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Home insurance, also known as homeowners insurance, is a type of property insurance that provides financial protection against losses and damages to an individual's house and the assets inside it.

From your expensive gadgets and beautiful interiors to your jewellery and other valuable belongings, home insurance protects everything. 

What is Home Insurance?

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Home insurance is a policy that helps you cover your own home or rented apartment, as well as your personal belongings within, from unforeseen circumstances such as burglary, fire, flood, storm, and explosion. 

This type of insurance is especially important for homeowners who want to safeguard their investment and ensure they are not left with significant out-of-pocket expenses after a disaster. Our Go Digit, Bharat Griha Raksha Policy (UIN - IRDAN158RP0081V01202021) will help you secure your home and valuables.

To ensure that your home is secured against burglaries as well, you can combine the Digit Burglary Insurance policy with your Home Insurance policy.

Why Do You Need Home Insurance?

Home insurance is essential because it provides financial protection against unexpected events that could damage or destroy your home and belongings. Here are some reasons why you must have home insurance:

Protects Against Natural Disasters

India faces frequent extreme weather events like floods, cyclones, earthquakes, and storms, which can cause severe damage to homes. Home insurance ensures financial assistance after unforeseen disasters.

Provides Coverage for Theft and Burglary

Burglaries or vandalism can lead to the loss or damage of valuables such as electronics, jewellery and furniture. A home insurance policy helps compensate for these losses, allowing you to replace or repair your belongings.

Protects Valuable Personal Belongings

Home insurance doesn’t just cover your home structure; it also protects personal items inside, like electronics, appliances, artwork, and furniture against damage or theft, depending on your policy.

Affordable Protection for a Major Asset

Home Insurance is an affordable investment and a smart financial move to avoid incurring massive out-of-pocket costs in the event of unexpected damage or loss to your home and possessions.

Financial Security for Future Stability

Without home insurance, paying for repairs after a disaster, burglary, or accident can derail long-term financial plans. Home Coverage ensures that major expenses are handled without affecting savings for education, retirement, or other life goals.

Peace of Mind

Living with financial uncertainty about natural disasters, theft, or accidents can be stressful. Home insurance provides peace of mind, knowing that your property and belongings are always financially protected.

“You Think Home Insurance Isn’t Necessary?”

If you’re still thinking so, read on…

1

In the first nine months of 2024, extreme weather events in India destroyed 235,862 houses and buildings. (1)

2

According to a report, India experienced extreme weather events on 86% of the days in the first nine months. (2)

3

A burglary, robbery, or break-in occurs every 3 minutes in India, highlighting the need for home security measures. (3)

4

In 2022, India reported over 652,000 theft cases, representing a significant increase compared to previous years. This was a significant rise in cases compared to the last fiscal year. (4)

5

Approximately 59% of India's landmass is vulnerable to earthquakes, with major cities like Delhi, Mumbai, and Kolkata falling in high-risk seismic zones. (5)

6

Over 85% of Indian districts are exposed to extreme climate events, such as floods, droughts, and cyclones, which increases the risk of property damage. (6)

All You Need To Know About Home Insurance

Check this Conversation out to know everything about Home Insurance by Expert- Vivek Chaturvedi.

*This Video is just for information Purpose

Benefits of Protecting Your Home with Home Insurance

Protecting your home with home insurance offers several important advantages that go beyond just financial coverage. Here are some key advantages:

Secured through Uncertainty

Home burglaries can happen anywhere, anytime- even in the most secure places. Home insurance helps you recover from losses that could occur due to such uncertain and unforeseen circumstances.

Complete Financial & Social Security

Contrary to popular belief, home insurance goes beyond just the physical property of your home. It covers everything, right from your garage to your home’s contents.

Protection from Natural Calamities

Going through the hassle of rebuilding your home and recovering from the damages can not only be stressful but also result in a significant loss of money. Luckily, having home insurance can cover you for it all!

Types of Coverage in a Home Insurance Policy

In general, the Bharat Griha Raksha policy offers three different kinds of coverage.  You can select any kind based on your needs and financial constraints.

Only Content Cover

It provides coverage for all household contents. It can cover popular content such as electrical equipment and furniture.

Building + Content Cover

Under this cover, you are fully protected against several threats to the building's structure and contents.

Only Building Cover

This policy covers damage to the building's basic foundation, walls, and roof, among other structural elements.

Note: In home insurance, building refers to the physical aspect of your house and contents refers to the articles and things in your house.

Types of Buildings Covered Under Home Insurance

From independent owned homes to rented apartments; a home insurance by Digit is designed to suit all types of houses.

Individual Apartment

Those who live in independent flats, whether part of a housing society or standalone buildings, must have home insurance. The same could be either a flat that you own or rent. Digit policy is suited for both!

Independent Building

Perhaps you and your extended family live in a standalone building, owning or renting flats in the entire building. In this case, you can choose to cover for them all with a home insurance by Digit.

Independent Villa

Suppose you own or have rented an independent villa or house. In that case, home insurance is essential to protect your property and its contents from potential risks such as burglary, flooding, storms, and other unforeseen circumstances.

Who Should Get Home Insurance?

Home insurance is recommended for anyone who owns or resides in a home, regardless of the type or location of the home. Here’s who should consider getting it:

For Homeowners

There aren't many things in life that compare to the satisfaction of opening the door and entering a home you own. 🙂 But what if something happens to it?

 

With home insurance, homeowners can rest easy. It can safeguard possessions from theft, fire, man-made dangers, natural disasters, and more.

For Renters

Finding a perfect rental property in your desired location is not as easy as it seems. But even if you're a tenant, everyone needs to feel protected. 🙂

 

With a home insurance policy, you can safeguard all of your possessions and protect yourself from monetary damages in the event of accidents, burglary, or natural disasters.

Why Choose Digit for Home Insurance?

What’s Great About Home Insurance by Digit?

Go Digit, Bharat Griha Raksha policy is great because it offers the below mentioned benefits:

 

Value for Money - We ensure your home is covered and the premium is affordable for you and under your budget!

Digital Friendly - With Digit, everything from buying a home insurance policy to making claims is simple and can be done online! (Note: Claims above 1 lakh will need manual inspection as per the IRDAI).

Comprehensive Protection of Your Home - Natural calamities, such as earthquakes or floods, as well as theft and burglaries, can occur at any time. Home insurance covers all of these situations and more.

Tenant and Owner Security - You can discover a house insurance policy that safeguards your safe haven, whether you're a renter or a homeowner.

24x7 Customer Support - Emergencies come unannounced and can happen at any point in time! Hence, we are always a ring away, no matter the time or day!

What’s Covered in Home Insurance by Digit?

What’s Not Covered?

Bharat Griha Raksha policy does not cover damages caused by the reasons mentioned below:

Deliberate Damage

The policy does not cover any intentional destruction of the house by the owner or occupants.

War and Hostilities

Losses resulting from war, invasions, or war-like operations do not fall under the coverage.

Contamination and Radiation

Damages caused by ionising radiation or radioactive contamination are excluded.

Excluded Items

The policy does not cover bullion, unset precious stones, manuscripts, vehicles, or explosive substances.

Claim Processing Fees

Any expenses incurred for preparing a claim, such as documentation fees, are not reimbursed.

Structural Modifications

Those expenses will not be covered if the house undergoes alterations exceeding 10% of its carpet area (from the commencement date or on the date of renewal).

Documents Required to Buy Home Insurance

When purchasing a home insurance policy, insurers typically require some basic documents for verification. Below is a list of optional documents that may be needed at the time of purchasing a policy:

ID

Identity Proof:

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ID

Address Proof

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ID

Property Documents:

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ID

KYC Documents:

more

Why Should You Buy a Home Insurance Plan Online?

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Buying anything online is undoubtedly convenient and faster. For decisions as crucial as home insurance, it’s always better to have the time and peace of mind to decide on the best possible choice. Here are a few reasons why you must buy home insurance online.

  • You can avoid standing in long lines outside the insurer's office, interacting with representatives, or waiting around when you get house insurance online. 

  • Forget about handling a ton of paperwork. Buying health insurance online is easy and convenient with a few clicks. 

  • When you buy house insurance online, you have a lot of alternatives for adding extra coverage to your policy.

  • You can buy straight from the insurance provider, eliminating the need to pay an agent or commission.

  • You can easily check, select, and decide to buy home insurance online by comparing coverage, add-ons, and sum insured.

Factors that Affect Your Home Insurance Premium

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Several factors influence the home insurance premium you pay. These factors help insurers assess the risk associated with insuring your property. Here are some:

  • Type of Home  - Your premium amount differs if you have your own property, are renting a place, or if it is an apartment or independent bungalow, or even the type of furnishing affects your premium rate.

  • Location of the Building – If your home is in zones prone to disasters such as floods, fires or even in unsafe areas where crime and theft are common, it could affect the amount of premium you have to pay. Homes located in a safer society offer an economic premium.

  • Age of Home - Like any other insurance policy, age is a prime factor in determining premium prices.

  • Size of Home - The square ft area of your home has the highest and direct impact on your home insurance premium.
  • Value of your Belongings – The value of your belongings in your home also affects the amount of premium you will have to pay. For example, if you have expensive jewellery, artefacts, expensive gadgets, etc. insuring these items is crucial. This will also directly reflect in your premium amount.

  • Home Safety Measures  - We’re all obsessed with the safety of our homes. So, we take various measures, such as adding a security system, to keep our homes safe. This positively impacts your premium, resulting in a lower rate. 

  • Additional Coverages  -  Some home insurance policies offer additional coverage to cover things beyond the standard plan. This consequently affects one’s premium.

Tips to Select the Best Home Insurance Plans

When you’re deciding to buy a home insurance policy, the following are some of the important factors you can compare to choose the right plan for your home:

Coverage Benefits

The most important part of your home insurance is the kind of coverage you’re getting. You need to know what you will be covered for in the case of an unfortunate event. Therefore, always look at what is covered and what is not covered to help evaluate the most valuable plan to you.

Sum Insured

Your Sum Insured in your Home Insurance refers to the total amount you’ll be covered for in the case of a claim you make. Therefore, be very wary on the amount you’d like to go for since this won’t only affect your home insurance premium but will also affect the claim amount you will receive in the case of damages and losses!

Add-ons Available

Sometimes, you need coverage beyond just the basic plan benefits. This is where add-ons come in use. Different insurance providers offer varying ranges of add-ons for individuals to choose from. Likewise, we at Digit offer a unique jewellery protection add-on for Home Insurers. Compare your options and see what works best for you!

Check Claim Settlement Ratio

Checking the home insurance company's claim settlement percentage before to making any purchases from them is another essential advice you shouldn't overlook. The insurer's CSR will provide a clear overview of the proportion of claims they have settled or cleared in a given year compared to the total number of claims they have received.

Understanding Policy Exclusion

It's important to thoroughly comprehend the inclusions and exclusions of your house insurance policy. Understanding what is not covered before paying the premium guarantees a simple claim settlement procedure. Additionally, review the policy's terms and conditions before purchasing it.

Why You Must Buy Home Insurance: In Coversation with Dilip Baba Neeronthiyil, Head-Underwriting, Digit Insurance

Mumbai Fire Claim of ₹31.68 Lakh Settled by Digit in FY 2024 - 2025

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A devastating fire at a residential property in Mumbai left the homeowner facing massive damages. With losses mounting, Digit stepped in and settled a claim worth ₹31.68 lakh, one of our highest home insurance settlements in FY 2024 - 2025.

What mattered most was how seamlessly and transparently we handled the process. From the initial claim notification to the final settlement, everything was managed with clarity, speed, and genuine support.

At Digit, it’s never just about the property; it’s about the people who make it home. 🙂

Your home is more than just walls and a roof, and it’s where life happens. 😃 From morning coffees to bedtime stories, it's the backdrop of your everyday memories. And while we can't always control what life throws at us, we can definitely prepare for it. Hence, getting a home insurance policy isn’t just a financial decision; it’s a promise to protect everything you’ve built and love.

So, whether you're a first-time homeowner or someone who's been living in the same space for years, give your home the protection it deserves. 

After all, peace of mind isn’t expensive, it’s priceless.

FAQs about Home Insurance in India

Is structure and building the same thing in a home insurance?

Yes, structure and building refers to the same thing; i.e. the physical aspects of your house such as the pillars, windows, outer walls, etc.

What should I do in case of damages in my house?

If your house has faced damages due to events such as a fire, robbery, storm, flood or earthquake, then you should immediately call us at our helpline number 1800-258-5956 (we’re available 24x7!) and we’ll take care of the rest. 

Can I cancel the policy at any time during the tenure?

Yes, you can cancel your policy at any time. The premium amount will be refunded basis a percentage system as defined in your policy document.

Does Bharat Griha Raksha have automatic renewal?

No, Bharat Griha Raksha policy does not offer automatic renewal of the policy. If you wish to renew your policy, it must be done before the end of the policy period by paying the required premium amount.

How is the sum insured of building calculated in Go Digit, Bharat Griha Raksha product?

Building sum insured is calculated by considering per square ft. carpet area and Cost of Construction.

What in-built cover for contents is available under Bharat Griha Raksha policy?

Bharat Griha Raksha offers an in-built cover for general home contents automatically. This means the insured need to additionally mention items such as furniture, kitchen equipment, clothing, etc. The policy provides 20% of the sum insured for the building subject to a maximum of Rs 10 lakh.

Can all the Individuals in the family be covered under Personal Accident cover? Is there any sum insured capping?

Personal Accident is optional cover. Personal Accident Coverage is limited to Insured and their spouse. In case of death of Insured & their spouse (after occurrence of Insured) - 5 lakhs per person can be claimed from the insurance company.

What does auto escalation mean? How does auto escalation work in Bharat Griha Raksha policy?

Auto escalation means an automatic increase of sum insured. In Bharat Griha Raksha policy there is an automatic increase (escalation) of 10% on base sum insured every year.

For example: If the initial sum insured = 1,00,00,000 then,

2nd year sum insured = 10% of base sum insured 1,00,00,000 + 10,00,000 = 1,10,00,000. Every year, the sum insured will increase proportionally.

Are housing society/dwelling in the name of corporate a part of Griha Raksha product?

Yes, dwelling and housing society is a part of Griha Raksha product. For dwelling it is for 10 years and for housing society it is 1 year.

Is there is any sum insured capping for Griha Raksha Product?

There is no sum insured capping for Griha Raksha Product.

Is auto escalation valid for annual policy?

Yes, auto escalation is valid for annual policy and is calculated on pro-rata basis.

What is the sum insured limit for loss of rent and rent for alternate accommodation and is there any capping on indemnity period?

Sum Insured limit is up to location sum insured and can be availed up to 36 months.

Is House Insurance Useful?

Yes, house insurance is beneficial for both homeowners and renters. It provides financial protection for your home and essential items, allowing you to live stress-free, knowing your home and belongings are secure.

What Documents Are Required to Buy Home Insurance?

To purchase home insurance in India, you typically need the following documents:

  • Proof of Ownership – Sale deed, property registration papers, or allotment letter.

  • Address Proof – Aadhaar card, utility bill, or rental agreement.

  • ID Proof – PAN card, Aadhaar card, or passport

Can tenants buy home insurance?

Yes, tenants can purchase contents insurance to protect their personal belongings inside the rented property. The landlord usually covers the structure.

Can I insure only the contents of my home?

Yes, most insurers offer standalone contents insurance policies, which are ideal for tenants or those who want to protect only their personal belongings.

Can I transfer my home insurance policy if I sell my house?

No, home insurance policies are non-transferable. The new owner must purchase a fresh policy in their name.

Does home insurance cover damage due to termites or pests?

No, damage caused by pests, termites, or rodents is typically excluded as it is considered preventable through regular maintenance.

Does home insurance cover valuable items like jewellery or art?

Yes, but only up to a specific limit. For high-value items, you may need to declare them separately and purchase additional coverage or a rider.

Can I buy home insurance online?

Yes, most insurers offer online purchase options. You can compare plans, customize coverage, and pay premiums digitally—often with instant policy issuance.

Can my home insurance claim be rejected?

Yes, your home insurance claims can be rejected due to:

  • Policy exclusions (e.g., wear and tear, negligence)

  • Incomplete or false documentation

  • Delay in claim intimation

  • Non-disclosure of facts at the time of policy purchase

What happens if my home insurance claim is rejected?

If your claim is rejected, you can request a review or appeal the decision with additional supporting documents. Common reasons for rejection include insufficient documentation, policy exclusions, or delayed claim filing.

What documents are required for a home insurance claim?

Common documents required for a home insurance claim include a duly filled claim form, Proof of damage (photos, repair bills), an FIR (for theft or fire incidents), Property ownership documents, and any additional documents requested by the insurer.

Can I renew my home insurance policy online?

Yes, most insurers offer online renewal options. You can visit the insurer’s website, enter your policy details, review the coverage, and make the payment to renew your policy instantly.

What happens if I miss my home insurance renewal date?

If you miss the renewal date, your policy may lapse, leaving your home unprotected. Some insurers offer a grace period, but if the policy expires, you may need to purchase a new policy, possibly at revised terms and premiums.

Does renewing my home insurance policy increase the premium?

No, but premiums may increase upon renewal due to inflation, risk assessment, or changes in coverage. However, maintaining a claim-free record or opting for a higher deductible can help keep premiums affordable.

Do I need to renew my policy to maintain claim eligibility?

Yes. If your policy lapses and is not renewed, you lose coverage and cannot file claims for any damage occurring during the uninsured period.