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Customer Reviews

Average Rating:

4.6(Based on 52 ratings)
  • Raghuram G

    5 star

    You have put together a great team
  • Abhishek M

    5 star

    I want to thank you for all your help
  • 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

Advantages of Buying Content Insurance

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

  • Coverage for your expensive electronic items such as​ Jewellery​, 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!​

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 52 ratings)

Showing 10 reviews

  • “You have put together a great team”

    I would like to take this opportunity to thank RGIC Claims North Team, for the superior customer service, to settle loss bared to me in the appreciated time. Further I would like to direct my gratitude and appreciation especially to the appointed claim adjuster for his exceptional service. I really appreciate the efforts made by him to perform his duties ethically. It is because of his efforts, I am satisfied with the final assessment being made for my insured product. I will continue to visit RGICL to renew my home insurance policy and other of their products, as well as recommend it to others. You have put together a great team that makes customer feels respected and valued.

    Raghuram G31 August 2017, Cochin
  • “I want to thank you for all your help”

    Hope you guys doing great. This mail is reference to claim received last month. I want to thank you for all your help. I’m glad there’s still people like you that are willing to go the extra mile to help someone. You have helped me a lot because every penny helps me these days. All my queries were explained to me and in a most friendly and efficient manner. Thanks a lot, I am going to recommend this home insurance policy to everyone I know!

    Abhishek M29 August 2017, Gwalior
  • “Definitely renewing this home insurance policy again”

    I have received the claim amount on day before yesterday. I want to share my experience with you. I was assisted right from the beginning till the claim was settled. My child accidentally broke our very expensive television set and I wasn’t very sure if the claim will be processed. However, we are very happy with the settlement amount on our house insurance policy. Thanks a lot, definitely renewing this home insurance policy again and again.

    Saurabh M28 August 2017, Nashik
  • “I am so glad I took it”

    Until the burglars came into my locked house (we weren’t home), stole our gold, valuables, cash damaging our television in the process, I never thought something like this will happen to me. We always read about it and are sure it won’t happen to us. I had only taken this home insurance policy as a safety measure but now I am so glad I took it. We are just happy to be safe now. The Reliance team was patient and co-operative. Thanks a lot for this house insurance.

    Reena J25 August 2017, Allahabad
  • “I am going to recommend this home content insurance”

    I am very thankful to you the Reliance General team for being so customer friendly. Our home burglary settlement claim was handled with efficiency and ease. While I was tensed, I’m now a very happy man. I am going to recommend this home content insurance to all my colleagues at work too.

    Mahendra R24 August 2017, Solapur
  • “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