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Home Insurance

Protect your home and valuables from fire, theft, natural calamities, and more with the right home insurance cover.

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ABOUT company Understand the Basics

What Does Home Insurance Cover?

Home insurance provides financial protection against damage or loss to your house and its contents due to unforeseen events like fire, burglary, floods, earthquakes, and other risks. Whether you’re a homeowner, landlord, or tenant, home insurance ensures your property and belongings are secure—giving you peace of mind and financial safety when it matters most.

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Fast, Flexible & Paperless

Benefits of Buying Home Insurance Online

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Quick Policy Purchase

Choose your coverage and get your home insurance policy issued instantly—no lengthy forms or visits.

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Multiple Coverage Options

Compare and pick from building, content, or combined home insurance plans in one place.

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Transparent & Affordable

Know exactly what’s covered, avoid hidden exclusions, and buy at competitive premiums.

Protect Your Biggest Asset

Why Every Homeowner Should Have Home Insurance

01

Covers Natural Calamities

Stay protected from losses due to floods, earthquakes, storms, and other natural disasters.

02

Fire & Electrical Damage

Get coverage for fire incidents, short circuits, and accidental electrical damages to your property.

03

Burglary & Theft Cover

Insure valuable items like jewelry, electronics, and appliances against theft and burglary.

04

Affordable Premiums

Get wide coverage at minimal yearly cost—especially with long-term policy options.

05

Landlord & Tenant Coverage

Options available for homeowners, renters, and landlords based on occupancy status.

06

Repair & Reconstruction Costs

Covers expenses for rebuilding or repairing the property structure after major damage.

Plans That Fit Every Type of Home

Types of Home Insurance You Can Choose

Building Insurance

Covers the physical structure of the house including walls, roof, and foundation.

Content Insurance

Protects household items like furniture, appliances, electronics, and valuables against loss or damage.

Comprehensive Home Insurance

A combined policy that covers both structure and contents for all-round protection.

Landlord Insurance

Provides protection to property owners against rental loss and damages caused by tenants.

Tenant Insurance

Ideal for renters to cover personal belongings and protect against accidental damages.

Natural Disaster Cover

Focused coverage for homes located in high-risk zones like flood-prone or seismic areas.

Protection Backed by Experience

Why Itus Is the Right Choice for Homeowners

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Top Insurer Partnerships

Choose from policies offered by trusted home insurance providers in India.

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Customizable Plans

Select only what you need—structure, contents, or both—with add-on flexibility.

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Instant Policy Issuance

No waiting. Get your home insured online in just a few minutes.

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Claim Support That’s Proactive

We help you file and track claims, ensuring fast resolution and full clarity.

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Affordable Long-Term Policies

Secure your home for up to 10 years with single premium options.

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Expert Guidance Always

Our advisors help you understand inclusions, exclusions, and suggest the right coverage for your property.

Safe & Simple

Steps to Get Your Home Insurance Online

1. Enter Basic Property Details

Share your property type, size, location, and ownership status.

2. Compare Plans & Select

Choose the policy that fits your coverage needs and budget.

3. Make Payment & Download Policy

Pay securely and get your digital home insurance policy instantly.

When Things Go Wrong, We’re Here

How to File a Home Insurance Claim

01

Notify the Insurer Promptly

Inform your insurance company immediately after any damage or loss occurs.

02

Submit Documents & Evidence

Provide photos, invoices, FIR (if required), and completed claim form for processing.

03

Assessment & Payout

The insurer will inspect damages and settle the claim as per policy terms.

Clear Your Doubts

Frequently Asked Questions About Home Insurance

A basic home insurance plan typically covers the structure of your house and contents against fire, theft, natural calamities, and man-made risks. You can opt for either structure-only or content-only plans or combine both for complete protection.

Yes. If you live in a rented house, you can still buy content insurance to protect your belongings like furniture, electronics, and valuables. Tenant-specific policies are available at affordable premiums with flexible terms.

No, it’s not mandatory by law, but highly recommended—especially if you’ve invested heavily in property or valuables. Some banks may insist on home insurance when approving a home loan to protect the property asset.

Premiums depend on factors like property location, construction type, carpet area, insured amount, age of building, and selected coverage. Long-term policies often come at discounted rates.

Yes, most comprehensive home insurance policies include natural calamities such as earthquakes, floods, cyclones, and landslides. Be sure to check your policy document or add a disaster cover if needed.

Typical exclusions include normal wear and tear, intentional damage, war-related losses, and damages due to poor maintenance. Reading the policy’s exclusion list is important to understand what’s not covered.

Once all required documents are submitted, claims are usually processed within 7–15 working days. The timeline may vary based on the complexity of the damage and verification process.

Most insurers allow you to add coverage or make changes at renewal. Some may offer mid-term upgrades or add-ons based on approval. Always check with your provider for the process and any extra costs involved.

Yes, you can opt for a content-only home insurance policy if you’re a tenant or already have building coverage separately. This covers your household items like electronics, appliances, furniture, jewelry, and other valuables against fire, theft, and accidental damage.

To purchase home insurance online, you typically need your address proof, property ownership or rental agreement (if applicable), and basic details about the property like size, type, and construction year. The process is digital, and most policies can be issued instantly with minimal paperwork.

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ITUS INSURANCE BROKERS PRIVATE LIMITED, Valid Till date 22 / 10 / 2025,
Category - Direct Broker (General & Life Insurance), Principal officer name: Mr. M. N. Prasad, Contact No.: 91+ 9966078855, Email ID: po@itus.co.in

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