The home you built, safe from flood, fire and theft.
Kosi and Mahananda floods hit Seemanchal often. Home insurance protects the building and everything inside for a small yearly cost.
Approx. cost per ₹1,000 cover per year
Long-term cover available
Building and belongings
In simple words
Home insurance pays to repair or rebuild your house, and to replace your furniture, TV, fridge and jewellery if they are damaged or stolen.
Pick what to protect
Structure only
Walls, roof, floors and fittings.
Contents only
For tenants. Furniture, appliances and valuables.
Structure + contents
Complete peace of mind for owners.
Jewellery cover
Gold and valuables, even outside the home.
What is covered, and what is not
Covered
- Flood and storm damage
- Fire and short circuit
- Earthquake
- Burglary and theft
- Damage to furniture and electronics
- Rent for a temporary home while repairs happen
Not covered
- Damage from poor maintenance
- Unoccupied house for long periods
- War and nuclear risks
- Gradual wear and tear
Common questions
Yes. A contents-only policy covers your belongings, even if you do not own the house.
How a claim works with us
- 1
Inform us within 24 hours
- 2
Share photos and a list of losses
- 3
Surveyor visits your home
- 4
Payment for repairs or replacement
SP tip: Bharat Griha Raksha, the standard IRDAI home policy, covers flood and earthquake by default. Ask us to check yours.
Talk to a real person in Purnia, free.
We compare insurers for you and help at claim time, at no extra cost.