India mein sirf 1% ghar insured hain — ek baar ki aag ya baadh poori zindagi ki savings khatam kar sakti hai. Fire, Flood, Burglary, Earthquake, Liability aur Contents — sab ek policy mein.
Whether you own or rent, live in an apartment or villa — your home and everything inside it needs protection.
From the bricks and beams to every piece of furniture inside — we cover every risk your home faces.
From a studio apartment to a large villa — we have the right plan for every home and every budget.
| Coverage Feature | Renters Shield | Home Complete | Premium Villa |
|---|---|---|---|
| Building / Structure | Up to ₹1Cr | Up to ₹5Cr | |
| Home Contents | Up to ₹10L | Up to ₹25L | Up to ₹1Cr |
| Fire & Allied Perils | Contents Only | Full | Full |
| Flood & Monsoon Damage | |||
| Earthquake & Landslide | |||
| Burglary & Theft | |||
| Jewelry & Valuables | Up to ₹2L | Up to ₹10L+ | |
| Public Liability | ₹5 Lakh | ₹25 Lakh | |
| Alternate Accommodation | 90 Days | 12 Months | |
| Domestic Worker Cover | |||
| 24×7 Claims Support | Priority | ||
| Starting Premium | ₹1,200/year | ₹3,500/year | ₹8,500/year |
Smart choices before and during purchase can reduce your home insurance premium by up to 40%.
A monitored security system, CCTV, and good locks can reduce burglary add-on premium by 10–20%. Insurers reward proactive security.
Save 10–20%Smoke detectors, fire extinguishers and sprinkler systems can lower your fire premium. A simple detector costs ₹800 and saves thousands.
Save 5–15%Buying a 2 or 3 year policy at once typically saves 10–15% versus annual renewal. Also protects against premium rate increases.
Save 10–15%Agreeing to pay the first ₹5,000–₹10,000 of a claim yourself (deductible) can reduce your premium by 10–25% significantly.
Save 10–25%Buying home insurance along with your car insurance or life insurance from the same insurer often yields a 5–12% multi-policy discount.
Save 5–12%Every claim-free year earns you a 5–10% NCB (No Claim Bonus) discount at renewal. After 5 years without a claim, you can save up to 50%.
Save up to 50%When disaster strikes your home, the last thing you need is paperwork stress. We handle everything.
We compare home insurance from 20+ IRDAI-registered insurers to get you the best coverage at the lowest premium.
We compare home insurance policies from 20+ IRDAI-registered insurers across coverage, premium, and claim ratio. No preferred insurer, no hidden agenda.
We understand the unique risks of Uttarpradesh — Seismic Zone IV, monsoon floods, landslides. We recommend covers that actually matter for your location.
When your home is damaged, you're already stressed. We handle every claim step — surveyor coordination, insurer follow-up — until money is in your bank.
Our service is completely free to you. You pay only the insurer's direct premium — or better — through our volume relationships with top insurers.
Insurance policies are full of jargon. We translate every clause into simple Hindi and English — so you know exactly what's covered before you pay.
We remind you before renewal, re-shop the market for better rates, and review whether your coverage has kept up with your home's increased value.
Tell us about your home — our advisor will compare 20+ insurers and present the best coverage options within 24 hours. Completely free, zero obligation.
Home insurance is NOT legally mandatory in India currently. However, many home loan lenders require you to insure the property (at least the structure) as a condition of the loan. Even without a loan, it is strongly advisable — especially in Uttarpradesh which is in Seismic Zone IV with high risk of earthquake, landslide, and monsoon flooding. The cost is very low relative to the protection it provides.
Absolutely yes! As a tenant, the landlord's insurance only covers the building structure — not your furniture, electronics, clothes, jewelry, or personal belongings inside. A Contents-only or Renters Shield policy starting from just ₹1,200/year covers everything you own inside the rented home. If your laptop, TV and furniture worth ₹5–8 lakhs were stolen tonight, would you recover without insurance? One burglary would cost more than 10 years of premium.
Home insurance premium depends on: (1) Type of coverage — structure only, contents only, or both; (2) Sum insured — replacement cost of building and/or market value of contents; (3) Location — flood zone, seismic zone, urban/rural; (4) Age and type of construction — RCC vs. older construction; (5) Security measures — CCTV, locks, alarms; (6) Claims history. Typically, premium is 0.05–0.15% of the building's sum insured per year. A ₹50 lakh home can be insured from ₹2,500–₹7,500 per year.
Yes, but it's an add-on in standard policies. Flood, inundation, storm, cyclone, and tempest damage is covered under the "STFI" (Storm, Tempest, Flood, Inundation) add-on. For homes in Ghaziabad and Uttarpradesh where monsoon flooding is a real and regular risk, this add-on is ESSENTIAL and we strongly recommend it for every policy. The additional premium is minimal — typically ₹200–800 extra per year.
Ghaziabad and the entire Uttarpradesh state fall in Seismic Zone IV (Very High Damage Risk) and Zone V in some areas. Earthquake coverage is an add-on to the standard fire policy. Given the seismic risk, we STRONGLY recommend adding earthquake cover to every home policy in Uttarpradesh. It also covers landslide damage which is extremely common during monsoon in hilly areas. The additional premium for earthquake add-on is typically 0.02–0.05% of sum insured per year — very affordable.
Under-insurance is a serious problem. If your home is worth ₹50 lakhs but insured for only ₹25 lakhs (50% of actual value), the insurer will only pay 50% of any claim — even small ones. Example: ₹5 lakh loss = you receive only ₹2.5 lakh. Car Spider helps you calculate the correct replacement cost so you are never under-insured. We review and update your sum insured at every renewal as construction costs rise.
Yes — jewelry, gold, and valuables are covered under the burglary section, but usually with a sub-limit (e.g., 25% of contents sum insured or ₹2 lakhs, whichever is lower). For high-value jewelry, you can declare each item specifically to get full coverage. A detailed inventory with photos, purchase bills, and valuation certificates helps in claim settlement. Our advisors guide you through this valuation process carefully.
Standard home insurance policies are issued as digital policies within 24 hours of premium payment — no physical inspection needed for sums up to ₹1 crore. For high-value properties above ₹1 crore, a brief property inspection may be required (3–5 days). Car Spider manages the entire issuance process — you only need to share basic property details and the policy lands in your email inbox.