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Tata AIG Home Insurance Standard Fire and Special Perils Cover

An all-encompassing home insurance policy is an essential house owner. A lot of emotional and financial effort goes into building/buying a house. It is but natural that any house owner would want to ensure utmost protection to shield his most treasured asset from every possible threats, risks and dangers that his house is vulnerable to. Tata AIG is one of the leading, most trusted and popular names in the world of insurance. The company offers home insurance policies for customers to choose from. The policies have been especially designed to ensure that home insurance is easily accessible to everyone, apart from suiting their individual needs. The primary purpose of Tata AIG Home Insurance policy is to protect your house from loss and damages caused due to any mishap, dangers and unforeseen circumstances. The policy offers Standard Fire and Special Perils cover which provides coverage against certain special perils and fire. This coverage can be bought by house owners (for their own house) and also by tenants residing in a rented house.


Standard Fire and Perils covers your house from the following dangers –

  • Lightening
  • Fire
  • Explosion/Implosion
  • Strikes, riots, damage caused with malicious intent
  • Aircraft Damage
  • Damage caused by direct contact of rail/road, vehicle. Damage caused to the insured house with your own vehicle is not included in this cover.
  • Landslide and subsidence including rockslide
  • Damage caused due to bursting or/and overflowing of water tanks, pipes and apparatus0
  • Missile testing operations
  • Bush fire, forest fire
  • Damage caused due to leakage from automatic sprinkler installations
  • Inundation, flood, storm, etc.
  • Volcanic eruptions and earthquakes

The sum insured, for this policy, is calculated as Building - Cost of reconstruction (exclusive of land value). Please note, that the building value needs to be equivalent to the current rates of cost of reconstruction. The contents of the house, on the other hand, should be insured for their market value.

To get more details about buying this cover, you can visit the nearest Tata AIG branch, or have Tata AIG officials contact you to guide you through the entire process of buying the right home insurance policy to provide maximum protection to your house.

Claim Process

For the enhanced convenience of customers, Tata AIG has an extremely smooth, quick, cost-effective and simple process for filing insurance claims. You can register a claim by using the following modes of communication –

  • SMS
  • Calling up Tata AIG toll free helpline number
  • Notifying Tata AIG via email about the claim.

Remember to furnish your claim with the correct insurance policy number, date and time of the damage/mishap occurred and contact details of any person present during at the venue of the mishap during its occurrence.

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