Home Insurance Calculator

Protect your biggest asset from fire, earthquake, and burglary. Home insurance is surprisingly cheap—find out exactly how affordable it is.

Structure Details

Built-up Area (Sq Ft)

Construction Cost / Sq Ft (₹)

Cost to rebuild, not market value of property (excludes land cost).

Contents Details

Total Value of Home Contents (₹)

Combined value of electronics, furniture, appliances, and jewelry.

Estimated Annual Premium

₹2,655

Incl. 18% GST

Coverage Breakdown

Structure Cover: ₹20,00,000

Fire & allied perils (earthquake, flood)

Premium: ₹1,000

Contents Cover: ₹5,00,000

Burglary, fire, breakdown

Premium: ₹1,250

Add 18% GST

₹405

Did you know?

Many people think home insurance is expensive. In reality, you can insure a ₹50 Lakh property for less than the cost of a single dinner out.

Important: The insurance value is based on the cost of reconstruction (e.g., ₹2000-₹2500 per sq ft), NOT the market value of the property which includes the cost of the land. Fire doesn't burn the land!