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Home Insurance- Content Protection

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Home Insurance- Content Protection



​​​​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.​

Here is an illustration of the coverage that you can opt for​-

RisksItems coveredApprox. Premium​
` 3,923*
Approx. Premium
` 7,745*
Approx.​ Premium
` 14,390​*
Coverage in Rupees
and machinery
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 &​ burglary
Jewellery cover1,50,0003,00,0005,00,000
Personal AccidentEarning member2,00,0003,00,0005,00,000
Maximum Sum Insured (​coverage against fire) 5 Lakhs 10 Lakhs 20 Lakhs
*Premiums mentioned above are only Indicative and no​n-binding. The actual premium would be as per the quote creation process and is likely to vary depending upon the actual exposure details of the customer.​
#Coverage of machinery breakdown is applicable for electronic and electrical appliances only.​

Householders' Package Policy protects the following:​

Covers your jewellery whether worn or stored at home  Your home appliances like washing machine, refrigerator etc
Your electronic gadgets like TV, computer, DVD etc.  Personal Accident protection for earning member and spouse
Valuable contents against the risk of burglary and fire 

Accidental breakage of Fixed plate glass​

Click here to know about our seamless claim process​​!

For more details, kindly refer Householders' Package Policy tab or contact our nearest branch office

Advantages of Buying Content Insurance

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

  • Coverage for your expensive electronic items such as​ 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. Fir​e and all​ied 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

​You can also check our home structure insurance​ to protect your house against damages.​

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Home Insurance Reviews and Ratings

Average Rating:

4.9(Based on 138 ratings)

Showing 10 reviews

  • “Amazing benefits for home insurance”

    Home components insurance is great as I live in a rented house but have a lot of expensive item that had to be insured.

    Kush C12 September 2019, Indore
  • “Home insurance covers many things”

    The expensive appliance at my house is now insured with home insurance and I will now incur less damage if there is any destruction.

    Anjani O30 August 2019, Kolkata
  • “Home Insurance best in industry”

    Coverage is really good and the premium tempted me to buy this home insurance policy. Never seen such attractive policies.

    Usha R9 August 2019, Sangli
  • “Superb coverage in home insurance”

    My house is fully coverd with reliance general insurance,from structure to all valuable things. Best thing.

    Alok N19 July 2019, Bihar
  • “Afforadable Home Insurance Policy”

    Got home insurance at very affordable price from good company which I can trust, also coverage is high.

    Aman S11 July 2019, Bengaluru
  • “Good support by reliance home insurance team”

    Type of coverages and services are best in the market. Keep up the good work home insurance team.

    Mugdha K20 June 2019, Faridabad
  • “Secured home with best home insurance policy”

    Easy, fast & affordable home insurance policy to secure my home

    Bhavna G9 June 2019, Kalyan
  • “Impressive coverage in home insurance”

    The best part is Reliance's home insurance cover expensive things like jewelry, electrical and electronic appliances

    Pooja B29 May 2019, Bhubaneswar
  • “Jewellery secured with home insurance”

    Feeling secured because my jewellery is covered under reliance's home insurance

    Monica S11 January 2019, Goa
  • “Friend suggested home insurance”

    A friend suggested me to buy home insurance saying its really important to have one

    Abhisheik T10 January 2019, Pune