Every homeowner's needs are unique, whether you own it or rent it out. We offer three thoughtfully designed home protection plans to match your protection needs. Each plan provides flexible and comprehensive coverage for the building, contents and valuables.

Building Risks

Covers physical loss or damage to the structure of your home, whether it is owned or rented out. This includes a flat or an apartment.

Home Contents

Covers the repair or replacement costs of your household items like furniture, electronic appliances, and other household articles against accidental damage.

Jewellery

Covers total loss or the cost to repair or reinstate the damaged jewellery containing gold, silver or other precious metals. This also includes newly bought jewellery, if it's included in the cover within 30 days.

Portable Electronics

Covers the cost of repair or replacement for portable electronics like laptops, tablets and mobile phones in case of accidental damage

Fine Arts and Valuables

Covers the total loss or the cost to repair or reinstate the items, such as painting, antiques and other valuables.

Please Note: Each coverage section has specific terms and conditions. Refer to the policy wording for complete details.

• General Wear and Tear: Normal ageing, gradual deterioration or cosmetic damage that doesn’t affect the item’s functionality.

• Mechanical or Electrical Breakdown: Loss or damage caused by mechanical or electrical breakdown.

• Pre-existing Damage: Any loss or damage that occurred before the start of the policy period.

• Structural Defects: Loss or damage incurred due to poor workmanship, structural defects, or lack of proper maintenance.

• Intentional Acts: Damage or loss caused intentionally or due to negligence by the insured or household members.

• Commercial Use: Loss or damage to the building or its contents when used for commercial or rental purposes.

• Structural Violations or Government Actions: Loss or damage resulting from unauthorised structures or destruction and confiscation due to Government actions.

• Repair or Renovation: Loss or damage resulting from repair, restoration or renovation work.

• Unoccupied Homes: Loss or damage that occurs when the home is left unoccupied, unless we have been notified and accepted the same before it becomes unoccupied.

• Digital Assets: Loss of digital data, software, or any form of programming or instruction files.

• Consequential Losses: Indirect losses such as loss of use, loss of income and reduction in value or functionality.

• War and Nuclear Risks: Loss or damage caused by war, terrorism, nuclear activity or radioactive contamination.

Please Note: This is not a complete list of exclusions. Kindly refer to the policy wording for complete details.

Personal Accident

Provides financial protection in case of accidental injury or death of the insured. It helps cover medical costs or offers a lump sum benefit to the insured’s family, ensuring immediate financial support during unforeseen accidents.

Breakdown of Domestic Electrical and Electronic Appliances

Covers repair or replacement costs for major home electrical and electronic appliances, which include costs of labour and parts. If the appliances are damaged beyond repair, the cost equivalent to the current retail price is paid, or up to the sum insured mentioned in the policy.

Public Liability Cover

Protects you against legal or compensation costs if a guest, visitor or third party is injured or their property is damaged while inside your home. It helps cover the claims raised by your domestic staff for accidental injury or damage under the Employee Compensation Act, 1923.

Fraudulent Charges

Covers unauthorised or fraudulent transactions made on your credit or debit cards following a theft or burglary at your home. We also reimburse the loss due to unauthorised transactions done through e-wallets, phone or during online purchases.

EMI Protection

Pays your monthly EMIs on home loans up to the sum insured in case of death within 12 months of an accident, permanent or total disability or loss of job during the policy period.

Baggage Loss

Covers loss or damage to personal baggage during travel due to theft, misplacement or accidental damage. Ensures you receive financial support for essential belongings of up to 25% of the SI when the unexpected happens while you’re away from home.

Preventive Maintenance Expense

Covers the cost of periodic servicing of home contents and insured building to prevent loss or damage.
Encourages timely upkeep and helps you avoid higher repair costs later due to covered home risks.

Value Added Service: Pick Up and Drop

Offers convenient pick-up and drop service for repairable electronic items or appliances covered under the home protection policy. Saves time and effort by ensuring safe, doorstep service coordination with authorised technicians.

Opting for the best home buyers’ protection insurance means safeguarding your home and investments for financial peace of mind. With TATA AIG’s Smart Home All-Risk Policy, you gain comprehensive cover for your building, everyday contents, electronics, jewellery and more, whether you live in your own house or rent out your apartment.

Optional add-ons, such as appliance breakdown, personal accident and public liability, make the cover even broader and tailored to modern living. Backed by the trusted TATA AIG brand, you benefit from clarity in policy, accessible support and a reliable protection that adapts to your needs. Choose home insurance protection that aligns with your lifestyle and gives you the confidence to live securely, today and tomorrow.