Here are the best homeowners’ insurance companies offering top plans to protect homes and their contents:

Here is a brief overview of the top home insurance companies.

• Bajaj Allianz Home Insurance: Bajaj Allianz General Insurance Company leads the insurance sector with offerings such as travel, health, and motor insurance, among others. It also provides home insurance plans for its customers. Recognized for its exemplary practices, Bajaj Allianz General Insurance Company received the Best General Insurance Company Award in 2015. Consequently, it is regarded as one of the top home insurance companies in India. Here, we will briefly discuss Bajaj Allianz’s home insurance plan.
  • The Bajaj Allianz Home Insurance policy covers loss or damage to buildings.
  • Under this policy, you receive coverage against damage or loss to home contents as well.
  • It also covers loss or damage to portable equipment anywhere across India.
  • The policy also covers damage or loss to jewelry and other valuable items.
  • The policy covers loss or damage to artwork or paintings stored or located in the policyholder’s building.
• Bharti AXA Home Insurance: With approximately 166,000 employees, Bharti AXA Group is a leader in the insurance and asset management industry, serving nearly 103 million clients worldwide. The company provides insurance products across various categories, including Bharti AXA Home Insurance for its Indian clients. This policy offers comprehensive coverage to protect homes from unforeseen events causing damage or loss. Here are some key features of this top home insurance company:
  • It covers both the structure of the building and the home contents.
  • The policy covers jewelry and other valuable items nationwide.
  • Both tenants and homeowners can avail of this policy.
  • The policy also provides personal accident coverage for the entire family.
  • The policy also covers up to three pedigree pets.
  • This policy also covers up to 10% of the cost of home alterations and improvements made by the policyholder.
  • As one of the top home insurance companies, Bharti AXA Home Insurance settles claims within 10 days.
• Cholamandalam Home Insurance: Cholamandalam MS General Insurance Company, known for its range of general insurance products, includes a comprehensive home insurance plan. This policy from Cholamandalam covers the structure of the house and its contents against damages and losses. Key features of this top home insurance provider include:
  • This comprehensive home insurance policy protects the structure of the policyholder’s house, its contents, and family members against unfortunate events.
  • The plan protects electrical and domestic appliances against burglary and housebreaking as well.
  • You can get coverage for the contents of your own home or rented house.
  • Customers can choose coverage that suits their requirements.
  • Cholamandalam Home Insurance Company offers some of the lowest premium home insurance policies, making it one of the most affordable providers.
  • The onboarding process proceeds smoothly and without hassle.
  • The claim process is quick and straightforward
• Future Generali Home Insurance: Future Generali, one of India’s largest general insurance providers, is a joint venture between the Generali Group and Future Group of Industries. Since starting its general insurance business in India in 2007, the company has expanded to over 125 locations. Offering a range of insurance products, Future Generali provides a comprehensive home insurance plan called ‘Home Secure.’ This policy protects the policyholder’s house and its contents from various unwanted and unforeseen circumstances. Here are the features of the Future Generali Home Insurance policy:
  • The policy offers complete protection for the policyholder’s property under a single plan. It covers the property, its contents, and the interests of the policyholder and family members.
  • This policy offers an affordable premium.
  • The company’s in-house claim settlement unit ensures a simple and quick claim process.
  • This all-inclusive home insurance policy covers the policyholder’s ornaments, jewelry, and other high-value items.
  • IFFCO Tokio is a general insurance company serving a large customer base across India. Ranked as one of the top home insurance providers, its home insurance plan protects policyholders’ houses from This plan also covers portable equipment, such as laptops.
• IFFCO Tokio Home Insurance: various manmade and natural disasters, such as robbery, lightning, and fire. The policy covers both the structure of the home and its contents, including expensive gadgets, jewelry, and home appliances. The key features of this policy are:
  • If the electrical and electronic equipment in the insured house breaks down completely, no depreciation is deducted, provided the equipment is less than five years old.
  • The policy also covers the policyholder’s pets.
  • IFFCO Tokio Home Insurance Company stands out as one of the top renter’s insurance providers by offering coverage for home contents, liabilities, and other assets.
  • The policy also covers the homes of the policyholder’s children who are studying away from home anywhere in India.
  • This policy offers affordable premiums.
  • You can buy a home insurance policy online with just a few clicks.
• National Insurance Home Insurance: National Insurance Company, one of the oldest general insurance companies in India, is renowned for offering comprehensive and customized insurance plans, including its home insurance policy called House Holder policy. This policy provides extensive coverage and is specifically designed to address house-related contingencies. Here are some key features of this policy:
  • The home insurance policy covers losses resulting from burglary, natural calamities, and fire.
  • This policy ensures complete protection for both the structure of the home and its contents.
  • The policy provides numerous options to select from.
  • You can instantly purchase a policy online.
  • It covers the structure of the home for up to 10 years and its contents for up to five years.
• New India Assurance Home Insurance: plan named Greh Suraksha, alongside offerings for two-wheelers, cars, and health insurance. This policy is crafted to safeguard the policyholder’s house from unforeseen risks and damages such as fire, damage, natural calamities, theft, etc.
  • Both tenants and owners can buy this policy.
  • The policy offers coverage for both home contents and the building.
  • A policyholder can insure their house contents for up to Rs. 10 lakhs.
  • It allows the policyholder to choose coverage according to their preference.
• Oriental Home Insurance: Oriental Insurance Company, a public sector general insurance provider, offers many valuable products, including the Oriental Home Insurance policy. This policy protects against losses and damages from natural calamities and manmade disasters. Some key features of this policy are:
  • The policy offers savings options such as long-term policy discounts, security arrangement discounts, and section discounts.
  • The policy provides protection against fire and allied perils.
  • It is a comprehensive plan offering all-risk coverage.
  • It also provides personal accident coverage for both the policyholder and their spouse.
• Raheja QBE Home Insurance: Raheja QBE, a joint venture between Rajan Raheja Group and QBE Insurance, is regarded as one of the top general insurance providers in India. Among its many offerings, it includes a comprehensive home insurance plan. In addition to the basic coverage provided by home insurance, Raheja QBE also offers workmen compensation. The policy offers the following key benefits:
  • It offers coverage against fire and allied perils.
  • It also provides coverage for debris removal.
  • The policy also covers housebreaking and burglary.
  • The policy covers fees for the architect, consultation engineer, and surveyor.
  • The policy also includes several optional covers.
• Reliance Home Insurance: 

  Reliance General Insurance Company, a leading general insurance provider in India, offers various insurance plans and solutions. The Reliance group is renowned for its reputation. Alongside health insurance, marine insurance, and vehicle insurance plans, the company also provides a home insurance policy. The key features of Reliance General Insurance Company’s home insurance policy include:

  • The Reliance Home Insurance policy offers coverage for risks and losses caused by natural calamities or manmade disasters.
  • The policy features a low-cost premium and includes various rebates.
  • The plan fully protects both the home and its contents.
  • The policy additionally covers the policyholder’s valuable items and cherished belongings.
  • You can also select the reinstatement value for your valuable items.
  • They quickly and effortlessly process claims.
• Royal Sundaram Home Insurance: Royal Sundaram, a top private sector general insurance provider in India, offers Bharat Griha Raksha, a comprehensive home insurance plan. This policy not only safeguards the house but also its assets in unforeseen situations, ensuring policyholders sleep soundly knowing their home and contents are covered. Key benefits of this policy include:
  • The affordable home insurance plan provides comprehensive coverage for the house structure.
  • This policy includes coverage for reconstruction costs, surveyor and architect fees, consulting engineer fees, and debris removal costs.
  • You can renew your home insurance policy anytime, anywhere with the InstaRenew feature.
  • Choosing a tenure of 10 years or more qualifies you for a discount of up to 50%.
• SBI General Home Insurance: SBI General Insurance Company, a joint venture between SBI and IAG (an Australian group), operates an extensive network throughout India. It offers motor, health, travel, and personal accident insurance plans, along with SBI Home Insurance products. The features of the SBI Home Insurance Policy include:
  • The plan includes built-in coverage against earthquakes.
  • You can choose a policy tenure ranging from three years to 30 years.
  • It covers losses and damages to the policyholder’s home from natural and manmade calamities.
  • The premium rate varies based on the policy’s tenure and the location of the insured home.
• Shriram General Home Insurance: Shriram Group, one of India’s largest business houses, has diversified into various sectors including energy, infrastructure, and insurance. Shriram General Insurance Company offers a home insurance policy that protects the policyholder’s home. Key features of this policy include:
  • The policy offers various options to protect nearly every corner of the house.
  • Shriram General Insurance Company’s home insurance policy is straightforward and hassle-free.
  • The company allows you to choose a plan based on your requirements and needs.
  • Shriram General Insurance offers home insurance plans at a low cost, with discounts available.
• Universal Sompo Home Insurance: Universal Sompo General Insurance Company, based in Mumbai, is a collaborative venture involving Karnataka Bank, Indian Overseas Bank, Allahabad Bank, and Sompo Japan Insurance.Company, along with Dabur Investments. It offers a variety of insurance plans and is recognized as one of India’s top home insurance companies. Key features of this plan include:
  • The policy protects the customer’s property and its various contents.
  • Universal Sompo offers highly competitive and attractive premium rates.
  • The single home insurance policy covers a wide range of items and assets.