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Cheap Home Insurance Plans

If your heart, comfort and happiness, all have one address – home, then you’re blessed, and we hope that never changes. After all, your home is where you experience the most wonderful things throughout your life. It’s where you put down your guard, feel the safest, spend time with people who matter the most to you and build a lifetime of memories.

A price cannot be put on any of these precious things. But the fact that you’ve invested a lion’s share of your savings in to your house, and some more to fill it with things that can make it a home, can’t be ignored either.

Financially protecting your house is just as important as protecting its sanctity and while we won’t be of much help when it comes to the latter, we have just the tool to help with the financial protection. Yes, Home Insurance, it is.

While your home was a major investment, insuring it doesn’t need to be one. We, at Bajaj Allianz, have designed our Home Insurance Plans in a way that they offer you a holistic cover while being affordable. Rather than emphasizing ‘cheap home insurance plans,’ Bajaj Allianz offers you balanced solutions that let you live life with confidence!

What is Cheap Home Insurance?

When you started driving, you must have received a lot of advice; one of the most common being to be careful and to look out for the obstacles on the road.

It is what your neighbours and co-workers may brag about getting and urge you to get too. It’s also what you must absolutely stay away from. Trust us, we say this for your benefit. That’s because cheap Home Insurance defeats the very purpose of getting Insurance in the first place; it fails to protect you.

Picture this: A natural calamity strikes and ends up heavily damaging your house. You don’t panic, and why must you? You have Home Insurance, after all! But at the time of making a claim, you realize that the amount does not even cover 20% of the damages and you have to bear virtually the whole cost of repairs and reconstruction.

That’s a situation you don’t want to be in, especially when you are investing in Home Insurance. The lesser you pay, the lesser coverage you get and the lesser its helpfulness during your time of need.

While hunting for a bargain is a fine art and the internet just widens the options available for cheap home insurance exponentially, any decision to buy must be based on a balanced risk assessment. Only looking at the cost angle is essentially denying yourself the very thing you’ve invested in Home Insurance for- peace of mind.

Summing up, a comprehensive Home Insurance Policy (at premiums that you can afford) is the best way to go about it, as it guarantees sufficient coverage when you might need it the most.

Is there a way i can lower my premiums?

Yes, of course. While we advise you to stay away from ‘cheap’ Home Insurance, we know that the more affordable it is, the better. So, hear us out: You don’t have to compromise on the coverage and neither do you have to pay unnecessarily high premiums. Listed below are a few helpful ways in which you can balance it out:
Step Up the Voluntary Excess

Step Up the Voluntary Excess

When you’re buying the policy, voluntary excess or deductible is the amount you agree to pay from your own pocket at the time of making a claim before your Insurer takes over. Read more

When you’re buying the policy, voluntary excess or deductible is the amount you agree to pay from your own pocket at the time of making a claim before your Insurer takes over. Now, here’s the catch: The higher the voluntary excess, the lower is the premium.

This is a good way to lower your premium payments. However, you want to maintain a balance and not opt for an extremely high voluntary excess amount because you don’t want that to become a burden you can’t bear while making a claim.

Don’t Play the Guessing Game

Don’t Play the Guessing Game

Don’t just take a shot in the dark when it comes to insuring your home. Read more

Don’t just take a shot in the dark when it comes to insuring your home. You need to know exactly what your house is worth so that you don’t end up dangerously under-insuring it or unnecessarily over-insuring it.

Assess the total value of the contents right. The same principle applies when it comes to insuring the structure as well. The expenses for rebuilding your property will, in all likelihood, be lower than what went into building it in the first place.

There are several online valuation tools that you can use and if those don’t seem convincing, you can look at hiring a professional appraiser, though that isn’t always necessary.

Avoid Unnecessary Add-ons

Avoid Unnecessary Add-ons

Just like you’d avoid eggs if you don’t eat them, you should avoid add-on covers if you don’t need them. Read more

Just like you’d avoid eggs if you don’t eat them, you should avoid add-on covers if you don’t need them. For instance, our Dog Insurance add-on cover is very useful for those with pet dogs but would be of practically no use to you if you don’t have a pet.

While add-ons provide a more comprehensive cover, they also increase your premium. So, you should be very careful while opting for those and choose only the ones that would be useful for you.

Install the Right Alarms and Other Fittings

Install the Right Alarms and Other Fittings

Undoubtedly, this is one of the best bets for discounted premiums on Home Insurance. Read more

Undoubtedly, this is one of the best bets for discounted premiums on Home Insurance. With all the right fittings in your house (burglar alarms, smoke/fire alarms, safety locks and efficient security service, for that matter), you’d be upping your eligibility manifold for the best Home Insurance quotes.

Benefits of Bajaj Allianz home insurance

While offering a Home Insurance Policy that is affordable, we also make sure to offer you not just a comprehensive cover but also a plethora of other benefits. Unlike cheap Home Insurance plans, our solutions offer:

  • Complete protection for your house property and all the contents in it that makes it a home

  • Portable equipment, like laptop, are covered not only in your home but worldwide

  • Cover against loss from burglary and theft

  • Natural and man-made calamities have nothing on your house financially, for our Home Insurance protects it from it all

  • No more worrying about having precious things like jewellery, works of art and valuables in your home anymore because we cover them too

  • In case you have to relocate temporarily due to a peril, we’ve got the rent for alternate accommodation covered, as an add-on

  • Not only do we offer attractive rebates and affordable premium options, but you can also avail a savings of up to 20 % on your total premium

  • You need Home Insurance the most when not at home to watch over it and hence our services are enabled even when you’re away on a trip

  • You can opt for various add-on covers, from public liability cover to lost wallet cover, to equip your Home Insurance Policy with a more comprehensive cover

  • You can opt for your Home Insurance Policy for up to 3 years, making your policy purchase hassle-free

Download Cheap Home Insurance Documents

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Customer Reviews & Ratings



I had a word with Bajaj Allianz executive and he explained me everything about the Home insurance which is appreciated



Bajaj Allianz your customer service agent was courteous, guided me throughout the transaction and quick in responding



It was good experience with sales manager while purchasing the product.

 Written By : Bajaj Allianz - Updated : 23rd Apr 2024


I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

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