Home Contents Insurance

• Coverage for Valuable Items: With house and contents insurance, you can protect valuable items such as jewellery, antiques, silverware and works of art against unexpected loss or damage.
• Reduced Financial Burden: With household contents insurance in place, you can reduce the financial stress of repairing or replacing damaged or stolen items in unforeseen situations.
• Coverage Against Natural Calamities: Household contents insurance provides financial protection against losses from natural disasters such as floods, storms, earthquakes, and other covered perils.
• Protection Against Theft and Burglary: The plan provides coverage for losses arising from theft, burglary, or break-ins. With insurance, you can safeguard your valuable possessions.

TATA AIG offers a range of home contents insurance plans with flexible coverage options and sum insured limits to suit varied protection needs.

TATA AIG Bharat Griha Raksha Policy

The plan offers coverage for the physical loss, damage, or destruction of the general contents inside your home, provided the loss is caused by an unforeseen event such as a fire, storm, earthquake, flood, or theft that occurs within seven days of the event.

The plan also offers optional add-ons for valuable items such as jewelry, silverware, paintings, art, and antiques. Under this plan, if you choose home building and home contents covers, the policy includes an automatic built-in cover for general contents equal to 20% of your home building's sum insured, capped at ₹10 Lakh.

TATA AIG Smart Home All Risk Policy

The TATA AIG Smart Home All Risk Policy provides broader coverage for household contents, including portable electronics, jewellery, fine art, watches, medical devices, and other valuables. The policy provides financial protection against covered losses or damages to insured belongings in India and worldwide, as specified in the policy terms.

It also includes flexible sum insured options and multiple optional add-ons for enhanced protection. This policy is ideal for individuals seeking comprehensive coverage for high-value household contents and personal belongings.

With household content insurance, you can financially recover, repair, or replace your everyday household items and high-value possessions if disaster strikes. Here are the items covered under both plans.

TATA AIG Bharat Griha Raksha Policy

• Covers loss and damage to general household items, such as furniture, electronic goods, clothing and kitchen equipment.
• Offers coverage for outdoor or roof-mounted installations, including the home's antennas, solar panels, and water storage equipment.
• With the optional add-on, personal items such as jewelry, silverware, paintings, works of art and antiques are covered.

TATA AIG Smart Home All Risk Policy

• Offers coverage to insured household content against any fortuitous, sudden, or accidental physical loss or damage.
• Protection for loss of cash kept inside a locked safe within your home if it is stolen due to robbery, burglary, housebreaking, etc.
• Reimbursement for costs you incur to carry out preventive maintenance on your insured household contents, up to a specific sum insured.
• Provides coverage for portable devices like laptops and smartphones against physical loss or damage anywhere in India.
• Offers coverage for physical loss or damage to your jewelry collections.
• Offers protection for your fine art, paintings, and valuable collectors' items against physical damage or loss.

Note: The inclusions are subject to certain policy terms and conditions. Kindly refer to your policy document for complete details.

• Any loss you cause on purpose, or that someone else does with your knowledge or help.
• Loss or damage to household items due to wars, invasions, revolutions, rebellions, riots, or military takeovers.
• Loss or damage caused by nuclear fuel, radioactive waste, or nuclear weapons.
• Damage from pollution or contamination, unless it was directly caused by an already insured disaster
• High-value items like cash, checks, gold or bullion, loose precious stones, important legal documents, manuscripts, explosives, and vehicles, unless they are specifically written into your policy.
• Items that you simply misplace or lose track of without a specific, clear incident.

Please note: These are common exclusions. Kindly refer to your respective policy wording for complete details.

There are some factors you need to consider before buying the house and contents insurance online. These factors are:

• Accurate Valuation of Content: Carefully evaluate the cost of your belongings, such as furniture and appliances, at current market prices before buying the plan.
• Coverage Type: Understand what the policy actually covers. Some plans offer basic protection for building and contents, while others provide wider coverage for valuables, jewellery, and portable items.
• Inclusion and Exclusion: Check the policy details carefully to know what is included and what is not covered. This helps avoid surprises during the claim process.
• Location and Security: Geographical location and security measures such as CCTV, guards, or gated communities can influence both coverage terms and risk assessment.
• Claim Settlement Ratio: Always review the claim settlement ratio before buying a plan. A higher CSR indicates a smooth and hassle-free claim experience.
• Premium Affordability: Compare premiums across plans and ensure the cost fits your budget while still providing adequate protection for your home contents.

• Homeowners: Homeowners should invest in building and contents insurance to safeguard their valuable assets inside the home against unexpected perils such as theft and fire.
• Tenants and Renters: If you live in a rental property, investing in home contents coverage is the safest option. The plan will protect your personal belongings, furniture, electronics and other valuables from unexpected loss.
• Property Owners or Landlords: Landlords who provide furnished or semi-furnished properties should consider contents insurance to protect items such as furniture, fittings, and appliances placed inside the home.
• Residents in High-risk Zone: People living in areas prone to floods, earthquakes, storms, or other natural disasters should consider contents insurance to protect their belongings during such events.

• Step 1: Go to the top of the page and add name, pin code and phone number in the quote section. Click the “Submit” button.
• Step 2: After that, our representative will call you at the mobile number to guide you with the buying process.
• Step 3: Provide the required information and details, and then you can proceed to buy a home contents insurance plan.

Filing a claim for home and contents insurance with TATA AIG is straightforward. Here are the steps you need to follow:

• Notify the TATA AIG Representative: Dial our helpline number 022-6489-8282 to report the loss or damage to the insured home contents.
• Inform the Respective Authorities: Next, inform the relevant authorities, such as the police and the fire department, if an incident involves theft or a fire hazard.
• Prevent Further Loss and Damage: Take preventive steps to prevent further damage to the insured home's contents.
• Coordinate with Surveyor: Our surveyor will visit your home to assess the damage and loss caused to the insured content.
• Submit Claim Form and Documents: Submit the claim form along with other documents to the representative within 30 days from the date of damage and loss.
• Claim Verification and Settlement: After reviewing and verifying the claim form and other documents, we will send the claim settlement amount.

• A duly filled and signed claim form.
• Copy of the First Information Report (FIR) for theft or burglary-related claims.
• Fire Brigade Report in case of fire incidents.
• Copies of any other reports submitted to relevant authorities.
• Photographs clearly showing the extent of loss or damage.
• Property documents such as title deed, completion certificate, occupancy certificate, and building layout plan or architect’s report in case of total loss.
• Signed Electronic Funds Transfer (EFT) mandate along with a cancelled cheque.
• CKYC documents, including CKYC form, PAN card, and address proof, for claims of ₹1 lakh and above.
• Meteorological reports or relevant news articles for natural disaster claims.
• Repair estimates, quotations, and invoices for reinstatement work.
• Details of any other insurance policy covering the same loss, if applicable.
• Any additional documents required for claim processing, as requested by TATA AIG.

Whether you are a homeowner, tenant or landlord, having home contents insurance is crucial to safeguard your valuable assets. Incidents such as theft, burglary, fire, accidental damage, and natural disasters can cause significant damage and loss.

However, home insurance in India with content cover provides financial protection against unexpected losses and offers peace of mind in uncertain situations. When it comes to choosing reliable protection, TATA AIG offers customised home insurance policies with content cover designed to suit different coverage needs.

With extensive coverage and efficient claim support, we help individuals confidently secure their valuable household belongings. Buy the best home insurance plan with content coverage now with TATA AIG.