HDFC ERGO
My Home Insurance
₹3,840/yr · ₹50 L
- Claim ratio
- 94.8%
- Settlement basis
- Reinstatement
- Building + contents combined
- Burglary & theft covered
- Natural calamities: flood, quake, cyclone
Home insuranceProtect everything
Protect everything
inside your walls — and out.
From fire to floods to burglary — one policy covers your structure, contents, and everything in between. Compare 12 insurers in 60 seconds. Starts at ₹680/yr.
12+
Insurers compared
₹680
Starting premium / yr
48h
Average claim settlement
Standard perils covered
Fire & explosion
Flood & cyclone
Earthquake
Burglary & theft
Water damage
Terrorism (RSMD)
Cover shapes
Pick the right shape of home cover.
Owners and renters need different policies. Here are the four cover shapes we compare — each built for a specific scenario.
Structure cover
Fire, earthquake, flood, cyclone — the bricks and mortar.
Home owners
from ₹899/yr
Most popular
Contents cover
Furniture, electronics, appliances, jewellery inside your home.
Renters + owners
from ₹1,240/yr
Combined (building + contents)
Full protection — structure and belongings under one policy.
Best for home owners
from ₹1,890/yr
Tenant cover
Belongings + liability cover designed for renters.
Renters only
from ₹680/yr
Top picks
Featured combined plans.
Three standouts for a 2BHK flat in Bengaluru · ₹50L building + contents cover. Prices recomputed live at quote.
Best value
Bajaj Allianz
Home Insurance Plus
₹4,200/yr · ₹50 L
- Claim ratio
- 93.5%
- Settlement basis
- Market value
- Jewellery + valuables rider
- Electrical breakdown cover
- 24×7 emergency support
ICICI Lombard
Home Protect
₹5,100/yr · ₹50 L
- Claim ratio
- 95.2%
- Settlement basis
- Reinstatement
- Portable electronics worldwide
- Rent loss for 6 months
- Terrorism + RSMD included
Common questions.
What is the difference between market value and reinstatement value?
Market value deducts depreciation — so an older building gets a smaller payout. Reinstatement value pays you the current cost to rebuild, regardless of age. Always prefer reinstatement.
Does home insurance cover rented properties?
Yes, but only contents — you cannot insure a structure you don't own. Renters can get a dedicated tenant cover that insures their belongings plus personal liability.
Is flood covered automatically?
Standard policies in India do cover STFI (storm, tempest, flood, inundation) as a peril. Read the exclusions — some limit cover in high-risk flood zones unless explicitly included.
What is "reinstatement value" for contents?
It pays the cost to buy the same or similar item new. Without it, a 5-year-old laptop might only get ₹8,000 in a claim even though you paid ₹60,000.
Ready to protect your home?
60 seconds of questions, 12 insurers, reinstatement-value settlement. Your home, covered.
Start my home insurance quote