Structure Only
For the building itself — ideal if you own the home. Sum insured is based on the cost to rebuild.
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Structure · Contents · Fire · Burglary · Natural calamityYour home is likely your biggest asset — and everything inside it matters too. Home insurance covers the structure and your belongings against fire, burglary, natural calamity and more, so a single event doesn't undo years of effort. We help you cover both, correctly and affordably.
Home insurance protects two things: the structure of your home (the building) and its contents (furniture, appliances, electronics, valuables). You can insure either or both — against fire, natural disasters, burglary and other insured perils — for a surprisingly small premium.
Sum insured for the structure is based on reconstruction cost, not market/land value — we help you get it right.
For the building itself — ideal if you own the home. Sum insured is based on the cost to rebuild.
For your belongings — perfect for tenants who want to protect furniture, appliances and electronics.
Complete protection for owners — the building and everything in it under one convenient policy.
A standardised home package with built-in features and automatic protection against under-insurance.
Add-on for jewellery and high-value items on an agreed/declared basis.
Protection if you're legally liable for injury or damage to a third party at your home.
Base the sum insured on what it costs to reconstruct your home (area × construction rate), not the market price — land value isn't insured.
Add up furniture, appliances, electronics and valuables at replacement cost so you're neither under- nor over-insured.
If you're in a flood- or earthquake-prone area, make sure those perils are included — don't assume they're automatic.
Jewellery and expensive electronics usually need to be specifically declared to be fully covered against theft or loss.
Multi-year home policies lock in the premium and save the hassle of yearly renewals — often at a discount. We'll show you the options.
We help you value your home correctly, pick the right perils, and stand with you at claim time.
Yes. As a tenant you can't insure the building, but you can insure your contents — furniture, appliances, electronics and valuables — against fire, burglary and more. It's inexpensive and worth it.
On reconstruction cost: built-up area × the local construction rate per sq ft. It does not include land value or market price, so the cover reflects what it actually costs to rebuild. We help you calculate it.
Fire and allied perils are standard; flood, storm and earthquake are typically covered too, but confirm they're included — especially if you're in a high-risk zone. We make sure the right perils are on your policy.
Valuables like jewellery usually need to be specifically declared (and sometimes valued) to be fully covered against theft or loss. We help you add a valuables section correctly.
Very — because the risk of a total loss is low, premiums for large sums insured are modest, and multi-year policies can reduce it further. We'll give you exact numbers for your home.
Tell us about your home and we'll recommend the right structure and contents cover for you.
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