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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.

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

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

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    Cover damages due to fire or allied perils

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    Think long term, get 50% discount

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

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    Be prepared for unexpected calamities

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

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    Enjoy a 25% discount when you insure your home contents

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

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    Don’t let water damages stress you financially

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    Stay protected against water seepage and resultant damages

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    Be at peace, your treasured possessions are secured

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    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.

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

  • GENERAL
  • COVER
  • PREMIUM
  • CLAIMS
  • POLICY
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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.

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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.

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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.

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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.

Home Insurance Policy from ICICI Lombard provides cover on structure and/or contents of your home, against fire, theft, terrorism, earthquake and more. Get an instant home owners insurance quote online!
4.8 33 reviews

Review and Rating

70 reviews

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  1. Sagar Laddha | Mar 30, 2017
    5
    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.
  2. Ajay Kumar Wali | Mar 27, 2017
    5
    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.
  3. Yash Gupta | Mar 24, 2017
    4
    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.
  4. T.G. Chandrashekhar | Mar 19, 2017
    5
    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.
  5. Karan Saraf | Mar 13, 2017
    5
    Buying home insurance from icicilombard.com was very straightforward and easy. All the features and benefits are well pointed on website.
  6. Jayanth P. | Mar 10, 2017
    5
    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.
  7. Rohan Karmarkar | Mar 07, 2017
    4
    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.
  8. Muniraju Kolar | Mar 04, 2017
    4
    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.
  9. Prashant Saxena | Mar 03, 2017
    5
    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.
  10. Ajay Dhar | Feb 28, 2017
    5
    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
  11. Shouvik Majumdar | Feb 26, 2017
    4
    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.
  12. Sridhar Kuppu | Feb 21, 2017
    4
    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
  13. Appaso Patil | Feb 18, 2017
    4
    It was wonderful experience of buying the home insurance policy. The information provided by your team was adequate and good. Thanks.
  14. Pankaj Krishna | Feb 14, 2017
    5
    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.
  15. Raj Sujan | Feb 12, 2017
    5
    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.
  16. Sanjay Chauhan | Feb 11, 2017
    5
    Thank you ICICI Lombard for such an extraordinary support. Your representative explained me the policy’s inclusion and exclusion in detail. Great policy!
  17. bhargav sojitra | Feb 09, 2017
    5
    My home insurance policy was excellent which covers my building structure as well as content of my flat. Fantastic service offered by ICICI Lombard.
  18. Sarah Richardson | Feb 07, 2017
    5
    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.
  19. Snehendu Mondal | Feb 05, 2017
    4
    Hi, your executive has helped me to choose the right home insurance policy as per my need. He assisted me during buying process. Thank you.
  20. Purnim Saha | Jan 27, 2017
    5
    Fantastic service! Your representative explained me what is covered and what is not covered in my home insurance policy. Thank you….
  21. Poonam Mitra | Jan 24, 2017
    5
    ICICI Lombard, your executive assisted me in getting a home insurance policy. He explained me all features of my policy. I really appreciate all the help.
  22. Nelson Cabral | Jan 22, 2017
    5
    Just got a Home insurance policy and was very happy dealing with ICICI Lombard website. Excellent policy offered by ICICI Lombard.
  23. Ratnesh Kumar Purohit | Jan 19, 2017
    4
    Your representative helped me to resolve all my queries on home insurance policy and assisted me to buy the policy online.
  24. Abhishek Kumar | Jan 18, 2017
    5
    Very good response from your team while purchasing home insurance policy. They explained me all the exclusions in the policy. This is one of the best home insurance policy offered by ICICI Lombard.
  25. Sushil Mishra | Jan 17, 2017
    5
    Your team assisted me great and very quickly. They highlighted all the key features of policy such as we can buy the insurance for building structure as well as home content etc. I highly appreciate their help to purchase the policy. Thank you, all the best!!
  26. Sameet Naik | Jan 16, 2017
    4
    Thank you for helping me to get a Home Insurance policy. It was very informative and helpful website, hassle free buying policy from icicilombard.com
  27. Sangeeta Bajaj | Jan 15, 2017
    4
    ICICI Lombard website is very helpful, it provides all the information of a home insurance policy and I bought this policy online. Overall excellent experience.
  28. Rahul Chawla | Jan 13, 2017
    4
    Your team representative has given a good walkthrough of a home insurance policy over call and helped me to buy the policy. Thanks.
  29. Bontha Papa Rao | Jan 12, 2017
    5
    Your team was very helpful in point-by-point guidance on selection of home insurance policy. Also, explaining the inclusions and exclusions in the policy. I am very much satisfied by their dedication and customer-centric approach.
  30. Prashanth Murthy | Jan 11, 2017
    5
    Your team explained me all the details of home insurance with inclusion & exclusion in policy and helped throughout the buying process of policy. Thanks
  31. Ashish Tripathy | Jan 11, 2017
    4
    Hassle free Insurance Procedure. Your team had provided me the relevant information regarding the home insurance policy and helped me in policy issuance. Overall the process was simple and customer centric. Thanks
  32. Gautam Lahiri | Jan 08, 2017
    5
    I have spoken to your support staff, she helped me to buy the home insurance for structure and content. She is very professional and knowledgeable and successfully guided me to buy the product online. She must be recognized for this work.
  33. Saugat Dutta | Jan 08, 2017
    4
    I purchased my Home Insurance and Content Policies from your advisor. She explained the policies in detail and was able to advice on several aspects of home and content insurance. Great policy. Thanks.
  34. Manoj Kumar | Jan 08, 2017
    4
    Awesome experience! Your team explained well to me about home policy and assisted me in buying the policy online. Thanks
  35. Arun Modi | Jan 07, 2017
    5
    I interacted with your sales representative for buying home insurance. She was quite helpful, knowledgeable and efficiently guided me to complete my transaction. Overall the experience was excellent.
  36. saurabh sahni | Jan 06, 2017
    4

    Your advisor from New Delhi was fantastic. He explained me all details about home insurance policy and helped me to choose right policy as per my need. Kudos..

  37. Suresh Shah | Jan 06, 2017
    5
    Your team has been the most helpful during my process of getting the home insurance policy. They explained each and every detail of a policy and guided throughout the policy buying procedure. Thanks
  38. Sailesh Kumar | Jan 05, 2017
    5
    Excellent support by your team, due to this I am able to complete the purchasing process of home insurance easily. They were very prompt, clear to the point and provided all the details necessary for me to be able to complete the purchase. Much appreciate their support and quality of service.
  39. Rinugeorge Dastur | Jan 05, 2017
    5
    I had a very good experience in purchasing a home insurance policy from ICICI Lombard. Your team resolved all my queries related to policy and assisted me to purchase the policy online.
  40. Naveen Jayaraman | Jan 03, 2017
    5
    It was a good experience. Your sales representative answered all my questions regarding home insurance and she also helped me in buying the policy online. Thanks
  41. Rohit Gambhir | Dec 31, 2016
    4
    I received informative details about home insurance from your team and they helped me to purchase the policy.
  42. Rachit Madan | Dec 29, 2016
    4
    Your agent was really helpful in conversing and finding the best home insurance policy for me. Looking forward for more in future.
  43. Kumkum Ganguly | Dec 26, 2016
    4
    Your team helped me to purchase a good home insurance policy and explained me that this policy cover losses against burglary, theft etc. Their support is appreciated.
  44. Rohit Uttamchandani | Dec 24, 2016
    5
    Your support team did a great job at taking me through the process of buying my home insurance policy.
  45. G Shyamala Rao | Dec 24, 2016
    5
    Dear Sir/Mam, really, your support advisor was very helpful in buying home insurance policy. She explained me policy in detail and resolved all my queries. I hope in future if help is required I will contact you ICICI Lombard.
  46. Sivaramakrishnan Ramakrishnan | Dec 24, 2016
    5
    Your agent has helped me to get a Home Insurance policy online. She was very patient and walked me through the procedure, inclusions and exclusion.
  47. Balamurali Balakrishnan | Dec 23, 2016
    5
    Your team provided excellent support to decide the exact home insurance policy as per my requirement. Thanks
  48. Bharat Lalwani | Dec 18, 2016
    4
    Your team member was very good in terms of explaining the home insurance policy, being polite, courteous and solving the purpose for which I called. She was complete in terms of ensuring immediate policy purchase, solving queries and even ensuring feedback. It is delight to have this kind of good customer care executives and it was wonderful interacting with her.
  49. Amar Bajaj | Dec 17, 2016
    5
    Your team helped me to purchase home insurance policy online. Thanks ICICI Lombard for such a great service.
  50. Biju Nair | Dec 17, 2016
    4
    Your team was very helpful and informative about my home insurance policy. They provided all the information on policy. Good work keep it up!!
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    Listen to our customers

    member

    “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

    member

    “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

    member

    “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

    member

    “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

    member

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

    Muthu Selvan – Chennai

    member

    “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

    member

    “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

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    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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