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Home Insurance

Protect Your Home, and What Matters Inside It

Your home is often one of your most valuable assets. Home insurance helps protect the structure of your house and the belongings inside it from unexpected events such as fire, natural disasters, burglary, and accidental damage.

At HawkSarthi, we assist homeowners and tenants in evaluating suitable home insurance options from multiple insurers based on property value, location, and coverage needs.

Guiding Wealth. Guarding Futures.

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HawkSarthi
HawkSarthi
HawkSarthi
HawkSarthi
HawkSarthi
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Partnering with India’s Leading Home Insurers

We help you access home insurance solutions from leading general insurers in India.

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Why It Matters

Many Homeowners Insure Their Vehicles but Often Overlook Protecting Their Homes

Unexpected events can lead to significant financial loss. Home insurance helps provide financial protection for your property and personal belongings.

Home insurance helps protect against:

Fire and Explosion

Damage caused by fire, explosion, or related incidents to the structure and contents.

Natural Disasters

Earthquakes, floods, storms, and landslides that can damage your home structure.

Burglary and Theft

Financial compensation for loss of household items due to theft or burglary.

Household Contents

Coverage for furniture, electronics, appliances, and other valuables inside the home.

Third-Party Liability

Protection against liability for injury to third parties inside or around your property.

Coverage Types

Types of Home Insurance Coverage

Home insurance plans can cover the building structure, household contents, or both — depending on your needs.

Structure Insurance
Protects the building structure against fire, earthquake, flood, and natural disasters.
Best For: Homeowners
Contents Insurance
Covers furniture, electronics, appliances, and valuables inside the home.
Best For: Homeowners and Tenants
Comprehensive Home Insurance
Covers both the building structure and all household contents in a single policy.
Best For: Most Homeowners
Tenant Insurance
Covers personal belongings of tenants regardless of who owns the property.
Best For: People in Rented Homes
Landlord Insurance
Covers the property structure and liability when the property is rented to tenants.
Best For: Property Investors
Policy Coverage

What a Home Insurance Policy Typically Covers

Understanding the risks your policy protects against helps you choose the right coverage level.

Fire and Explosion
Damage caused by fire or accidental explosions
Natural Disasters
Floods, earthquakes, storms, and landslides
Burglary and Theft
Loss of household items due to theft or break-in
Electrical Damage
Damage due to electrical short circuits
Impact Damage
Damage caused by vehicles or external impact
Riot and Strike Damage
Damage caused by riots or civil disturbance
Contents Coverage

Household Contents That Can Be Covered

Home insurance can protect the value of many household belongings.

Furniture
Sofas, beds, dining tables, wardrobes
Electronics
TVs, laptops, music systems, cameras
Appliances
Refrigerators, washing machines, air conditioners
Kitchen Equipment
Microwave ovens, induction cooktops
Valuables
Jewellery and artwork (subject to declared limits)

Coverage for contents depends on the policy structure and declared items. Valuables such as jewellery may have sub-limits and may require separate declaration.

Add-Ons & Riders

Important Add-Ons and Optional Covers

Add-On What It Covers Why It Is Useful
Jewellery and Valuables Cover Higher coverage for jewellery and precious items Protects high-value assets beyond standard limits
Accidental Damage Cover Accidental breakage of household items Useful for expensive electronics and fragile items
Portable Equipment Cover Laptops, cameras, and equipment used outside the home Ideal for professionals and frequent travellers
Temporary Accommodation Cover Hotel or rental stay costs if home becomes uninhabitable Useful after major damage events
Tenant Liability Cover Damage caused by tenants to landlord property Useful for people living in rented homes
Loss of Rent Cover Compensates for rental income loss after property damage Important for landlords and property investors

Factors That Affect Home Insurance Premium

Factor Impact
Property value Higher reconstruction cost increases the premium
Location of property Risk exposure based on flood, earthquake, or disaster zones
Construction type RCC vs other construction types affects risk assessment
Coverage for contents Higher value belongings increase the contents premium
Add-ons selected Additional protection features increase the total premium
Standard Home Insurance Policy

Bharat Griha Raksha Policy

Insurance companies in India offer a standard home insurance product designed to provide protection against fire and natural disasters.

Covers building structure and household contents
Standardised coverage across insurers
Protection against common risks — fire, flood, earthquake, and storms

The sum insured is typically based on the reconstruction cost of the property, not the market value.

Our Advisory Role

How HawkSarthi Helps

Home insurance needs can vary significantly depending on property value, location, and personal belongings. We help you navigate the options.

Understand Your OptionsUnderstand different home insurance options and what suits your situation.
Estimate Suitable CoverageEstimate suitable coverage for property structure and household contents.
Compare PoliciesCompare policies from multiple insurers for coverage and value.
Select Suitable Add-OnsSelect appropriate add-ons based on your property and lifestyle.
Policy Purchase and RenewalsAssist with policy purchase, documentation, and renewals.
Common Questions

Frequently Asked Questions

Home insurance is generally optional in India and not mandated by law. However, it can help protect against major financial loss arising from unexpected events such as fire, floods, or burglary. Some lenders may require home insurance as a condition for a home loan.

Yes. Even if the building structure is insured by the property owner, tenants can purchase a contents insurance policy to protect their personal belongings such as furniture, electronics, and appliances. Tenant insurance is specifically designed for this purpose.

For building cover, the sum insured is typically based on the cost to rebuild or reconstruct the structure, not the current market value of the property. This is called the reinstatement value. Insuring at the correct reconstruction cost is important to avoid under-insurance in the event of a claim.

Have more questions about home insurance coverage?

Speak with Our Team →

Protect Your Home and Valuables

A home insurance policy can help safeguard both your property and the belongings inside it from unexpected events. Speak with our team to understand suitable coverage options for your home.

  • Coverage suited to your property type and location
  • Understanding structure vs contents protection
  • Selecting the right add-ons for your needs
Get Home Insurance Quote

  Important Disclosure

Home insurance is subject to policy terms, conditions, and underwriting guidelines of insurers. Coverage descriptions and comparisons shown on this page are indicative only and do not constitute financial advice. Actual policy benefits, premiums, and coverage may vary based on individual eligibility, property type, location, and insurer norms. The Bharat Griha Raksha policy is a standardised product; terms may vary by insurer. Please read all policy documents carefully before purchasing.