Home Insurance

Secure your home and valuable belongings against fire, theft, and natural disasters.

Protect Your Most Valuable Asset

What is Home Insurance and Why It’s Important

Home insurance offers financial protection for your house and belongings against damages caused by fire, burglary, natural disasters, and other unexpected events. It is designed to help homeowners, tenants, and landlords recover from losses without financial strain.

Whether it’s a standalone building or a rented flat, home insurance gives you peace of mind knowing that your property is protected. Online options now make it easier than ever to compare and purchase policies based on your needs.

Convenient and Transparent

Why Buy Home Insurance Online?

Easy Comparisons

Compare coverage, features, and premiums across insurers in one place.

Instant Quotes & Purchase

Get a quote and complete the purchase without visiting any branch.

Flexible Policy Options

Select structure-only, contents-only, or comprehensive coverage based on your property type.

A Wise Move for Every Property Owner

Why Home Insurance is a Must-Have

01

Covers Fire and Natural Calamities

Protection against damage caused by fire, floods, earthquakes, and storms.

02

Burglary and Theft Coverage

Get compensated if valuable items or electronics are stolen from your home.

03

Alternative Accommodation Expenses

Covers cost of temporary housing if your home becomes uninhabitable.

04

Liability Protection

Coverage for third-party injury or damage caused within your premises.

05

Protection for Home Contents

Includes furniture, appliances, and personal belongings under a single policy.

06

Peace of Mind During Travel

Stay worry-free when away from home, knowing your property is protected.

Custom Coverage for Your Property

Types of Home Insurance Plans

Building Insurance

Protects the physical structure of your home against fire, floods, and more.

Covers damage or loss of household items like electronics, furniture, and appliances.

Comprehensive Home Insurance

Provides combined protection for both building and contents under one policy.

Insurance That Covers Every Corner

Why Upsure is a Smart Choice for Home Insurance

Multiple Plans from Top Insurers

Access policies from leading companies tailored to your property type.

Quick Policy Issuance

Complete your purchase online in a few simple steps.

Coverage for Owners and Tenants

Whether you own or rent, find the right protection for your situation.

Affordable Premiums

Choose budget-friendly plans without compromising on coverage.

Customizable Add-ons

Enhance your policy with earthquake, jewellery, or valuable documents cover.

Hassle-Free Claims Support

Our team helps you through every stage of the claim process.

Make an Informed Decision

Why Comparing Home Insurance Plans Matters

Comparing policies ensures you get the best value, right coverage, and avoid unexpected exclusions. It also helps you understand what each plan truly offers before making a decision.

Get the Right Coverage

Match the plan with the structure, size, and contents of your home.

Save on Premiums

Avoid overpaying by choosing plans that suit your specific risk profile.

Understand Policy Terms Clearly

Know what’s included and excluded before signing up.

Add-on Flexibility

See which policies offer the optional covers you may need.

Quick and Convenient

How to Buy or Renew Home Insurance

01

Share Property Details

Provide location, area, structure type, and ownership status.

02

Compare & Select Plan

View options based on coverage amount and risk profile.

03

Make Payment & Get Policy

Pay online and receive the policy document instantly in your inbox.

Basic Information Required

Documents Needed to Purchase Home Insurance

Property Ownership Proof

Sale deed, registration document, or ownership certificate.

Address & ID Proof

Aadhar, PAN card, utility bills, or government-issued ID.

Property Details

Built-up area, year of construction, and usage type (self-occupied or rented).

We’re With You When You Need Support

How to File a Home Insurance Claim

1

Notify the Insurer Promptly

Contact the insurer or Upsure support as soon as damage or loss occurs.

2

Submit Claim Form and Proof

Provide photos, police reports (for theft), bills, and repair estimates.

3

Survey and Settlement

An appointed surveyor evaluates the damage, and the claim is processed accordingly.

Know More Before You Insure

Frequently Asked Questions

No, home insurance is not mandatory by law, but it is strongly recommended. It protects your property and assets from financial losses due to natural disasters, theft, or accidental damage. Lenders may require building insurance when providing home loans.

Yes, tenants can purchase contents-only insurance to protect household items they own, such as furniture, electronics, and personal belongings. Building insurance is typically the responsibility of the homeowner or landlord.

Typical exclusions include damage from wear and tear, war, intentional damage, electrical/mechanical breakdowns, or negligence. Some policies also exclude loss of cash or documents unless specifically covered under add-ons.

Standard home insurance is available for completed structures. However, some insurers offer specialized policies for homes under construction, covering fire and allied perils. It’s best to check with the insurer for eligibility and conditions.

The premium is based on factors such as the cost of reconstruction, contents value, location, risk exposure (flood or earthquake-prone zones), and add-ons selected. Owners of high-value properties or flats in metros may have slightly higher premiums.

The building sum insured should be based on the reconstruction cost, not market value. For contents, you should declare an approximate value of household items, appliances, and valuables. Choosing adequate cover ensures smoother claim settlements.

Yes, most insurers allow cancellation provided there is a valid reason (e.g., property sold or insured under another policy). A refund of unused premium may be processed after deductions, depending on how long the policy was active.

Once documents are submitted and survey is completed, insurers usually settle claims within 7 to 15 working days. In complex cases involving structural damage or high-value loss, it may take longer. Upsure helps fast-track the process for our customers.

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Email: contactus@upsurebrokers.com Call: +91 90452 83235

Address: B-11, 2nd Floor, Sector 4, Noida UP - 201301

Upsure Insurance Brokers Pvt. Ltd., IRDAI Broker code - IRDAI / DB 958 / 2022, Valid Till date - 25 / 06 / 2026, Licence Number-899, CIN No.: U67200UP2022PTC164788, Principal officer name: Ankush Jain,
Contact No.: 91+ 90452 83235, Email ID: ankush.jain@upsurebrokers.com