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Home Insurance

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Stay covered against natural calamities

Calamities come unannounced and can cause irreparable damage to your home and finances. With comprehensive home insurance, secure your home and its contents against natural calamities and stay rest assured.

7 reasons to buy ICICI Lombard Home Insurance

  • member

    Protect your home from burglary, terrorism, theft, etc.


    Cover your home against losses due to theft, burglary, terrorism, etc.

  • member

    Don’t let fire accidents burn a hole in your pocket


    Cover damages due to fire or allied perils

  • member

    Think long term, get 50% discount


    You get a massive 50% discount when you opt for a 10 year structure cover

  • member

    Be prepared for unexpected calamities


    Secure your home against natural calamities like earthquakes, floods, cyclones, storms, etc.

  • member

    Enjoy a 25% discount when you insure your home contents


    Protect your home content like electronics, furniture and avail 25% discount

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    Don’t let water damages stress you financially


    Stay protected against water seepage and resultant damages

  • member

    Be at peace, your treasured possessions are secured


    Protect your jewellery with our All-Risk Cover and stay worry-free

All about Home Insurance

All About Home Insurance

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Secure your Home with Home Insurance

5 Reasons to buy A Home Insurance Policy in India

5 Reasons to buy A Home Insurance Policy in India

5 Reasons to buy A Home Insurance Policy in India
Descriptions- It takes years to build a house, where you create beautiful memories with your dear ones. So why not protect your haven with home insurance cover?

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Understand your home insurance policy coverage

Your policy covers:

  • Your home insurance policy gives you the option to buy insurance for only the building (structure) of your home, or only the content (belongings) of your home, or both.
  • The policy covers losses to the structure and content of your home, that might occur due to a number of natural and/or man-made calamities.

    The calamities covered are

    • Fire
    • Lightning
    • Impact damage
    • Aircraft damage
    • Explosion / implosion
    • Storm, cyclone, typhoon, tempest, hurricane, tornado, flood and inundation
    • Riots, strike, malicious and terrorism damage
    • Subsidence and landslide including rockslide
    • Bursting and/or overflowing of water tanks, apparatus and pipes
    • Missile testing operations
    • Leakage from automatic sprinkler installations
    • Bush fire
    • Earthquake
    • The content of your home is also covered against loss due to burglary or an attempted burglary / housebreaking including theft. It also covers loss of jewellery, silver articles and precious stones kept under lock and key, up to 25% of the total content sum insured or `1 lakh, whichever is lower.
  • In addition to the basic policy coverage, you can opt for useful add-on covers that add to your protection

      Additional expenses of rent for alternative accommodation:

    • If you are forced to shift into an alternative accommodation because your home is destroyed or damaged by any insured peril, the policy will cover your additional rent expenses.
    • The maximum coverage is upto ` 1 lakh, for upto 6 months. This cover is available only if you are insuring the structure of your home.

Refer to the Policy Wordings document to understand exactly what all your policy covers, so you can benefit from it better.

Your policy does not cover:

  • Willful destruction of property
  • Loss, damage and destruction caused by war, wear and tear etc.
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Home Insurance
Home Insurance Policy
Misc 13

Check the sum insured offered by your home insurance policy

When you are considering the value of your home for insuring the structure, you should remember that it is not determined by the market value, which is a combination of cost of land, demand and supply, etc. The value, called reconstruction value, is decided on the basis of how much it would cost you to reconstruct the house if it is damaged.

Insuring the structure of the home

  • The sum insured is calculated by multiplying the built up area of your home with the construction rate per sq. feet, e.g. if the built up area of your home is 1000 sq. feet and the construction rate is `800 per sq. feet, the sum insured for your home structure is ` 8 lakhs.
  • We recommend the rate of construction for few major cities when you buy online; click here to know the construction cost. However, this value can be revised appropriately if expensive material – like marble flooring – has been used in construction. If your home has lawn / garden surrounded by a perimeter wall, the construction rate can be revised to include the cost of construction of this wall in the home structure sum insured.

Insuring the content of the home

  • The contents of your home – furniture, durables, clothes, utensils, jewellery, etc., is to be valued on market value basis, that is the current market value of similar items after depreciation.

Explore our simple, hassle-free claim process

In case of an unforeseen loss/damage to your home, be assured of complete assistance from us

  • When in an emergency, call us on our 24x7 toll free insurance helpline, 1800 2666, and leave the rest to us
  • Provide relevant information, which includes your policy and other details regarding your claim
  • We will then authenticate your claim request and escalate it to our claims department
  • Once our claims department validates and registers your request, we appoint a surveyor within 48 hours
  • You will then need to submit all the relevant documents to the surveyor, after which the surveyor submits the Final Survey Report (FSR), along with the documents, within 7 days
  • On receipt of the documents, our claims department processes the claim within 7 days

To make your claim settlement process faster and simpler, follow this checklist of documents

  • Duly completed and signed claim form
  • Photocopy of policy
  • Copy of FIR
  • Final report from police
  • Copy of all invoices, price lists, and repair estimates

Please note that this is an indicative list and some other documents may be required at the time of claim settlement. If you wish to make a claim, download the Home Claim Form.

Get answers to common queries about ​Home Insurance


How can you renew your home insurance policy?

You can renew your policy by visiting the nearest branch. Alternatively, you can also visit icicilombard.com and renew your home insurance policy instantly.

What is the procedure for assessing the value of my home structure and its contents?

The value of your home structure is assessed as per the area of your home multiplied by the rate of construction per. sq. feet, as on the date of taking the policy. For example, if your home is 1000 sq. feet and the construction rate per sq. feet is ` 800/-, then the sum insured for your home’s building structure is ` 8,00,000.
On the other hand, the contents are assessed on the market value of the items. This means that if there were a loss, the claim would be paid on the value of purchasing a similar new item, less depreciation for the usage.

Is my home insured if my wife uses a part of it (room) for conducting coaching classes?

No. Homes used for business purposes are not covered.

I live in a building insured by my society. Would I need to take additional insurance?

The insurance that your society provides may offer you a limited cover and generally includes only structure and not contents. You could consider home content insurance cover for your belongings if the building structure of your house is insured by the society.
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Can the contents be covered in a building that is 45 years old?

We offer a cover for the buildings not more than 50 years old on a case-to-case basis.
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What is the Policy start date for Home Insurance?

The policy start date for home insurance will be 7 days from the online transaction date.
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Who can take the insurance?

The owner of the property (dwelling and contents) with insurable interest can insure an asset. However, you can declare the possessions as 'goods held in trust' and take insurance for them.
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If I work out of my home, is my inventory and business property also covered?

The home insurance product is only for residential property. In case you use your home as your place of business also, you have to take Merchant Cover.
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If I take additional safety precautions like fire extinguishers, smoke alarms, sprinklers etc., will it reduce my premium amount?

Installing fire-extinguishing apparatus does not lower the premium in case of home insurance. Fire Extinguishing Allowance [FEA] is applicable for the entire building, which the society can take.
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What are the different modes of payment?

Now you can choose between 5 payment options to pay your premium online:
  • Credit Card: Make secure premium payment with your VISA, Master and AMEX card.
  • Net banking: Transfer premium amounts online through ICICI Bank and 9 other select banks
  • Bill Pay: Use your ICICI Bank Internet Banking account to pay your insurance premium
  • Debit Card: Just enter your Citibank Debit Card details to pay your insurance premium directly
  • Cash Card: Use your Done Card to make payment online.
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What do I do in case of a claim?

In case of a claim:

  • Inform the Call Centre with the policy details
  • The company authenticates the claim request
  • The surveyor is onsite within 48 hours
  • The surveyor submits a report to the company within 72 hours on returning from the site
  • The documents are processed by the company within 7 days
  • On approval, you will receive the payment
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What are the documents required for filing a claim?

The documents required for filing a claim are:

  • Claim Form of the company duly completed and signed
  • Other evidence of the event occurring, nature and extent of loss such as:
  1. First Information Report
  2. Fire Brigade Report
  3. Estimate of the repairers
  4. Rent Agreement
  5. Transport details for baggage loss
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What do I do in case of a burglary claim?

In case of burglary claims, amounts up to 75% of the claim payable (as assessed by the company appointed surveyor) will be paid on receipt of a copy of the first information report (FIR). The balance settlement will be made only on receiving the final police investigation report.
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How is the value of jewellery calculated?

The maximum value of jewellery covered will be 25% of the total contents or `1 Lakh, whichever is lower.
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What are the exclusions of this policy?

The company is not liable to make payment for:
  • Any loss or damage caused by you or your domestic staff direct or indirect involvement in an attempted burglary
  • Any loss or damage on account of loss of livestock, motor vehicles, pedal cycles, money, securities for money, stamp, bullion, deeds, bonds, bills of exchange, promissory notes, stock or share certificates, business books, manuscripts, documents of any kinds, ATM debit or credit cards, unless previously specifically declared by the company.
  • Any loss or damage to any property that is illegally acquired, kept, stored which is subject to forfeiture.
  • Any loss or damage occurring while your home is unoccupied for a period of more than 30 days consecutively and if you failed to inform the company about the same.
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What if I sell the property during the insured period?

You can cancel the policy and take the premium back.
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If three people share an apartment, can each one take a separate home insurance policy?

Yes, for their part of the asset.
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How do we get the valuation of our property done?

The contents are covered on market value i.e. the cost of buying a similar new item after deducting appropriate depreciation on the basis of the age of the item. This includes household appliances, furniture, jewellery, personal effects and miscellaneous items.

Reviews and Ratings

102 reviews

Write a review
  1. Sumit Das | Aug 07, 2017
    Online application process for home insurance was very easy and hassle free. The few doubts I had was cleared up by your Advisor. She was very helpful throughout the whole process.
  2. Abrar Khan | Aug 06, 2017
    Your team was very helpful and answered all my queries to buy home insurance with patience. All the best ICICI Lombard and team.
  3. Ramesh Akinepalli | Aug 04, 2017
    Your customer support team provided all details of home insurance policy. That helped me to understand and go ahead in buying the policy online.
  4. Sreemannarayana Golla | Aug 02, 2017
    Overall experience: very good. Your advisor has explained details of policy and her communication is good. She has given answers for all the queries which I have. Thanks.
  5. Rajesh Rakheja | Jul 29, 2017
    I had a query regarding renewal of home insurance which was very well stated to me by your representative. I am happy with the service. Also detailed information given for a new product i.e. Personal Protect Policy and it seems good policy.
  6. Kannan | Jul 24, 2017
    Excellent support and best home insurance policy offered by ICICI Lombard. Overall experience was smooth and great. Thanks
  7. Vijay Kumar Jain | Jul 16, 2017
    Excellent support. Your team clearly explained the home insurance policy and helped me to buy home policy online. Very good follow up by your team. 100% satisfied.
  8. R.P. Bhadran | Jul 08, 2017
    The service provided by your advisor was extremely good. She could clarify all my queries authentically and helped me to buy home insurance policy online. Thanks.
  9. A.A. Quyoom | Jul 05, 2017
    I appreciate the commendable role played by your sales representative while dealing with me in procuring home insurance. She is candid, assiduous, diligent, dynamic and soft spoken lady. Her role definitely increases the product sale of the ICICI Lombard. I wish her immense success.
  10. Sisir Kumar Mondal | Jun 30, 2017
    Your customer care executive has supported me to buy Home insurance policy over the phone. I think she is absolutely fine and sharp at her work. I would like to take service from ICICI Lombard if I need any further protection services.
  11. Cibin | Jun 20, 2017
    It was a very pleasant experience on buying policy from icicilombard.com, appreciate all service and support by your team. Thanks a lot.
  12. Praveen Nair | Jun 15, 2017
    The team at ICICI Lombard was very quick to respond to my queries and the services offered were above par. All my queries were dealt patiently by the customer care executive. Thanks to ICICI Lombard's team for their prompt services.
  13. Apparao | May 31, 2017

    Sir, I would like to know about home insurance policy in detail.

  14. Niranjan D Thakkar | May 08, 2017
    ICICI Lombard’s home insurance has lots of benefits such as it covers damage against any natural calamities, fire and also it covers home content. Such an easy & quick process to buy policy online.
  15. Dharmendra Kumar | Apr 26, 2017
    Your customer executive has explained all terms and conditions of my home insurance policy. She is customer responsive, makes customer delighted and satisfied with the ICICI Lombard product offerings. I think she will be a true asset to ICICI Lombard in future.
  16. Vijayasimha Br | Apr 25, 2017
    I had an excellent experience with ICICI Lombard while buying home policy online. Great job. Thank you!
  17. Anil Sazawal | Apr 24, 2017
    Very helpful and informative information provided by your customer support team, they explained inclusions and exclusions of my home policy. Good job.
  18. Sunil | Apr 23, 2017
    I have bought a home insurance policy online without any documents and paid premium online. Hassel free experience. Thank you ICICI Lombard.
  19. Vinod Kumar Bhatia | Apr 22, 2017
    Hi, your representative explained me why home insurance policy is necessary to protect my sweet home, also she provided information on add-on covers. Happy with overall experience.
  20. Tarun | Apr 20, 2017
    I was not be able to access the website... might be some technical glitches.....your representative called me & helped in every possible way...right from informing every minute details of the policy to helping me making payment for the same....she just made the whole task simple....thanks a lot........
  21. Abhishek Gupta | Apr 19, 2017
    Your representative was helpful and very knowledgeable about the home policy. Looking at the benefits of the policy, I made a mind to buy home insurance policy from your organisation.
  22. Vanaja Nair | Apr 18, 2017
    Home insurance from ICICI Lombard have lots of coverage. Buying online was quick & easy.
  23. Kunnathully Babu | Apr 16, 2017
    Your representative was really helpful in renewal of the existing house insurance. She explained benefit of renewal of the policy in detail and helped me to renew online/payment of premium. She has even advocated for purchase of personal accident insurance policy to cover any loss on a/c of mishaps. Thank you.
  24. Hedi Soman | Apr 15, 2017
    Your team helped me to understand what is covered in my home insurance policy and what is not. They assisted me buying the policy online. Thank you.
  25. Deepak Kunzru | Apr 13, 2017
    I was thoroughly satisfied with your service. I interacted with your team regarding home insurance and they explained every aspect of policy, also assisted me to buy online.
  26. Nilesh Yadav | Apr 12, 2017
    Your executive helped me a lot throughout policy buy process. Mobile signal was weak, but she didn’t hesitate to repeat things again and again. Very co-operative and customer oriented. Thank you
  27. Sateesh Chandra | Apr 10, 2017
    Familiarize well with important facts about home insurance, and now I know why ICICI Lombard is best.
  28. Soumen Bhattacharjee | Apr 09, 2017
    Your team helped a lot. I appreciate their knowledge and support to buy home insurance.
  29. William Dsouza | Apr 08, 2017
    Excellent home policy offered by ICICI Lombard, it protects my home against any uncertainty. Feel relieved now. Thanks.
  30. Vinod Lal Yadav | Apr 07, 2017
    Your team provided very good service. They resolved all my doubts regarding home insurance policy and assisted me to buy online. Thanks a lot…
  31. Dipak Ranjan Swain | Apr 06, 2017
    Thank you very much for your detailed explanation and support for my home insurance policy. Nice customer service.
  32. Sujit Marar | Apr 02, 2017
    Your Employee have provided a detailed description for home Insurance and Personal Protect through examples, also explained advantages of having home insurance and clearly guided me through the process. Thanks for a clear suggestion, guidance for the policies.
  33. Sagar Laddha | Mar 30, 2017
    First class service from ICICI Lombard home insurance team. They are very helpful, cleared all my doubts and also provided all the information related to my policy. Thank you.
  34. Ajay Kumar Wali | Mar 27, 2017
    I was impressed the way one of your executives has dealt with a customer like me. I appreciate and congratulate ICICI Lombard to keep such front office staff who motivates the customer to get business for the company, and security for the customer.
  35. Yash Gupta | Mar 24, 2017
    Spoke to your home insurance advisor and he was very kind and helpful. He helped me to understand my home insurance policy. Peace of mind knowing that my home and its content are secured.
  36. T.G. Chandrashekhar | Mar 19, 2017
    I interacted with your representative. I was given a very good oversight of the policy to my satisfaction and she was clear and descriptive in her feedback. She had lot of patience to answer all my question. Excellent customer service.
  37. Karan Saraf | Mar 13, 2017
    Buying home insurance from icicilombard.com was very straightforward and easy. All the features and benefits are well pointed on website.
  38. Jayanth P. | Mar 10, 2017
    Absolutely excellent support from your representative for buying my policy from ICICI Lombard. She explained the terms and conditions about the policy very well and directed me through each and every page of the website. Any small information about a policy is very much important before purchasing it, especially in this competent world of business. And getting it explained by a CCE patiently and clearly is another big challenge which we customers are facing there. She has done her job very well. Thanks for giving light in the area of insurance, where I was completely in dark and scared of.
  39. Rohan Karmarkar | Mar 07, 2017
    Your advisor was very helpful in me purchasing my home insurance policy. She provided with all the clarifications and details. She was very transparent and provided multiple options.
  40. Muniraju Kolar | Mar 04, 2017
    I got help from your agent. She guided me through the policy buying process and also explained the policy details like inclusions and exclusions very clearly. It was a pleasant experience buying the policy from icicilombard.com. Thank you.
  41. Prashant Saxena | Mar 03, 2017
    Have used the ICICI Lombard Company before and therefore chose to use them again to get home insurance for my new flat. Excellent customer service always.
  42. Ajay Dhar | Feb 28, 2017
    Your representative has been very clear in taking me through the home insurance renewal process. Her communication and instruction were very precise and to the point. Thanks
  43. Shouvik Majumdar | Feb 26, 2017
    Your team has been extremely helpful in sorting out and explaining the policy details as well as the circumstances under which policy will not be covered. Thank you so much.
  44. Sridhar Kuppu | Feb 21, 2017
    Thanks to ICICI Lombard for making the whole experience of obtaining our home insurance simple and straight forward. I will certainly recommend them to friends and family
  45. Appaso Patil | Feb 18, 2017
    It was wonderful experience of buying the home insurance policy. The information provided by your team was adequate and good. Thanks.
  46. Pankaj Krishna | Feb 14, 2017
    Your representative was very helpful and informative. Guidance given by him helped me to take the decision to buy a home insurance as well as a personal insurance too. Thanks for all the guidance and support.
  47. Raj Sujan | Feb 12, 2017
    Excellent. Meticulous service from ICICI Lombard. I bought home insurance policy online and received soft copy on my registered email id. Thanks for such a quick service.
  48. Sanjay Chauhan | Feb 11, 2017
    Thank you ICICI Lombard for such an extraordinary support. Your representative explained me the policy’s inclusion and exclusion in detail. Great policy!
  49. bhargav sojitra | Feb 09, 2017
    My home insurance policy was excellent which covers my building structure as well as content of my flat. Fantastic service offered by ICICI Lombard.
  50. Sarah Richardson | Feb 07, 2017
    I received excellent service from ICICI Lombard. Their representative explained all the details of home insurance and also assisted me to buy the policy via online.
    Read All Reviews

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    Listen to our customers


    “I am happy with the proactive and responsive customer support and how they advised me to solve the error while buying my home insurance policy. ”

    Sachin Gupta - Marketing Executive - Delhi


    “It is simple and easy way to get the home insured without visiting the office. No documents were asked. What I wanted was got. ”

    Yeluru Prakasam - SBI Pensioner - Gudur


    “We are insuring since two years and we are happy. I recommend to my friends since we feel it is reliable one. ”

    Swatantrarao Vissamraju – Retired Hyderabad


    “I renewed my home insurance with no problem at all and quick and efficient service by ICICI Lombard. Thank you! ”

    Jaya Sharma - Proprietor New Delhi


    “I have experienced fastest home insurance claim settlement with ICICI Lombard. Very approachable claims team and settled claim without any hassles. ”

    Muthu Selvan – Chennai


    “I was not aware that Home insurance takes care of content also. Felt very happy & satisfied the way IL team treated me the moment I regi... ”

    A Balachander – Chennai


    “ICICI Lombard’s service is excellent and I am truly impressed. I had lodged a claim against my Home Insurance policy on 30 July and th... ”

    Rajesh Desai -Businessman-Thane

    ICICI Lombard General Insurance Ltd. is one of the largest private sector general insurance company in India offering insurance coverage for motor, health, travel, home, student travel and more. Policies can be purchased and renewed online as well. Immediate issuance of policy copy online.
    Trade logo displayed above belongs to ICICI Bank Ltd. and Northbridge Financial Corporation and is used by ICICI Lombard GIC Ltd. under license. Insurance is the subject matter of the solicitation. The advertisement contains only an indication of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. ICICI Lombard General Insurance Company Limited, ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400025. Reg. No.115. Fax no - 022 61961323. CIN: U67200MH2000PLC129408.
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