Home Insurance

About Home Insurance Policy

Home Insurance frequently asked questions

There are certain terms and facts that you should know about Car Insurance to buy a suitable policy


Car Insurance

Two-Wheeler Insurance

Travel Insurance

Health Insurance

Corona Kavach Policy

Motor Third Party Liability

Commercial Vehicle

Commercial Lines Insurance

Bharti AXA SME Package

Home Insurance

Pradhan Mantri Fasal Bima Yojana(PMFBY)

Arogya Sanjeevani

List of products

List of withdrawn Products

Car Insurance

Comprehensive Car Insurance

New Car Insurance Policy

IDV in Car insurance

No Claim Bonus in Car Insurance

Bumper to Bumper Car Insurance

Bike Insurance

Comprehensive Two Wheeler Insurance

IDV in Bike Insurance

No Claim Bonus in Bike Insurance

Bike Insurance Quote

Travel Insurance

Travel Insurance Coverage

Benefits of Travel Insurance

Travel Health Insurance

Travel Insurance Quote

Health Insurance

Cashless Health Insurance

Knowledge Centre




Travel Guide

Visa Guide

Road Trip

Insurance Glossary

Health & Fitness Guide

Food & Cuisine Guide

RTO Guide

Driving License Guide

Car Manufacturer

Two-Wheeler Manufacturer

Travel Destination

Bharti AXA & YOU

About Us


Contact Us

Cashless Garages

Cashless Hospitals

Health and Wellness

Branch Locator


Investor Relation Information

NACH Mandate


Public Disclosure

Knowledge Centre

Download Center

Media Center

Consumer Education

Electronic Insurance Account

Update IRCTC Nominee

Unclaimed Amount


Notice Of General Meetings

General Meetings Transcript

Scheme of Arrangement

Service Parameters

Suspended Agents

Whistleblower policy

Become A Partner

About Group

AXA Group

Bharti Enterprises

Bharti AXA Life Insurance

Download My Airtel App


Privacy Policy

Terms of Use

Fraud Risk Management Policy

Equal Opportunity Policy

Car Insurance

Bharti AXA provides a comprehensive cover for your car,so you can drive hassle-free.

Two Wheeler Insurance

Ride worry-free, with Bharti AXA two wheeler insurance plan. 

Health Insurance

Safeguard the health of your loved ones with a wide range of Bharti AXA health insurance plans.

Other Health Insurance

Safeguard the health of your loved ones with a wide range of Bharti AXA health insurance plans

Travel Insurance

Secure your joyous family trips with Bharti AXA international travel insurance cover.

Bharti AXA Home Insurance

Bharti AXA Home Insurance

Bharti AXA SME Package Insurance

Bharti AXA SME Package Insurance

Bharti AXA Commercial Lines Insurance

Bharti AXA Commercial Lines Insurance

Bharti AXA Commercial Vehicles Insurance

Bharti AXA Commercial Vehicles Insurance

Bharti AXA Motor Third Party Insurance - Commercial

Bharti AXA Motor Third Party Insurance - Commercial

Crop Insurance

Crop Insurance

Bharti AXA Car Insurance

Renew your Bharti AXA car insurance to enjoy your non-stop drive.

Bharti AXA Two Wheeler Insurance

Renew your Bharti AXA Two Wheeler Insurance to continue your worry-free rides.

Bharti AXA Health Insurance

Renew your Bharti AXA Health Insurance and continue to safeguard the health of your loved ones.

Register Claim



About Bharti AXA

Branch Locator

Cashless Garages

Cashless Hospitals

Health and Wellness

Health and Wellness


Contact Us

Become A Partner

Become A Partner

What are the losses/ perils covered under this policy?

Home insurance covers natural and man-made calamities for your Sections Pertaining to Loss by Fire & Allied Perils Like

  • Fire
  • Lightening
  • Explosion/Implosion
  • Aircraft Damage
  • Impact Damage
  • Riot, Strike, Malicious and Terrorism Damage
  • Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation
  • Subsidence and Landslide including Rockslide
  • Bursting and/or overflowing of water tanks, apparatus and pipes
  • Missile Testing Operations
  • Leakage from Automatic Sprinkler Installation
  • Bush Fire
  • Earthquake

Man-made calamities like:

  • Burglary and Theft 
  • Cover for Terrorism ( If Opted)

What are the details require for claims?


  1. Customer Name
  2. Customer E-mail and Phone Number
  3. Customer KYC details such as PAN, Aadhar and Shop/Entity KYC such as PAN, Form-C, etc
  4. Documents proving the ownership of affected property & (ii) Repair/Replacement proof with proof of payment – change it to - Repair/Replacement bills with proof of payment.
  5. Loss Type
  6. How Loss/Damage happened
  7. Cause of Loss/Damage
  8. Date & Time of Loss/Damage
  9. Location of Loss/Damage                            
  10. Estimate of Loss/Damage
  11. Contact Person Details at Loss Location
  12. Police FIR filed within 24 hours from the time of knowledge of loss (Mandatory in case of cash claims)
  13. Fire Brigade Report, in case of Fire
  14. Local News Paper Clippings, if any                                      
  15. Cash register (Mandatory in case of cash claims)
  16. Any other relevant document that may be required

Is my home insured if my brother uses a part of it (room) for conducting coaching classes?

No. Homes used for business purposes are not covered.

Is there an age limit on the property for it to be insured?

Yes- we only cover Property with Age less than or Equal to 50 Years.

What happens to the home insurance policy if the insured house is sold?

From the time the transfer of ownership becomes effective, the policy stands cancelled and the insured ceases to be an insured under the policy. We will then refund the premium for the balance of the insured period.

A house is more than just a place of residence. It is an oasis of peace and convenience for the members living in it. However, houses are exposed to several types of natural as well as man-made risks. These risks can cause substantial damages which can result in tremendous financial losses.

For instance, The 2018 Kerala floods caused destruction worth Rs 40,000 crore. It has also been reported that 59% of India’s area is vulnerable to earthquakes and 12% of its area is prone to floods. The cyclone Amphan which effected West Bengal and Orissa is estimated to have caused losses worth an astounding Rs 1 lakh crore.

Apart from this, man-made perils such as burglaries could result in losses due to theft of electrical appliances. One may also lose important documents.

If any of these events occur, you could suffer financial losses worth lakhs. However, you can instead protect your family and yourself with Bharti AXA’s Smart Plan Householder’s Package Policy.

About Bharti AXA Home Insurance Policy
What Is Covered


  • Fire and allied perils including earthquake Cover for –Buildings & Home Contents.
  • Breakdown of Domestic Appliance.
  • Compensation Against Loss of Baggage
  • Cover against legal liability to domestic servants and third parties. Etc
  • Terrorism(-If opted)


What Is Not Covered
  • Loss or Damage to insured property caused by war or war like operations
  • Willful act or negligence of the insured
  • Cracking, scratching or breakage of lens in respect of articles of brittle and fragile nature