What does home insurance cover?

It covers the structure (reconstruction cost) and contents (furniture, electronics) against fire, floods, earthquakes, and theft.

Is land value covered in home insurance?

No. Home insurance only covers the structure. Land value is permanent and does not need protection against fire or natural disasters.

What is Bharat Griha Raksha?

It is a standard home insurance policy introduced by IRDAI in 2021. It offers simplified terms and automatic 20% cover for home contents.

Home Insurance Calculator

Estimate the reconstruction cost of your home and audit your sum insured against inflation.

Quick Summary: Home Insurance Calculator

Home insurance should be based on the 'Reconstruction Cost' (materials + labor), not the market value. In 2026 metros, this ranges from ₹3,500 - ₹5,500 per sq.ft. Ensuring your sum insured matches this cost is vital to avoid 'under-insurance' penalties during claims.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.