HealthStar Health
Health First Family Floater
₹5–25 LakhNo room cap
From ₹14,880/yravailable
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Homeavailable
ICICI Lombard
SecureHome Prime
From ₹6,240/yr
IRDAI-approved wording · claim assistance included; reconstruction value basis
| Insurer | ICICI Lombard |
|---|---|
| What it covers | Structure + contents + rent loss |
| Structure basis | Reconstruction cost |
| Contents limit | Up to ₹10 lakh sub-limits on jewellery |
| Natural catastrophe | Fire, flood, earthquake, storm |
| Burglary/theft | Yes, with FIR |
| Alternate accommodation | 6 months @ 3% of SI/month |
SecureHome Prime is not a loan-linked fire cover — it covers what you actually lose: walls and floor to rebuild, contents including appliances and furniture, and the rent you pay while your home is uninhabitable. Tenants can buy contents-only; villa owners should top-up if society's master cover stops at the stairwell.
Premium is rated on reconstruction per square foot — we compute from your BBMP plan, not market price, so you aren't over or under insured.
IRDAI disclaimer: Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale. IRDAI Licence No.: BROK/INS/2020/184 — Kavach Insurance Brokers Pvt. Ltd. Premiums shown are indicative starting from and subject to underwriting.
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