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Customer Reviews

Average Rating:

4.6(Based on 46 ratings)
  • Mani M

    5 star

    Buying a policy seems a wise decision
  • Pk Mohanty

    4 star

    A well rounded home insurance cover
  • See all reviews

Home Insurance Policy

Benefits

​​​​​Ever wondered what would happen if there’s a break-in at your home and all your valuables including your LED TV, diamond set, etc. gets stolen? Re-​​​​buying all this stuff could cost you a fortune!

Thankfully, content insurance is there to cover such a loss. So, whether you own a house or stay at a rented one, all your personal pro​​perty including jewellery, furniture and electrical goods are pr​otected against risks such as fire, theft, flood, etc.

You can buy your home insurance policy online through our various payment options like UPI, PayTM, Net Banking, Debit/Credit card etc avail​​​able for your convenience​ 
 

 ​Home Insurance starts just at Rs 18* per day. It’s th​​at affordable!​​

Want to know how much cover you need? Check this out! 


 
*Premium rates are exclusive of taxes

We've tried to cover all the basic elements in our home insurance policy, so if your home is damaged due to any of the following reasons, we have it covered!

 
  • Protection of content against fire, flood,  earthquake,  and lightning​
  • Domestic Mechanical, Electrical, and Electronic appliances
  • Jewellery and valuables against accident or misfortune
  • Burglary and House Breaking​
  • Personal Accident coverage for earning member and spouse
  • Television set as well as accessories such as DVD and VCR
  • Accidental breakage of fixed plate glass

For more details, kindly refer the property insurance policy wordings or contact our nearest branch.

​Although we'd like your home insurance to cover all types of situations, it isn't possible. For an exhaustive understanding of the exclusions, kindly refer the policy wordings. Some of the exclusions in our home insurance policy are:​

1.       Fire and allied perils

  • Damage caused by war, invasion etc
  • Destruction caused by due to volcanic eruptions
  • Radioactive toxic, explosives or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
  • Loss, destruction or damage to bullion or unset precious stones or any curios or works of art of an amount exceeding Rs. 10,000/-manuscripts, plans, drawings, securities, obligations or documents of any kind, stamps, coins or paper money, cheques, books of accounts or other business books, computer systems records, explosives unless otherwise expressly stated in the policy.
  • Loss, destruction or damage caused to the insured property by pollution or contamination

2.       Jewellery and valuables

  • Cracking, scratching or breakage of valuables or glass during transit
  • Where any item insured hereunder consists of articles in pair or set the Company's liability in respect thereof shall not exceed the value of any article which may be lost or damaged without reference to any special value which such article may have as part of such pair or set.

3.       Domestic Mechanical Electrical, and Electronic Appliances

  • Willful act or gross negligence of the insured
  • Faults existing at the time of commencement of the policy _
  • Any fault or defect for which the manufacturer or supplier of the damaged item is responsible

4.       Television set

  • To external antenna or fittings by theft unless the Television Apparatus itself is stolen at the same time
  • Caused by or arising out of or traceable to erection, repairing or dismantling of the Television Apparatus
  • For which the manufacturer or supplier of the Television Apparatus is responsible

5.       Fixed Plate Glass

  • Breakage of glass not completely and securely fixed
  • Breakage or damage during removal, alterations and/or repairs

6.       Personal Accident

  • Death or disablement resulting directly or indirectly caused by childbirth or pregnancy
  • from intentional self-injury, suicide or attempted suicide,
  • (b) whilst under the influence of intoxicating liquor or drugs
  • whilst engaging in aviation or ballooning whilst mounting into, dismounting from or travelling in any aircraft or balloon other than as a passenger
  • directly or indirectly caused by venereal diseases, AIDS or insanity
  • arising or resulting from the Insured Person committing any breach of law with criminal intent.

7.       Burglary and Housebreaking

  • Any burglary and/or housebreaking where the insured persons family member is responsible or involved
  • To livestock, motor vehicles and pedal cycles

For details about the homeowner’s insurance policy in India, kindly refer the policy wordings and/or Reliance Householders' Home Insurance Package policy tab

Apart from the above mentioned features, Householders' Package policy also covers the following:

  • Building and structure against Fire and allied perils​​​​​​​
  • Baggage accompanying the insured or family members while travelling anywhere in India
  • Pedal cycle against the risk of fire, lightning, earthquake etc
  • Legal Liability towards employee and third party

For detailed coverage and exclusions kindly refer the home insurance policy wordings or contact our nearest branch.​


 

Benefits

Average Rating:

4.6(Based on 46 ratings)

Showing 10 reviews

  • “Buying a policy seems a wise decision”

    Due to a short-circuit at our apartment our television broke down. It was totally accidental and unexpected. We weren�t sure if the claims team would get settled. Luckily it got covered with Reliance Home Insurance. Buying it turned out to be a very wise purchase.

    Mani M30 June 2017, Hyderabad
  • “A well rounded home insurance cover”

    A well rounded home insurance cover. The coverage is extensive and exactly what we need. Will be renewing this policy next year.

    Pk Mohanty29 June 2017, Goa
  • “Thanks to this Reliance home insurance”

    We were on a vacation when we got a call from our neighbours that our home was broken into. The police were informed. We immediately cut short the holiday, filed a complaint. We had lost all our jewellery and cash. All other items were safe. All this happened in the pitch dark of the night and we hadn�t found any witness yet. Thanks to this Reliance home insurance, we got at least the insurance money back. The culprit is still not caught but we were compensated well.

    Palm D28 June 2017, Rajasthan
  • “A good pricing for this extensive coverage”

    A good pricing for this extensive coverage. Covering jewellery theft in the event of chain snatching was brilliant. My wife regularly travels by the local trains. Good house insurance.

    Jose B27 June 2017, Haryana
  • “This house insurance cover is good”

    This house insurance cover is good. My friend recommended it to me as she had a good experience.

    Vishwakarma S26 June 2017, Uttar Pradesh
  • “Home Insurance that covers Jewellery”

    One of the best features of this home insurance policy is the jewellery cover. While walking below my building around 10 p.m. in the night, two men on a bike came dangerously close and snatched my mangalsutra away. I froze in fear, couldn't even shout. I was lucky they didn't crash into me. Fighting back could have been dangerous. We made a claim, they verified it and we received the insurance money. It does feel a relief to not have a financial loss.

    Sanjay S23 June 2017, Mumbai
  • “Very good price for this coverage”

    A well rounded house insurance cover. Very good price for this coverage

    Navina B22 June 2017, New Delhi
  • “Price is very competitive”

    Reliance has a good reputation so I didn't think twice before taking this home insurance policy. Price is very competitive too.

    Anubhav B21 June 2017, Chennai
  • “Reliance home insurance which got us covered.”

    Last week there was heavy rainfall in our locality and lead to flooding which caused our television to get damaged . Thankfully we had a Reliance home insurance which got us covered.

    Additri G20 June 2017, Bhopal
  • “This home insurance really helped”

    Some children playing cricket outside smashed my tv. The ball just flew in through the window. Thankfully I didn't have to empty my pockets. This home insurance really helped. Claim process was good.

    Surendra K20 June 2017, Bangalore