Owning a home is one of life’s biggest achievements, but protecting it is even more important. Natural disasters, fire, theft, or accidental damage can cause huge losses. That’s why home insurance in India has become essential in 2025. With multiple companies offering comprehensive plans, choosing the right one can be confusing.
In this guide, we’ve listed the Top 20 Best Home Insurance Companies in India 2025, their key features, coverage options, and why they stand out. This will help you find the best protection for your home and belongings.
Why Do You Need Home Insurance in India?
- Protection from Natural Disasters – floods, earthquakes, cyclones, and more.
- Coverage for Fire & Accidental Damage – safeguard your structure and contents.
- Theft & Burglary Protection – covers valuables like jewelry, electronics, and furniture.
- Peace of Mind – ensures your home and family are financially safe.
Top 20 Best Home Insurance Companies in India 2025
1. ICICI Lombard General Insurance
One of the most trusted names in India, ICICI Lombard offers home insurance plans covering fire, burglary, natural calamities, and loss of valuables.
2. HDFC ERGO General Insurance
Known for affordable premiums and easy claim settlement, HDFC ERGO provides policies that cover both structure and contents.
3. New India Assurance
A government-backed insurer with wide coverage across India, offering reliable home protection for urban and rural areas.
4. Bajaj Allianz General Insurance
Offers customizable home insurance plans with optional add-ons for earthquake and terrorism coverage.
5. Tata AIG General Insurance
Comprehensive plans covering fire, theft, natural disasters, and home contents with fast digital claim processing.
6. SBI General Insurance
Trusted by millions, SBI General offers affordable premiums and extensive coverage for both owned and rented homes.
7. Reliance General Insurance
Provides flexible home insurance plans that cover structural damage, burglary, and natural calamities.
8. IFFCO Tokio General Insurance
Known for wide coverage and affordable premiums, IFFCO Tokio’s home insurance protects against disasters and accidents.
9. Oriental Insurance Company
Government-owned insurer offering reliable and affordable home insurance plans with strong financial backing.
10. Bharti AXA General Insurance (Now ICICI Lombard)
Offers well-rounded plans with comprehensive protection against theft, fire, and natural disasters.
11. United India Insurance
Another government-backed giant offering trusted and affordable home insurance services across India.
12. Kotak Mahindra General Insurance
Provides home insurance plans with quick digital claims and flexible coverage options.
13. Future Generali India Insurance
Known for smooth claim settlement and strong coverage for urban homeowners.
14. Liberty General Insurance
Offers home insurance policies covering fire, burglary, natural calamities, and valuable assets.
15. Cholamandalam MS General Insurance
Provides structured home insurance with simple policy terms and strong claim support.
16. Royal Sundaram General Insurance
Covers natural disasters, burglary, fire, and accidental damages with high claim approval rates.
17. Universal Sompo General Insurance
Offers comprehensive coverage for homeowners with competitive premiums and digital services.
18. Shriram General Insurance
Budget-friendly home insurance plans suitable for both urban and rural homeowners.
19. Aditya Birla Insurance Brokers
Provides customizable home insurance policies with wide coverage across India.
20. Acko General Insurance
A new-age digital insurer offering instant online home insurance with simple claim settlement.
How to Choose the Best Home Insurance in India?
- Compare premiums and coverage before buying.
- Check the claim settlement ratio of the insurer.
- Look for add-on covers like earthquake, terrorism, and valuables protection.
- Choose a company with a strong digital claim process.
Final Thoughts
Home insurance in India is no longer optional—it’s a necessity. With natural disasters and rising risks, protecting your home is the smartest investment in 2025. By comparing the Top 20 Home Insurance Companies in India, you can choose the best policy that fits your needs and budget.
FAQs
Q1. Which is the best home insurance company in India in 2025?
ICICI Lombard, HDFC ERGO, and SBI General are among the top choices due to their coverage, affordability, and easy claim settlement.
Q2. What is covered under home insurance in India?
It typically covers structure, home contents, fire, burglary, natural disasters, and accidental damage.
Q3. Is earthquake damage covered in Indian home insurance policies?
Yes, many insurers like Bajaj Allianz and Tata AIG offer earthquake add-on covers.
Q4. How much does home insurance cost in India?
Premiums start as low as ₹2 per day and vary depending on property size, location, and coverage.
Q5. Can tenants buy home insurance?
Yes, tenants can buy policies to cover home contents like furniture, appliances, and valuables.