What does home insurance cover?

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

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Documentation

Quick Summary: Home Insurance Calculator

For FY 2026-27, home insurance should be based on 'Reconstruction Cost' (materials + labor), which ranges from ₹3,500 - ₹5,500 per sq.ft in Indian metros. Land value should not be included as it is not an insurable risk.

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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.