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Home Insurance

Easy Householder Package Policy

MyHomeInsuranceAllRiskPolicy

Convenient protection for your home

Safeguard Your Memories, Insure Your Home

Coverage Highlights

Get comprehensive coverage for your home
  • All Risk Coverage

Get comprehensive protection against wide range of risks like accidental fire, lightning, flood, storm, earthquake, accidental damage, theft, burglary and more, except named exclusions

  • Worldwide Coverage

Option to secure your valuables, jewellery, laptops, mobiles, cameras & other portable equipments anywhere in the world

  • Waiver Of Condition Of Average

Under many policies if you under-declare sum insured, then there is a pro-rata deduction from claim payable. However, under this policy proportional deduction will not be applied

  • No Content Declaration

You need not declare list of contents if the content sum insured is above INR 5 Lacs

  • Long-Term Cover

Policy can be issued for a period upto 5 years

  • Restoration Of Sum Insured

If the sum insured is exhausted due to a claim, it will be restored for subsequent claims within the policy year

  • Multiple Plans

You can select plans that are best suited for your needs

  • Easy Claim Process

Streamlined and hassle-free claims process to ensure quick settlements

  • 24x7 Customer Support

Round-the-clock assistance to address any queries or emergencies promptly

  • Note

* Indicative annual premium for 1 lakh sum insured

Key Inclusions

What's covered?
  • Fire and Allied perils

Covers loss or damage caused due to fire, lightning, cyclones, floods and many more

  • Breakdown of domestic appliances

Covers the repair or replacement costs arising from unexpected mechanical or electrical breakdown of domestic appliances

  • Burglary and Theft

Covers for the loss or damage to the premises and contents caused by actual /attempted burglary or theft

Key Exclusions

What's not covered?
  • Consequential loss of any kind or description

Whether on the sports field or off, losses are a part of life. Indirect or consequential losses, such as the stoppage of rental income due to damage sustained by the insured property, is not covered under the easy householder policy.

  • Loss or damage caused by depreciation or wear and tear

Hours, days, months and years, the hands of time govern all things. If your home or its contents suffer damage due to age, we are unable to cover such losses.

  • Damage to contents of a consumable nature

Consumables such as medicines, food, fuel, cooking gas etc. are not covered under the terms of the policy.

  • Loss or damage to mobile phones or similar communication devices

Mobile phones and other communication devices being personal use devices are not covered under theeasy householder policy.

  • Loss of or damage to valuables, jewellery or precious items

Gold and other valuables are perhaps safest in a bank vault. They are not covered under our householder policy.

  • Other exclusions as listed in the policy wordings

For details on our terms and conditions of coverage, read the policy wordings carefully before investing. For more information, please refer to the brochure in the tools section above.

Optional Covers

What else can you get?
  • Key And Lock Replacement Cover

Covers cost for replacing locks and keys of your home and vehicles if they are lost or stolen

  • ATM Withdrawal Robbery Cover

Provides financial protection if you are robbed after withdrawing cash from an ATM

  • Lost Wallet Cover

Replacement costs for lost or stolen wallet as well as personal papers and payment cards that were in the wallet

  • Dog Insurance Cover

Insures against death from accidents or diseases of your pet dog covered under the policy

  • Public Liability Cover

Offers protection against legal liability for accidental bodily injury or property damage to third parties

  • Employee's Compensation Cover

Covers legal liability towards employees for injury, illness or death arising out of employment duties

  • Temporary Resettlement Cover

Covers expenses for temporary accommodation if your home is uninhabitable following a loss

  • Loss Of Rent Cover

Compensates for lost rental income if your insured property becomes uninhabitable following a loss

Benefits You Deserve

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Safeguarding personal assets

Protect your hard-earned assets with a reliable home insurance

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Safety from Natural Disasters

Unexpected natural disasters can lead to a major financial setback

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Protect your precious property

Ensure peace of mind by protecting what matter most - your home and valuables

At-A-Glance

Compare Insurance Plans Made for You

Plans Offered
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Gold Plan I

Diamond Plan I

Platinum Plan I

Gold Plan II

Diamond Plan II

Platinum Plan II

Suitable For Flats/Independent Buildings/Bungalows Flats/Independent Buildings/Bungalows Flats Flats/Independent Buildings/Bungalows Flats/Independent Buildings/Bungalows Flats
Home Building Cover Market Value Basis: Cost of replacement or repairs to restore to original condition after adjusting for depreciation Reinstatement Value Basis: Cost of replacement or repairs to restore to original condition without depreciation Agreed Value Basis: Mutually determined value while buying the policy Market Value Basis: Cost of replacement or repairs to restore to original condition after adjusting for depreciation Reinstatement Value Basis: Cost of replacement or repairs to restore to original condition without any depreciation Agreed Value Basis: Mutually determined value while buying the policy
Home Content Cover New for old basis: Cost of replacement with a new item of the same kind without depreciation New for old basis: Cost of replacement with a new item of the same kind without depreciation New for old basis: Cost of replacement with a new item of the same kind without depreciation Indemnity Basis: Cost of replacement with item of the same kind after adjusting for depreciation Indemnity Basis: Cost of replacement with item of the same kind after adjusting for depreciation Indemnity Basis: Cost of replacement with item of the same kind after adjusting for depreciation
Portable Equipments Cover New for old basis for items upto specified age, else indemnity New for old basis for items upto specified age, else indemnity New for old basis for items upto specified age, else indemnity Indemnity basis Indemnity basis Indemnity basis
Jewellery And Valuables, Curios, Art And Paintings Optional Cover Optional Cover Optional Cover Optional Cover Optional Cover Optional Cover
Rent For Alternate Accomodation And Brokerage Not Covered Covered up to specified limits Not Covered Covered up to specified limits Covered up to specified limits Covered up to specified limits
Emergency Purchases Up To INR 20,000 Not Covered Covered Covered Not Covered Covered Covered

Download Policy Documents

Get instant access to your policy details with a single click.

Wellness Companion

Healthmanager

Insurance benefits and rewards

Earn points for health activities and get benefits as premium discounts & policy upgrades. Improve your health to reduce claims & maximize benefits.

Healthassetment

Complete health assessment and data integration

Start with a detailed health evaluation and sync your medical records & wearables for real-time data on activity, sleep & vital metrics.

Healthmanager

Insurance benefits and rewards

Earn points for health activities and get benefits as premium discounts & policy upgrades. Improve your health to reduce claims & maximize benefits

HealthAssesment

Complete health assessment and data integration

Start with a detailed health evaluation and sync your medical records & wearables for real-time data on activity, sleep & vital metrics.

Expand Your Coverage Today!

Loss of Rent Cover

Tooltip text

Compensates for lost rental income.

Applies if insured property becomes uninhabitable

Starting from

INR 45 + GST

Buy Now

Temporary Resettlement Cover

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Compensates for lost rental income.

Applies if your home is uninhabitable after a covered event.

Starting from

INR 50 + GST

Buy Now

Key and Lock Replacement Cover

Tooltip text

Covers costs for replacing locks and keys.

Applies if they are lost or stolen.

Starting from

INR 100 + GST

Buy Now

ATM Withdrawal Robbery Cover

Tooltip text

Provides financial protection if you are robbed.

Applies when cash is withdrawn from ATM

Starting from

INR 150 + GST

Buy Now

Lost Wallet Cover

Tooltip text

Covers the loss of your wallet.

Includes the cost of replacing contents like cards and IDs.

Starting from

INR 50 + GST

Buy Now

Step-by-Step Guide

To help you navigate your insurance journey

How to Buy

  • 0

    Visit Bajaj Allianz website

  • 1

    Enter personal details

  • 2

    Compare home insurance plans

  • 3

    Select suitable coverage

  • 4

    Check discounts & offers

  • 5

    Add optional benefits

  • 6

    Proceed to secure payment

  • 7

    Receive instant policy confirmation

How to Renew

  • 0

    Login to the app

  • 1

    Enter your current policy details

  • 2

    Review and update coverage if required

  • 3

    Check for renewal offers

  • 4

    Add or remove riders

  • 5

    Confirm details and proceed

  • 6

    Complete renewal payment online

  • 7

    Receive instant confirmation for your policy renewal

How to Claim

  • 0

    Notify Bajaj Allianz about the claim using app

  • 1

    Submit all the required documents

  • 2

    Choose cashless or reimbursement mode for your claim

  • 3

    Avail treatment and share required bills

  • 4

    Receive claim settlement after approval

How to Port

  • 0

    Check eligibility for porting

  • 1

    Compare new policy benefits

  • 2

    Apply before your current policy expires

  • 3

    Provide details of your existing policy

  • 4

    Undergo risk assessment by Bajaj Allianz

  • 5

    Receive approval from Bajaj Allianz

  • 6

    Pay the premium for your new policy

  • 7

    Receive policy documents & coverage details

Insurance Samjho

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KAJNN

Critical Illness Insurance

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Health Claim by Direct Click

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Personal Accident policy

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Global Personal Guard Policy

Claim Motor On The Spot

Two-Wheeler Long Term Policy

24x7 Roadside/Spot assistance

Caringly Yours (Motor Insurance)

Travel Insurance Claim

Cashless Claim

24x7 Missed Facility

Filing a Travel Insurance Claim

My Home–All Risk Policy

Home Insurance Claim process

Home Insurance Simplified

Home Insurance Cover

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  • Customised plans that grow with you
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What Our Customers Say

Simple Process

Straightforward online travel insurance quote and price. Easy to pay and buy

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Madanmohan Govindarajulu

Chennai

5

11th Apr 2019

Convenient

Very user-friendly and convenient. Appreciate the Bajaj Allianz team a lot.

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Payal Nayak

Pune

4.8

15th Mar 2019

Affordable

Very nice service with an affordable premium for travel insurance.

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Kinjal Boghara

Mumbai

4.5

5th Mar 2019

User Friendly

Quick, easy, and user-friendly process to buy travel insurance.

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Abhijeet Doiphode

Pune

4.5

6th Feb 2019

Customer Support

Very prompt and professional service. I am pleased with the customer service team at Bajaj Allianz.

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Ushaben Pipalia

Ahmedabad

5

31st Jan 2019

Quick Assistance

I am highly impressed by the efficiency of the Bajaj Allianz call centre executive who helped me with my travel insurance.

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Paromik Bhattacharyya

Kolkata

5

25th Dec 2018

FAQ's

What is easy house holders package policy?

Whether water logging due to incessant rains or malfunctioning electrical appliances, our easy house holders’ package policy gives you respite from the costs of repair and replacement. This comprehensive package policy is designed to cover various risks and contingencies faced by householders. It provides protection for your household contents, dom

Can I increase my sum insured?

No, the sum insured on your home insurance policy cannot be increased once the policy is in effect. This is because Easy House Holders package policy has fixed plans to choose from with preset sum insured amount.

What are the major exclusions under this policy?

Though Bajaj Allianz offers comprehensive coverage, there are certain risks that do not come under its purview. Consequential loss of any kind or description, loss or damage caused by depreciation or wear and tear, damage to contents of consumable nature, loss or damage to mobile phones or similar communication devices, loss or damage to valuables,

What are the plans available under this policy?

We offer three unique plans that insure you against major risks, with a fixed sum insured.

What is a home insurance policy?

A home insurance policy protects homeowners from financial losses related to damage or destruction of their property and its contents.

Can I get an insurance policy for my home?

Yes, home insurance policies are widely available. However, the availability and specific types of coverage can vary depending on your location and the characteristics of your home.

What is the cost of home insurance policy?

The cost of a home insurance policy varies significantly based on factors such as the home's location, size, age, construction materials, coverage limits, and deductible amount.

What documents do I need to get a home insurance policy?

Home insurance can be obtained by providing basic information about your property, including its address, age, square footage, and construction details. Some insurance providers may also require documentation related to the home's value, such as an appraisal or purchase agreement. Check with the specific insurance provider for requirements.

What are common exclusions in home insurance policies?

Common exclusions often include damage from floods, earthquakes, wear and tear, mold, and certain types of water damage. It's crucial to review your policy documents to understand the specific exclusions that apply.

How do I register my claim?

To initiate a claim, you must promptly notify your insurer. It is important to provide details such as the date and time of the incident, along with a summary of what happened. Quick reporting allows for a timely assessment and response to your claim.

What documents would I need to process my home insurance claim?

The documents required to raise a claim generally include your insurance policy, a detailed account of the incident, photographic or video evidence of the damage, and repair cost estimates. These documents help the insurer accurately evaluate the claim and determine the extent of the loss.

What is the claim settlement process under the home insurance?

The standard claim process involves reporting the incident, submitting all requested documentation, and undergoing an assessment by an insurance adjuster. Following the assessment, the insurer reviews the claim for approval. Upon approval, a settlement offer is presented by the insurer. This process ensures a fair evaluation of the claim.

How many times can I raise a claim on my home insurance policy?

While there is typically no fixed limit on the number of claims, frequent filings can influence your policy. Multiple claims within a short timeframe may lead to adjustments in your premiums. Insurance providers evaluate risk based on claim history, and consistent filings can indicate a higher risk profile, affecting future coverage.

What steps should I take immediately after my home is damaged?

Ensure the safety of everyone in your home. Take steps to prevent further damage, such as covering damaged roofs or windows. Document the damage with photos and videos. Contact your insurance company as soon as possible to report the claim.

Can I renew my home insurance policy?

Yes, home insurance policies can get renewed annually. Most insurers will offer renewal options, but it's essential to confirm with your specific provider.

How can I extend my home insurance plan?

Home insurance policies are generally renewed rather than extended. Contact your insurance provider before the policy's expiration date to initiate the renewal process.

What happens if my home insurance expires?

If your home insurance expires, your property will be uncovered. This means you would be financially responsible for any damages or losses that occur. It is recommended to ensure your policy is renewed before its expiration date to avoid a lapse in coverage.

What is the validity period of home insurance?

The validity period of home insurance is usually an year. However, some insurers may offer policies with different terms. Always confirm the validity period with your insurance provider when purchasing or renewing your policy.

Can I change my coverage level or add-ons at renewal?

In most cases, you can adjust your coverage level or add-ons at renewal. However, any changes may be subject to underwriting and approval by the insurance company.
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Why Bajaj Allianz Easy Householders package policy?

Stress and worry is a natural consequence when the mind is not at ease. To really feel at home in your new house or residential property, you need more than locks and double doors. Even an alert pet that promptly showers unknown visitors with a volley of barks is no guarantee that your loved ones within your home are safe from a variety of threats. Bajaj Allianz Easy Householders Package Policy is just what you need to keep worries at bay.

Competitive in terms of coverage and affordability, this householder policy offers a range of customised plans to suit every need and budget. Regardless of whether you own or rent your home, it offers you protection from natural and man-made risks, personal accidents or damage to property.

While it’s true that in an emergency, neighbours and friends are often the first to respond and offer emotional help, a householder policy from Bajaj Allianz is the perfect antidote to the financial uncertainty that a crisis involving your home and belongings can bring.

Key Benefits for Home Insurance

In India, buying a house is considered a rite of passage. Statistically, the vast majority of Indians own the homes they live in. It also brings you justifiable pride to finally have a place of your own. However, with the rising instances of theft, riots, loss of belongings and other risks, the house of your dreams has to contend with a number of risks on a day to day basis. If you have a family or other dependents, the risks are often magnified in light of the possibility of accidents or injuries. 

These risks cannot be predicted or always prevented. Investing in home insurance  gives you a measure of certainty in the event of an unfortunate incident like burglary. The easy householderpolicy absorbs any financial shockwaves that you might experience and enables you to be a resilient and calm pillar of support for your family and loved ones.

Here’s why Bajaj Allianz Easy Householders Package Policy:

Convenience to choose from 3 customized plans : To win at chess against a skilled opponent, you need more than one strategy. As the game progresses, your instincts alone may not be enough to help win, you’d need flexibility and improvisation to match the competition.  With our easy householder policy, you can choose from 3 customized plans offering modular coverage suited to your unique needs.

Affordable package premium : As a discerning buyer, we know you appreciate getting better value for your money, which is why our easy householder policy is specially designed to be cost effective while offering tailored coverage that is just the right fit for your requirements. As the cost of living increases, the cost of protecting your home and its belongings is finally reducing, thanks to our easy householder policy.

Combination of requisite covers: Choosing a buffet over an a la carte meal gives a wider choice of food to eat besides being more exciting. With our easy householder policy, we have taken aim at eliminating redundancy and giving you unmatched flexibility in choosing the best coverage for your needs. This not only reduces the overall cost of buying a home insurance cover but also helps you respond to emergencies in a much more confident manner. 

Easy claim settlement process: When it comes to delivering on our promises, we want to be always on point. By leveraging state of the art technology and modern workflows, the easy householder policy offers you fast claim settlement and 24x7 customer support that keeps you informed every step of the way. No matter the time of day (or night!), you’ll always find a listening ear when you call us with a query. Our advisors lose no time in giving you real time status updates for home insurance claims  and will be more than happy to answer any questions that you may have!

Home Insurance for You

Buying a home is a lot like scaling a summit. Arranging the finances and performing the paperwork before finally taking possession of your new home can be a fairly long drawn process. Considering the amount of financial investment and equity you would have put in while buying a house, a householder policy makes a lot of sense. For a nominal premium, it provides your home and family with peace of mind and continuity in case of calamities like theft, riots, fire, floods, earthquakes etc.

Being an immovable asset, you may take a number of physical measures to protect your home and its contents from damage. From a security point of view, you may opt for CCTV, video door phones, intercom systems, etc. to ensure better surveillance around your home and its immediate vicinity. You may even ask friendly neighbours to keep an eye on suspicious persons in the spirit of mutual cooperation.

However, while these measures can contribute to improving vigilance and promoting security around the neighbourhood, they are by no means fool proof. Worse, they offer no protection from the financial losses and resulting turmoil that one can experience should the unthinkable occur. Bajaj Allianz’ proven householder policy helps you cover the gap in terms of minimizing the financial impact and ensuring a smooth transition from chaos to normalcy in case of natural or man-made calamities.

Simple, effective and affordable-our easy householder policy is the ace of spades that can turn a tragedy into a learning experience.

HOME INSURANCE FOR YOU

Buying a home is a lot like scaling a summit. Arranging the finances and performing the paperwork before finally taking possession of your new home can be a fairly long drawn process. Considering the amount of financial investment and equity you would have put in while buying a house, a householder policy makes a lot of sense. For a nominal premium, it provides your home and family with peace of mind and continuity in case of calamities like theft, riots, fire, floods, earthquakes etc.

Being an immovable asset, you may take a number of physical measures to protect your home and its contents from damage. From a security point of view, you may opt for CCTV, video door phones, intercom systems, etc. to ensure better surveillance around your home and its immediate vicinity. You may even ask friendly neighbours to keep an eye on suspicious persons in the spirit of mutual cooperation.

However, while these measures can contribute to improving vigilance and promoting security around the neighbourhood, they are by no means fool proof. Worse, they offer no protection from the financial losses and resulting turmoil that one can experience should the unthinkable occur. Bajaj Allianz’ proven householder policy helps you cover the gap in terms of minimizing the financial impact and ensuring a smooth transition from chaos to normalcy in case of natural or man-made calamities.

Simple, effective and affordable-our easy householder policy is the ace of spades that can turn a tragedy into a learning experience.