Home Insurance Policy


A home is a place, which provides you the warmth and peace that one looks forward to at the end of a hard day's work. However, our home can also be threatened with burglary, damages caused by natural and man-made disasters. To secure your home of any threat, it offers you Home Insurance Policy, which will provide security to the structure and/or contents of your home against unforeseen calamities.


Key Benefits of Home insurance

  • Be prepared for unexpected calamities
    • Secure your home against natural calamities like earthquakes, floods, cyclones, storms, etc.
  • Enjoy a 25% discount when you insure your household possessions
    • Protect your household possessions like durables, furniture and avail 25% discount when you opt for a 5 year content cover
  • Don’t let water damages, stress you financially
    • Stay protected against water seepage and resultant damages
  • Be at peace, your treasured possessions are secured
    • Protect your jewellery with our All-Risk Cover and stay worry-free
  • Protect your home from burglary, terrorism, theft, etc.
    • Cover your home against losses due to burglary, terrorism, etc.
  • Don’t let fire accidents burn a hole in your pocket
    • Cover damages due to fire or allied perils
  • Think long term, get 50% discounts
    • You get a massive 50% discount when you opt for a 10 year structure cover


Home insurance Policy Coverage

    • You can choose to buy insurance for only the building (structure) of your home, or only the contents (belongings) or both.


    • The policy covers the losses to the structure and/or contents of your home due to any natural and man-made calamities.


    • The following fire and special perils are covered:
      • Fire
      • Lightning
      • Impact Damage
      • Aircraft damage
      • Explosion / implosion
      • Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation
      • Riot, Strike, Malicious Damage
      • Subsidence and Landslide including Rockslide
      • Bursting and/or overflowing of water tanks, apparatus and pipes
      • Missile testing operations
      • Leakage from automatic sprinkler installations
      • Bush Fire
    • Earthquake Cover
      Under the earthquake cover, the policy covers loss or damage (including loss or damage by fire) to any of the property Insured by this policy occasioned by earthquake including Landslide / Rockslide resulting therefrom but excluding flood or overflow of the sea, lakes, reservoirs and rivers caused by Earthquake. Sum Insured for this cover is identical to the Sum Insured against the risk covered under main policy except for the value of the plinth and foundations of the building(s)


    • Burglary cover and theft cover (only for contents)
      The contents of your home are also covered against loss due to burglary or theft or an attempted burglary. It also covers loss of jewellery, silver articles and precious stones kept under lock and key, up to 25% of the total content sum insured or 1 Lakh, whichever is lower. Jewellery, silver articles and precious stones are only covered for Burglary cover and not for Theft.


  • Optional covers
      • Terrorism Cover
        Covers any damages and losses to the structure and / or contents of your home due to acts of terrorism.


    • Additional expenses of rent for alternative accommodation
      If you are forced to shift into an alternative accommodation because your home is destroyed or damaged by any insured peril, the policy will cover you against the additional rent. The maximum coverage is up to Rs.1 Lakh for up to 6 months. This cover is available only if you are insuring the structure of your home.

Home insurance Policy Exclusions

  • Wilful destruction of property.
  • Loss, damage and destruction caused by war, wear and tear etc.
  • Losses if your home has been unoccupied for more than 30 days, without prior notice to ICICI Lombard.
  • Cash, bullion, painting, works of art and antiques.

Home Insurance FAQ'S   |   Policy Wordings


The advertisement contains only an indication of the cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. Insurance is underwritten by ICICI Lombard General Insurance Company Limited (ICICI Lombard) having Registered office at ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhivinayak Temple, Prabhadevi Mumbai 400025. IRDA Reg. No. 115. Toll Free no. 18002666. Fax no - 022 61961323. CIN (U67200MH2000PLC129408). ICICI Bank Limited ("ICICI Bank") with registered office at ICICI Bank Tower, Near Chakli Circle, Old Padra Road, Vadodara, 390 007, Gujarat is a Corporate Agent (Composite, IRDAI Regn No.: CA0112 valid till 31/03/2019) of ICICI Lombard. Insurance is underwritten by ICICI Lombard. ICICI Bank's customer's participation in the policy is entirely voluntary and is not linked to availment of any other facility from ICICI Bank. Home Insurance Policy Misc 13 IRDAN115P0003V01200203, customersupport@icicilombard.com, www.icicilombard.com T&C apply