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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
Nil Pending Complaints
Over 60 Lakh
Happy Customers
Provides coverage only for the structure of the building
Provides coverage for both the building and its belongings
Provides coverage only for the belongings of the premises insured
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
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
The value of the contents insured will also be taken into account for the home insurance premium calculation
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
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:
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 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
Check on several risk coverage plans available to protect your dream home and buy the right home insurance plans that suit your requirements
One can purchase a home insurance policy along with their motor insurance from the same insurer as a bundled policy
Yes, structure and building both relate to the physical components of the home, such as pillars, doors, walls and so on
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
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
A home insurance cover that protects the home and its contents from any losses that occur due to the burglary
Yes, fire insurance cover is location specific, hence it is mandatory for a tenant to inform the insurer
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 cover can be purchased by the owner, tenant and lessee to protect their building against various damages
Purchase Home Building Only Cover, if someone
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
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
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
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 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
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)
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 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
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
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
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
Yes, each can buy a separate policy for the protection of their own assets against various unforeseen incidents
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
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? | | | |
Add-ons | | | |
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
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.
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
The premium for a Home Contents Only policy depends on the number of contents covered and their current value
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
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
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
If your property meets the following requirements, you may purchase this policy:
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
The payment methods available currently are as follows:
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
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
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
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
Yes. If one has a Home Contents Only cover or a Home (Building & Contents) cover can claim for home belongings losses
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 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
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
Visit the SGI website/MYSGI App home page and scroll to the top to access your Shriram Home Insurance account
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 tooIt 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
No. There is no age restriction for buying Shriram Home Insurance
Home Building Only Cover
Home Contents Only Cover
Home (Building & Contents) Cover
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
The premium calculation is based on the total area of the premises insured and the total cost of the building construction
No. Shriram Home Insurance policy premium must be paid as a single payment before the risk starts
Depending on the area of the insured premises, it will take a maximum of 7 days to submit the survey report
The maximum period of a Shriram Home Insurance’s building only cover is 10 years
Yes. The add-ons can be included even after the purchase of the home insurance policy for an additional premium
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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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