Home Insurance Estimator
Estimate annual premium for home insurance in Pune. Structure cover + contents cover + optional add-ons.
Property Details
Approx rebuild cost: ₹2,500–4,500/sqft × carpet area. Not market value.
Include furniture, electronics, appliances, jewellery, valuables.
Enter property values to estimate annual home insurance premium.
Estimated Annual Premium
Premium Breakdown
What's Covered
- ✓ Fire, lightning, explosion, implosion
- ✓ Aircraft damage, riots, strike, malicious damage
- ✓ Storm, cyclone, typhoon, tempest, tornado, hurricane
- + Earthquake, flood, burglary — if add-ons selected
- ✗ Wear & tear, gradual deterioration, war, nuclear risks
Note: Actual premium varies by insurer (HDFC Ergo, New India, Bajaj Allianz, etc.), exact sum insured, and risk profile. For earthquake Zone III (Pune area), earthquake cover is strongly recommended. Compare on PolicyBazaar or Coverfox for best rates.
How to Calculate Right Sum Insured
Structure Cover
- •Use rebuild cost, NOT market value
- •Rebuild cost = ₹2,500–4,500/sqft × carpet area
- •A ₹1 Cr flat may need only ₹40–50L structure cover
- •Underinsure and claim gets proportionally reduced
Contents Cover
- •List all furniture, electronics, appliances
- •Add jewellery at declared value (separate rider)
- •Standard: ₹3–8L for average 2 BHK household
- •Keep receipts/photos for faster claim settlement