Home Insurance
Find Your Perfect Home Insurance Coverage
A home is a place where you belong, an abode where you feel safe. There are many ways to safeguard your home, such as locks, sprinkler systems, fire extinguishers, CCTV cameras, and much more. However, the ultimate blanket of protection is home insurance. In case of any damage or loss to your property, you would feel more at ease knowing that your house is insured, and it would also spare your wallet from a significant financial shock. Here are few primary reasons why you need a home insurance in India -
Protection from Natural Calamities : There have been increased instances of flooding, earthquake, storm in our cities that have caused damages to many homes. The best way to protect your home from financial impact of these natural calamities is a home insurance policy.
Protection from Man-Made Calamities : Protect your home from all kind of man-made calamities including robbery, riots, malicious activities, theft & burglary.
Protecting the contents of your home: The gadget you carefully pick out, any art that adorns the walls, the television your family gathers around – protect them all with a home insurance plan.
Protect you against Personal Accidents: Home Insurance also provide personal accident coverage in case injuries occurred while on the insured home.
All in One Home Protector policy is a one-stop solution for your home and its belongings. Its comprehensive protection plan for household assets, interests, liability as well as for self, family members and domestic employees.
Insured can be Home owners, tenants or students
Jewellery items kept at home as well as in Bank locker are covered
Accidental Damage for contents covered
Option to cover pets
Covers personal liability worldwide
Depreciation will not be charged for claims related to electronic items.
Fine Arts Cover can be included
A home insurance plan acts as a shield, safeguarding your home and its content from any accidents. It gives complete protection to one’s home against a wide range of risk & perils.
Pre-underwritten product
Pre-defined packages
Option to choose preferred Sum Insured
Coverage against natural calamities like fire, explosion earthquake, flood, etc.
Coverage against man made calamities like robbery, dacoity, riots, strike, etc.
Covers accidental damage for you and other named members of the residence
Coverage to Personal Computer & TV
All the insurance companies have been mandated by the Indian Regulatory and Development Authority of India (IRDAI) to offer Bharat Griha Raksha, a basic home insurance plan.
Key Features
10% escalation on basis sum insured
Policy will be on Reinstatement value basis
Home structure & its content covered for up to 10 years
No underinsure is applicable
Flexi Home Protector Insurance is a customizable home insurance policy designed to offer protection for your home building and its contents against various unforeseen events.
Key Features
Home is where the heart is and securing your house from adversities beyond one’s control becomes crucial. That’s why one should protect it with a good home insurance plan, which provides coverage for your assets, interests, liabilities, and yourself. Choose a plan that offers complete coverage for your home and puts your worries to rest.
Home Insurance from IFFCO Tokio ensures the safety of your home and belongings, offering comprehensive protection from unforeseen events that can cause damage. Here are some of the benefits of insuring your home through us:
Secure your home today with low-cost premium.
A complete coverage plan for your house with up to ₹ 3 crore cover and choice of add-ons to maximize your home’s safety.
Our home insurance plans offer coverage for your valuable possessions covering both individual home owners as well as the tenants.
Our policies can be purchased/renewed from more than 20,000 agents and branches throughout the country.
Once your payment is processed, you get immediate access to your policy without any delays.
Experience hassle-free claim settlement with IFFCO Tokio Home Insurance Plans.
With a few clicks, get all the information of your claim settlement online.
Buy Home Insurance Policy Online
IFFCO Tokio's home insurance policy provides comprehensive coverage for your home and personal property, inside and out, encompassing both the structure of your home and its belongings. This includes the option to include coverage for expensive gadgets, home appliances, and other valuable belongings.
Our home insurance offers thorough protection against unforeseen events that may damage your home, ensuring peace of mind. With our comprehensive plan, we safeguard your assets, interests, liabilities, and yourself against all manmade and natural calamities. Let’s explore these in bit more details:
Protection against the damage caused due to natural calamities like -
Protection against the damage caused due to manmade calamities like –
*Kindly note that you can also include add-ons to tailor a plan to cover your needs better.
Exclusions: What is Not Covered by Our Home Insurance Plan?
Pre-existing damages: Any existing damage, injury, disease or illness occurring before the cover commences under the home insurance policy.
War: Damage as a consequence of war, invasion, the act of a foreign enemy, hostilities, civil war, rebellion, revolution, etc.
Legal confiscation: Any damage due to confiscation, commandeering, requisition or destruction by order of any government or lawfully constituted authority.
Nuclear damage: Any damage directly or indirectly caused by, contributed to, or arising from ionizing radiation or contamination by radioactivity.
Wear and tear: Damage caused by general wear and tear or gradual deterioration is not covered by home insurance.
Choose from a range of add-on covers to increase the protection of your plan.
Fixed Glass & Sanitary Fittings- In the event of accidental damage to the fixed glass or sanitary fittings in your home, you can get this covered as an Add-on in your home insurance plan.
Baggage- If your baggage is lost or get damaged due to accident or any other mishap, you can get this covered additionally in your plan.
Electronic Equipment- You can choose to get your electronics covered under the policy to reduce your financial liability in case of any damage.
Loan Payment Protection- In case of an accident or any unfortunate event, if the insured person losses his/her life or becomes disabled, you can get covered for such a loss with this Add-on.
Buy Home Insurance Policy Online
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You can register a claim via following options:
Telephonic (Call Centre)
Online (Website)
Walk-In
SMS
Let’s check these steps in detail –
A claim can be raised online in three easy steps:
Intimation -Intimate your claim by any of the method suggested above.
Survey -A survey would be conducted to analyse the damage to the property.
Claim Settlement -Claim settlement process would be initiated.
Intimate
Survey & Verify
Settle
Buy Home Insurance Policy Online
A Home Insurance plan is an added layer of security for your home, safeguarding both your house and its belongings from any financial loss that may occur due to natural calamities like floods, earthquakes, fires, or man-made occurrences like theft or burglary. A home is not just a building but also an investment, and protecting it from unexpected events beyond your control becomes a significant responsibility.
IFFCO-Tokio’s Home Insurance plans act as a shield for your home, providing coverage for your house and its contents, along with add-ons, so that you don’t miss out on anything.
Your home is not only built by your hard-earned money, but also with your emotions. Considering the fact that you’ve invested a lot of time and effort into buying and making a space of your own, it makes sense to de-risk it from unfortunate events with the help of a good insurance policy. IFFCO Tokio offers a comprehensive plan to secure your home from any risk or damage which may arise in the future. If you are a homeowner, you can buy a house insurance policy to protect your home and its belongings.
You have every right to purchase a home insurance plan, even if you live in a rented place. The living space itself might not be yours, but the contents like paintings, appliances, artefacts and other valuables which gives your unique touch to the place, can be covered under the home insurance plan. You can also protect your liability against any damage. Having a good insurance plan will give you peace of mind and assurance that your belongings are being taken care of.
You can drop by your nearest IFFCO-Tokio General Insurance Co. Ltd. branch to buy a house insurance policy. We can guide you through the different types of plans available and how to best protect your home.
You can also buy home insurance online. Just visit our website, fill some simple details, choose the coverage you want, and make the payment. The policy will be issued to you instantly and coverage will begin immediately!
While you can visit our nearest branch to purchase a house insurance, you can get the convenience of buying the same in the comfort of your home too.
Easy Process- You can purchase the most suitable home insurance plan in just 3 simple steps. Fill in your details, select the coverage plan and make the payment.
Saves Time- With a few clicks, you can get a coverage plan for your property and its belongings, without visiting a branch in-person.
Customization- You can enhance your home insurance plan with Add-ons and customise the coverage which best suits your needs.
Instant Policy- Once your payment is done, you get access to your policy documents the very same moment so that you don’t have to wait for any physical documents to arrive.
Convenient- You can purchase a home insurance plan without any time restrictions. You can access your policy at any hour of the day or night.
Safe Process- Required online safety protocols are followed to avoid the risk of any fraudulent activity.
Expert Advice- Our experts are available to guide you through your journey and are happy to answer all your home insurance related queries.
Our home is a valuable asset and that’s why we look at dozens of options before finding a property to hang the name board on. So, to choose the right coverage which guards our abode is an important decision and should be taken after thorough evaluation. Let’s have a look at some of the factors which should be considered before you choose your home insurance coverage plan:
Complete cover: Look for home insurance that covers both the structure and the contents of your home. This way you get comprehensive protection for your home.
Type of cover : Basis of claim settlement can be a vital factor before deciding a Home Insurance.
Claim Settlement : You should also compare home insurance in India based on Insurance Company’s repute and claim settlement record.
Right add-ons : Our home insurance plans come with several add-on options. You can pick and choose the right add-ons to widen the coverage of your plan and ensure the best coverage for your home.
Terms and conditions : Lastly, do not forget to read the terms and conditions. It might not make for light reading but you should clear up any doubts that you have about the policy wordings before buy home insurance in India.
Owner of flat or apartment- It takes a lot to build your own house and to protect it from any unforeseen occurrences, becomes a major responsibility. But we’ve got you covered. With IFFCO-Tokio’s home insurance plans you can protect your space without any second thought.
Tenant- Being a tenant or a non-owner, you can still insure your valuables (electronic gadgets, artefacts, jewellery) and protect yourself from bearing losses due to accidents.
Residential Society- A housing society can be insured by IFFCO-Tokio's home insurance policy. Any member of the society may acquire a policy that would protect the common premises.
The location of your home- A house which is located in a safer area is likely to have a lower premium than the one which is situated in an area which is prone to adversities.
The size of your home- The carpet area of your house decides the premium you pay. The greater the area, more would be the premium on your coverage.
The type of coverage plan- The premium payable largely depends on the type of coverage you opt for. IFFCO-Tokio offers a wide range of plans for you, from securing just the building to having a comprehensive home insurance plan which covers the home structure along with the contents of the building.
The safety measures in use- If a house considers enough precautions which minimizes the risk of having a loss or any damage to the property − like having security cameras and fire alarms in place would help in lowering the premium amount.
Home structure- Our insurance plans offer protection for your home’s structure. Any kind of natural or man-made mishap which causes damage to your property is covered under the home insurance plan. The coverage may depend on the type of plan and add-ons which you choose.
Your home insurance premium depends on a number of factors. Having the right insurance plan for your home can help you save money on the premium.
Raise your deductibles- Sharing your liability with the insurer can lower your premium amount. When you choose to compensate for the loss before your insurer pays for the claim, it saves you on the cost of premium.
Choose a bundle plan- If you choose to buy two or more policies from the same insurer, you might be eligible for a discount on such bundle policies.
Enhance your home’s security- Your insurer may offer you discount on the premium if you have good safety equipment’s in place. Such measures reduce the extent of damage that may happen in the face of adversity.
Raising a claim wisely- One should avoid filing for claims for small damages which can be easily borne by your pocket. A home insurance plan is meant to protect you from huge financial blows, so it is advisable to raise a claim when required the most. If you remain claim-free for a few years, you might get eligible for a discount on your premium.
Carpet area- The net usable floor area of your home’s main building unit, including the area covered by the internal partition walls but excludes the area covered by the external walls, areas under services shafts, exclusive balcony or verandah area and exclusive open terrace area.
Home contents- It includes all those items which add value to your home. Home contents include general contents (electronics, furniture, kitchen equipment etc.) and valuable contents (jewellery, paintings, silverware, antique items etc.).
Premium- It is the amount you pay to enjoy the benefits of your insurance plan.
Coverage- It accounts for the financial security which your preferred plan would offer.
Deductible- When an insurable event occurs, certain amount needs to be paid from your pocket and the rest of the loss is covered by your insurer. This amount is called ‘Deductible’.
Add-ons- Add-ons are the additional protection you can choose to have over and above on your basic home insurance cover.
