What Is Offered in Home Insurance Policy

Posted on: May 5, 2025 | 3 mins | Written by: HDFC ERGO Team

What Is Offered in Home Insurance Policy

In the insurance sector, health insurance, vehicle insurance, life insurance, etc. are comparatively more popular than home insurance, property insurance, building insurance, and homeowners insurance.

However, as a homeowner, you must be aware of these insurance policies to ensure optimum safety and security of your safe haven, your home.

You must note what is included in the terms of a standard home insurance to make an informed decision.

What is home insurance?

As the name suggests, this is a special insurance protection cover that ensures security against unforeseen perils, damages, and losses of your property.

What is included in home insurance?

To ensure a smooth security and purchase, you must be aware of what is offered in home insurance policy. Although the list of inclusions and coverage span varies with the type of policy chosen, however, certain standard inclusions are:

1. Fire and special perils protection:

Every tenant and house owner is eligible to get this plan, offering coverage against certain typical perils and fire outbreaks. Some of the popular risks involved here:

1.1. Losses and damages to the concerned house due to natural calamities like lightning and thunder, landslides, floods, hail, storms, cyclones, etc.

1.2. Damages caused due to manmade perils like riots, vandalism, strikes, etc.

1.3. Damages caused due to direct contact with road vehicles or rail

1.4. Damages due to bursting or overflowing water taps, tanks, pipes, and other appliances

1.5. Damages due to overflowing or leakage from installed automatic sprinklers

2. Structure coverage:

Also termed as building insurance, it protects the building from permanent fixtures installed in the kitchen, the bathroom, roof, ceiling, etc. It also covers the sheds, garages, and other outdoor rooms, as a component of the home structure.

3. Public liability coverage:

It protects against third-party damages. It offers protection against liability compensation against any form of third-party damages.

4. Personal accident coverage:

This allows protection to self and family in the case of any accidental casualty, physical injuries, and/or permanent disablement.

5. Theft coverage:

It allows protection against theft and burglary in the insured property, including personal belongings damaged or stolen, as per the plan terms.

6. Content coverage:

This includes protection of the valuables present in the insured house, including TVs, refrigerators, various other electronic devices, significant documents, etc. It comes in handy during interior replacement due to any severe breakdown, damages due to fire, floods, etc.

7. Tenant’s coverage:

Ideally crafted for a tenant, this is suitable for your rented place, to protect all your contents.

8. Landlord’s coverage:

To ensure safety of your rented place, you must possess this plan, which ensures protection against rent loss and public liability.

Conclusion

Having a house is not enough, you must protect it from all possible threats. A reliable home insurance or property insurance will help you achieve your target and go a long way.

What Does Home Insurance Cover in the Event of a Fire?

Understanding The Differences Between Home Insurance And Property Insurance

What Is Act of God in Home Insurance?

Here are 5 Important Inclusions under Home Insurance in India

Does Your Home Insurance Plan Covers Damages During Moving?