Home Insurance Online starting ₹150/year*
What is Home Insurance?
A home insurance is a property insurance policy to help you cover your own home or rented apartment, and your personal belongings within, from unforeseen circumstances such as burglaries, fires, floods, storms and explosions.
Buying a house is one of the most vital investments people spend all their life working towards. Yet, there are so many people who forget to secure and protect for this very important investment in their life. From your cutting-edge gadgets and beautiful interiors to your jewellery and other valuable belongings; your home is more than just its mere physical property and is a lot more valuable than you imagine it to be.
That’s why, one of the most essential things you could do for the wellbeing and safety of your home is at least get a home insurance that would allow you to stay secured and covered for in the case of uncertain and unfortunate circumstances such as burglaries, floods, fires, and earthquakes amongst other likely, but unforeseen circumstances. Our Go Digit, Bharat Griha Raksha Policy (UIN - IRDAN158RP0081V01202021) with optional add-on for valuables like jewellery 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 should I get a Home Insurance?
If you’re still confused about the need for a home insurance, read on...
What’s Great About Home Insurance by Digit?
What’s Covered in Home Insurance by Digit?
Note: In India, burglaries are common. You can opt to combine the home insurance policy with Digit Burglary Insurance policy (UIN: IRDAN158RP0019V01201920) to secure your abode against burglaries as well.
What’s Not Covered?
Bharat Griha Raksha policy does not cover damages caused by the reasons mentioned below:
- Deliberate damage to the house.
- Damage caused due to factors like war, invasion, and war-like operations.
- Losses incurred due to contamination or ionizing radiation.
- Damage caused to bullion or unset precious stones, manuscripts, vehicles, and explosive substances are not covered by the policy.
- The cost, fees or expenses incurred for preparing any claim.
- Expenses incurred for any addition, extension or alteration to the house (more than 10% of its carpet area existing at the commencement date or on the date of renewal)
How to Buy Home Insurance from Digit?
Whether you’re buying your insurance policy from our mobile app or website, you can follow these easy steps and secure your home.
Step 1: Visit Digit’s Bharat Griha Raksha Insurance Policy page or download our ‘Digit Insurance App’ from Play Store or App Store.
Step 2: Select the ‘type of property’ and enter your details such as ‘pin code’ and ‘mobile number’.
Step 3: Click on ‘View Prices’ and enter plan details. Enter Home Building details and confirm. You can then choose the type of plan you want.
Step 4: After you view plan prices, fill in details about your building and other details like the ‘Property Owners Name’, ‘Mobile Number’, ‘Email ID’ and ‘Pan Card Number’.
Step 5: Make the payment online either through Card, Net Banking, UPI, Wallet or EMI.
Step 6: We will require some details for KYC verification so we can issue your policy immediately.
Types of Home Insurance
Only Content Cover
Building + Content Cover
Only Building Cover
Covers only contents (i.e personal belongings) within your home.
Covers both the building and contents of your home.
Covers your house building
Things to Know about Home Insurance
- Building/Structure: In a home insurance, building refers to the physical aspect of your house.
- Content: Content refers to the articles and things in your house. So, things such as your furniture too would be covered for in your home insurance.
How to File a Claim?
Filing a claim with Digit is a quick, simple and hassle-free process. We’ve listed out what you can do to file a claim with us:
Call us at 1800-258-5956. We will help you file a claim and investigate the loss or damage as required.
Upload the required documents & your bank account details, on the link sent.
We’ll take care of the rest!
Advantages of Protecting Your Home with Home Insurance
Who Should Get Home Insurance?
Types of Homes Covered
From independent owned homes to rented apartments; a home insurance by Digit is designed to suit all types of houses.
Why You Must Buy Home Insurance: In Coversation with Dilip Baba Neeronthiyil, Head-Underwriting, Digit Insurance
Why Choose Digit?
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All You Need To Know About Home Insurance
Check this Conversation out to know everything about Home Insurance by Expert- Vivek Chaturvedi.