India home insurance estimator
Free India home insurance calculator. Estimate your annual and monthly premium for structure and contents cover from rebuild sum insured, city, excess and cover — private.
How to use
- Enter rebuild and contents value. Add the sum insured to rebuild your home (not its market price) and the value of your contents. Higher values raise the estimate.
- Choose your cover type. Pick structure and contents combined, or contents-only if you rent. The tool prices each so you can compare.
- Set city and excess. Select your city and your excess. A higher excess lowers your premium.
- Review your estimate. See your estimated annual and monthly premium in ₹, the typical range, and each factor's contribution.
Features
- Structure and contents. Prices Bharat Griha Raksha-style structure and contents cover, with the structure portion based on rebuild sum insured.
- Rebuild sum insured based. Reflects that the structure is priced on rebuild cost, not the market or land value that drives Indian property prices.
- Annual, monthly and a range. A point estimate plus a low–high band in ₹, because premiums vary by city and insurer.
- Excess and sum insured factors. Includes excess and rebuild sum insured — key levers that move Indian home insurance premiums.
- 100% private. All maths runs in your browser. Your details are never uploaded, stored or shared.
When to use it
- Sanity-checking a renewal before you accept it
- Estimating structure and contents cover before buying a home
- Comparing contents-only cover if you rent
- Seeing how rebuild sum insured affects your premium
- Budgeting home costs before a purchase
Is it private?
Every calculation runs in your browser. Your home, contents and city details are never uploaded, stored or shared.
Frequently asked questions
Is this a real home insurance quote?
No. It is an educational estimate based on published Indian averages and standard rating factors. Real prices depend on your city, home and insurer, so get quotes for exact figures.
What is Bharat Griha Raksha?
It is the standard home insurance structure in India, combining cover for the structure (priced on rebuild sum insured) with cover for your contents. The tool can price them together or contents-only if you rent.
What is the sum insured based on?
The structure's sum insured is the cost to rebuild your home, not its market price or land value. Insurers price on this rebuild cost, and it can differ significantly from the property's market price.
Should I use rebuild cost or market price?
Rebuild cost — the amount to rebuild your home if it were destroyed. Land value and location, which drive market price, are not part of the structure sum insured.
How does the excess affect my premium?
A higher excess means you pay more towards each claim, so the insurer charges a lower premium. The tool lets you compare excess levels.
Is my information private?
Yes. Everything runs locally in your browser with no upload, no storage and no sign-up.
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