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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.

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


    Cover damages due to fire or allied perils

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    Think long term, get 50% discount


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

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    Be prepared for unexpected calamities


    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


    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

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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

214 reviews

Write a review
  1. Neeraj singh | Dec 08, 2018
    The service provided by the ICICI Lombard customer care executive was cordial and really good. She even followed up on time, which was equally impressive. I am satisfied that this house insurance policy offers protection for any damage that occurs due to natural calamities.
  2. M.R. Ramesh | Oct 30, 2018
    Prompt and good service received from your team. This is one of the main reasons why I will always buy my home or any other policy from your company. Hope you continue to maintain these standards. All the best.
  3. Mukul Chandra Ghosh | Oct 24, 2018
    I was impressed by the offerings of your property insurance plan and decided to purchase it over the phone. However, it’s not showing in my profile despite notifying you twice. Please update my profile and follow up. Thanks.
  4. Ajay Hari | Oct 19, 2018
    The service provided by the ICICI Lombard customer care executive was cordial and really good. She even followed up on time, which was equally impressive. I am satisfied that this house insurance policy offers protection for any damage that occurs due to natural calamities.
  5. Kamalaksha D. Prasad | Oct 10, 2018
    I had recently contacted the team at ICICI Lombard to learn about the coverage they offer for home insurance and the benefits attached to this policy. I'm glad I did, because I was really confused about various things. But after hearing their expert advice, I feel more confident about my decision.
  6. Rishi Diwedi | Oct 06, 2018
    Your customer service executive was very polite. He assisted me in purchasing a home insurance policy at a very good price. I'm glad I was able to discuss this with someone who had so much knowledge on the subject. Best regards.
  7. Pallavi | Sep 30, 2018
    Purchasing home insurance from ICICI Lombard was a super experience. I received splendid support from the customer care employee I spoke with. He helped me complete the process with great ease. Thanks so much.
  8. Prakash Trivedi | Sep 24, 2018
    I had a few doubts regarding the home insurance policy offered by ICICI Lombard. I called the customer care helpline and was connected to a polite and helpful representative. He answered all of my doubts with ease. It was a brilliant experience.
  9. Pradeep Handa | Sep 21, 2018
    What an excellent experience! The customer care executive was helpful and soft-spoken. He explained the entire process to me in great detail. He was incredibly clear in his communication, so I was able to quickly buy my home insurance policy.
  10. C. Singh | Sep 20, 2018
    I recently bought home insurance from ICICI Lombard, and I must say, I've been pleasantly surprised. The entire process was effortlessly handled and before I knew it, the purchase was made. Too good.
  11. Suchet Patil | Sep 18, 2018
    I have never had such a fun and informative discussion with a customer care agent before. Home insurance is a serious subject and requires time to deal with every little aspect. But my whole perception was changed after interacting with your agent. He made the topic interesting. Cheers.
  12. Mrinal Shanker | Sep 14, 2018
    Excellent service. Your executive provided clear and complete information on home insurance, its benefits like protection against natural and man-made calamities, add-ons available, and premiums. Now this is called true customer service. All the best to him for his future in ICICI Lombard.
  13. Dr. Binay Mitra | Sep 10, 2018
    The team at ICICI Lombard has helped me purchase a home insurance for a wonderful price and I cannot be more thankful. Right from the beginning until the very end, they guided me through each step and made me feel comfortable to call them and enquire about any detail. Thank you so much.
  14. Neenu Jain | Sep 01, 2018
    Home insurance is a very serious concern; therefore I was dreading to speak with someone who might not understand or acknowledge that. But to my surprise, ICICI Lombard connected me to an agent who was extremely empathetic and helped me seal the perfect deal. I will never forget this incredible experience.
  15. Karthik V. Raman | Aug 22, 2018
    Impressed with your sales executive's knowledge of the product. She was patient enough to answer all my queries. Had lower quotes when compared to the other providers, and had great communication skills, too. All the best to her for a bright future!
  16. Babu Narayan | Aug 16, 2018
    Thankfully, I’ve received good customer support even after buying my policy. The ICICI Lombard insurance advisor I spoke to regarding my home insurance elaborated on all the benefits, including coverage against natural calamities. He even explained all the exclusions precisely.
  17. Tuhin Chaudhuri | Aug 05, 2018
    I wanted a good home insurance policy, and I'm glad I picked ICICI Lombard. The customer service they offer is really good. The concerned agent was prompt in answering queries and ensured my transaction was seamless and 100% hassle-free. He even elaborated on benefits like coverage against natural calamities. Keep it up!
  18. Deepti Nair | Jul 29, 2018
    I'm thrilled that I chose to partner with ICICI Lombard to protect my home. While looking for a good insurance policy for the same, I was put in touch with a helpful employee from their customer care team, who was polite and patiently answered all my questions. I received very good support. Thanks.
  19. Kamal Kumar Sharma | Jul 24, 2018
    I recently had a wonderful experience with ICICI Lombard while purchasing a home insurance policy. The agent thoroughly explained everything and even answered my doubts about the add-on cover for rent for alternative accommodation. I am satisfied.
  20. Alok Anand | Jul 17, 2018
    I recently renewed my home insurance and the team at ICICI Lombard were just phenomenal. I had a few queries that were quite technical in nature, therefore my call was directed to the senior executive. And I must say that each of your agents contributed in making this whole process a hassle-free one.
  21. R. Narayanan | Jul 13, 2018
    I had a very pleasant interaction with the sales representative that I spoke to. She helped me through all the steps that I needed to complete to purchase my property insurance policy. Everything went smoothly. However, I am yet to receive the soft copy of my policy documents. How can I expedite this process?
  22. V. Srinivasa Chary | Jul 08, 2018
    I recently purchased a home insurance policy from ICICI Lombard. And while the buying process was smooth and simple, I still haven't received the hard copy. Please look into this and send the courier as soon as possible.
  23. Surjit Kaur | Jul 04, 2018
    The service from the agent at ICICI Lombard was good. He covered all the basics and introduced me to a home insurance policy that provides an add-on cover for rent or alternative accommodation. He then helped me complete the purchasing process. I am happy.
  24. Aditya Mahajan | Jun 30, 2018
    Thanks to the speedy follow-up and persistent nature of your executive, you have a new customer. I hope to receive the same level of assistance and support from your team in the future.
  25. Krishanu Mitra | Jun 22, 2018
    Great service provided by the representative from ICICI Lombard. I wanted to invest in a policy that provided adequate coverage against natural and man-made calamities, and he was able to fulfill my requirements with the home insurance plan he suggested. Glad to be a customer.
  26. Scaria Mathew | Jun 03, 2018
    I had browsed through ICICI Lombard's website to find a suitable home insurance policy. Shorty after this, I spoke to your insurance advisor who provided me with great assistance. He elaborated on all the benefits of this plan while helping me with the rest of the formalities. I am absolutely satisfied with the service.
  27. Malhar Ambekar | Jun 02, 2018
    I really wanted to convey my appreciation for your sales executive who efficiently guided me through the process of purchasing a much-needed home insurance policy. From filling out the application form to making me understand the comprehensive covers it offers, he did it all perfectly.
  28. Jagadesh Balasubramani | Jun 01, 2018
    I recently had the chance to interact with one of your salespersons and put forth my queries regarding home insurance policy. I am satisfied with the quality of assistance provided to me. I hope ICICI Lombard will continue to exceed every customer's expectations. Good luck!
  29. Chandra Mohan Babbar | May 30, 2018
    I wanted to purchase a home insurance policy that provides an add-on cover for rent or alternative accomodation. Hence, I contacted one of your insurance salespersons to inquire about the same. His excellent knowledge about the plan helped me make the purchase with utmost ease.
  30. Vikram Anant Samsi | May 29, 2018
    Your salesperson rendered services that were exceptionally professional and patient. I am very happy with the quality of the service provided to me today. You should have more employees like her on the team.
  31. Atul Singhal | May 28, 2018
    My policy was about to expire, and I started receiving calls from one of your customer service members to renew it. I can't thank her enough, because she helped me sidestep a huge loss. Wonderful work. All the best.
  32. Rekha David | May 27, 2018
    The customer service associate who helped me purchase a home insurance plan was excellent at her job. She had a clear and optimistic voice, which made buying a policy from ICICI Lombard reassuring. All the features and benefits were explained very well. That's how I know that I'm entitled to financial coverage against fire and burglary. Keep it up.
  33. Dharminder Singh Chouhan | May 23, 2018
    It was a remarkable experience dealing with your team member. He guided me efficiently and even elaborated on all the benefits and conditions of home insurance plans properly, emphasising the comprehensive coverage for structures and contents of the house. Thank you for your support.
  34. Kaushik Pal Singh Ahluwalia | May 22, 2018
    Thanks to your salesperson, I understood the entire procedure of booking an insurance policy. I also learned about the benefits of a good home insurance plan, such as upto 25% discount on content insurance and structure coverage of upto 10 years. Well done!
  35. Omprakash Saini | May 21, 2018
    The cooperation I received from ICICI Lombard's sales executive was outstanding. She supported me all the way till the end and made sure I learned about important features like upto 50% discount on structure insurance. Thank you for your help.
  36. Prabhakar Dhuliya | May 17, 2018
    I was looking for a home insurance policy that provides add-on cover for rent and coverage against natural calamities. I got in touch with one of your salespersons, who convinced me to buy the plan from ICICI Lombard. It was a pleasant experience, and I am satisfied with my purchase.
  37. Gowrish Mallya | May 16, 2018
    The salesperson did a great job of renewing my policy. Not only did he explain the whole process as he undertook it but also reacquainted me with benefits like coverage against both man-made and natural calamities. Thanks for all the help!
  38. Manav Bakshi | May 15, 2018
    First-class service from the agent at ICICI Lombard. I was issued the policy instantly and without any hassles, as promised. I don’t have any complaints whatsoever. Thanks a lot, and keep it up!
  39. Chandrasekhar | May 14, 2018
    Just finished booking my home insurance policy from ICICI Lombard. The salesperson told me all about details like financial coverage against theft and fire. I have found my go-to company for all insurance needs.
  40. Amit Nair | May 13, 2018
    It was a pleasure talking to one of your agents. He offered a ton of support and carefully presented all the terms and conditions in a way that I remembered them. Thanks for the awesome experience!
  41. Sangeeta Bajaj | May 08, 2018
    It is always a delight to speak to your customer care representatives as they are helpful and knowledgable. The team member who approached me this time knew everything about the policy and encouraged me to make a decision only after understanding plan benefits like 10 years structural coverage and add-on cover for rent. Great job!
  42. Amit Kishore | May 07, 2018
    Top-notch service from the team of ICICI Lombard. I wanted to buy a home insurance policy, and one of your representatives guided me through the entire process. She was honest and forthcoming about important features like add-on cover for rent and coverage against man-made calamities. Thanks for responding to my queries!
  43. Ravinder Singh | May 06, 2018
    The agent from ICICI Lombard was a thorough professional. He gave excellent advice and suggested only those policies that were actually compatible with my needs. Thank you for the wonderful experience!
  44. Rajashri Chakraborty | May 02, 2018
    I like the way your executive explained the details of the product. I received satisfactory answers to all my questions, and was informed about features I previously did not know about, such as comprehensive coverage and upto 50% discount on structure insurance. I am happy with the policy I purchased.
  45. Ravinder Kumar Arora | May 01, 2018
    I am extremely satisfied with the customer support service of ICICI Lombard. The salesperson helped me choose the right home insurance policy, which offers features like covers against natural calamities and add-on cover for rent for alternative accommodation. Another executive helped me resolve my login problem. Great work!
  46. Sreenivasan Iyer | Apr 30, 2018
    The ICICI Lombard customer care executive I spoke to carefully guided me through the process of purchasing two home insurance policies. She remained extremely patient and helpful during the interaction, and was very mindful of my interests. Thanks a lot!
  47. Ankit Vats | Apr 27, 2018
    While looking for a suitable home insurance, I was aptly and proficiently assisted by your representative. Through this interaction, I was made aware of many policy benefits such as coverage against both natural and man-made calamities. Excellent service!
  48. Shridhar Hanumasagar | Apr 25, 2018
    I would like to provide my feedback on the interaction I had with your salesperson. He helped me purchase my home insurance policy online. I am thankful for his excellent support and guidance. He made me aware of the plan’s terms & conditions as well as inclusions and exclusions.
  49. Rajeev Ranjan Prasad | Apr 23, 2018
    Just finalised my ICICI Lombard home policy! I received some really great support from your agent. Upon hearing my issue, he made suggestions that would suit me the best. I also learnt about useful provisions of the plan such as 50% discount on structure insurance.
  50. Karthigeyan Gunaseelan | Apr 21, 2018
    Thanks for helping out with the renewal of my ICICI Lombard home insurance. Your salesperson efficiently guided me in completing the aforementioned process over the phone. Through this conversation, I learned about the plan’s benefits like instant issuance of policy online.
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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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