर्ड नसलेले | Covered up to specified limits | Covered up to specified limits | Covered up to specified limits |
| Emergency Purchases Up To INR 20,000 | कव्हर्ड नसलेले | कव्हर्ड | कव्हर्ड | कव्हर्ड नसलेले | कव्हर्ड | कव्हर्ड |
Factors That Determine Your Home Insurance Premium
अनेक घटक तुमच्या होम इन्श्युरन्स प्रीमियमचा अंतिम खर्च दर्शवतात. तुम्ही नवीन घरमालक असाल किंवा तुमच्या पूर्वजनिती घरासाठी प्रीमियम मिळवत असाल; तुम्ही उंच ठिकाणी किंवा तटवळीला राहत असाल; तुम्ही कला संकलक असाल किंवा गॅजेट फ्रीक असाल; या सर्व गोष्टी तुमचे प्रीमियम मोजताना विचारात घेतल्या जातात.
लोकेशन
प्राईम लोकेशनवर तयार केलेल्या घरांसाठी जास्त इन्श्युरन्स प्रीमियम असतो. प्राईम लोकेशन शाळा, रुग्णालये इत्यादींच्या समीपतेद्वारे परिभाषित केले जाऊ शकते, त्याचे कनेक्टिव्हिटी आणि इतर गोष्टींसह जमीन रेट. इन्श्युरन्स प्रीमियमचा दर निर्धारित करणारा आणखी एक घटक हा नैसर्गिक आपत्तींचा धोका आहे. जोखीम अधिक असल्यास, प्रीमियम जास्त असते.
वय आणि बांधकाम साहित्य
जसे वृद्ध शरीर आजारांसाठी अधिक असुरक्षित असते, त्याचप्रमाणे वृद्ध घराला नुकसान होण्याची अधिक शक्यता असते, ज्यामुळे प्रीमियमची रक्कम वाढते. वय व्यतिरिक्त, घर बांधण्यासाठी वापरल्या जाणार्या साहित्याचा प्रीमियमच्या रकमेवर देखील परिणाम होतो.
तुमच्या घरातील सामग्री
तुमच्या प्रीमियमची किंमत निर्धारित करताना केवळ घरच नाही तर घरातील सामग्री देखील महत्त्वाची ठरते. जर तुमचे घर महागड्या पेंटिंग्स आणि शिल्पांनी सजलेले असेल किंवा तुमच्या लॉकरमध्ये सोन्याचे आणि हिर्याचे दागिने ठेवलेले असतील, तर ते तुमच्या होम इन्श्युरन्स प्रीमियमचे मूल्य वाढवू शकते.
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.
भाड्याने घेतलेल्या प्रॉपर्टीसाठी प्रीमियमची गणना करणे
केवळ सामग्रीसाठी संरक्षण आवश्यक असलेल्या भाड्याच्या प्रॉपर्टीसाठी प्रीमियमची गणना करताना, तुम्हाला फक्त तुमच्या वस्तू आणि दागिन्यांच्या एकूण किंमती मोजणे आवश्यक आहे. हे कॅल्क्युलेटर तुम्हाला सेकंदामध्ये परिणाम देईल.
मालकीच्या प्रॉपर्टीसाठी प्रीमियमची गणना करणे
मालकीच्या प्रॉपर्टीसाठी प्रीमियमची गणना थोड्या वेगळ्या पध्दतीने केली जाते. मालकीच्या मालमत्तेसह, संरचना आणि त्यातील सामग्री दोन्हीचा विचार केला जातो. तुम्हाला भरावे लागेल:
- The variant chosen for structural cover – Agreed Value, Reinstatement Value, Indemnity Basis
- Value of jewellery or house contents
- या तपशील शिवाय, गणना करताना तुम्हाला तुमची वैयक्तिक माहिती जसे नाव, मोबाईल नंबर आणि ईमेल आयडी प्रदान करणे आवश्यक आहे.
बिल्डिंग, आणि त्याची सामग्री किंवा दोन्हीसाठी इन्श्युरन्स करतांना प्रीमियम शोधतात
आमचे होम इन्शुरन्स प्रीमियम कॅल्क्युलेटर तुम्हाला तुमच्या प्रॉपर्टीवर लागू असलेल्या प्रीमियमचा सर्वसमावेशक व्ह्यू देते. तुम्ही बिल्डिंग किंवा त्याची सामग्री किंवा दोन्ही इन्श्युअरिंग करताना भरावयाची प्रीमियम रक्कम कॅल्क्युलेट करणे निवडू शकता.
पॉलिसी डॉक्युमेंट्स डाउनलोड करा
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?
- आपल्या घराला आग, घरफोडी आणि नैसर्गिक आपत्तीमुळे होणाऱ्या नुकसानाचे संरक्षण समाविष्ट
- दागिने, मौल्यवान वस्तू आणि कलाकृतींचे संरक्षण
- 1 ते 5 वर्ष कालावधीच्या कव्हरेजचे पर्याय
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
खरेदी कसे करावे
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1
Visit Bajaj General website
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2
वैयक्तिक तपशील प्रविष्ट करा
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3
Compare home insurance plans
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4
Select suitable coverage
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5
Check discounts & offers
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6
Add optional benefits
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7
Proceed to secure payment
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8
Receive instant policy confirmation
How to Renew
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1
Login to the app
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2
Enter your current policy details
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3
Review and update coverage if required
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4
Check for renewal offers
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5
Add or remove riders
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6
Confirm details and proceed
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7
Complete renewal payment online
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8
Receive instant confirmation for your policy renewal
How to Claim
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1
Notify Bajaj General about the claim using app
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2
Submit all the required documents
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3
Choose cashless or reimbursement mode for your claim
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4
Avail treatment and share required bills
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5
Receive claim settlement after approval
How to Port
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1
Check eligibility for porting
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2
Compare new policy benefits
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3
Apply before your current policy expires
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4
Provide details of your existing policy
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5
Undergo risk assessment by Bajaj General
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6
Receive approval from Bajaj General
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7
Pay the premium for your new policy
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8
Receive policy documents & coverage details
Quick Links
Diverse more policies for different needs
इन्श्युरन्स समझो
क्रिटिकल इलनेस इन्श्युरन्स
Health Claim by Direct Click
वैयक्तिक अपघात पॉलिसी
ग्लोबल पर्सनल गार्ड पॉलिसी
Claim Motor On The Spot
Two-Wheeler Long Term Policy
24x7 रोडसाईड/स्पॉट असिस्टन्स
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Caringly Yours (Motor Insurance)
ट्रॅव्हल इन्श्युरन्स क्लेम्स
कॅशलेस क्लेम
24x7 Missed Facility
ट्रॅव्हल इन्श्युरन्स क्लेम दाखल करणे
My Home–All Risk Policy
होम इन्श्युरन्स क्लेम प्रोसेस
होम इन्श्युरन्स सुलभ
होम इन्श्युरन्स कव्हर
Explore our articles
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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
मदनमोहन गोविंदाराजुलु
चेन्नई
11th Apr 2019
सोयीस्कर
Very user-friendly and convenient. Appreciate the Bajaj General team a lot.
पायल नायक
पुणे
15th Mar 2019
किफायतशीर
Very nice service with an affordable premium for travel insurance.
किंजल बोघारा
मुंबई
5th Mar 2019
User Friendly
Quick, easy, and user-friendly process to buy travel insurance.
अभिजीत डोईफोडे
पुणे
6th Feb 2019
कस्टमर सपोर्ट
Very prompt and professional service. I am pleased with the customer service team at Bajaj General.
उषाबेन पिपालिया
अहमदाबाद
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.
परोमिक भट्टाचार्य
कोलकाता
25th Dec 2018
FAQs
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!
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