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India 2026
Home Insurance Policy Online in India 2026
Buying home insurance online in India has never been easier. With digital platforms like Six Finance, you can compare plans, complete digital KYC, and receive your policy document — all within minutes.
100% Digital Process
No branch visits required. Complete everything from your phone or laptop with digital KYC verification.
Instant Policy Issuance
Get your insurance policy issued instantly after document verification and payment confirmation.
IRDAI Regulated
All policies sold through Six Finance are issued by IRDAI-regulated insurers, ensuring full legal validity.
Learn
Understanding Home Insurance in India
Everything you need to know about how home insurance works, why it matters, and its key benefits for you.
Insurance is a financial contract between you (the policyholder) and an insurance company (the insurer). In exchange for a regular premium payment, the insurer agrees to provide financial compensation in case of specified losses, damages, illness, or death.
In simple terms: You pay a small amount regularly so that when something unexpected happens — an accident, illness, or damage — you don't have to bear the entire financial burden yourself. Insurance provides a safety net for you and your family.
Insurance works on the principle of risk pooling — many people contribute premiums into a common pool, and those who face covered events receive payouts from this pool. This spreads the financial risk across a large group of people.
Features
Key Features of Home Insurance Policies in India
Structure Cover
Rebuilding cost covered if home is damaged by fire, flood, or earthquake.
Contents Cover
Furniture, electronics, jewellery, and appliances protected.
Natural Calamity
Floods, earthquakes, landslides, cyclones, and storm damage included.
Burglary & Theft
Cash, jewellery, and valuables protected against theft and burglary.
Liability Cover
Third-party injury or property damage on your premises covered.
Explore More
Home Insurance — Explore Related Plans
Find the right coverage by exploring related insurance products tailored to your needs.
Home Insurance
Comprehensive structure plus contents protection in one plan.
Bharat Griha Raksha
Government-backed standardised home insurance policy.
Home Loan Cover
Insurance tied to your outstanding home loan outstanding amount.
Motor Insurance
Protect your vehicle just as you protect your home.
Business Insurance
Extend property protection to your business premises too.
Policy Types
Types of Home Insurance Policies
Understanding the different policy types helps you choose the right level of coverage for your needs.
Structure Only
Covers the building — walls, floors, roof, and permanent fixtures.
Contents Only
Protects household belongings without covering the building itself.
Comprehensive
Structure plus contents plus liability — complete home protection.
Bharat Griha Raksha
Standardised IRDAI policy with mandatory rebuild-cost sum insured.
Renter's Insurance
Covers a tenant's personal belongings even inside a rented property.
Six Finance
Why Choose Home Insurance by Six Finance?
Experience a smarter way to buy insurance — built for speed, transparency, and trust.
Fast Policy Issuance
Complete your purchase in under 5 minutes. Instant digital policy delivered to your email and WhatsApp.
Best Premium Comparison
Compare premiums from 20+ insurers side-by-side. Find the most affordable plan that suits your budget.
Trusted Insurers
We partner only with IRDAI-licensed insurers including ICICI Lombard, HDFC ERGO, Bajaj Allianz, and more.
Easy Claim Support
Dedicated claim assistance team to guide you through the entire claim process from filing to settlement.
Secure Online Platform
Bank-grade encryption and secure payment gateways protect your personal and financial information.
Premium Guide
Home Insurance Premium Guide 2025–26
Indicative annual premiums for RCC (permanent) construction. Actual premiums vary by location, insurer, and add-ons chosen.
| Property Value | Structure Only | Comprehensive (Struct + Contents) |
|---|---|---|
| ₹20 Lakh | ₹600 | ₹1,200 |
| ₹40 Lakh | ₹1,100 | ₹2,000 |
| ₹60 Lakh | ₹1,600 | ₹2,900 |
| ₹80 Lakh | ₹2,100 | ₹3,800 |
| ₹1 Crore | ₹2,600 | ₹4,700 |
| ₹1.5 Crore | ₹3,800 | ₹6,900 |
* Indicative premiums before GST (18%). Kutcha / semi-pucca structures and high flood-risk zones attract higher rates.
Premium Factors
How Home Insurance Premium is Calculated
Multiple factors influence the premium you pay. Understanding them can help you optimize your insurance costs.
Property Value & Area
The rebuild value (not market value) of your home is the key driver of the structure insurance premium.
Construction Type
RCC (permanent) structures attract lower premiums than Kutcha (temporary) or mixed-material constructions.
Location & Risk Zone
Properties in flood-prone, earthquake, or high-crime zones attract higher premiums due to elevated risk.
Contents Value
Including household contents (electronics, furniture, jewelry) increases premium but adds broader protection.
Age of Property
Older properties may attract higher premiums or special conditions due to structural wear and tear.
Example
Understand Home Insurance Premium Structure with Example
Here's how a typical home insurance premium is broken down — Home Insurance — 3BHK Apartment, Rebuild Value ₹50 Lakh, Contents ₹10 Lakh.
Premium Breakdown
Home Insurance — 3BHK Apartment, Rebuild Value ₹50 Lakh, Contents ₹10 Lakh
Structure Premium (0.05% of rebuild)₹2,500
Contents Premium₹800
Jewellery Floater Add-on₹400
Net Premium₹3,700
GST @ 18%₹666
Total Payable Premium₹4,366
Renewal
Benefits of Renewing Home Insurance Online
Skip the paperwork and renew your policy in minutes from anywhere. Here's why digital renewal is the smarter choice.
Uninterrupted Cover
Lapse leaves your home unprotected — renew before the expiry date.
Update Sum Insured
Revise rebuild value at renewal as construction costs increase.
Add New Contents
Include newly purchased appliances or jewellery in your coverage.
Instant Renewal
Online renewal in 2 minutes — cover continues without interruption.
Digital Policy
Policy PDF available instantly from your Six Finance dashboard.
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