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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

  • member

    Don’t let water damages stress you financially


    Stay protected against water seepage and resultant damages

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    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

150 reviews

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  1. Kumar Padmanabh | Mar 18, 2018
    I’d been finding it difficult to get my Aadhaar card number linked with my home insurance policy. But your salesperson helped me really well by guiding me to complete the procedure. She is simply an outstanding professional. ICICI Lombard has become my insurance provider of choice.
  2. Surya Kant Thapliyal | Mar 12, 2018
    The customer care executive from ICICI Lombard helped me to book a suitable home insurance policy. I received patient, satisfactory answers to all of my queries. He also introduced me to your personal accident insurance policy. I am impressed with his assistance. I wish him every success in life!
  3. Jayashree Shankar | Mar 08, 2018
    I called up ICICI Lombard’s customer care team for assistance with renewing my home insurance plan. The executive I spoke to helped me in the issuance of a fresh policy that had all the correct details. I’ve already received its copy in my mail inbox. Looking forward to speedy delivery of the original papers too!
  4. Abhinav Saxena | Mar 01, 2018
    I was efficiently assisted by your executive during the renewal of my home insurance policy. During the conversation, she reacquainted me with the plan’s benefits such as coverage against earthquakes, storms, burglary and acts of terrorism. Overall, it was a very pleasant experience as she patiently helped me to complete the procedure.
  5. Sanket Sinojia | Feb 28, 2018
    I would like to thank your agent for her clear explanation of the home insurance policy terms such as coverage for the home against theft or natural calamities. She gave me continuous support during the transaction. Keep up the good work.
  6. Venkatachalam P. | Feb 24, 2018
    ICICI Lombard’s customer support associate spared no effort in helping me to get my home insurance plan renewed. She clearly described the features and benefits of the policy such as financial coverage for the structure and content of the home. God bless her.
  7. Sanjay Sharma | Feb 23, 2018
    I would like to thank your agent for helping me to buy home content insurance online. She explained to me all the relevant policy provisions such as 5-year coverage for the contents of my home against certain natural and man-made calamities. The information provided was easy to follow.
  8. Rasesh Patni | Feb 20, 2018
    Just bought my ICICI Lombard home insurance policy online. Your executive explained to me the plan’s features such as coverage against losses to the structure and content of the home due to natural and man-made calamities. I am fully satisfied with the way she helped me to complete the procedure. I wish her every success.
  9. Sandeep Gupta | Feb 17, 2018
    I am really thankful to ICICI Lombard’s agents for helping me at each and every step during the purchase of my home insurance plan. They were forthcoming about how the policy offers comprehensive coverage for my home and its contents. I wish them good luck!
  10. Premalatha Sridharan | Feb 12, 2018
    Your insurance advisor was very patient and courteous. He went the extra mile in helping me to purchase home insurance. He gave me several insurance quotes till I settled on one I could go ahead with. Overall, he did an excellent job.
  11. Umesha Nayak | Feb 10, 2018
    I would like to commend your agent for her excellent service. She followed the proper insurance booking procedure, right from confirming my personal and policy details to discussing the plan’s respective inclusions and exclusions. I received the quote through email. When I found an error in the quote, it was clarified immediately.
  12. Siddharth Singh | Feb 08, 2018
    Your executive was most helpful, diligent and persuasive. She made sure that purchasing the plan was smooth and hassle-free for me. I also got to know about the policy benefits including coverage against a number of natural and/or man-made calamities.
  13. Zephyrine Goveas | Feb 06, 2018
    I renewed my home insurance policy with the help of an ICICI Lombard representative. She answered my questions satisfactorily and assisted me in the policy renewal process. Thanks for the guidance and support.
  14. Rahul Jain | Feb 02, 2018
    I’d gotten in touch with one of your agents for my home insurance purchase. She made the entire process of buying the policy quite easy and hassle-free for me. I would like to thank the ICICI Lombard team for providing me with the required information in less than no time.
  15. Virendra Vasant Gurav | Jan 28, 2018
    I’ve opted for home insurance with housebreaking coverage from ICICI Lombard. Your agent informed me about the plan’s several provisions including coverage against fire, burglary, and acts of terrorism. She spared no effort in helping me get the policy issued. Really good service!
  16. Radha Rama Dorai | Jan 24, 2018
    I had communicated with your agent for my home insurance purchase. She maintained a calm demeanour during our every conversation, and patiently explained to me the features of the policy such as financial protection against calamities caused by nature and man. Well done!
  17. Anita Rampal | Jan 23, 2018
    The sales executive I communicated with seemed patient, knowledgeable and intelligent. She spared no effort in explaining the policy provisions such as coverage against fire, burglary and acts of terrorism. I received satisfactory answers to all of my questions.
  18. E. Chandi Prasad Rao | Jan 21, 2018
    I received good support from ICICI Lombard’s representative during my home insurance purchase. The excellent service she provided to me has left me very happy. She definitely deserves a pat on the back!
  19. Hitesh Bhalala | Jan 19, 2018
    I had the privilege of interacting with your customer service representative for the purchase of my home insurance. He promptly called me up on my US number upon request and helped me to purchase the policies within minutes. Great job! Keep up the good work.
  20. Akshat Mathur | Jan 17, 2018
    Your customer advisor was of great help to me during the purchase of my two home insurance policies. He suggested the best options based on my requirements, and then guided me through the buying process. Great service by ICICI Lombard!
  21. Gopalakrishna V.S. Yellapragada | Jan 14, 2018
    Your salesperson guided me really well. He clearly explained the details of your home insurance plan and the various payment options available to me. The information he shared with me turned out to be good and accurate as I’ve already received the policy document.
  22. M. Balasubramanian | Jan 12, 2018
    I found the information on home insurance provided by your salesperson to be very useful. She explained to me the plan’s terms and conditions in detail, and answered all of my questions satisfactorily. Thanks!
  23. Aniket Khanzode | Jan 08, 2018
    I received great support from your customer service representative for my home insurance purchase. She had complete knowledge of the policy, and spared no effort in solving all of my queries. In fact, her in-depth knowledge and enthusiastic assistance is what convinced me to buy the plan.
  24. Ramasharma Ambatipudi | Jan 04, 2018
    I wanted to buy two home insurance policies and spoke with two of your agents in this regard. They explained to me the policy advantages such as coverage against both man-made and natural calamities, and gave satisfactory answers to all of my queries. I am happy with the support provided by them.
  25. Tara Jayaram | Dec 31, 2017
    Your agent was truly professional in her behaviour—just enough to convince me to renew my home insurance with ICICI Lombard. She did prompt follow-ups with me over the phone at the time and date I’d requested for. It was pleasant to talk to her. She walked me through the renewal process, and patiently helped me to complete the transaction despite my slow internet connection.
  26. Amarpreet Singh | Dec 21, 2017
    I was looking to buy home insurance and your customer service associate came to my aid right away. She was really helpful to me while filling up the insurance application online. In fact, she was very polite and cooperative throughout the purchase procedure. Really appreciate her sincerity and dedication to her job.
  27. Venkatasalapathi Srinivasan | Dec 10, 2017
    I’d gotten in touch with your executive for the purchase of my home insurance policy. It was a wonderful experience interacting with her. She explained the ins and outs of the policy in detail. She guided me to make the right choice and even helped to complete the payment process. I would highly recommend her for her excellent service.
  28. Sastri Siva Kumar | Nov 30, 2017
    I had a nice chat with your customer service executive today. She was very accommodating, and patiently explained to me the details of your home insurance plan. Her explanation convinced me that the policy was entirely suitable for my needs, which is why I decided to go ahead and buy it.
  29. J. Vijayakumar | Nov 16, 2017
    I am really impressed with the meticulous manner in which your agent assisted me. She helped me to zero in on the home insurance option that would give me the best long-term benefit. She even came to my aid when I was buying the policy online, because of which I was able to complete the payment without any hassle.
  30. Naveen Bachwani | Oct 22, 2017
    I spoke to the same customer care agent on more than one occasion and found her to be knowledgeable, caring and very responsive to my insurance needs. Please recognize the excellent effort she is putting in to address customer requirements in any way possible.
  31. Kamini Verma | Oct 11, 2017
    The advisor assisted me so very well, she was extremely helpful, well informed and above all so very patient with my repeated queries. She made the whole process a breeze. It's people like her that give a company a good name. Thank you!
  32. Manan Desai | Oct 10, 2017
    I just bought home insurance for a total of four properties from you. Unbelievable as it may sound I was more inclined to Bajaj Allianz for certain reasons including their offering of escalation clause and 25-year term. But your advisor eventually convinced me to buy from here. She was polite and yet persistent, knowledgeable but not wise-guy-sounding, and patient and yet efficient.
  33. Rohit Thomas | Oct 09, 2017
    Despite the fact that I had to have multiple calls regarding the same policy, your advisor showed great patience and helped me understand all the details. Purchased home insurance policy and that’s all thanks.
  34. Vinod Kumar | Oct 05, 2017
    The advisor helped very effectively in filling up online form and the details covered and non-covered under the policy. It was a great help throughout.
  35. Raj Kumar Kamal | Oct 03, 2017
    Had to renew my home insurance policy and your customer advisor guided me through the entire process and was always there to answer my questions at every step. Thanks and keep it up.
  36. Sudhir Veeramangal Hebbar | Oct 01, 2017
    The advisor provided excellent service. Her email response was specific to my queries, her call backs were quite prompt and inputs were detailed. I am very happy with the service provided by her to book the Home Insurance Policy.
  37. Kanchan Kumar | Sep 30, 2017
    The executive helped me in getting Home Insurance renewed online. She explained everything with clarity and patience. I rate her 10 out of 10.
  38. Shahzad Akhter | Sep 29, 2017
    I spoke with your executive for my home insurance related queries and she helped me with all my queries and provided all the details I was looking for. Thanks and best wishes.
  39. Surendra Singh | Sep 22, 2017
    We bought home insurance today and the executive helped us very nicely. She was there with us on call till we finished the complete process. She was very polite and explained all details about the policy. Its always great being ICICI customer.
  40. Arup Ranjan Das | Sep 19, 2017
    Wanted to buy home insurance from ICICI Lombard and your advisor made my decision even simpler. She explained all the details and helped me to clear all my concerns regarding the minute policy details. Booked the policy online after the call and completed the whole process in few minutes. Thanks for making it so easy.
  41. Babu Narayan | Sep 14, 2017
    I was able to renew my policy online easily thanks to the assistance from your executive. She appeared to be customer sensitive and eager to help with all clarifications patiently.
  42. Satish Singh | Sep 11, 2017
    Excellent detailing and work done including follow up calls by ICICI Lombard customer service advisor. Keep up the good work.
  43. Kingshuk Majumdar | Sep 09, 2017
    I purchased my home insurance online from your site. I am very impressed with information shared about the product.
  44. Karan Joshi | Sep 08, 2017
    Had a great experience discussing my home insurance needs with your advisors. Also bought the policy online while on the same call. Keep up the good work
  45. Ravikumar D. Suthar | Sep 05, 2017
    Extremely helpful customer service advisor. Thank you very much for helping me to purchase home insurance online.
  46. Gail India Ltd | Sep 03, 2017
    Purchased home insurance online after detailed discussion with your customer service advisor. She was very supportive and answered all my queries helping me to make my decision to purchase the insurance.
  47. Sanjay Datar | Aug 27, 2017
    Assistance and response towards my queries by customer service advisor was very good. She gave product details in depth. I would like to thank her for the support.
  48. Padmakumar Nair | Aug 15, 2017
    Customer service associate was very meticulous and excellent in her Job. Her follow-up is quite remarkable. Many times I procrastinate in my decision making but she didn’t loose any hope and did follow up. She was very convincing and helpful; also provided complete assistance in insuring home insurance. Thank you for all the help and support. Good luck.
  49. 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.
  50. 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.
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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.
    ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd assigned by Northbridge Financial Corporation solely for the territory of India. 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: L67200MH2000PLC129408.
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