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Home Content Insurance

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Home Content Insurance

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 property including jewellery, furniture and electrical goods are protected against risks such as fire, theft, flood, etc.​

Select a plan that suits your needs-


RisksItems coveredPlan​
@ ` 3,923*
Plan
@ ` 7,745*
Plan
@ ` 14,390​*
Coverage in Rupees
Fire,
burglary,
earthquake,
floods
and machinery
breakdow​​n#
Electroni​cs1,00,0002,00,0004,00,000
Electrical Appliances50,0001,00,0002,00,000
Fixed Plate Glass 25,00050,0001,00,000
Other content 3,25,0006,50,00013,00,000
All risks -
Theft ,
breakage,
burglary
Jewellery cover1,50,0003,00,0005,00,000
Personal AccidentEarning member2,00,0003,00,0005,00,000
Spouse2,00,0003,00,0005,00,000
Maximum Sum Insured 5 Lakhs 10 Lakhs 20 Lakhs
*Premium rates are exclusive of taxes.
#Coverage of machinery breakdown is applicable for electronic and electrical appliances only.​

​​ ​

​​​Key Features of our Home Insurance Policy

​​​​Our House Insurance policy comes with Home Assist, a FREE service loaded with handy features like:

In addition to our Property/Home insurance policy, we present to you, home insurance india, a FREE service loaded with amazing features such as​

 Plumbing Assistance  Pest Control Assistance
       
​  Electronic Gadgets Repair
 Assistance
  Medical Contact Information
​​

*Calculation of  the premium is for a sum insured of Rs 10,00,000. The premium amount of approx. Rs 18 per day is exclusive of taxes. Tax laws are subject to change. 

Advantages of Buying Content Insurance

We provide coverage against risks, perils and unforeseen incidents such as:

  • Coverage for your expensive electronic items such as​ Jewell​ery​, TV​, AC​,Washing machine​​, Fridge​, ​​Computer​ and other electrical equipment
  • Protection against damage from short circuits and mechanical breakdown
  • Protection against accidental breakage
  • Protection against breakage of fine glass fixtures or fixed plate glass
  • Insurance for your gold, diamond sets and other jewellery against theft and loss. Chain snatching is covered even outside your home
  • Protection against theft, loss or burglary
  • Coverage against personal accident inside the home for self and spouse

Our Comprehensive House Insurance Policy safeguards all your valuables and provides the benefits of several different policies in one. Buy it online now!​

​​​

​What does this policy cover

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 Mech​anical, 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.

What does this policy not cover

​​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

Advantages of Buying Content Insurance

We provide coverage against risks, perils and unforeseen incidents such as:

  • Coverage for your expensive electronic items such as​ Jewell​ery​, TV​, AC​,Washing machine​​, Fridge​, ​​Computer​ and other electrical equipment
  • Protection against damage from short circuits and mechanical breakdown
  • Protection against accidental breakage
  • Protection against breakage of fine glass fixtures or fixed plate glass
  • Insurance for your gold, diamond sets and other jewellery against theft and loss. Chain snatching is covered even outside your home
  • Protection against theft, loss or burglary
  • Coverage against personal accident inside the home for self and spouse

Our Comprehensive House Insurance Policy safeguards all your valuables and provides the benefits of several different policies in one. Buy it online now!​

​ ​

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Home Insurance Reviews and Ratings

Average Rating:

4.6(Based on 119 ratings)

Showing 10 reviews

  • “purchased home insurance”

    Cases of burglary increased in my locality. As a precautionary measure I purchased the home insurance from reliance

    Mahesh S19 February 2018, Bhubaneswar
  • “jewellery insured”

    the only thing that makes my financial status strong is the jewellery that I have at home. I purchased the home insurance wich covers my jewellery

    Vijay C19 February 2018, Shimla
  • “Secured my electronics”

    I have some expensive electronic items in my home. Purchased a home content insurance to secure those electronics and my money.

    Rao R14 February 2018, Chennai
  • “Home is most precious”

    saw a video online and understood the importance and benefits of home insurance. Purchased one instantly from reliance

    Ramnath R13 February 2018, Ernakulam
  • “home insurance covers jewellery”

    I was afraid about the expensive jewellery present in my house. I decided to buy home insurance from reliance. Now my jewellery is safe

    Febin P8 February 2018, Hyderabad
  • “quite affordable quote”

    Got a quote for my home insurance on reliance's website and it was affordable considering the security it will provide

    Vanaja R7 February 2018, Chennai
  • “Home insurance is important”

    Never realised the importance of a home insurance before actually purchasing it.

    Padmakumari S31 January 2018, Mangalore
  • “Home insurance is must”

    Me and my family were going on a 1 month trip and I was a bit scared with the security of my house. I decided to buy a home insurance from reliance general which helped me to enjoy my trip.

    Jayasree S30 January 2018, Jamshedpur
  • “My first home insurance”

    Happy to purchase my first home insurance from a well known brand like reliance general

    Unni K29 January 2018, Thiruvananthapuram
  • “Happy with the claim”

    I have a home insurance from reliance general. Recently my TV got damaged due to load shading in my area. I was provided cover for the TV as I own a home insurance.

    Vaibhav R27 January 2018, Nagpur