Get a Home Insurance to have peace of mind.

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(State market value for a flat and construction cost for independent house)
(Excluding Jewellery)
Property details

Why buy Home Insurance?

It covers the structure of house and the contents which include all possessions against damage from fire, natural calamities like floods, earthquake, storm and man-made events like riots, strike, thefts, burglary, arson etc. It also provides liability coverage against accidents in the home

What does a standard Homeowner’s Policy Cover?

Fire & Smoke


Damage from weight of ice, snow or sleet


Hail & Windstorms

Leaking Proofs

Falling objects such as rocks or trees



Riots or vandalism

Frozen interior plumbing

Power surges

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For Tenants

As a Tenant you can take an Insurance for the Contents of your Rented House. This includes Furniture & Fixture, Electronic Items, Jewellery etc.

For Owners

As House Owner you can insure the Building/Structure of your House along with the Contents available in the House together under a single policy.

For Housing Society

As office bearers of Housing Society, it’s important to take insurance of the Building/Structure and other buildings within the complex. This is mandatory requirement of various local laws governing housing societies.

Key Benefits of Home Insurance

For Building and Contents

Fire, explosion, lighting, riots, strike, Storm, Cyclone, Flood, Earthquake, Burglary and Theft Cover

Laptop and Mobile

Theft, burglary, accident damages, electrical and mechanical breakdown while at home or on the go.

Electronics & Appliances

Electrical, mechanical breakdown and accidental damages

Jewelry and Precious items

Theft, burglary while at home or bank locker or in use

Exclusions in Home Insurance

Loss or damage caused by war, civil war and related perils.

Loss of Cash.

Loss or damage caused by wear & tear and depreciation.

Any pre-existing damages such as wear and tear of any other defect.

Theft or attempted theft from open spaces, garden, yards, etc.; unless the contents thereof are specifically mentioned in the policy document

Quote Forms


Value of Structure

Build up Area sq. ft.

Age of Building

Floor Type/Bunglow


Value of Non-Portable Equipment's

Value of Portable Equipment's

Value of Art & Curious Items

Value of Jewellery


Value of Structure

Build up Area sq. ft.

Age of Building

Floor Type/Bunglow

Value of Jewellery

Value of Non-Portable Equipment's

Value of Portable Equipment's

Value of Art & Curious Items

Get the SafeTree Advantage

Risk Janampatri

Safetree has developed a tool which prepares a Risk Janampatri which defines risk profile and aptitude of the customer.

Customized Plans

SafeTree has compared quotes from various reputed insurers and based on risk profile, Building, a customized need-based solution is offered.

Smooth Claim Process

Dedicated team to support smooth claims process and provide complete assistance

Regular Updates

We will provide you support to further strengthen your protection on the changing nature of risk.


Get answers to the most frequently asked questions

Fire and other perils (normally covered under a fire insurance policy) can cause loss/damage to buildings. There have been fire accidents that have destroyed multi-storied buildings. Floods can also bring about devastating losses. Similarly, Riots, Acts of Terrorism can also produce huge losses to human lives as well as property.

No. When you apply for a Home insurance policy, the current market value of the property or the Reinstatement value of the property, depending upon the basis of the Sum Insured, should be accurately calculated for arriving at the correct amount to be insured. The compensation payable when a covered loss or damage occurs shall be based on whether or not the property has been insured adequately. If the amount insured is excessive, it will mean overpayment of unnecessary premium; if the amount insured is inadequate you will receive amounts in proportion to the market value only.

Insurers offer ‘All Risks’ policy for covering Jewellery. You must ensure that your Jewellery is valued correctly and you are able to show proof of valuation if there is any claim. An All Risks policy also has exclusions, so go through the terms and conditions thoroughly.

A burglary insurance policy covers goods against the risk of burglary. A burglary insurance policy may also offer extension of cover against theft. A burglary insurance policy will usually cease to operate if the house is not occupied beyond a certain defined period unless you have intimated the insurance company and they specifically agree to extend the cover even when the house is not occupied. It’s a good idea to ensure that you have a burglary policy always rather than opting for one only when you are away. You might not get one if you want to insure the contents only when the house is locked.

In the event of a claim, each insurer will pay the loss amount in proportion to the Sum Insured under their respective policies, in accordance with the principle of contribution. The object of the principle of indemnity is to place the insured in the same place as he occupied prior to occurrence. Insured is prevented from making claim for full amount of loss under each policy. Insurance company indemnifies the insured only to the extent of actual loss suffered subject to depreciation, policy excess etc., and not permit to make profit out of a loss.


It is better to wait till term gets over and then you should change the insurance company.

The cost of a Comprehensive Home Insurance plan is calculated on various aspects like the Agreed Value of your Building, Value of Content and Jewellery etc.

You have to give the following information;

  • Agreed Value of the Building/Structure.
  • Constructed area in sq. ft. and type of construction.
  • Details of all assets & equipment like furniture, electronic equipment, air conditioners/ refrigerator, jewelry along with year of purchase and purchase price.

Yes, you can insure the structure. As far as contents are concerned the tenant can get these insured as he is the owner of those assets.

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