Home Insurance: Protect the Place You Love
Cover for your house, flat and the things inside. Tell us about your home and we will help you understand the options.
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- Simple advice in plain words
- Help with renewals and claims
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Overview
About home insurance
Your home is often your biggest asset. Home insurance can cover the building, your household items, or both, against risks like fire, flood and burglary, as per the policy.
Tenants can also insure the contents of a rented home. At Insurance Kro we explain the cover in simple words, so you know what you are buying.
What is covered
- Building structure damage from fire, as per policy
- Flood and other natural calamities, as per policy
- Burglary and theft of household contents
- Damage to contents such as furniture and appliances, as per policy
- Similar risks listed in the policy
- Contents cover for tenants
What is not covered
- Normal wear and tear
- Losses listed as exclusions in your policy
- The market price of the land
- Items or events the policy does not mention
- Damage caused by wrong or hidden facts at the time of buying
Good to know
How to choose the right home insurance
- For building cover, think about the cost to rebuild, not the market price of the land.
- List your valuable items so the contents cover is not too low.
- Read the exclusions and the claim steps before you buy.
- If you rent, ask about contents cover for tenants.
- Keep photos and bills of important items in a safe place.
How we help
Simple steps to get covered
Share your details
Fill the short form with your name, mobile number and vehicle type. It takes about a minute.
Get your options
We call you, ask a few simple questions and explain the plans that fit your vehicle and budget.
Choose and stay covered
Pick the plan you like. We help with the papers, and with renewals and claims later.
Related guides
Read more before you decide
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Read guideFAQs
Questions about home insurance
What does home insurance cover?
It can cover the building, the contents, or both, against fire, flood and other natural calamities, burglary and similar risks. Check your policy wording.
Is the land covered?
No. Building cover is usually based on rebuilding cost, not on the market price of the land.
Does it cover wear and tear?
No. Wear and tear is not covered.
Can a tenant buy home insurance?
Yes. Tenants can usually insure the contents of the home they rent.
What should I keep ready for a claim?
Keep the policy copy, photos, bills of items and any police report if there was a theft. The insurer will tell you what else it needs.
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