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  • Overview
  • Features And Benefits
  • Save on Premium
  • Calculate Premium
  • 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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Shriram Home Insurance Premium Components

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

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

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

Value of Contents

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

Term Period

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

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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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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