Get your home insured with Shriram General Insurance
24*7 Claim Notifications
100% Paperless
Best Claim settlement Awards 2022
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
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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
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
Read More
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
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
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
01
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
02
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
03
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
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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
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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
Baggage
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
Home Insurance Coverages
What does the Shriram Home Insurance Cover?
What
does the Shriram Home Insurance
Not Cover?
01
Explosion/implosion, fire and lightning
02
Riots, malicious property damage and terrorism
03
Natural disasters such as tempest, tornado, storms,
cyclones, typhoons, hurricanes, floods,
inundations and earthquakes are all examples of natural
disasters
04
Damage caused by an external object's impact (e.g. vehicle,
falling tree, etc.)
05
Water tanks, apparatus and pipes bursting and/or overflowing
06
Theft that occurs within 7 days of the insured event
01
Conflict, invasion, foreign enemy operations or violent
activity
02
Violation of the law with criminal purpose
03
Radioactive, poisonous and explosive compounds
04
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
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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
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
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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
Add-ons
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
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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
01
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
02
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
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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
1
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
2
Enter the additional details required
Please enter the required address details to continue the process further
3
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
1
Approach the SGI branch office/dial the toll-free number
You are kindly requested to approach the respective authority for your home insurance
renewal
2
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
3
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
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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
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
Building/Structure
In home insurance, building refers to the physical structure of the house
Contents
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
Claim
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
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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
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 ?
Divyansh says,
Shriram General Insurance is the best travel insurance and i can confidently recommend.Truly the best online travel insurance site in India. Thanks to Shriram General Insurance !.
Vidit says,
Shriram General Insurance has a very encouraging overseas travel insurance program for us. Overall it's very nice
Malik says,
I had some doubts when reading the terms and conditions of my travel insurance. I called the Shriram General Insurance helpline and they cleared up most of my doubts.
Prakash says,
SGI Health Insurance currently administers my health insurance policy. I still have a bonus and there hasn't been a claim. This insurance covers all hospitals for cashless payments. Customer support is excellent.
Apeksha says,
This group health insurance policy, which has a Rs. coverage amount, was obtained from Shriram General Insurance. They have connections with several hospitals and also offer cashless medical care.
Ashwin says,
“I am satisfied with Health insurance claim service” Got my Health insurance policy claim. Thanks a lot for quick response. Great customer satisfaction policy
Chiranjeev says,
My Commercial Vehicle Insurance is the best. These are very good, helpful and wonderful people. I am pleased to join Shriram General Insurance commercial vehicle insurance plan.
Purushottam says,
For commercial vehicle insurance, I can suggest Shriram General Insurance with confidence. I'm relieved that my vehicle is now protected and secure, I appreciate Shriram General Insurance!
Santram says,
Shriram General Insurance provides me with a commercial vehicle insurance policy that fully protects the vehicle for a comparatively small outlay of money. Excellent customer satisfaction policy, I'm pleased!
Amritlal says,
After taking into account all other plans available, I decided to go with Shriram General Insurance for my personal insurance policy. I am extremely pleased with the outcome of my claim and the amount of time and accuracy put into it.
Meghna says,
Taken the personal insurance policy with Shriram General Insurance company around 5 years ago. My colleague is suggested me to take the policy from here. The claim ratio is more compared to others. This was taken for my family benefits and customer service is good. Thank you SGI!!
Mohan says,
Five years ago, I chose to invest in a personal insurance policy with Shriram General Insurance Company after being recommended by a colleague. They had one of the best claim ratios and the customer service is great. Taking out this policy has benefited my family immensely and I'd like to take this opportunity to thank Shriram General Insurance for their excellent services.
Akanksha says,
I recently took out a home insurance policy with Shriram General Insurance and it covers me if there is any destruction to my property due to natural disasters such as earthquakes. I am very pleased with their customer service and quick response times. This gives me peace of mind knowing that I have this policy in place.
Raveena says,
After consulting with many people, I chose to purchase my home insurance from Shriram General Insurance. The experience was quite pleasing & I am glad that I went with them as their policy has proven to be very satisfactory.
Tejas says,
Securing my future by taking home insurance from Shriram General Insurance was a great decision. Not only did I get protection from natural and man-made calamities, but the service provided was also excellent.
Shubham says,
The add-on covers on my policy were extremely helpful. I got my claim easily and also reserved my NCB.And Shriram has made it so easy to renew any policy online without any tussle, trouble.thank you Shriram General Insurance!
Amandeep says,
Shriram General Insurance Co. Ltd is a trustworthy partner to me. They have a sincere and genuine approach towards settling claims, which I highly appreciate and value. They made it easier for me to manage through the tough times.
Satyaprakash says,
Shriram General Insurance truly stands out with the great service they provide – claims are processed quickly and effortlessly. I am very appreciative of their support! The quick and stress-free claim process made life easier for me during a trying time.
Shakeel says,
Shriram General Insurance really offer affordable two wheeler insurance premium. When my bike was damaged in an accident, I was stressed out but their two wheeler insurance executive took care of the situation quickly & efficiently. Thanks to Shriram General Insurance!
Samantha says,
I recently got a two-wheeler insurance policy from Shriram General Insurance and had a great experience. The website was incredibly user-friendly and all the relevant information was easily accessible. I'm glad my two-wheeler is safe and secure now - thank you Shriram General Insurance!
Vandana says,
My friend working for Shriram General Insurance suggested I take out a two-wheeler insurance policy from them. I've been renewing it before its expiry ever since and have been pleased with the service.I recently visited their branch and decided to renew my policy with them. The reason I chose them was because they provide first-party insurance with utmost claim amounts, plus this policy includes bumper to bumper coverage.
Chetan says,
I was thoroughly satisfied with my decision to get car insurance from Shriram General Insurance. Not only did I find their rates quite reasonable, but the policy coverage was also adequate. I am especially impressed with how efficiently and smoothly they handled my claims.
Ankit says,
I can confidently recommend Shriram General Insurance for car insurance as I have been a loyal customer for the last 5 years. Their claims process is very efficient and they respond swiftly to their customers in comparison to the other providers.
Rahul says,
I recently switched to Shriram General Insurance for my car insurance and I'm glad I did. The customer service is great, and the policy was issued instantly. I am Very impressed with their services!
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Quick
renewal
