Home Structure Insurance

Cover for the residential building against listed insured events.

What this type of cover does

Can cover repair or reconstruction of the insured structure after events such as fire and specified natural hazards.

Who commonly considers it

Homeowners responsible for rebuilding the property.

What to check in the policy

Registered name and IRDAI registration details of the insurer or intermediary
Who is insured, when cover starts and when it ends
Sum insured or benefit amount, deductibles, co-payments and sub-limits
Waiting periods, exclusions, claim conditions and cancellation terms
Premium amount, taxes, renewal rules and consequences of missed payment
Claim contact details and the insurer’s grievance-redressal process

Features vary by insurer and product. A generic plan type cannot tell you whether a particular claim will be paid; only the issued policy wording can do that.

Independent checks

Confirm the provider’s registration and read the customer information sheet and full wording before paying.

Open IRDAI

Also under Home & Property Insurance

Home Contents Insurance
Cover for eligible belongings kept inside the insured home.
Often considered by
Owners and tenants who want to protect household belongings.
Understand this cover
Fire & Special Perils Insurance
Property cover for fire and other perils specifically listed in the policy.
Often considered by
Homeowners, shops, offices, factories and warehouses.
Understand this cover

View all home & property insurance