Home Insurance

Term, health, and vehicle insurance — what to buy, what to avoid, and how to get the best coverage without overpaying.

• Home Insurance in India 2026: Why Most Homeowners Are Underinsured (Fire, Burglary & Structure Cover Explained) — Barely 1% of Indian homes carry standalone home insurance — most owners assume a home loan's bank-arranged cover, or their housing society's policy, already protects them. It usually doesn't. Here's what a real home insurance policy covers, what it costs, and where the actual gaps are.
• Home Insurance for Renters vs Owners in India 2026: Who Actually Needs What Cover — A homeowner and a tenant living in the same flat face completely different insurance gaps — one has to insure a structure worth lakhs, the other assumes a landlord's policy already protects belongings it never touches. Here's what each side actually needs to buy, and where both go wrong.
• Does Home Insurance Cover Earthquake and Flood in India 2026? What's Actually Built In — A tremor in Delhi-NCR or a flooded basement after the monsoon sends most homeowners scrambling to check their policy — and the answer surprises almost everyone. If you hold IRDAI's standardised Bharat Griha Raksha policy, earthquake and flood cover were already included the day you bought it. Here's what's actually in-built, what still needs an add-on, and how to check which one you have.
• Does Your Home Insurance Cover Your Domestic Help? The Liability Gap in Bharat Griha Raksha (India 2026) — Your cook slips on a wet kitchen floor, or your driver's hand gets caught reversing the gate — and the hospital bill lands on you, not an insurer. Most homeowners assume their Bharat Griha Raksha policy already handles this. It doesn't, unless you specifically added an extension most people never even see offered.