Insure the right value
Building cover is usually based on rebuilding cost, not the market price of land.
Insurance
Home Insurance
Protect your home building and belongings from covered fire, weather, theft, or other risks.
Before you start
Home Insurance Eligibility and Document Guide
Check the basic rules and keep the required records ready before starting this service.
Important before you apply
Key points to consider for Home Insurance
Check these points carefully before choosing an option or starting your application.
List valuable contents
Keep invoices, photos, or records for important belongings where possible.
Check local risks
Choose cover based on flood, storm, earthquake, fire, theft, and other relevant risks.
12 eligibility points
Eligibility Criteria
See the basic conditions normally checked before you can apply.
Eligibility / Criteria
- Proposer must have insurable interest in the building and/or contents.
- Property should fall within insurer's accepted residential property type and geography.
- Building/contents can be insured depending on product.
- Sum insured should reflect reconstruction/reinstatement basis or contents value according to policy wording, not simply market sale value.
- Material construction details and risk features must be disclosed.
- Insurer can impose restrictions for:
- very old/dilapidated structures,
- kutcha/non-standard construction,
- unoccupied premises,
- flood/landslide/high-risk zones,
- commercial usage,
- previous losses.
36 document points
Document Requirements
Check which clear and valid documents you should keep ready.
Purchase / Underwriting Information
- proposer KYC:
- PAN
- identity proof
- address proof
- property address.
- ownership / insurable-interest details.
- property type.
- age/year of construction.
- construction type.
- built-up area.
- building sum insured.
- contents sum insured.
- itemised valuables if specific cover is requested.
- security features.
- occupancy/use.
- previous claims/policy.
- lender/financial institution interest if mortgaged.
Conditional Documents
- Sale deed/title document.
- property tax/municipal record.
- allotment/possession document.
- occupancy/completion certificate.
- approved layout/building plan.
- rent/lease documents if tenant is insuring contents/eligible interests.
- valuation/inventory for high-value contents.
- photographs/inspection.
Claim Documents - Common
- Claim form.
- policy copy.
- photographs/video of loss.
- FIR for theft/burglary where applicable.
- fire brigade report for fire where applicable.
- meteorological/authority evidence for catastrophe where requested.
- repair/reinstatement estimates and invoices.
- asset register/item list.
- title/occupancy/completion/building plan in major/total loss where requested.
- bank/NEFT details.
- other-insurance details.
Buy home insurance in three steps
Follow these three simple steps.
- 1Check the coverReview what home insurance covers, does not cover, and when the cover starts.
- 2Share correct detailsEnter the requested personal, health, vehicle, home, or risk information correctly.
- 3Buy and keep the policyPay only after checking the policy terms and keep the issued policy safely.
More insurance services
Open another service to read its own eligibility and document guide.
Reference Basis
These public sources were checked for this guide. Rules can change, so open the source for the latest official information.