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Home Insurance Policy


​​​​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.

 ​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! 

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.​



Average Rating:

4.6(Based on 16 ratings)

Showing 10 reviews

  • “Thanking you for your valuable cooperation”

    Thanking you for your valuable cooperation and giving us an excellent service on Home Insurance Policy settlement.

    Peninsular H3 March 2017, Nagpur
  • “Claim for Householders Package Insurance Policy”

    I have received claim amount Rs.6762/- to my bank account for my A/c. Thank you. I really appreciate the speedy actions of your esteemed company for my house insurance claim, especially I appreciate the comfortable, understanding and wonderful service of Mr. S. K, Claims Manager, though I have not seen him at all and communicated only by mail and phone.

    Swaraj2 March 2017, Tirunelveli
  • “Relentless Service!”

    Sir,I am thanking you for your promptness in the settlement of the claim towards my property insurance policy.I have top rated opinion of your relentless service

    Unni K1 March 2017, Thiruvananthapuram
  • “Quick Home Insurance Settlement”

    Dear Sir, Received the payment yesterday. Really appreciate your fast process and quick home insurance settlement. Thank you very much. Regards, Jayasree Sunil

    Jayasree S28 February 2017, Jamshedpur
  • “Convey my special thanks to Mr A”

    Sir, I am very happy to inform you that I got the amount of Rs.3400/- for TV damage. The amount got transfered to my bank account without any delay. I am very thankful to the Reliance General Insurance authorities. I convey my special thanks To Mr. A.Thanking you. P

    Padmakumari S27 February 2017, Mangalore
  • “Speedy Home Insurance Claim Settlement”

    Dear Sir, I have received Rs.1195/- yesterday as settlement of my claim No. 2161013508 under Home Insurance Package policy. Thank you very much for settling my claim so quickly without asking more documentations. I really appreciate for your speedy claim settlement and well behaviour of Mr. A - Claim Manager. Thank you very much Sir. Regards VK

    Varghese K24 February 2017, Rajkot
  • “Thanks a lot for guiding me”

    An employee gave me a detailed explanation regarding the home contents that is covered under the insurance and why some cannot be covered. Thanks a lot for guiding me

    Aishwarya P2 December 2016, Mulund
  • “Was totally satisfied with the service provided”

    Was totally satisfied with the service provided to me by the Reliance employees who helped me understand the benefits of buying a property insurance

    Rishabh B2 December 2016, Saki Naka
  • “Appreciate the good work”

    They help you chose the most appropriate premium for your policy. Appreciate the good work

    Hiren S1 December 2016, Ballard Estate
  • “Great benefits. Reasonable premium. Go for it!”

    Easy procedure to buy house insurance policy. Great benefits. Reasonable premium. Go for it!

    Harpreet K30 November 2016, Kurla