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Reliance Householder's Package Policy


Home Insurance








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It takes a ton of effort to make your house – a “home.” And, if it’s important to you, it matters to us as well! Presenting Reliance Home Content Insurance – a policy that protects your personal belongings including jewellery, furniture, electronics, and electrical appliances against the risk of flood, fire, theft, burglary, and other perils.

Types of home insurance plans​​


RisksItems coveredSilver
@ ` 3,923*
@ ` 7,745*
@ ` 14,390​*
Coverage in Rupees
and machinery
Electrical Appliances50,0001,00,0002,00,000
Fixed Plate Glass 25,00050,0001,00,000
Other content ​ ​3,25,0006,50,00013,00,000
All risks -
Theft ,
Jewellery cover1,50,0003,00,0005,00,000
Personal AccidentEarning member2,00,0003,00,0005,00,000
Maximum Sum Insured 5 Lakhs 10 Lakhs 20 Lakhs
​ ​ *Premium rates are exclusive of taxes
#Coverage of machinery breakdown is applicable for electronic and electrical appliances only.​


Refer this section to get more clarity on our coverages-
- Electronics include desktop, laptop (not more than 5 yrs), music system, LED/LCD television, setup box, and dvd player.
- Electrical appliances include air conditioner, cooler, washing machine, fridge, fan, mixer/grinder, oven, induction, water Purifier, vacuum cleaner, dishwasher and toaster.
- Fixed plate glass include fixed window glass panes and fixed mirrors
​​​- Other content include furniture, fixtures, lights and apparel​​​

Who can buy this policy?

Own a house?
It's best to protect your valuables electronic & electrical appliances ,jewellery​, etc. with this policy.​
Stay in a rented house?
​You can still insure your electronic & electrical appliances ,jewellery, etc. with this policy.


​What does this policy cover

We've tried to cover all the basic elements in our home insurance policy, so if your home is damaged due to any of the following reasons, we have it covered!
  • Protection of content against fire, flood,  earthquake,  and lightning​
  • Domestic Mech​anical, Electrical, and Electronic appliances
  • Jewellery and valuables against accident or misfortune
  • Burglary and House Breaking​
  • Personal Accident coverage for earning member and spouse
  • Television set as well as accessories such as DVD and VCR
  • Accidental breakage of fixed plate glass

For more details, kindly refer the property insurance policy wordings or contact our nearest branch.

What does this policy not cover

​​Although we'd like your home insurance to cover all types of situations, it isn't possible. For an exhaustive understanding of the exclusions, kindly refer the policy wordings. Some of the exclusions in our home insurance policy are:​

1.       Fire and allied perils

  • Damage caused by war, invasion etc
  • Destruction caused by due to volcanic eruptions
  • Radioactive toxic, explosives or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
  • Loss, destruction or damage to bullion or unset precious stones or any curios or works of art of an amount exceeding Rs. 10,000/-manuscripts, plans, drawings, securities, obligations or documents of any kind, stamps, coins or paper money, cheques, books of accounts or other business books, computer systems records, explosives unless otherwise expressly stated in the policy.
  • Loss, destruction or damage caused to the insured property by pollution or contamination

2.       Jewellery and valuables

  • Cracking, scratching or breakage of valuables or glass during transit
  • Where any item insured hereunder consists of articles in pair or set the Company's liability in respect thereof shall not exceed the value of any article which may be lost or damaged without reference to any special value which such article may have as part of such pair or set.

3.       Domestic Mechanical Electrical, and Electronic Appliances

  • Willful act or gross negligence of the insured
  • Faults existing at the time of commencement of the policy _
  • Any fault or defect for which the manufacturer or supplier of the damaged item is responsible

4.       Television set

  • To external antenna or fittings by theft unless the Television Apparatus itself is stolen at the same time
  • Caused by or arising out of or traceable to erection, repairing or dismantling of the Television Apparatus
  • For which the manufacturer or supplier of the Television Apparatus is responsible

5.       Fixed Plate Glass

  • Breakage of glass not completely and securely fixed
  • Breakage or damage during removal, alterations and/or repairs

6.       Personal Accident

  • Death or disablement resulting directly or indirectly caused by childbirth or pregnancy
  • from intentional self-injury, suicide or attempted suicide,
  • ​(b) whilst under the influence of intoxicating liquor or drugs
  • whilst engaging in aviation or ballooning whilst mounting into, dismounting from or travelling in any aircraft or balloon other than as a passenger
  • directly or indirectly caused by venereal diseases, AIDS or insanity
  • arising or resulting from the Insured Person committing any breach of law with criminal intent.

7.       Burglary and Housebreaking

  • Any burglary and/or housebreaking where the insured persons family member is responsible or involved
  • To livestock, motor vehicles and pedal cycles

For details about the homeowner’s insurance policy in India, kindly refer the policy wordings and/or Reliance Householders' Home Insurance Package policy tab

Advantages of Buying Content Insurance

We provide coverage against risks, perils and unforeseen incidents such as:

  • Coverage for your expensive electronic items such as​ Jewell​ery​, TV​, AC​,Washing machine​​, Fridge​, ​​Computer​ and other electrical equipment
  • Protection against damage from short circuits and mechanical breakdown
  • Protection against accidental breakage
  • Protection against breakage of fine glass fixtures or fixed plate glass
  • Insurance for your gold, diamond sets and other jewellery against theft and loss. Chain snatching is covered even outside your home
  • Protection against theft, loss or burglary
  • Coverage against personal accident inside the home for self and spouse

Our Comprehensive House Insurance Policy safeguards all your valuables and provides the benefits of several different policies in one. Buy it online now!​

​ ​

Home Insurance Reviews and Ratings

Average Rating:

4.4(Based on 41 ratings)

Showing 10 reviews

  • “Good policy, covers all the risk.”

    Taking my family for a vacation to Europe. Since I am taking my two year old daughter, I can't risk anything happening. Taking this travel insurance as a precaution. Good policy, covers all the risk.

    Uday S20 June 2017, Kochi
  • “Got free international sim card”

    The premium offered for this travel insurance at this price is really good. Ended up using the free international sim card they gave. Thanks reliance.

    Mirza S19 June 2017, Hyderabad
  • “Reliance travel insurance for elders highly recommended”

    Travel insurance for my elderly parents helped them travel stress-free and visit a new country. Reliance travel insurance for elders highly recommended

    Navya N14 June 2017, Hyderabad
  • “Best rates and process was also easy”

    My younger sister is currently in Europe on a 20 day trip and while searching for a good travel insurance for her I came across reliance travel insurance. As far as i know they seem to have the best rates and process was also easy

    Ramnath R22 May 2017, Pune
  • “Enjoy the trip without a worry because of the reimbursements”

    My Mom and Dad recently went on a Euro trip. I insisted them to take a Reliance travel insurance (after researching online) as it was an international trip. Fortunately, this came in handy as their bags were delayed for 2 days but they could enjoy the trip without a worry because of the reimbursements.

    Sahil B17 May 2017, Kolkatta
  • “Good customer service”

    Great customer service and good value added benefits

    Maddy Y9 February 2017, Bhandup
  • “Best Schengen travel insurance plan”

    After comparing different Schengen travel insurance plans, I found this to be the best.

    Arun N9 February 2017, Goregaon
  • “Good for senior citizens”

    A very good travel policy for 60 plus at a cheap price.

    Kiran J8 February 2017, Mulund
  • “Low cost travel plan”

    It is a low cost travel plan and has a brilliant customer service.

    Pankaj K8 February 2017, Kandivali
  • “Good Plan”

    It is one of the best senior citizen travel insurance plans in the market.

    Kapil S7 February 2017, Goregaon

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