Home Insurance
Protection for your home and insured belongings against covered risks.
How we help
Home insurance covers the structure of your house, the belongings inside it, or both, against the events listed in the policy, such as fire, flood, earthquake and burglary.
We help you set a sum insured that reflects the cost of rebuilding and of replacing contents, because under-insuring can reduce what a claim pays.
Owners and tenants need different cover. We explain what each policy includes and what it excludes before you choose.
What it covers
- Building cover where selected
- Contents cover where selected
- Policy-specific exclusions apply
Coverage, exclusions, and claim conditions depend on the policy and insurer.
Before you decide
Points to check
- 01A sum insured based on the cost of rebuilding, not the market price of the property
- 02A list of the contents you want covered, with their values
- 03The events covered and the ones excluded
- 04Whether you need an owner's policy or a tenant's
- 05The documents a claim will require
Common questions
What people ask us about Home Insurance
Does home insurance cover the value of the land?
No. Cover is for the structure and, if selected, its contents. The land is not damaged by the events a policy covers, so it is not insured.
I rent my home. Can I still buy cover?
Yes. Tenants can insure their contents and belongings. Insuring the structure is the owner's responsibility.
Are jewellery and valuables covered?
Usually only when declared and valued separately, and sometimes up to a limit. We check the policy wording with you.
More in GIC – General Insurance Products
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- Motor InsuranceInsurance protection for cars and two-wheelers against covered risks.Learn more
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- Hospital CashA fixed daily amount for each day of hospitalisation, subject to the selected policy.Learn more
- Personal Accident InsuranceFinancial protection against death or disability caused by an accident, subject to the selected policy.Learn more
- Travel InsuranceTravel protection for eligible medical emergencies and other covered travel-related risks.Learn more
- Fire & Property InsuranceProtection for commercial and industrial property against fire and other listed perils.Learn more
- Marine InsuranceProtection for goods in transit by sea, road, rail or air against covered losses.Learn more
- Shopkeeper InsuranceA combined policy protecting a shop's stock, premises and related risks, subject to the selected cover.Learn more
- Cyber InsuranceProtection for businesses and individuals against losses from cyber incidents, subject to the selected policy.Learn more
- Employee Compensation InsuranceCover for an employer's liability to compensate employees for injury or death at work, as per the law.Learn more
- Group Health InsuranceHealth cover arranged by an employer or organisation for its members, subject to scheme terms.Learn more
- Burglary InsuranceCover for loss of or damage to property from burglary or housebreaking, subject to policy terms.Learn more
- Professional Indemnity InsuranceCover for claims by clients arising from errors or negligence in professional services, subject to the selected policy.Learn more
Shree Sai Insurance is the practice of Amit Dhirajlal Waghela, an AMFI-registered mutual fund distributor (ARN-166386), not a SEBI-registered investment adviser. The firm earns commission from asset management companies on the schemes it distributes, does not charge a fee for distribution, and does not guarantee returns. Insurance is offered separately from the mutual fund distribution business. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.