Frequently Asked Question about Digit Home Insurance

Digit Home Insurance is a property insurance policy by Digit that protects your home and its contents from risks like fire, theft, floods, earthquakes, and other natural or man-made disasters. It offers coverage for both homeowners and renters, and includes options for building-only, contents-only, or combined coverage

Digit Home Insurance is a property insurance policy by Digit that protects your home and its contents from risks like fire, theft, floods, earthquakes, and other natural or man-made disasters. It offers coverage for both homeowners and renters, and includes options for building-only, contents-only, or combined coverage

The home insurance policy by Digit protects your home and belongings against a wide range of natural and man-made disasters. These include:  Fire, lightning, explosion, implosion, earthquakes, volcanic eruptions, storms, cyclones, floods, tsunamis, landslides, rockslides, and forest fires.  It also covers damage caused by riots, strikes, malicious acts, terrorist activities, and impact from vehicles or falling trees.  Additionally, it includes bursting or overflowing of water tanks and pipes, leakage from sprinkler systems, and theft. But only if the theft occurs within seven days of any of the insured events.

The home insurance policy by Digit protects your home and belongings against a wide range of natural and man-made disasters. These include: 

Fire, lightning, explosion, implosion, earthquakes, volcanic eruptions, storms, cyclones, floods, tsunamis, landslides, rockslides, and forest fires. 

It also covers damage caused by riots, strikes, malicious acts, terrorist activities, and impact from vehicles or falling trees. 

Additionally, it includes bursting or overflowing of water tanks and pipes, leakage from sprinkler systems, and theft. But only if the theft occurs within seven days of any of the insured events.

Yes, renters can buy Digit Home Insurance. You can opt for a contents-only policy to protect your personal belongings inside the rented property.

Yes, renters can buy Digit Home Insurance. You can opt for a contents-only policy to protect your personal belongings inside the rented property.

Absolutely. Digit allows you to combine home building and contents coverage in one policy. The contents cover is typically 20% of the building sum insured, up to ₹10 lakh.

Absolutely. Digit allows you to combine home building and contents coverage in one policy. The contents cover is typically 20% of the building sum insured, up to ₹10 lakh.

Yes, Digit Home Insurance can be purchased for second homes or vacation properties, provided they meet the eligibility criteria for residential coverage.

Yes, Digit Home Insurance can be purchased for second homes or vacation properties, provided they meet the eligibility criteria for residential coverage.

You can buy a Home Insurance policy from the Digit app. You need to select your property type, enter your PIN code and mobile number. After viewing prices and choosing your plan, fill in your personal details, pay online, and complete KYC. That’s it!

You can buy a Home Insurance policy from the Digit app. You need to select your property type, enter your PIN code and mobile number. After viewing prices and choosing your plan, fill in your personal details, pay online, and complete KYC. That’s it!

Digit emphasises zero documentation for the Home Insurance policy. However, KYC verification is mandatory, for which you may require the following documents: PAN card Address proof

Digit emphasises zero documentation for the Home Insurance policy. However, KYC verification is mandatory, for which you may require the following documents:

• PAN card
• Address proof

Anyone who owns or rents a residential property in India can buy Digit Home Insurance. This includes: Individual homeowners Tenants Housing societies

Anyone who owns or rents a residential property in India can buy Digit Home Insurance. This includes:

• Individual homeowners
• Tenants
• Housing societies

You can insure your home building and cover as per your requirement. The Digit home insurance policy offers two plan coverages: Building-only cover and combined building + contents cover for your owned building. For rented houses, you will have the option to take only the content cover.

You can insure your home building and cover as per your requirement. The Digit home insurance policy offers two plan coverages: Building-only cover and combined building + contents cover for your owned building. For rented houses, you will have the option to take only the content cover.

To determine how much home insurance coverage you really need, start by calculating the reconstruction cost of your home, not its market value. This includes the cost of rebuilding the structure based on current material and labour rates in your area. Then, add the value of your home contents, such as furniture, appliances, electronics, and valuables. Consider any additional coverage for natural disasters or theft if you're in a high-risk area. The goal is to ensure you're fully protected without overpaying for unnecessary coverage.

To determine how much home insurance coverage you really need, start by calculating the reconstruction cost of your home, not its market value. This includes the cost of rebuilding the structure based on current material and labour rates in your area.

Then, add the value of your home contents, such as furniture, appliances, electronics, and valuables. Consider any additional coverage for natural disasters or theft if you're in a high-risk area. The goal is to ensure you're fully protected without overpaying for unnecessary coverage.

If you need to amend any details in your home insurance policy after purchasing it, such as changes to your name, email address, contact details, residential address, or nominee information, simply email the updated information to hello@godigit.com.

If you need to amend any details in your home insurance policy after purchasing it, such as changes to your name, email address, contact details, residential address, or nominee information, simply email the updated information to hello@godigit.com.

You can download your policy on the Digit app from the “My Policies” section by logging in with your registered mobile number at any time.

You can download your policy on the Digit app from the “My Policies” section by logging in with your registered mobile number at any time.

If the app crashes during your insurance purchase, wait a few minutes and try reopening the app. Check your bank or payment app to see if the payment was deducted. If money was deducted, contact Digit’s customer support at 1800-258-5956 with your payment reference number (if available) to confirm the status. Digit’s support team can help you resume the process or issue a refund if needed. So don’t worry, your progress isn’t necessarily lost!

If the app crashes during your insurance purchase, wait a few minutes and try reopening the app. Check your bank or payment app to see if the payment was deducted. If money was deducted, contact Digit’s customer support at 1800-258-5956 with your payment reference number (if available) to confirm the status.

Digit’s support team can help you resume the process or issue a refund if needed. So don’t worry, your progress isn’t necessarily lost!

Once payment and KYC are completed, the policy is issued immediately, and coverage begins from the start date mentioned in the policy document.

Once payment and KYC are completed, the policy is issued immediately, and coverage begins from the start date mentioned in the policy document.

Digit’s Bharat Griha Raksha home insurance policy offers comprehensive protection for homeowners by covering both the structure of the home and its contents against a wide range of risks.  The policy primarily covers two components: Home Building: This includes the physical structure of your home, walls, roof, fixtures, fittings, and permanent installations. If your home is damaged or destroyed due to insured events, the policy covers the cost of repair or reconstruction. It also includes expenses like debris removal, architect and engineer fees, and rent for alternative accommodation if your home becomes uninhabitable. Home Contents: This includes household items such as furniture, appliances, and personal belongings. By default, contents are covered up to 20% of the building sum insured (capped at ₹10 lakh), unless you choose to opt out or increase the limit.

Digit’s Bharat Griha Raksha home insurance policy offers comprehensive protection for homeowners by covering both the structure of the home and its contents against a wide range of risks. 

The policy primarily covers two components:

• Home Building: This includes the physical structure of your home, walls, roof, fixtures, fittings, and permanent installations. If your home is damaged or destroyed due to insured events, the policy covers the cost of repair or reconstruction. It also includes expenses like debris removal, architect and engineer fees, and rent for alternative accommodation if your home becomes uninhabitable.
• Home Contents: This includes household items such as furniture, appliances, and personal belongings. By default, contents are covered up to 20% of the building sum insured (capped at ₹10 lakh), unless you choose to opt out or increase the limit.

Yes. Digit covers loss or damage to your home due to fire, explosions, lightning, earthquakes, floods, storms, cyclones, landslides and other natural calamities listed under insured events.

Yes. Digit covers loss or damage to your home due to fire, explosions, lightning, earthquakes, floods, storms, cyclones, landslides and other natural calamities listed under insured events.

Yes, theft is covered under Digit home insurance if it happens within 7 days of and is directly linked to another insured event (like a fire, flood or earthquake). Standalone theft or burglary isn’t covered.

Yes, theft is covered under Digit home insurance if it happens within 7 days of and is directly linked to another insured event (like a fire, flood or earthquake). Standalone theft or burglary isn’t covered.

By default, the contents cover is 20% of the home building sum insured, capped at ₹10 lakh. If you need more, you can declare a higher sum insured and pay an additional premium.

By default, the contents cover is 20% of the home building sum insured, capped at ₹10 lakh. If you need more, you can declare a higher sum insured and pay an additional premium.

Under the Digit Bharat Griha Raksha Home Insurance policy, major exclusions refer to situations or causes of damage that are not covered by the insurance. These include: Damage due to defective design, workmanship, or materials Loss from demolition, construction, structural alterations, or excavations Damage caused by coastal or river erosion Loss due to temporary or permanent dispossession by the government or unlawful occupation Damage from pressure waves caused by aircraft at sonic/supersonic speeds Theft of items outside the home or not securely mounted Damage from repairs or alterations to sprinkler systems or known construction defects

Under the Digit Bharat Griha Raksha Home Insurance policy, major exclusions refer to situations or causes of damage that are not covered by the insurance. These include:

• Damage due to defective design, workmanship, or materials
• Loss from demolition, construction, structural alterations, or excavations
• Damage caused by coastal or river erosion
• Loss due to temporary or permanent dispossession by the government or unlawful occupation
• Damage from pressure waves caused by aircraft at sonic/supersonic speeds
• Theft of items outside the home or not securely mounted
• Damage from repairs or alterations to sprinkler systems or known construction defects

The cost depends on the sum insured, type of construction, location, value of your house and household items, carpet area and whether you cover building, contents, or both. Digit’s home insurance policy starts at ₹150/year.

The cost depends on the sum insured, type of construction, location, value of your house and household items, carpet area and whether you cover building, contents, or both. Digit’s home insurance policy starts at ₹150/year.

The premium of the home insurance policy generally depends on the following factors: Sum insured for building and contents Construction type Value of your house, household items and the carpet area Location and risk exposure Add-ons like valuable contents or personal accident cover

The premium of the home insurance policy generally depends on the following factors:

• Sum insured for building and contents
• Construction type
• Value of your house, household items and the carpet area
• Location and risk exposure
• Add-ons like valuable contents or personal accident cover

Digit’s Bharat Griha Raksha policy is offered with a single premium payment for the entire policy term. There are no monthly payment options available under this policy.

Digit’s Bharat Griha Raksha policy is offered with a single premium payment for the entire policy term. There are no monthly payment options available under this policy.

You can renew your Digit insurance policy quickly and easily through the Digit app. You can customise the value of house and add any add-on covers. Once you’ve reviewed all the details, you can complete the renewal securely through the app—no paperwork is required.

You can renew your Digit insurance policy quickly and easily through the Digit app. You can customise the value of house and add any add-on covers. Once you’ve reviewed all the details, you can complete the renewal securely through the app—no paperwork is required.

If you miss the renewal date, your policy will lapse, meaning coverage will temporarily stop. However, you can still renew it after expiry. In such cases, the new policy will start from the date of payment and policy issuance.

If you miss the renewal date, your policy will lapse, meaning coverage will temporarily stop. However, you can still renew it after expiry. In such cases, the new policy will start from the date of payment and policy issuance.

Yes, you can switch to a different plan if available within Digit’s offerings. You also have the option to change your insurer entirely at the time of renewal, depending on your preferences and coverage needs.

Yes, you can switch to a different plan if available within Digit’s offerings. You also have the option to change your insurer entirely at the time of renewal, depending on your preferences and coverage needs.

To file a claim for your Digit home insurance, you can call us at 1800-258-5956. Our team will assist you in filing the claim and investigating the loss or damage as necessary, and will also guide you on the required documentation.

To file a claim for your Digit home insurance, you can call us at 1800-258-5956. Our team will assist you in filing the claim and investigating the loss or damage as necessary, and will also guide you on the required documentation.

Digit may send a surveyor/engineer to inspect your property, take photographs, measurements, and verify documents.

Digit may send a surveyor/engineer to inspect your property, take photographs, measurements, and verify documents.

While the buying and claiming process of Digit home insurance is entirely digital, inspections and surveys may still require physical verification.

While the buying and claiming process of Digit home insurance is entirely digital, inspections and surveys may still require physical verification.

Common documents required for a home insurance claim include the claim form, FIR/police/fire brigade reports (depending on the event), bills, invoices, photos, and any certificates from local authorities.

Common documents required for a home insurance claim include the claim form, FIR/police/fire brigade reports (depending on the event), bills, invoices, photos, and any certificates from local authorities.

Yes. Claims can be tracked online through Digit’s website or customer support.

Yes. Claims can be tracked online through Digit’s website or customer support.

For theft, riots, strikes, terrorism and similar cases, an FIR is mandatory. For other perils like fire, flood or storm, reports from the fire brigade or local authorities may be required.

For theft, riots, strikes, terrorism and similar cases, an FIR is mandatory. For other perils like fire, flood or storm, reports from the fire brigade or local authorities may be required.

Yes. If your insurance claim gets rejected, you can escalate to Digit’s Grievance Redressal Team. Our team will review your case and assist you further. If you're not satisfied with the resolution provided, you may escalate the matter to the Insurance Ombudsman. The Ombudsman provides an impartial avenue for addressing disputes related to insurance claims and can review your case for further consideration.

Yes. If your insurance claim gets rejected, you can escalate to Digit’s Grievance Redressal Team. Our team will review your case and assist you further.

If you're not satisfied with the resolution provided, you may escalate the matter to the Insurance Ombudsman. The Ombudsman provides an impartial avenue for addressing disputes related to insurance claims and can review your case for further consideration.

No depreciation is applied to building cover; claims are based on reinstatement value. For contents, Digit pays repair/replacement costs depending on the item’s condition.

No depreciation is applied to building cover; claims are based on reinstatement value. For contents, Digit pays repair/replacement costs depending on the item’s condition.

You can cancel this policy at any time by giving us notice in writing. The policy will terminate when we receive your notice.

You can cancel this policy at any time by giving us notice in writing. The policy will terminate when we receive your notice.

Yes, if you cancel the policy before expiry, you’ll get a refund. The refund amount is subject to Digit’s short-period scale. This means the refund will depend on how long the policy was active before cancellation, and certain deductions may apply.

Yes, if you cancel the policy before expiry, you’ll get a refund. The refund amount is subject to Digit’s short-period scale. This means the refund will depend on how long the policy was active before cancellation, and certain deductions may apply.

You can call at 1800-258-5956 or email hello@godigit.com for Digit home insurance queries or claims.

You can call at 1800-258-5956 or email hello@godigit.com for Digit home insurance queries or claims.

You can call Digit’s customer service or visit their website to report immediately. Provide your policy details, nature of damage, and supporting reports from authorities.

You can call Digit’s customer service or visit their website to report immediately. Provide your policy details, nature of damage, and supporting reports from authorities.

If burglary happens within 7 days of another insured event (like a flood or fire), Digit pays for the stolen contents as mentioned in your policy coverage.

If burglary happens within 7 days of another insured event (like a flood or fire), Digit pays for the stolen contents as mentioned in your policy coverage.

You’ll get the policy schedule and documents immediately upon purchase through email and on the Digit app.

You’ll get the policy schedule and documents immediately upon purchase through email and on the Digit app.

Report it to Digit immediately, inform local authorities like the police and the fire brigade, take steps to prevent further loss, and file your claim within 30 days.

Report it to Digit immediately, inform local authorities like the police and the fire brigade, take steps to prevent further loss, and file your claim within 30 days.

The best home insurance in India depends on your specific needs, whether you're looking to protect just the structure, the contents, or both. That said, Digit’s Bharat Griha Raksha Policy is a strong contender due to its simple digital process, transparent pricing, and comprehensive coverage for fire, natural calamities, and more. It’s especially popular for its ease of purchase and claim settlement, all done online without paperwork.

The best home insurance in India depends on your specific needs, whether you're looking to protect just the structure, the contents, or both. That said, Digit’s Bharat Griha Raksha Policy is a strong contender due to its simple digital process, transparent pricing, and comprehensive coverage for fire, natural calamities, and more. It’s especially popular for its ease of purchase and claim settlement, all done online without paperwork.

Yes, buying home insurance is a smart financial decision. It protects your home and belongings from unexpected events like fire, floods, earthquakes, and theft. With rising repair and reconstruction costs, a policy like Digit’s home insurance ensures you're not financially burdened in case of damage or loss. It offers peace of mind and financial security for one of your most valuable assets.

Yes, buying home insurance is a smart financial decision. It protects your home and belongings from unexpected events like fire, floods, earthquakes, and theft. With rising repair and reconstruction costs, a policy like Digit’s home insurance ensures you're not financially burdened in case of damage or loss. It offers peace of mind and financial security for one of your most valuable assets.

The most popular type of home insurance in India is comprehensive coverage, which includes both the structure of the home and its contents. Digit’s Bharat Griha Raksha Policy follows this model, offering protection against a wide range of risks, including natural disasters, fire, and burglary, making it a preferred choice for many homeowners.

The most popular type of home insurance in India is comprehensive coverage, which includes both the structure of the home and its contents. Digit’s Bharat Griha Raksha Policy follows this model, offering protection against a wide range of risks, including natural disasters, fire, and burglary, making it a preferred choice for many homeowners.

No, home insurance is not mandatory in India. However, it is highly recommended, especially if you live in areas prone to natural disasters or if your home is a significant financial investment. Some banks may require it if you’ve taken a home loan.

No, home insurance is not mandatory in India. However, it is highly recommended, especially if you live in areas prone to natural disasters or if your home is a significant financial investment. Some banks may require it if you’ve taken a home loan.