IRDAI Certified Coverage

Protect Your Home
& Everything Inside It

Comprehensive home insurance starting at ₹299/year — covers structure damage, contents theft, natural disasters, and liability for your most valuable asset.

Structure & Contents Natural Disaster Cover Plans from ₹299/yr Theft Protection

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3,000+ Homes Insured Trusted by VCULP clients across India

Instant Policy

Issued in 5 mins

Home Insurance

Structure & Contents Protection

Coverage Amount Up to ₹50 Lakh

Structure Protection

Walls, roof, floors against fire, flood & disasters

Contents Coverage

Furniture, electronics, jewellery & valuables

Natural Disasters

Flood, earthquake, storm, landslide coverage

Burglary & Theft

Full coverage for theft and burglary losses

99% Claims Settled

Hassle-free process

Why Home Insurance?

Your Home Deserves Complete Protection

Your home is your most valuable asset. Home insurance protects it from unpredictable risks — fire, floods, theft, and natural disasters — so you never face a financial crisis.

Fire & Explosion

Fire accidents can destroy everything in minutes. Home insurance covers the full cost of rebuilding structure and replacing contents.

Flood & Water Damage

Heavy rains, pipe bursts, and waterlogging can severely damage your property. Get covered for all water-related damage.

Theft & Burglary

Protect your valuables — jewellery, electronics, and cash — against theft, burglary, and housebreaking incidents.

Liability Protection

If a visitor is injured on your property or you accidentally damage a neighbour's property, liability coverage protects you legally.

What's Covered?

Complete Protection for Your Home & Belongings

From the bricks and beams to your personal possessions — our home insurance covers both the structure and the contents comprehensively.

Building Structure

Walls, roof, flooring, staircase, and permanent fixtures covered against fire, floods, and calamities.

Contents & Valuables

Furniture, appliances, electronics, jewellery, and other personal belongings inside the home.

Natural Calamities

Earthquake, flood, cyclone, storm, landslide, and other natural disasters fully covered.

Plan Highlights

Included Benefits

Active Coverage

Structure Coverage

Full rebuilding cost covered for damaged structure.

Contents Protection

Replacement of damaged or stolen household items.

Fire & Allied Perils

Fire, lightning, explosion, and implosion coverage.

Public Liability

Third-party injury or property damage at your home.

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Our Plans

Plans for Every Home & Budget

Whether you own or rent — we have a plan that perfectly covers your structure, contents, or both at the most affordable premium.

For Homeowners

Structure Plan

Covers the physical structure of your home — walls, roof, flooring, and fixtures — against fire, floods, and natural disasters.

Starting from

₹299/year

Full structural coverage

Fire & allied perils

Natural disaster included

Quick claim settlement

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Best Value

Recommended for Families

Comprehensive Plan

Complete coverage for both the building structure and all contents inside — the most comprehensive home insurance option.

Starting from

₹799/year

Structure + Contents

Theft & burglary cover

Natural calamities

Liability protection

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For Tenants

Contents Only Plan

Ideal for renters — covers all your household contents, electronics, appliances, jewellery, and personal valuables inside the home.

Starting from

₹499/year

Electronics & appliances

Jewellery & valuables

Theft & burglary

Perfect for renters

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How Claim Process Works

Simple Steps for a Fast Home Claim

From incident reporting to final settlement — our 4-step process ensures your home claim is handled quickly and without any hassle.

Report the Damage

Immediately notify the insurer and your VCULP advisor after damage occurs. File a police complaint for theft or burglary cases.

Document the Loss

Take photos and videos of the damaged areas and items. Make a detailed list of all damaged or stolen belongings with their values.

Submit Claim Documents

Share policy documents, damage photos, bills, FIR copy (if applicable), and repair estimates with the insurer for processing.

Survey & Settlement

Surveyor visits for assessment and claim is approved. Repair cost or replacement value is settled as per your policy terms.

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Protect Your Home & Everything Inside It

Your Home Deserves Complete Protection

Fire & Explosion

Flood & Water Damage

Theft & Burglary

Liability Protection

Complete Protection for Your Home & Belongings

Building Structure

Contents & Valuables

Natural Calamities

Included Benefits

Plans for Every Home & Budget

Structure Plan

Comprehensive Plan

Contents Only Plan

Simple Steps for a Fast Home Claim

Report the Damage

Document the Loss

Submit Claim Documents

Survey & Settlement

Protect Your Home
& Everything Inside It