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Customer Reviews

Average Rating:

4.6(Based on 76 ratings)
  • Hariprasad B

    5 star

    A big thanks to your claims team
  • Mihir M

    5 star

    Helpful Reliance team
  • See all reviews

Home Insurance Policy

Benefits

Why you need home insurance?

With the expensive items that are present in our homes these days, home insurance has become a necessity for ensuring their security. A home insurance policy covers a wide range of house contents such as TV, washing machine, air conditioner, jewellery and so on. These items are covered from theft as well as damage arising due to a number of scenarios making home insurance a smart security cover for your house. 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.

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

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

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


Types of home insurance plans


*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 76 ratings)

Showing 10 reviews

  • “A big thanks to your claims team”

    A big thanks to your claims team. They were prompt, cordial and helpful. The assessed the damage caused due to fire and immediately began the process of compensation. Will be renewing my home insurance policy from them. Totally worth every single penny.

    Hariprasad B13 October 2017, Agra
  • “Helpful Reliance team”

    My family and I were out on a vacation when our house was broken into. Luckily, I had my home insurance from Reliance General and they were very helpful while processing my claims for my stolen electronic appliances.

    Mihir M13 October 2017, Kalyan
  • “Helpful insurance product”

    The chain snatching coverage with this home insurance is absolutely brilliant. I am a regular train traveller and have already been a victim of chain snatching. I want to be insured if it happens again.

    Abhishek M13 October 2017, Chennai
  • “Good Product”

    This is good product. The coverage on this home insurance is nice and takes into account all expensive items inside the house.

    Ram M12 October 2017, Guwahati
  • “Great experience buying my property insurance plan online”

    Great experience buying my property insurance plan online from Reliance General. I found it easy to pick a premium amount I am comfortable with. And the coverage offered includes my spouse in the event of an accident. Good home insurance plan to have.

    Medha R12 October 2017, Surat
  • “This is a good house insurance product.”

    This is a good house insurance product. The coverage is great for the price offered. Electronic items these days are becoming weaker and weaker. It's necessary to insure these.

    Raghuram G12 October 2017, Pune
  • “Happy with Home Insurance”

    Purchased a new home in Mumbai recently. Today furniture, electronics have gotten so expensive that we have to insure them. I can't risk it and hence it took a home content insurance.

    Rahul V11 October 2017, Gurgaon
  • “Favorable home insurance policy”

    Favorable home insurance policy to have for jewellery and valuables. I was looking for a policy to insure my gold valuables but found Reliance General's house insurance plan very satisfying. The coverage offered is far better than basic plans.

    Vijay C11 October 2017, Shimla
  • “I like the homeassist feature”

    I like the homeassist feature that comes with this home insurance. Overall, a great product.

    Jaspreet P11 October 2017, Hyderabad
  • “Got a satisfied compensation”

    Not many people buy home insurance, mainly because they aren't aware of the benefits. Recently there was a robbery at my place. We claimed it and got a satisfied compensation. My relatives only then realized the importance of home insurance and purchased it themselves.

    Rajeev G10 October 2017, Coimbatore