Home & Property Cover | PolicyGuardian

Most home policies are written once, at the start, and never looked at again — even as renovations, new appliances, and rising rebuild costs quietly outgrow the cover. Home & Property Cover updates itself against real valuation data, so the number on your schedule keeps matching the real cost of your home.

Whether you own outright, hold through a family trust, or rent out a second property, the policy schedule in your portal spells out exactly what's insured, what isn't, and what it would take to make a claim — in plain language, not adjuster-speak.

What's covered under this policy

Six areas of protection, bundled into a single schedule instead of scattered across riders.

Structural Damage

Fire, storm, flood, and other insured perils affecting walls, roof, and foundation are covered at current rebuild value.

Contents Cover

Furniture, electronics, and personal belongings inside the home, valued against replacement cost rather than depreciated value.

Burglary & Theft

Break-ins and theft of insured contents, including forced-entry damage to doors, locks, and windows.

Natural Calamity

Earthquake, flood, and cyclone cover available as standard in high-risk zones, not sold as a pricey add-on.

Tenant Liability

Cover for landlords against damage caused by tenants, plus loss of rental income while repairs are underway.

Renovation Top-Up

Report a renovation from your portal and your cover adjusts mid-term, without waiting for the next renewal.

How a claim actually moves

Three tiers of response, matched to how straightforward the damage is.

Verified Damage

Clear-cut claims with photo and repair-estimate verification settle automatically through smart contract triggers.

Minutes

Site Assessment

Structural claims above a set threshold route to a licensed surveyor, with the timeline posted directly in your portal.

2–5 Days

Disputed Claims

Where cause or extent of damage is contested, your dedicated underwriter reviews the file personally before a decision.

Manual Review

3,200+

Homes Currently Covered

₹5 lac

Max Structure Cover

99.2%

Claims Satisfaction

4 min

Avg. Verified Payout

Questions before you insure a home

The details people usually ask about before adding a property to their schedule.

Both. Owner-occupied homes get structure and contents cover; rented-out properties can add landlord liability and lost-rent cover on the same policy.

Gradual wear and tear, undeclared renovations, and damage from neglecting basic maintenance are excluded. Full exclusions are listed on your individual policy schedule.

Report it from your client portal with the updated value. Your premium recalculates for the remainder of the term — no need to wait for renewal.

It's included as standard in zones flagged as higher-risk by our underwriting data. Elsewhere, it can be added at any time from your portal.

Every wall, every fixture, fully accounted for.