Home & Householder Insurance
Structure + contents protection for your home and belongings.
Understanding Home & Householder Insurance.
Home insurance covers the building structure (fire and allied perils, natural catastrophes, terrorism, earthquake) and the contents inside — furniture, appliances, electronics, jewellery — under a single annual policy.
Most Indians under-insure their homes. A correctly sized policy costs a fraction of monthly utility bills and protects against catastrophic loss.
What's actually inside this cover.
- Bharat Griha Raksha standard policy
- Building + contents cover
- Earthquake & terrorism extensions
- Burglary & theft cover
- Damage from fire, lightning, explosion
- Natural catastrophe events
- Burglary & theft of contents
- Optional jewellery cover
Actual cover is subject to insurer wording, sub-limits, deductibles and exclusions. Please read the policy wordings carefully before concluding a sale.
How we place it.
One team — from the first conversation to the first claim.
- 01
Profile and exposure review with a Labdhi expert
- 02
Wording, sub-limit and pricing comparison across leading insurers
- 03
Cover binding with the optimal terms and add-ons
- 04
Renewal review and end-to-end claims support
When it actually pays.
Illustrative scenarios — real outcomes depend on insurer wording.
Fire damages furniture & electronics; contents cover funds replacement.
Cyclone damage to roof reimbursed under building cover.
Burglary from locked apartment; contents claim processed.
Why Labdhi for this?
As a licensed insurance broker, Labdhi compares wordings, sub-limits and pricing across multiple insurers, structures the policy around your real exposures, and supports you end-to-end through documentation, renewals and claims.
Have these ready and we can move the same day.
Values are declared head by head so the sum insured reflects what it would actually cost to rebuild and refit — under-declaring here is what triggers a proportionate claim cut.
- Insured name
- Address
- Carpet area in square metres
- Building value
- Contents value
- Furniture and fixtures
- Plant and machinery
- Lift cost
- Car lift cost
- Number of lifts
- Electricity fittings
- Other contents
- Burglary cover, if required
Send them across on WhatsApp or email and we will come back with options. If something on the list does not apply to you, tell us and we will work around it.
Is your Home & Householder Insurance cover actually enough?
Most people discover the gap in their protection at the worst possible moment — at claim time. Shield360™ is our 4-minute risk profiler that scores your insurance coverage, highlights gaps, and gives you a personalised report you can download.
- Protection Score
A single 0–100 number showing how well-covered you really are.
- Gap Analysis
Identifies under-cover across life, health, income and assets — instantly.
- Downloadable Report
Branded PDF with your scores, gaps and suggested next steps.
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