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Home Insurance

Safeguard your home and valuables against fire, theft, natural disasters, and unexpected damages with dependable coverage.

Know What It Is?

What Does Home Insurance Mean?

Home insurance is an agreement that offers financial protection for your house and belongings against damages caused by fire, theft, natural disasters, and other unexpected events. By paying premiums, the insurer covers repair costs, replacement of valuables, and related losses as defined in the policy, ensuring security, peace of mind, and stability always.

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Choose What Works for Your Home

Types of Home Insurance Policies You Can Buy

When buying home insurance, it’s important to understand the types of coverage available. Each plan offers protection for your home and belongings in different ways.

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Building Insurance

Covers the home's structure including walls, roof, floor, and foundation.

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Content Insurance

Protects household items like furniture, appliances, electronics, etc. from damage.

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Comprehensive Home Insurance

Covers both the building structure and home contents for complete protection.

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Landlord Insurance

Protects property owners from rental loss and damages caused by tenants.

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Tenant Insurance

Covers renters’ personal belongings and protects against accidental damages in home.

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Natural Disaster Cover

Covers losses from floods, earthquakes, cyclones, and other natural calamities.

Key Features & Benefits

Why Choose Shreshta for Your Home Insurance?

Protect your home with Shreshta’s strong coverage, secure benefits, and reliable claim support.

Structure damage protection

Cover for valuables

Theft and burglary cover

Disaster-related protection

Options for owners/tenants

Steps to File a Claim

How to File a Home Insurance Claim

We’re here to help you recover quickly with a simple, transparent, and hassle-free claim process.

Notify the Insurer Promptly

Inform the insurer immediately after any damage, theft, or loss occurs at your property.

Submit Documents & Evidence

Provide photos, invoices, policy details, and an FIR if required along with the claim form.

Assessment & Payout

The insurer inspects the damage and processes the settlement as per policy coverage.

Got Questions?

Frequently Asked Questions About Home Insurance

Have doubts about home insurance? We’re here to help. Explore key questions about coverage, premiums, claims, exclusions, and protection options so you can safeguard your home with confidence.

A standard home insurance policy covers the structure of your house and the contents inside it against risks such as fire, theft, burglary, natural disasters, and man-made hazards. You can choose structure-only, contents-only, or a comprehensive plan that protects both your property and belongings for complete peace of mind.

Yes. Tenants can purchase a contents-only home insurance policy to protect personal belongings like furniture, appliances, electronics, and valuables. These plans are affordable, easy to buy, and help renters safeguard their possessions even if they don’t own the property itself.

Home insurance is not legally mandatory. However, it is highly recommended for homeowners and tenants due to rising repair costs and increasing risks from natural calamities or theft. In some cases, banks may require home insurance when approving a home loan to secure the financed property.

Premiums are based on factors such as property location, construction type, carpet area, age of the building, insured value, and type of coverage selected. Policies covering both structure and contents may cost more. Long-term policies often offer better rates compared to annual renewals.

Yes. Most comprehensive home insurance policies include coverage for natural calamities such as earthquakes, floods, cyclones, and landslides. However, some insurers may offer these protections as optional add-ons, so it’s important to review your policy or include disaster cover if you live in a high-risk zone.

Common exclusions include normal wear and tear, damage due to poor maintenance, intentional harm, and losses caused by war or nuclear events. Certain high-value items like jewelry may require additional riders. Always review the exclusions section to understand exactly what is not covered under your policy.
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