Add-Ons in a Home Insurance Policy

Select optional home insurance covers from our selection as per your choice and coverage requirements:

Home Insurance Rider	Why Choose the Rider?
Cover for Valuable Contents	Covers loss or damage to valuables, including jewellery, antiques, sports equipment, watches and similar items.
Personal Accident Cover	Pays ₹5 lakh per person for the policyholder's or spouse’s death due to an event covered under the policy that damaged the home building or its contents.
Personal Liability Cover	Covers legal expenses and compensation for third-party injuries, fatalities and property damage.
Temporary Resettlement Expenses	Covers relocation, transportation and emergency expenses for alternative accommodation.
Accidental Damage - General Contents	Pays for accidental damage to general home contents caused when something unexpectedly hits or damages them.
Burglary and Theft Cover	Pays to replace belongings stolen or damaged due to burglary or theft, subject to the applicable cover and limits.
Terrorism Cover	Offers financial protection against damage, loss or destruction of your insured home caused by acts of terrorism or sabotage.
Public Liability Cover	Covers third-party liabilities for accidental death, bodily injury or property damage, including certain liabilities to domestic staff.
Breakdown of Domestic Electrical and Electronic Appliances	Pays to repair or replace electrical and electronic appliances in case of a mechanical or electrical breakdown covered under the policy.
Baggage Loss	Covers damage, loss or theft of your personal baggage during trips outside the municipal limits of your place of residence.
EMI Protection	Covers home loan EMIs in the event of the insured person's death, permanent total disability due to an accident or loss of job, subject to the policy conditions.
Fraudulent Charges	Reimburses unauthorised charges on your lost or stolen payment card or SIM card, or on your bank, credit or e-wallet account when the card or SIM remains with you.
Preventive Maintenance Charges	Covers preventive maintenance charges for your home structure and contents to help prevent loss or damage from an insured event.
Value Added Service - Pick Up and Drop Off	Offers pick-up and drop-off services for transporting your insured property to and from a repairer following a valid and admissible claim.

At TATA AIG, we offer a wide range of customisation options for our house insurance plans, so you can tailor your coverage to your lifestyle and property requirements.

Check the add-on covers we offer for different house insurance policies, with coverage benefits and conditions for claim settlement:

Add-ons Available Under TATA AIG Bharat Griha Raksha Policy

In addition to the standard coverage, the TATA AIG Bharat Griha Raksha Policy offers optional add-ons such as the following:

Cover for Valuable Contents on Agreed Value Basis

What Does It Cover?	Conditions for Claim Settlement
Covers physical damage and loss to valuable contents in your home, including jewellery, art pieces, antiques, watches, sports equipment, and similar items. Pays for repairs for damaged items and the sum insured for total losses.	A valuation certificate may be required for valuable contents. This requirement is waived if the sum insured is up to ₹5 lakh and the value of each individual item does not exceed ₹1 lakh. The claim amount will not exceed the sum insured mentioned in the policy schedule.

Personal Accident Cover

What Does It Cover?	Conditions for Claim Settlement
Offers fixed compensation of ₹5 lakh per person for the death of the insured or their spouse. If the insured passes away, the cover continues for the spouse until the expiry of the policy.	Payable if the insured event that causes damage or loss to the insured home structure or contents causes the death.

Personal Liability Cover

What Does It Cover?	Conditions for Claim Settlement
Covers legal expenses and compensation arising from third-party injury and property damage. Covers accidental injuries, fatalities and property damage due to an insured event.	The claim must not arise due to specified exclusions, such as business, employment, home repairs and vehicles. The claim must not result from the transmission of any communicable disease or virus.

Temporary Resettlement Expenses Cover

What Does It Cover?	Conditions for Claim Settlement
Covers packing, unpacking and transportation expenses to relocate to alternative accommodation. Pays for emergency items such as food, clothing, medicines and essentials for infants.	Coverage offered if your insured home becomes uninhabitable due to an insured event. Submit a certificate from an Architect or local authority confirming that the home is unfit for living. Does not compensate if you don’t live in your insured home or have moved away due to construction, renovation, or expiry of the tenancy agreement.

Accidental Damage- General Contents

What Does It Cover?	Conditions for Claim Settlement
Compensates for accidental damage to general contents in your home due to unforeseen, external, visible, and violent impact. General contents refers to all the contents of household use, such as furniture, fixtures, electronic items and goods, solar panels, and similar items. Covers the damage if the item no longer functions as intended.	Excludes portable electronics and electrical items. Items must be mentioned in the policy documents/insurance certificate. Does not cover damage caused by exclusions such as incorrect storage, poor maintenance, incorrect installation, misuse, or intentional acts.

Add-ons Available Under TATA AIG Home Protect Policy

In addition to Cover for Valuable Contents on Agreed Value Basis, Personal Accident Cover, and Temporary Resettlement Expenses Cover detailed above, we offer the following optional add-on covers under the TATA AIG Home Protect Policy.

Burglary and Theft Cover

What Does It Cover?	Conditions for Claim Settlement
Covers the replacement cost of general contents lost, destroyed, or damaged due to burglary. Covers theft if this cover is opted for and mentioned in the policy schedule. Valuable contents are covered up to 10% of the sum insured for general contents, if valuable contents cover is opted for.	The items must be declared in the policy schedule. Does not cover theft or attempted theft from open areas such as yards and gardens, unless specifically insured. Does not cover loss or damage due to specified exclusions, such as misplacement, wear and tear, or gradual deterioration. Excludes legal liability and consequential losses.

Terrorism Cover

What Does It Cover?	Conditions for Claim Settlement
Covers material damage, loss and destruction of the insured property. Coverage offered for loss or damage caused by acts of terrorism or sabotage.	The claim will be settled as per the terms and conditions of the Sabotage and Terrorism Damage Cover Endorsement (Material Damage only) attached to the policy.

Add-ons Available Under TATA AIG Smart Home All Risk Policy

You can enhance your coverage with the following optional add-ons under the TATA AIG Smart Home All Risk Policy.

Public Liability Cover

What Does It Cover?	Conditions for Claim Settlement
Covers compensation and legal expenses for third-party claims. Covers your legal liability for causing bodily injury, death or property damage to third parties. Covers claims payable to your domestic staff under applicable laws.	For third-party claims, the injured person or property owner must not be you, your family, or domestic staff. Does not cover claims arising from your occupation, business, or other policy exclusions. Claims arising from the transmission of any communicable disease or virus.

Breakdown of Domestic Electrical and Electronic Appliances

What Does It Cover?	Conditions for Claim Settlement
Covers repair costs, including parts and labour, for mechanical or electrical breakdown of insured appliances. If the appliance cannot be repaired, it covers its replacement cost up to the sum insured. For a total loss, pays the current retail price of the appliance or a similar appliance with the same functionality, if the same insured appliance is unavailable.	The appliance must be insured under the policy and be less than 7 years old. The appliance must not be modified or used for business purposes. Does not cover damage due to exclusions, such as wear and tear, or misuse. Repair costs for which the manufacturer or supplier is responsible are not covered.

Baggage Loss

What Does It Cover?	Conditions for Claim Settlement
Covers theft, accidental loss, damage or destruction of personal baggage during a trip. Covers emergency purchases of essential items up to 25% of the sum insured.	The baggage must be owned by and accompanied by you and/or your family during the trip. The trip must be outside the municipal limits of the village, town, or city where you reside. Does not cover perishable or consumable items, damage caused by rats, fungus, insects, or vermin, baggage not in your custody, or other specified exclusions under the policy.

EMI Protection

What Does It Cover?	Conditions for Claim Settlement
Covers ongoing home loan EMIs in case of death or permanent total disability due to an accident. It is provided for the number of months specified in the policy and up to the sum insured. Covers home loan EMIs in case of loss of job during the policy period.	Death or permanent total disability must occur within 12 months of the accident. Does not cover overdue EMIs, fines, or penalties. Loss of job due to voluntary unemployment, poor performance, fraud, misconduct, or other specified exclusions is not covered. Unemployment from casual, temporary, seasonal, or contractual employment is not covered.

Fraudulent Charges

What Does It Cover?

Conditions for Claim Settlement

Covers unauthorised charges on a lost or stolen Payment Card or SIM Card incurred up to 24 hours before reporting the loss. Covers unauthorised charges on your bank, credit or e-wallet account when your Payment Card or SIM Card remains with you. Such charges are covered for up to 2 months before they are reported.

The loss must be reported to the card/ SIM/ e-wallet service provider within 3 hours of finding the loss. The loss must be reported to the appropriate legal authorities within 24 hours of finding the loss. Claims are not covered if you shared your PIN, OTP, or other security details. Claims may be refused for cash advances made with your lost or stolen Payment Card or other specified exclusions, such as unverified e-wallet KYC.

Preventive Maintenance Expenses

What Does It Cover?	Conditions for Claim Settlement
Reimburses the cost of preventive maintenance for your insured home and home contents. Covers expenses incurred to prevent loss or damage from an insured event.	Payable after a block of two consecutive years of continuous coverage. You must hold the policy with us without a break and not report any claim during the two-year period.

Value Added Service- Pick Up and Drop Off

What Does It Cover?	Conditions for Claim Settlement
Offers pick-up and drop-off services for transporting your insured property to and from a repairer in case of loss or damage.	You must notify and register a valid home insurance claim under the base policy. You must contact the Assistance Service Provider mentioned on our website to use the service.

Disclaimer: The above coverage features, inclusions and exclusions are not exhaustive and subject to terms and conditions. Read our policy documents for more information.

Provides Tailored Protection	Comprehensive Financial Protection	Enhances the Financial Safety Net	Value Beyond Claims
Add-ons allow homeowners to structure their home insurance plans to their unique needs. Instead of paying for an expensive plan that covers every risk, homeowners can pick, choose and pay for only the coverage benefits they need.	Add-ons can extend the protection offered by a standard house insurance policy to cover specific risks and expenses, such as temporary resettlement, preventive maintenance, and personal accidents. This gives you broader financial protection under a single policy.	Add-ons such as public liability cover, baggage loss, and EMI protection create an enhanced financial safety net. They cover you and your family from a wider range of financial risks.	Even without making a claim, adding riders to a home insurance plan can provide benefits such as preventive maintenance support and help prevent potential loss or damage.

Assess Your Needs	Conduct a Thorough Property Valuation	Consider Property Type and Occupancy
Evaluate your specific needs and risks by considering your property’s location, type of property, value of assets, and your unique circumstances. For example, if your property faces monsoon and flood risks, get add-ons that enhance structural and contents coverage.	Conduct a thorough valuation of your property and all of its contents, including electronics, artwork, jewellery and valuables. Beyond standard home insurance policies, look for add-ons offering specialised and enhanced financial protection.	Different property types and living arrangements may need different levels of protection. Homeowners may need broader coverage for their belongings, while housing societies may need housing society insurance with add-ons suited to residential communities.

Estimate Lifestyle and Future Needs	Compare Coverage and Costs	Check the Policy Terms
Since your home is your long-term asset, understanding your changing needs helps you choose the right coverage. If you plan to expand your family or refurbish your home, you may want add-ons like appliances and public liability covers.	Once you know your needs, evaluate home insurance add-ons based on the coverage benefits, limitations and conditions. Balance the level of protection you need with your budget to find the right plan and add-ons.	Review the coverage, exclusions, limits and claim conditions of each add-on before choosing it. Make sure the add-on provides protection that is relevant to your property and requirements.

Check the following table to know which are the best add-ons for home insurance for different requirements:

Situation	Recommended Home Insurance Add-Ons	Primary Reason
Families Residing in Flood-Prone Areas	Temporary resettlement cover, accidental damage to general contents, and preventive maintenance expenses	Provides relocation and emergency expense coverage, protection against accidental damage and maintenance costs to mitigate potential losses.
Families with Luxury Assets and Valuables in Home	Cover for valuable contents and breakdown of domestic electrical and electronic appliances	Covers repair or replacement costs for the valuables and covered appliances, subject to the policy conditions.
Urban Residents and Homeowners	Breakdown of domestic electrical and electronic appliances, baggage loss and fraudulent charges add-ons	Covers the risk of urban homeowners, including damage to expensive electronics, baggage losses during trips and unauthorised transactions made using lost or stolen payment or SIM cards.
Homeowners with an Active Mortgage	EMI protection and personal accident cover	Covers home loan EMIs in case of death, permanent total disability due to an accident or loss of job and provides accidental death compensation to secure the family’s future.
Landlords and Property Investors	Public liability cover and preventive maintenance expenses	Provides protection against third-party liabilities and reimburses eligible preventive maintenance expenses.
Properties Located in High-Crime and Hostile Border Areas	Terrorism cover, burglary and theft cover and accidental damage to general contents	Shields the property against acts of terrorism or sabotage, burglary or theft, and accidental damage to general contents.

There is no standard/fixed premium for home insurance riders. The cost of each add-on/rider depends on your chosen home insurance policy, sum insured, tenure, property location, age, condition and value of home contents. The insured amount depends on your home’s carpet area, construction type and adjoining structures and fixtures.

Here are the main factors determining the cost of home insurance riders:

Plan Type: Add-on costs vary by plan and by whether you cover only the building structure or both the structure and contents.

Building Value: The reconstruction cost of the home structure also affects the premium price.

Value of Contents: The cost of replacing home contents and valuables will impact the cost of add-ons.

Location: The risk of natural calamities and manmade disasters depends on the property’s geographical location, which affects insurance price.

Policy Tenure: The longer the plan tenure, the higher the cost of home insurance additional coverage.

Add-Ons Selected: The number and type of add-on covers you select will affect your premium costs.

Since the price of add-ons varies considerably, use our home insurance calculator at the top of this page to understand your costs. This online tool lets you adjust the insurance terms, include/remove add-ons and shows the full cost breakdown.

Step 1: Scroll to the calculator at the top of this page. Choose whether you are an owner or tenant and enter your PIN code and mobile number.

Step 2: Enter your home insurance details, including the sum insured, contents value and tenure. Select a plan and start adding riders to the home insurance plan.

Step 3: Enter the required property details, including age, type, carpet area, etc.

Step 4: Provide the breakdown of home contents value, existing loan details and your personal information as required.

Step 5: Pay the premium amount to buy a house insurance policy with your chosen add-on covers.

Step 1: Contact TATA AIG at 022-6389-8282 as soon as possible and provide the relevant details about the loss or damage.

Step 2: File a report with the relevant authorities, such as the police station, fire brigade or district administration, as applicable.

Step 3: Visit the TATA AIG claims page and click on Initiate Claim->Home.

Step 4: Enter the required personal and policy details, including the date, time, and place of the loss, and click on “Submit”.

Step 5: TATA AIG will examine the claim details and supporting documents to determine the claim payout as per the policy terms and conditions.

If you prefer to file a claim offline, you can contact us or visit the nearest branch.

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.