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  • Overview
  • Features And Benefits
  • Types of Home Insurance
  • Coverages
  • Compare Plans
  • Premium Components
  • Eligibility and Required Documents
  • Buy / Renew
  • Claim Process
  • Terminologies
  • Policy Download
  • FAQs

What is Home Insurance?

Home insurance protects the house against various man-made, natural disasters and other related threats through an agreement between the house owner and the insurance company

  • The challenges such as unpredictable heavy rains, sudden floods, fire, theft and so on can cause damage to your hard-earned home
  • Home insurance saves the day by covering the house against mishaps. If the insurer pays the home insurance premium in a timely manner, the insurance company will reimburse the policy holder for any unanticipated losses sustained by them in accordance with the policy's terms
  • Home insurance in India is not mandatory. However, it is highly recommended to safeguard your family's financial investment
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Nil Pending Complaints

Over 60 Lakh
Happy Customers

Why Choose Shriram Home Insurance?

  • Shriram Home Insurance policy is issued to offer comprehensive home and contents protection against various mishaps at an affordable rate
  • Stay worry-free with our long-term home insurance policy coverage options. Purchasing a Shriram Home Insurance policy online is quite easy and convenient
  • Shriram Home Insurance policy provides quick claims services, with a minimum turnaround time of one working day for all claim-related queries
  • We cover natural calamities like earthquakes, floods, cyclones, storms and lightning with Shriram Home Insurance policy
  • Our digital-friendly home insurance policy also covers damages due to fire, explosions, theft, etc. Shriram Home Insurance policy has several add-ons for home and contents at a nominal additional premium
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Shriram Home Insurance Coverages


Shriram Home Insurance Coverages

Provides coverage only for the structure of the building


Building & Contents Cover

Provides coverage for both the building and its belongings


Contents Only Cover

Provides coverage only for the belongings of the premises insured

How to Calculate Shriram Home Insurance Premium?

Shriram Home Insurance premiums are determined by variables such as construction area, location and size of the building, the value of building and contents, insurance plan opted and add-on coverages

Construction Area

The location of the building, the size of the construction area and the estimated cost of the building are the major factors in calculating the home insurance premium

Value of Contents

The value of the contents insured will also be taken into account for the home insurance premium calculation

Type of Insurance

The cost of the premium depends on the type of insurance plan chosen by the insured. One can choose an insurance policy based on the risk coverage needed


Add-ons can be selected according to individual needs. The premium will be the sum of the basic policy and the add-ons

Benefits of Renewing Shriram
Home Insurance

Renewal of a home insurance policy is quick and easy with Shriram General Insurance's digital platform. One can purchase or renew their home insurance in just a few steps. On-time renewal offers the following benefits:

  • No insurance break-ins
  • Continuity of coverage
  • Easy and quick claims
  • Get additional benefits
  • Stay protected without stress

How to Save on your Shriram Home Insurance Premium?

There are several ways to save the cost of your home insurance premiums. By taking these factors into consideration, individuals can save on their home insurance premiums


Installing Safety Gadgets

Installing home safety gadgets reduces the chances of burglary or theft. As a result of the decreased risk, the home insurance premium will also be reduced


Research and Compare Plans

Check on several risk coverage plans available to protect your dream home and buy the right home insurance plans that suit your requirements


Purchase Bundle Policies

One can purchase a home insurance policy along with their motor insurance from the same insurer as a bundled policy

Frequently Asked Questions

Are structure and building the same in home insurance?

Yes, structure and building both relate to the physical components of the home, such as pillars, doors, walls and so on

What should I do if my house is damaged?

If your home has been damaged by an event such as fire, robbery, storms, floods or earthquakes. Please call our toll-free number right away. Shriram Home Insurance team will take care of all the coverage needs

How is the sum insured for the building is calculated?

The building's total sum insured is calculated by considering the insured building's per square metre area and the construction cost of the building


Low-cost Premium

Affordable premium to protect your dream home

Digital-friendly Process

A seamless digital platform for all home insurance needs

Round-the-clock Assistance

Avail of 24*7 customer support in no time

Instant Claim Settlement

Easy and quick claim procedure for a timely settlement

Easy Survey Procedures

Home insurance surveys are done within a short span

Explore Coverage Options

Extensive coverage options are available to choose

Benefits of Shriram Home Insurance

Comprehensive Coverage Options

  • Wide range of coverage options for an exclusive home protection

Zero Paperwork

  • A digital process with minimal documentation

Worth every Penny

  • Affordable premium with comprehensive home building coverage

Superfast Claim Settlement

  • A painless claims process with the dedicated survey team

Timely Customer Assistance

  • 24*7 claim support to deliver the timely claim settlement

Frequently Asked Questions

What is burglary cover in home insurance?

A home insurance cover that protects the home and its contents from any losses that occur due to the burglary

If I change my address, do I have to inform the insurer?

Yes, fire insurance cover is location specific, hence it is mandatory for a tenant to inform the insurer

What are the benefits of Shriram Home Insurance?

  • A one-stop-solution for all home building and contents protection
  • Easy application process with minimal paperwork
  • Comprehensive coverage at an affordable premium
  • Provides liability coverage for the insured property premises
  • Stress-free claim settlement process with the quick survey assistance
  • Instant customer assistance for all home insurance queries

Purchasing Shriram Home Insurance online is an easy and stress-free process with our digitalfriendly platform. Shriram Home Insurance policy offers a wide range of coverages depending on the scope of the chosen policy

Types of Shriram Home Insurance Coverages

Home Building Only Cover

Home Building cover can be purchased by the owner, tenant and lessee to protect their building against various damages

Purchase Home Building Only Cover, if someone

  • Owns the structure
  • Occupy the home as purchaser under an agreement of sale
  • An authorized occupier of the home or a tenant under an agreement in writing and are liable for insurance
  • Structure is occupied by a tenant, a licensee and an employee
  • Man-made Disasters

Home (Building & Contents) Cover

Home (Building & Contents) policy cover provides coverage against Home Building and Home Contents from any unforeseen incidents such as fire, burglary/theft, natural and man-made disasters

Purchase a Home (Building & Contents) Cover, If someone

  • Own the structure and articles
  • Occupy the home as a purchaser under an agreement of sale
  • An authorised occupier of the home, a tenant, a lessee, a licensee, an employee, etc.
  • Purchased the articles or things under instalment or hire purchase system or on a lease

Home Contents Only Cover

A tenant, lessee, licensee or employee can purchase the Home Contents Cover to protect the belongings of the property against various unfavourable incidents

Purchase Home Contents Only Cover, If someone

  • Own the articles or things
  • Purchased the articles or things under instalment or hire purchase system or on a lease
  • Responsible for the articles or things as part of the written policy contract

Shriram Home Insurance Add-on Covers

Cover for Valuable Contents on Agreed Value Basis (under Home Contents Cover)

This add-on policy covers valuable content such as jewellery, silverware, paintings, artworks, etc. If valuable contents are physically damaged by any insured event, the cost of repairing the item will be paid by the insurer

Personal Accident Cover

If the insured event that caused damage to the home or its contents resulting the death of the insured person or their spouse, compensation of 5 Lakh will be paid to each person

Burglary/House Breaking

Burglary policy covers any loss or damage that occurs due to burglary or house-breaking (theft following upon an actual forcible and violent entry/exit from the premises) or damage caused to the premises

Employee’s Compensation

According to the Employee Compensation Act, 1923, the employer provides the compensation payment to their employees (for their dependents in the event of fatal accidents happening on the insured premises) With this employee compensation add on, the insurer will be taking the responsibility of paying the compensation to the affected employee (T&C apply)

Plate Glass and Sanitary Fittings

The plate glass covers, if there is an accidental breakage of any of the glass or sanitary fittings mentioned in the policy guidelines. In such cases, the insurer will pay the reinstatement value of a glass plate as per the sum insured

All Risk

All-risk policy covers laptops, mobiles and other valuable items like jewellery, cameras and items of similar nature that are exposed to losses due to an accident

Breakdown of Electrical and Mechanical Appliance

We often go through incidents in our daily life such as electrical and mechanical appliances breakdown. Whereas, having Home Insurance can help to overcome these losses under the Breakdown of Electrical and Mechanical Appliance coverage

Electronic Equipment Insurance

All electronic equipment like computers, medical, biomedical, microprocessors, audio/visual equipment will be covered by this add-on


The policy pays for the loss of or damage to luggage caused by an accident, a break-in, a theft or a personal mishap while the person is on a trip anywhere in the territory covered by the policy

Public Liability

Under the public liability cover the company indemnifies the insured against their legal liabilities such as personal injuries, loss or damage to property and insured’s death to pay compensation including claimant's costs, fees and expenses anywhere in India, in accordance with Indian Law

Frequently Asked Questions

If three people share an apartment, can each one take a separate policy?

Yes, each can buy a separate policy for the protection of their own assets against various unforeseen incidents

  • What does the Shriram Home Insurance Cover?
  • What does the Shriram Home Insurance Not Cover?

Explosion/implosion, fire and lightning


Riots, malicious property damage and terrorism


Natural disasters such as tempest, tornado, storms, cyclones, typhoons, hurricanes, floods, inundations and earthquakes are all examples of natural disasters


Damage caused by an external object's impact (e.g. vehicle, falling tree, etc.)


Water tanks, apparatus and pipes bursting and/or overflowing


Theft that occurs within 7 days of the insured event


Conflict, invasion, foreign enemy operations or violent activity


Violation of the law with criminal purpose


Radioactive, poisonous and explosive compounds


Any type of purposeful misconduct or negligence

Note: For a complete inclusion/exclusion list, please refer to the policy wording document

Frequently Asked Questions

What is an indemnity basis plan in home insurance?

The damage or loss to the insured home building or contents claimed after deducting wear and tear charges


Benefits and Coverages

Home Building Only Cover

Home Contents Only Cover

Home (Buildings & Contents) Cover

Fire damage to the building due to an accident


Damage to the contents inside the building due to fire


Damage to building due to natural calamities


Theft of the contents


Damage to the contents due to external impact


Damage due to purposeful negligence


Can a homeowner/landlord buy this cover?


Can a tenant buy this cover?




Frequently Asked Questions

Does a tenant need Home Contents Only cover?

In the event of a fire or flood, the home's belongings are at risk as much as the house's structure. Home contents should be insured against losses caused by fire, earthquakes, floods, riots, and so on. Hence, it is wise to purchase a Home Contents Cover


A premium is an amount paid to an insurer for the purchase of a policy. The premium for Shriram Home Insurance is calculated based on several factors, such as the area, the cost of construction, the estimated value of the home and its contents, building cover, contents cover and add-ons

Type of Policy

Home insurance covers both buildings and contents, whereas homeowners can insure both, but a tenant can cover only the contents like home appliances, jewellery and others. In addition, a homeowner, as well as a tenant, can opt for add-on covers.

Construction Value

Shriram Home Insurance premium is calculated based on several factors such as area (sq. ft), cost of reconstruction (per sq. ft.) and the estimated value of the properties

Value of Contents

The premium for a Home Contents Only policy depends on the number of contents covered and their current value

Term Period

The insurance policy's term period is a significant factor in calculating home insurance premiums. Policy term will determine the insurance premium



One can choose add-on covers for additional risk coverage at an additional premium along with Shriram Home Insurance. Some of the Home Insurance add-ons include All risk coverage, Fire and other perils and so on

Frequently Asked Questions

Is home insurance and commercial building insurance the same?

No. A commercial building will be covered only by commercial building insurance whereas a home building covered by home insurance


Home insurance is essential for every homeowner; any person or firm can take this policy. One can purchase the Home Building Cover if they own or are a tenant of the Home Building and are liable for insurance. One can also purchase Home Contents cover for articles or things in their home


You can Purchase this Cover for Home Building only if

  • You own the structure
  • You are occupying the home as a purchaser under an agreement of sale
  • You are an authorised occupier of the home
  • Your structure is occupied by a tenant, a licensee or your employee
  • You are a tenant under an agreement in writing and are liable for insurance


You can Purchase this Cover for Home Contents only if

  • You are the owner of the articles or things
  • You have purchased the articles or things under an instalment or hire purchase system or on a lease
  • You are responsible for the articles or things as part of the written employment contract. Thus, a tenant, lessee, licensee or employee can purchase the Home Contents cover

Note: One can purchase Home Building insurance cover if your building is used for residence. If you carry on commercial activity by employing other persons, you must purchase another insurance cover for commercial premises

Documents Required for Home Insurance Claims

  • Pictures of the damaged property
  • Invoices of owned belongings, rent agreement (if a tenant)
  • Insurance copy (Optional)
  • FIR/Panchnama/Bail paper/Charge sheet
  • Fire Brigade report in case of loss by fire
  • Claim Form duly filled and signed
  • Estimate, Bills, Payment receipt and Discharge voucher
  • Signature ID proof (Insured)
  • Customer's bank details with a cancelled cheque for claim payment through (NEFT)
  • Customer's bank details with a cancelled cheque (Where the Premium is greater than (>) 25,000/-)
  • Others (If required by the claims team, depending on the severity of the accident)

Frequently Asked Questions

How does a home insurance policy work?

If your property meets the following requirements, you may purchase this policy:

  • Registration is required for residential properties
  • Every aspect of its construction should be completed
  • Buy Shriram Home Insurance Online
  • Renew Shriram Home Insurance Online

Click and buy a Shriram Home Insurance policy online via 3 simple steps on the SGI website/MySGI App/call our toll-free number ( 1800-300-3000/ 1800-103-3009) at your convenience


Provide the basic details to estimate the premium

Kindly provide the basic details such as the Name of the insurer, Mobile Number, Build Up Area (sq. metre), Construction Cost (₹/sq. metre), Period of Insurance, Sum Insured and Policy Cover


Enter the additional details required

Please enter the required address details to continue the process further


Complete the online payment and get instant home insurance

Kindly complete the online payment by selecting the preferred payment method (Debit Card, Credit Card, Net Banking) and get Shriram Home Insurance in a few minutes

Shriram Home Insurance can be renewed by visiting Shriram General Insurance’s branch office or by calling the toll-free number 1800-300-3000/1800-103-3009) at your convenience


Approach the SGI branch office/dial the toll-free number

You are kindly requested to approach the respective authority for your home insurance renewal


Please submit your existing policy details

You are requested to submit the existing policy details to our customer care representative/branch office personnel to renew your home insurance at ease


Complete the payment and renew your home insurance instantly

Kindly complete the payment by selecting the preferred payment method (Cash, Cheque, Debit Card, Credit Card or Net Banking) and get your Shriram Home Insurance renewed

Frequently Asked Questions

What are the methods available to pay the Shriram Home Insurance policy premium?

    The payment methods available currently are as follows:

  • Cash
  • Cheque
  • Internet Banking
  • Debit Card
  • Credit card

Shriram Home Insurance policy offers an easy and quick claim settlement process at the convenience of your fingertips. We provide round-the-clock assistance for all the claim related queries

Get your Shriram Home Insurance Claim Settlement in 3 Simple Steps

  • Step 1
  • Step 2
  • Step 3

Register Your Claim

  • Register a claim online on Shriram General Insurance website or over the phone at 1800-300-30000/1800-103-3009 or through the MYSGI App

  • You will be contacted by the customer service team and guided throughout Shriram Home Insurance online claim process

Submit the Required Documents

Documents such as Shriram Home Insurance policy, invoices of owned belongings, rent agreement (if a tenant), repair bills, fire brigade report (in case of fire), identity proof, FIR (if any) and pictures of the damaged property need to be submitted to proceed further

Survey and Claim Settlement

After receiving the documents, our dedicated survey team will initiate the validation process. Once the survey is done, the funds will be directly sent to the recipient after verification

Benefits of Shriram Home Insurance Online Claim Process

  • Instant Notification of Claims
  • Quick Claim Settlement
  • Seamless Claim Procedure
  • On-time Customer Assistance
  • 24*7 Online Support

Frequently Asked Questions

Can I claim for home belongings losses?

Yes. If one has a Home Contents Only cover or a Home (Building & Contents) cover can claim for home belongings losses

How can I register a claim online?

  • A claim can be filed online on Shriram General Insurance website or by calling 1800- 300-30000/1800-103-3009 or by using the MYSGI app
  • Shriram Home Insurance customer service team will assist you through the online claim process

When is an FIR necessary to register a claim?

An FIR is necessary in the case of theft, fire, burglary, strike, riot and malicious activities


In home insurance, building refers to the physical structure of the house


The contents of the house are its personal belongings. The home insurance will also cover belongings like furniture, jewellery, art works and appliances

Tenant Insurance

Tenant home insurance is for people who lives in a rental house. This policy covers the renter's belongings, liabilities and extra living costs, if an insured loss or damage happens


An insurance claim is a formal request for reimbursement from the insurance provider for all the insured losses

Frequently Asked Questions

What is the reinstatement value of home insurance?

The cost of replacing or reinstating the insured property of a similar type but not providing more extensive features/contents than the insured property at the time of purchasing the insurance


Step 01

Visit the SGI website/MYSGI App home page and scroll to the top to access your Shriram Home Insurance account

Step 02

Enter your home insurance policy number and click "Download" to get your policy document

Note: An insured can also receive Shriram Home Insurance policy document via email too

Why home insurance is necessary?

It is important to have a home insurance policy to protect the property against losses and damages that may occur in the event of burglaries, fires, floods, storms and earthquakes

What are the benefits of buying Shriram Home Insurance online?

  • Purchase home insurance online anytime, anywhere with Shriram General Insurance
  • Research, compare and buy the most suitable policy according to the requirements
  • Affordable premium with minimal documentation
  • A digital-friendly process for a quick claim settlement

What is the age limit to buy Shriram Home Insurance?

No. There is no age restriction for buying Shriram Home Insurance

What are the coverages available with home insurance?

Home Building Only Cover

Home Contents Only Cover

Home (Building & Contents) Cover

What does Home Building Only cover provide?

One can purchase the Home Building Cover if he/she is the owner or tenant of a home building. Home contents insurance can also be purchased for valuable items in a home

On what basis Shriram Home Insurance policy premium is calculated?

The premium calculation is based on the total area of the premises insured and the total cost of the building construction

Can I pay my Shriram Home Insurance policy premium in instalments?

No. Shriram Home Insurance policy premium must be paid as a single payment before the risk starts

What is the maximum timeframe for the claim survey?

Depending on the area of the insured premises, it will take a maximum of 7 days to submit the survey report

What are the benefits of Shriram Home Insurance online claim process?

  • Quick intimation of claims
  • 24*7 claim support
  • Cashless claim settlement
  • Easy survey procedures
  • Updated claim status

What is the maximum period of Shriram Home Insurance policy?

The maximum period of a Shriram Home Insurance’s building only cover is 10 years

Can I add additional covers after two years of home insurance policy purchase?

Yes. The add-ons can be included even after the purchase of the home insurance policy for an additional premium

What our customers say ?

Rajesh kumar says,

Thank you for your service. Shriram General Insurance offers great customer service. Quick and hassle free claim process by SGI made my life easy during the difficult period.

Kishore kumar says,

Thank you for your service. Shriram General Insurance offers great customer service. Quick and hassle free claim process by SGI made my life easy during the difficult period.

Rajesh kumar says,

Thank you for your service. Shriram General Insurance offers great customer service. Quick and hassle free claim process by SGI made my life easy during the difficult period.

Rajesh kumar says,

Thank you for your service. Shriram General Insurance offers great customer service. Quick and hassle free claim process by SGI made my life easy during the difficult period.

Rajesh kumar says,

Thank you for your service. Shriram General Insurance offers great customer service. Quick and hassle free claim process by SGI made my life easy during the difficult period.

Rajesh kumar says,

Thank you for your service. Shriram General Insurance offers great customer service. Quick and hassle free claim process by SGI made my life easy during the difficult period.


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IRDAI Consumer Education:- Insurance is the subject matter of solicitation. IRDAI Registration Number - 137. CIN No. U66010RJ2006PLC029979. BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS. IRDAI clarifies to public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.

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