Kshema Home Insurance Policy
A Kshema product
The Kshema Home Insurance Policy is a comprehensive property insurance policy that protects your home building and its contents from losses due to unexpected events.
- Protect your Home Building / Flats & Home contents from Fire & Allied Perils.
- Available to house/flat owners & tenants.
Protect your home and home content from:
- Loss of Rent and Rent for Alternative Accommodation
- Option to include Valuable contents like Jwellery, Silverware,paintings,works of art,antique items, curios etc
Protect your home and home content from:
Fire
Subsidence & Landslide
Explosion/Implosion
Missile testing operations
Lightning
Earthquake
Riot & Strikes
Storm, Tsunami, Flood etc.
Theft (within 7 days) **
Impact damage
Acts of terrorism*
Bursting or overflowing
Bush Fire
Leakage from Automatic Sprinkler Installations
Frequently Asked Questions
Kshema Home insurance is a type of insurance policy that provides financial protection against damage to your home and belongings caused by specific risks, such as fire.
The owner/occupants of the property (dwelling and contents) with insurable interest can insure an asset.
Yes, you can opt for Add on as listed below
1. Lightning
2. Explosion/Implosion
3. Aircraft Damage
4. Riot, Strike, Malicious Damage
5. Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation
6. Impact Damage
7. Subsidence and Landslide including Rockslide
8. Bursting and/or overflowing of Water Tanks, Apparatus and Pipes
9. Missile testing operations
10. Leakage from Automatic Sprinkler Installations
11. Bush fire
12. Loss of Rent and Additional Expense of Rent for Alternative Accommodation
13. Valuables Contents
14. Earthquake
15. Costs for removal of debris
16. Professional fees
17. Burglary
Deducible is the part of the claim that is to be first paid by you, and we are liable to pay the remaining part of the claim.
If an accident occurs, you must promptly inform us by calling our 24-hour Customer Care on 1800 572 3013 or you can email us on customer.support@kshema.co, supply all required information and documentation, and adhere to the claims process detailed in your policy documents.
Kshema Home Insurance can be purchased for 1/5/10/15/20/25 years.
Based on the filled proposal form and information furnished, we will provide you with the premium quotation.
You can cancel the policy and take the premium back as per the policy wordings.
We have an option to cover the content of your home. You can opt for Home Content like Household appliances, jewellery , Furniture and Fixture, Personal items against fire and allied perils.
Yes, if you buy policy for more than 5 years , then we have the discounts as listed below.
| Policy Duration | Discount(%) |
| 5 to 10 years | 10% |
| 11 to 15 years | 20% |
| 16 to 20 years | 30% |
| 21 to 25 years | 35% |
No. Homes used for business purposes are not covered.
No, Free Look Period is not available under this policy.
No, Grace Perido is not available under this policy
Yes, Mid-term increase in sum insured shall be allowed on payment of additional premium on Pro Rata Basis.
You should immediately intimate the loss through the Kshema app or by email to customer.support@kshema.co.
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