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Home Insurance

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Key Features

  • Covers your home against loss from fire, burglary and natural calamities
  • Covers the contents of your home, including portable equipment
  • Cover for jewellery, valuables, works of art
  • Useful add-ons to customise your policy for total protection

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  I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to
contact me. It will override my registry on the DNCR. Read more

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Home Insurance

My Home Insurance Cover - Complete Protection for your Home

Your home is your most valuable possession and you do everything to protect it. Go a step further and give your home the best possible protection from unforeseen events with our My Home Insurance plan.

At Bajaj Allianz, we understand that whatever be the market value of your house, it is invaluable. That's why we bring you a comprehensive home insurance cover - My Home Insurance All Risk Policy which will protect not only your home, but also the belongings inside it, against risks like fire, burglary and natural calamities.

Why Home Insurance?

Home Insurance

Key Benefits of Home Insurance

  • Provides complete protection for property, contents, and interests of the insured and their family members in a single policy
  • Covers your home against loss from fire, burglary and natural calamities
  • Covers the contents of your home, including portable equipment
  • Cover for jewellery, valuables, works of art
  • Additional benefit of rent for alternate accommodation*
  • Useful add-ons to customise your policy for total protection
  • Several home insurance plan types with various coverage options for you to choose from
  • Option to insure either the flat/apartment/building only, or contents only, or both
  • Affordable premium and attractive rebates
*Available under specific My Home Insurance plans

Coverages Under Home Insurance

  • Loss or damage to content: Furniture, Fixtures, Fittings, Cupboards Including Inbuilt Cupboards, Electrical Fittings, Sanitary Fittings ,Electrical and Electronic Appliances, Crockery, Cutlery, Steel Utensils, Clothing and Personal Effects, Drapery, Pedal Cycles , other Household Articles not older than 10 years whilst stored or lying in your "Building"
  • Loss or damage to portable equipment anywhere in India: We will indemnify you in respect of the accidental loss of or damage to "Portable Equipment" anywhere in India. However, on payment of Additional Premium the coverage for "Portable Equipment" may be extended to Worldwid
  • Loss or damage to Jewellery and Valuables: We will indemnify you in respect of the accidental loss of or damage to "Jewellery and Valuables" anywhere in India. However, on payment of Additional Premium the coverage for "Jewellery and Valuables" may be extended to Worldwide.
  • Loss of or damage to "Curios, Works of Art and Paintings" whilst stored or lying in your Building: We will indemnify you in respect of the accidental loss of or damage to "Curios, Works of Art and Paintings" whilst stored or lying in your Building.

My Home Insurance Covers

Our My Home insurance policy comes with some great add-on covers*, offering you complete protection! They are as follows:

  • Loss of rent cover
  • Temporary resettlement cover
  • Keys and locks replacement cover
  • ATM withdrawal robbery cover
  • Lost wallet cover
  • Dog insurance cover
  • Public liability cover
  • Employees compensation cover

*For more information on what these covers entail, check out our slideshare here!

My Home Insurance - Add-on Covers

Home Insurance - Add on Covers

Exclusions

Our My Home Insurance policy does not cover loss or damage to the property by or due to or arising from:

  • Misrepresentation, mis-description, or non-disclosure of any material information
  • Damage which is pre-existing in nature (applicable to contents and building)
  • Manufacturing defects in electrical, mechanical, and electronic items
  • Any flat/apartment/independent building which is more than 30 years old and which is of kutcha construction
  • Contents and valuables of a flat/apartment/independent which is not occupied by a tenant for residential purpose

To know more information please refer to the brochure in the tools section.

Disclaimer: The above exclusions are indicative in nature, for detail exclusions please refer to the policy wordings

My Home Insurance Plans


  BUILDING (STRUCTURE)
My Home Insurance
- All Risk Policy
Agreed Value Basis
(Flat/ Apartment)
Reinstatement Value Basis
(Flat / Apartment / Independent Building)
Indemnity Basis
(Flat / Apartment / Independent Building)
New For Old Basis (Excluding Jewellery and Valuables, Painting, Works of Arts and Curios) PLATINUM PLAN -I
Flat/Apartment - Agreed Value Basis + Contents - New For Old
(For Contents Up to 5 Years)
DIAMOND PLAN -I
Flat/Apartment/Building - Reinstatement Value Basis + Contents - New for Old
(For Contents Up to 5 Years)
GOLD PLAN -I
Flat/Apartment/Building - Reinstatement Value Basis + Contents - New for Old
(For Contents Up to 5 Years)
Indemnity Basis
(Excluding Jewellery and Valuables)
PLATINUM PLAN -II
Flat/Apartment - Agreed Value Basis + Contents - Indemnity Basis
DIAMOND PLAN -II
Flat/Apartment/Building - Reinstatement Value Basis + Contents - Indemnity Basis
GOLD PLAN -II
Flat/Apartment/Building - Indemnity Basis + Contents - Indemnity Basis
Portable Equipments Coverage Inbuilt Coverage : India
Coverage Extension On Payment of Additional Premium :Worldwide
Inbuilt Coverage : India
Coverage Extension On Payment of Additional Premium :Worldwide
Inbuilt Coverage : India
Coverage Extension On Payment of Additional Premium :Worldwide
Jewellery and Valuables For Jewellery & Valuables:
Inbuilt Coverage
: India
Coverage Extension On Payment of Additional Premium :Worldwide
For Jewellery & Valuables:
Inbuilt Coverage
: India
Coverage Extension On Payment of Additional Premium :Worldwide
For Jewellery & Valuables:
Inbuilt Coverage
: India
Coverage Extension On Payment of Additional Premium :Worldwide
Rent for Alternate Accommodation 0.5% of the Flat/Apartment Sum Insured or actual rent which ever is less subject to a maximum of '50,000/- per month for the period until the Completion of Reconstruction or 24 months which ever is less 0.3% of the "Building" Sum Insured or actual rent which ever is less subject to a maximum of '35,000/- per month for the period until the Completion of Reconstruction or 24 months which ever is less -
OPTIONS TO INSURE Insured has the Option to insure either Flat/ Apartment Only OR Contents Only OR Both Insured has the Option to insure either Flat/ Apartment/Independent Building Only OR Contents Only OR Both. Insured has the Option to insure either Flat/ Apartment/Independent Building Only OR Contents Only OR Both.
OPTIONS FOR POLICY PERIOD 1 Year
2 Years
3 Years
1 Year
2 Years
3 Years
1 Year
2 Years
3 Years
ADD ON COVER FOR ALL PLANS 1. Loss of Rent
2. Temporary Resettlement Cover
3. Keys & Locks Replacement Cover
4. ATM withdrawal Robbery Cover
5. Lost Wallet Cover
6. Dog Insurance Cover
7. Public Liability Cover
8. Employee's Compensation Cover
1. Loss of Rent
2. Temporary Resettlement Cover
3. Keys & Locks Replacement Cover
4. ATM withdrawal Robbery Cover
5. Lost Wallet Cover
6. Dog Insurance Cover
7. Public Liability Cover
8. Employee's Compensation Cover
1. Loss of Rent
2. Temporary Resettlement Cover
3. Keys & Locks Replacement Cover
4. ATM withdrawal Robbery Cover
5. Lost Wallet Cover
6. Dog Insurance Cover
7. Public Liability Cover
8. Employee's Compensation Cover
Note: Standalone Cover for Jewellery & Valuables and /Or Curios, Paintings & Work of Arts cannot be Opted unless Contents are Insured.

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