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Home Insurance Sum-Insured
Building cover protects structure (fire, flood, earthquake). Contents protect what's inside (electronics, jewellery, furniture). Annual premium ~0.05-0.1% of total cover.
1200 sqft
20%
Furniture, electronics, jewellery.
Total cover
₹36,00,000
Building₹30,00,000
Contents₹6,00,000
Annual premium (≈)₹2,520
FAQ
Building OR contents?
Both. Building covers structure (fire, flood, earthquake). Contents covers what's inside. Combined plans typically save 10%.
Renters need home insurance?
Building cover not needed (landlord's). Contents cover IS recommended. ₹2,000-5,000/yr for ₹5L cover.
Earthquake / flood add-ons?
Most basic plans cover both. Some restrict to fire only. Read policy wording carefully.