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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

What our customers say ?

4.6

1753+ Customer Ratings

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customer

MARCUS MANOHAR PARKHE

Mr. Khalil, your Executive was very coperative. the overall experience was very good. Thank you.

customer

ANIL KUMAR HP

Good

customer

VAISHALI VAIBHAVKUMAR PANDYA

very good

customer

CHAUDHARI JASAVANTKUMAR

Good

customer

AKRAM KHAN

Good

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Blogs

what is defensive driving

What is Defensive Driving ? A Guide for Indian Drivers

Posted on 2025-04-29 12:34:48

Indian roads can be chaotic — unexpected turns, unpredictable drivers, and everything in between. In this environment, knowing what is defensive driving can make all the difference. Defensive driving is a smart, safety-first approach to driving where you anticipate risks and stay ready to avoid accidents. It's a mindset that enables you to deal with real-world traffic difficulties with composure and confidence, rather than just another skill. Let's examine what defensive driving is, why it's important, and how you can employ it each time you drive.

Car Wash Frequency: How Much is Too Much?

Can Too Many Car Washes Damage Your Car?

Posted on 2025-04-29 07:05:00

In a nation like India, where dust, smog, rain, and bird droppings are commonplace, keeping your car clean is more than a matter of vanity—it's a need. Your car will inevitably get dirty, whether you're driving in Bengaluru traffic during the week or heading to Lonavala for a weekend road trip. As a result, a lot of vehicle owners plan frequent car washes, sometimes even several times a week. The million-rupee question is this: Can your car get damaged by too many car washes? In a nutshell, yes. If done incorrectly or too regularly, excessive washing can eventually cause corrosion, swirl marks, and paint damage. Let us break it down.

is it safe to use hands free phone in a car

Is It Safe to Use Hands Free Phone in a Car?

Posted on 2025-04-28 12:23:45

In India’s traffic-heavy cities, staying connected while driving feels almost necessary. That’s where the hands-free phone comes in — a legal, tech-friendly alternative to holding your phone. But here’s the thing: using a phone while driving, even hands-free, may follow the rules but still carries real risks. Legal doesn’t always mean safe. Let’s break down the benefits, the hidden dangers, and smarter ways to use road safety technology on the move.

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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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