Protect More Than A House.
Protect Your Home.
Your home is more than walls and a roof. Protect your building, belongings and treasured possessions against unexpected events with comprehensive home insurance solutions.
What Makes A Home Valuable
We audit and protect every element that details your primary residential capital.
Building Structure
The core foundation, RCC walls, roof tiling, and structural doors & windows.
Furniture & Fittings
High-grade teakwood setups, sofa sets, cupboards, and bespoke wardrobe installations.
Electronics
Server systems, televisions, personal computers, sound bars, and home network devices.
Kitchen Appliances
Refrigerators, induction units, convection ovens, dishwashers, and food systems.
Jewellery & Valuables
Gold ornaments, diamond rings, premium watch collections, and precious metals on-site.
Art & Collectibles
Original paintings, sculpture works, historic souvenirs, and rare books registry.
Essential Documents
Property deeds, share folders, physical certificates, and structural layout blueprint maps.
Personal Belongings
Apparel sets, luggage, premium accessories, and personal utility items.
Choose What You Want To Protect
Flexible policy models adjusted to suit owners, tenants, and property portfolios.
Entire Home
All-in-one protection layer wrapping building structure plus internal home contents.
Only Building
Secures the physical structure, walls, roof, plumbing lines, and structural fixtures.
Only Contents
Protects internal assets, furniture, gadgets, and valuable collections against theft or damage.
Building + Contents
The ultimate advisory shield matching property reinstatement and personal asset values.
✓ Insured on Reinstatement Basis rules.
✓ Permanent fitting valves & tanks integrated.
✓ Compound boundary perimeter included.
Home Building Cover
Secures the entire physical envelope of your property. Underwriting policies indemnify building reconstruction costs on a reinstatement basis, avoiding wear and tear deductions on structural materials.
Important Covenant: Insured on a reinstatement basis according to policy wording. Reconstructive claims are audited based on construction materials costs to rebuild equivalent square footage.
Home Contents Cover
Interactive room grid illustrating what assets and appliances are protected under contents clauses.
Insuring Your Living Room
Standard inclusions covered during accidental damage or burglary events.
Always Covered Events
Underlying insured hazards covered under standard residential property guidelines.
Fire
Accidental fire incidents including electrical short-circuits and wiring combustion.
Explosion / Implosion
Blast damage arising from kitchen gas cylinders or domestic boilers.
Lightning Strike
Physical damage to building facade and electrical circuits due to lightning strikes.
Earthquake
Structural cracking, subsidence, or total collapse caused by tectonic movements.
Storm & Tempest
Heavy winds, hurricanes, or tornadoes causing structural and roofing damage.
Cyclone
Severe tropical cyclonic storms damaging walls, windows, and outdoor fixtures.
Flood
River overflows or drainage backups flooding basement and ground levels.
Inundation
Heavy torrential rainwater accumulation logging residential layouts.
Landslide
Down-slope movement of soil impacting hillslope home foundations.
Rockslide
Falling boulders or stones damaging boundary walls and structures.
Subsidence
Gradual sinking of the home's subsoil structure (excluding normal settling).
Terrorism Acts
Physical damage to premises arising from certified acts of sabotage.
Forest / Bush Fire
Spreading wildfire originating from nearby trees, hills, or brushlands.
Optional Covers & Extensions
Customize your policy with optional add-on extensions supported by premium underwriters.
Jewellery Cover
Worldwide cover protecting gold, platinum, diamonds, and ornaments stored at home.
Portable Electronics
Protects laptops, cameras, smartwatches, and phones outside the home perimeter.
Valuable Contents
Enhanced agreed-value indemnity limits for rare paintings, sculptures, and collectibles.
Personal Accident
Accidental death or permanent disability coverage for the family breadwinner.
Domestic Staff Cover
Compensation shield for cooks, drivers, and housemaids under the WC Act rules.
Temporary Accommodation
Covers hotel stay or rental expenses if your home becomes uninhabitable after a claim.
Accidental Damage
Protects mirrors, glass tables, and sanitary fittings against accidental breakage.
Burglary Extension
Covers theft of valuables, clothing, and household goods following forced entry.
Home Protection Journey
Our property risk advisory lifecycle mapping stages of residential protection.
Purchase Home
Securing the property deed of your apartment, villa, or independent bungalow.
Furnish Home
Adding bespoke furniture, kitchen sets, electronics, and personal articles.
Protect Your Assets
Consulting BP & AF to build a custom reinstatement building and content shield.
Unexpected Event
Sudden structural damage from a storm, fire, or earthquake incident.
Claim Assistance
BP & AF advocates negotiate with survey desks to audit repair estimates.
Home Restored
Claims settled, enabling reconstruction of structures and replacement of contents.
Coverage Comparison
Understand features across core residential property protection plans.
| Coverage Scope | Home Building | Home Contents | Building + Contents |
|---|---|---|---|
| Building Structure | ✓ Full (Reinstatement Basis) | ✗ Not Covered | ✓ Full (Reinstatement Basis) |
| Furniture & Fittings | ✗ Not Covered | ✓ Full Cover | ✓ Full Cover |
| Kitchen Appliances | ✗ Not Covered | ✓ Full Cover | ✓ Full Cover |
| Electronics (TV, AC) | ✗ Not Covered | ✓ Full Cover | ✓ Full Cover |
| Jewellery & Ornaments | ✗ Not Covered | ✓ Optional Add-on | ✓ Optional Add-on |
| Portable Items (Laptops) | ✗ Not Covered | ✓ Optional Add-on | ✓ Optional Add-on |
| Electrical Fixtures | ✓ Covered | ✗ Not Covered | ✓ Covered |
| Compound Wall & Tanks | ✓ Covered | ✗ Not Covered | ✓ Covered |
| Suitable For | Landlords & Building Owners | Tenants renting properties | Self-Occupied Homeowners |
Building Structure
Furniture & Fittings
Kitchen Appliances
Electronics (TV, AC)
Jewellery & Ornaments
Portable Items (Laptops)
Electrical Fixtures
Compound Wall & Tanks
Our Claim Journey
A structured claims audit roadmap focused on transparent settlement coordination.
Incident Occurs
Take safety measures, photograph the damage, and secure the premises.
Notify BP & AF
Call our personal lines desk immediately to intimate the damage event.
Documentation
Submit claim form, invoices, repair estimates, and initial site photos.
Insurer Survey
An underwriter surveyor inspects the structure and files the assessment.
Claim Assessment
We reconcile the surveyor's findings with the replacement invoice records.
Settlement Support
Claims are approved, allowing reconstruction funding and asset restoration.
Required Claims Documentation
Standard property documentation requested during insurance claim audits.
Audit Documents List
- Complete Physical Address of Property
- Identity & Address Proof of Insured
- Purchase Invoices of Gadgets & Furniture
- Property Ownership Title Deed (or Rent Lease)
- Pre-repair Damage Site Photographs
- Cancelled Bank Check for NEFT Transfer
- Previous Policy Copy (if porting/renewing)
Frequently Asked Questions
Addressing common inquiries concerning residential home risk placement.
Request Home Insurance Consultation
Provide your property details below. Our Personal Line Advisors will coordinate with top underwriters to draft customized solutions.
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