Friends, a home is a piece of your heart, but sometimes a power outage, a flood, or a burglar can derail your entire budget. That’s why getting home insurance in 2026 is a must! I’ve reviewed the latest reports and am sharing the top plans that offer solid protection for your home’s structure, belongings, and family.
Prices start low, coverage high—let’s explain in a simple way which plan is perfect for whom. Whether you own a flat or live in a villa, this list will be useful for you!
Top Home Insurance Plans: Which One to Choose?
Here are some of the best plans, selected based on 2025 trends. Each one covers risks like fire, flood, earthquake, and theft, and can be customized with add-ons.
New India Assurance – Grih Suraksha
This plan covers all home risks – from fire to natural calamities. Both owners and tenants can avail it. Premiums start at just Rs 250 (for Rs 11 lakh cover), and a 25% discount is available when purchasing online. Solid backup against burglary and theft as well.
ICICI Lombard – Complete Home Protect
Protects the home’s structure, furniture, and jewelry all at once. Best for add-ons like loss of rent or alternative accommodation. Ideal for those living in high-risk areas, with quick claim settlement. Flexible premiums, perfect for families.
Bajaj Allianz – Householder Comprehensive
This plan is customizable – structure and contents cover, with discounts up to 45%. Natural calamities, theft, and liability all included. Starting at Rs 250 annual premium, and relocation expenses also covered. Top choice for modern apartments.
HDFC Ergo – Home Shield
This policy provides complete protection for home and valuables. Burglary occurs every 3 minutes in India, so theft cover is strong. Add-ons provide extra security for jewelry or electronics. Online quotes are instant, and 24/7 support is available.
SBI General – Griha Raksha
From basic fire cover to full comprehensive coverage, this plan offers seamless claims. It’s popular due to increasing climate risks in 2025. Also good for tenants, and offers multi-year options for owners.
Coverage Types: What’s Included?
Structure Cover
Home’s equipment, roof, and built-in fittings – protect against fire, storm, and earthquake.
Contents Cover
Furniture, TVs, and jewelry – protection against theft or damage.
Comprehensive
Both combined, plus liability (medical coverage if someone gets injured).
You can pay an extra premium for add-ons like temporary accommodation or high-value items. The GST waiver in 2025 has made health and home plans cheaper, so it’s time!
| Plan Name | Key Coverage | Annual Premium (Approximate) | Features |
|---|---|---|---|
| New India – Home Security | Structure + Contents, Natural Calamities | Starting from Rs. 250 | 25% discount, for tenants |
| ICICI Lombard – Complete Home Security | Complete Structure + Contents, Rental Loss | Rs. 300-500 | Instant Claim, for high-risk areas |
| Bajaj Allianz – Home Owner Comprehensive | Theft, Natural Calamities, Liability | Starting from Rs. 250 | Up to 45% discount, Relocation Expenses |
| HDFC Ergo – Home Shield | Theft, Fire, Flood, Jewellery | Starting from Rs. 400 | 24/7 support, customizable |
| SBI General – Home Security | Fire + Special Risks, Contents | Starting from Rs. 350 | Multi-Year Option, Climate Risk Cover |
Pros and Cons
Pros:
- Low premiums (starting from Rs. 250) with high coverage – budget-friendly.
- Natural calamities such as flood and earthquake built-in cover.
- Quick claims and 24/7 support in most plans.
- Customize with add-ons, such as for valuables.
- Cheaper in 2025 with discounts and GST benefits.
Cons:
- Some plans have depreciation deductions based on the old standard.
- Multi-year only for owners, annual only for tenants.
- Extra premiums apply for high-value items.
- More documentation is required in the claims process.
Conclusion
Friends, for home security in 2025, start with plans like New India or ICICI – they provide solid backup for your money and home. Check the risks in your area, get an online quote, and buy a policy quickly. Tell us in the comments, which plan would you try and why? If you own a villa or flat, these plans are a must!
