Homeowners & Villa Owners
Your dream home needs dream protection! Structure, contents, and family coverage against nature's mood swings and unexpected accidents.
Cover For Your Haven
Get protection for your house, belongings, and family with coverage that understands that home isn’t just a place, it’s everything.
Shielding Your Sanctuary, Hassle free
- India's top home insurers, family-tested protection
- Complete Coverage, Foundation to Memories, Under One Roof
- Practical add-ons for jewellery, electronics.
- Rest Easy, From Quote to Claim
- Top Insurers, Unmatched Dwelling Coverage
- Rest Easy, From Quote to Claim
- Home Insurance Tailored to Your Haven, Simplified
- All the Coverage Your Property Needs, Under One Roof
4000+ Client Reviews Trusted By 1500+ Enterprises
From Startups to Stalwarts, India’s Finest Choose CoverBizz
Risks Home Insurance Got Your Back On
Full Shield
Protection from fire, theft, vandalism, storms, and some water damage.
Money Saver
Assistance with repair costs and temporary living expenses to ease the financial burden.
Liability Shield
Coverage if someone gets hurt on your property and you're liable.
Personalized Fit
Customizable policies to match your needs and property.
What Home Insurance Covers
Fire & Explosion
Burglary & Theft
Natural Disaster
Water Damage
Liability Claim
Falling Objects
Furniture & Fixtures
Riots & Strikes
Jewellery & Cash
Art & Anitques
Electronic Equipment
Terrorism Acts
Why Is This Policy Vital?
Because Homes Are Expensive, but Rebuilding Them Is Priceless!
Indian families invest 70% of their lifetime savings in homes, with average property values reaching ₹50 lakh to ₹2 crore in major cities. One fire, flood, or earthquake can erase decades of EMIs and family memories. Home insurance is the difference between “temporary displacement” and “permanent financial devastation.” It’s survival insurance for family dreams!
Who Needs Home Insurance?
Apartment Dwellers & Flat Owners
Condo living, comprehensive protection! Interior coverage, personal belongings, and liability protection that complements your society's insurance.
Tenants & Renters
Renting doesn't mean risking! Personal belongings, temporary accommodation, and liability coverage for everything you call "mine" in someone else's space.
Landlords & Property Investors
Rental property protection that actually pays rent! Tenant damage coverage, rental income loss, and property protection for your investment portfolio.
NRI & Overseas Property Owners
Long-distance love for your Indian home! Specialized coverage for properties maintained by caretakers, tenants, or family members while you're abroad.
Senior Citizens & Retirees
Golden years deserve golden protection! Enhanced medical emergency coverage, home nursing benefits, and age-specific add-ons for peaceful retirement living.
Inclusions & Exclusions
Inclusions
- Building & Structure — House reconstruction costs, boundary walls, gates, and permanent fixtures
- Contents & Belongings — Furniture, electronics, clothing, books, and household items up to declared values
- Personal Accident — Family member injury, disability, and death benefits during insured events
- Alternative Accommodation — Hotel and rental costs when home becomes uninhabitable due to covered perils
- Burglary & Theft — Forcible entry, theft of belongings, and damage to locks and security systems
Exclusions
- Wear & Tear — Normal aging, deterioration, and maintenance issues not covered
- War & Nuclear Risks — Military actions, nuclear hazards, and radiation damage excluded
- Mysterious Disappearance — Items that vanish without evidence of theft or covered peril
- Consequential Losses — Business income loss and indirect damages beyond policy scope
- Pre-existing Damage — Structural problems and damages existing before policy inception
Insurance Partners
We’re Partners With 20+ Major Insurance Companies
FAQ's
Does home insurance cover intentional damage caused by me or my family?
Nope! Insurance doesn't pay for your "oops-I-smashed-the-wall" moments or your kid's crayon masterpiece. Accidents happen, but intentional damage is on you!
Are my expensive jewelry and artwork covered if stolen?
Standard home insurance usually includes basic coverage for jewelry, gold, and artwork, but limits often apply. For high-value items, you may need to schedule them separately or purchase a floater policy to ensure full coverage. Think VIP treatment for VIP items!
Is flood damage covered under home insurance?
Yes! Whether it's Mumbai's annual swimming pool transformation or Chennai's surprise water parks, monsoon mayhem is totally covered under standard policies.
Can tenants get home insurance coverage?
Absolutely! Tenants can buy "contents-only" policies to protect their furniture, electronics, and belongings. The landlord handles building coverage, you handle your stuff!
Are my belongings covered when I travel with them?
Yes! Your laptop, camera, and lucky shirt are covered worldwide up to 10-20% of your contents sum insured. Global protection for your favorite things!
What are the main things NOT covered in home insurance?
The "naughty list" includes: intentional damage, war zones, nuclear disasters, mysterious disappearances (like missing socks), and normal wear-and-tear. Bad intentions = no coverage!
Customers Says..
"When floods entered our ground floor apartment, we lost ₹2.5 lakh worth of furniture and electronics. CoverBizz's home insurance covered everything, from sofa replacement to laptop repairs. They even paid for our hotel stay during the cleanup. Absolute lifesaver during crisis!"
Mrs. Lakshmi Mishra (Homeowner, Patna)
"Our Mumbai home was burgled while we were on vacation, with thieves taking jewelry worth ₹4 lakh and damaging our front door. CoverBizz's home insurance covered the stolen items and security repairs. Their claim process was surprisingly smooth and hassle-free!"
Mr. Rajesh Sharma (Homeowner, Mumbai)
"A short circuit caused a fire in our Jaipur home's electrical panel, damaging the kitchen and living room worth ₹12 lakh. CoverBizz's comprehensive home insurance covered repairs, appliance replacement, and our temporary accommodation costs. We could focus on family safety while they handled everything else!"
