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Safeguard your home. Insure it!

Posted by Royal Sundaram on 01 Apr 2011

Your home sweet home is your abode of security and comfort. But have you ever thought that your home needs a cover too? Home Insurance is a must for every home today! Learn more about it, in this article.

Why do I need Home Insurance?

In today’s world, everything is insecure, including the home that secures you! Fire, Earthquake, Floods, accidents, the perils are many. Your home costs several Lakhs. If tomorrow, your house gets damaged, you would not only lose your home, but also your hard earned money, to restore it.

Home Insurance safeguards you from such financial drain, during any such unforeseen events. It’s prudent not to leave everything to chance. You cannot predict tomorrow, but you can be better prepared for it!

I rent out the home I own. Can I avail a Home Insurance for it?

Yes, you can avail home insurance against any property owned by you, whether let out on rent or otherwise.

How can I reduce the Premium for my Home Insurance?

Take a multi-year Policy – By availing Insurance for several years, you can get a discount on the premiums. If you insure your home with Royal Sundaram Home Insurance Online for any period above 10 years, you can get 50% discount on your premium!

What are the perils covered under Home Insurance?

Royal Sundaram Home Insurance Online covers the following perils, which may damage your home –

  • Fire accidents
  • Lightning
  • Explosion/Implosion
  • Damage caused by any aerial or space devices
  • Visible physical damage caused by Riot/Strike
  • Natural Disasters which damage property – such as Storm, Cyclone, Hurricane, Earthquake, etc
  • Damage caused by a vehicle (which does not belong to owner)
  • Landslide or Rockslide
  • Bursting / overflowing water tanks, pipes
  • Leakage from automatic sprinkler installation

For detailed information, please refer the Terms and Conditions page – here.

What are the perils which is not valid for a Home Insurance claim?

The following will not be covered in Home Insurance –

  • Loss/damage caused by war or invasion
  • Loss/damage caused by act of Terrorism in case of long term policies above1 year
  • Peril caused by pollution/contamination
  • Destruction or damage caused by wear and tear of the house
  • Building/compound wall of Kutcha construction

For detailed information, please refer the Terms and Conditions page – here.

What are the advantages of Royal Sundaram Home Shield?

If you insure your home with Royal Sundaram Home Insurance Online, you can enjoy –

  • Instant coverage, without any documentation
  • Long term discounts – from 15% to 50%
  • Coverage of Architect’s, Surveyor’s and Consulting Engineer’s fees (in case of a claim)
  • Online renewals of your Insurance Policy with InstaRenew
  • Reconstruction cost, subject to a maximum, as per your policy.
  • Cover for Debris removal
  • Policy tenure from 1 to 15 years

To insure your home with Royal Sundaram Home Insurance Online, click here.

What are the documents required to avail Royal Sundaram Home Shield?

With Royal Sundaram, you can avail a Home Insurance without any documentation! Just visit our website –, fill the form, pay premium and enjoy a hassle-free insurance!

If my home is partially damage, would I still be eligible for a claim?

If your home gets partially damaged and the cause of damage is included in the Policy, you are eligible for a claim, subject to a deductible of Rs. 10,000 per claim.

If my TV gets damaged because of an accident, can I make a claim for it?

Royal Sundaram Home Insurance Online covers damage to the building/property. You can cover the television under a separate insurance – Royal Sundaram Home Content Online. To learn more about it, please click here.

If I need to make a claim, how can I go about it?

The Claims process of Royal Sundaram Insurance is very simple! All you have to do is –

Intimate us through our Customer Support by calling – 9444 44 88 99 or 1800 345 88 99 or e-mail us at

We will send you the Claim form, or you can download the same from our website –

You can send the claim form to us, on receipt of which, we will send a surveyor to your home to initiate the claims process.

We hope this article answers all your questions about Home Insurance. Secure your finances with insurance. You can get a Royal Sundaram Home Insurance Online within 5 minutes! Click here to get started.

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