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Tata AIG Instachoice Home Insurance

Buying a house not only entails building a home out of it, but also lets your build memories for life. Planning the architecture, interiors, and everything else about your own house is an experience to cherish. A perfect balance between financial investment and emotional involvement is required to attain the dream of building and protecting your house. Your home deserves maximum protection and care from various dangers, threats and unforeseen circumstances because your house is the most important and most expensive asset you own. For this purpose, it is crucial that you select an all-encompassing home insurance policy. Tata AIG offers home insurance policy for you to make sure that your house is covered against various kinds of mishaps.

Tata AIG is one of the leading, most trusted and popular names in the world of insurance. Evolving with the present era of technology and social media, Instachoice Home Insurance by Tata AIG, is a DIY insurance product which gives the freedom to customers to choose and customize their home insurance covers. They can design the insurance policy tailor-made to suit their individual needs.


  • Tata AIG Instachoice Home Insurance policy comes with a wide array of attractive and lucrative features, which makes it exceedingly popular amongst house owners.
  • The process to avail this insurance cover is very quick and hassle-free.
  • Minimum documentation process involved.
  • The policy also offers coverage from burglary of jewelry.
  • It is at the policyholder's discretion to decide the premium amount to be paid. This is also primarily dependent on the coverage amount he/she has chosen.
  • One of the most unique features of this policy is that it provides coverage against loss or damage of domestic appliances. These appliances can be as much as 8 years old. This unique feature of the policy makes it very popular not just among house owners, but also tenants.

What is covered under this policy?

  • In case insured house gets extremely damaged, and is not in a condition to be lived in due to damages caused by fire/allied perils, then additional rent required for the policyholder to stay in another house is covered. The maximum limit for the same is Rs. 30,000 for 3 months.
  • Protects the insured house structure, and the contents inside it from damages caused due to fire and natural calamities like flood, earthquakes, lightning, storms, cyclones, etc.
  • The policy protects your house against anti-social activities like terrorism, strikes and riots.
  • The policy provides coverage against any damage caused to your guests or third parties inside your house which is insured.
  • In case there is a burglary or theft in your house which results in the loss or damage of your household good (contents inside the house), the policy covers it. Please note that this coverage option can be availed only on first loss basis.
  • Any accidental loss/damage/theft of your personal baggage, while travelling, anywhere inside India, is covered. This is also valid while you are travelling outside municipal limits of city.
  • Breakdown of your domestic and electrical appliances (inside the insured home) due to mechanical and electrical faults is also covered under this policy.
  • The comprehensive cover also protects the audio and audio-visual appliances (inside your house) from loss and damages caused due to fire and allied perils, mechanical and electrical breakdown, burglary/theft, accident caused by external means, and legal liability.
  • The personal accident cover protects you and your family, and provides financial compensation in case of the insured’s death or permanent disablement caused due to accident, anywhere in the world.
  • If you have purchased any item, and it gets stole from the insured house within 30 days of purchase, then the policy provides coverage for the same.

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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Customer Reviews

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  • Tata AIG Home Insurance
    "Good for home protection"
    0.5 5.0/5 "Blown Away!"
    Tata Aig home insurance policy has the tenure of 15 years, when I took home loan from Axis they took around Rs. 25,000. Its covers rain, riots, terrorism, natural calamity, fire everything come under this, hence its a good protection for me.
    Was this review helpful? 2
    , bangalore
    Reviewed on May 13, 2019
  • Tata AIG
    Tata AIG Home Insurance
    "Good policy to hold"
    0.5 4.0/5 "Great!"
    I have another home insurance policy with TATA AIG GENERAL INSURANCE. The home insurance policy which I maintain with TATA AIG GENERAL INSURANCE is very good in servicing. This is a home insurance also a good policy to hold for our home for any claim purposes.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Nov 07, 2017
  • Tata AIG Home Insurance
    0.5 4.0/5 "Great!"
    I have the home insurance with the Tata Aig insurance company.I paid around one time payment of around 20000 Rupees.The payment has been done by the axis bank and thats been collected by myself with emi.From my point of view its really very secure.
    Was this review helpful? 5
    , mumbai
    Reviewed on Jun 29, 2015
  • Tata AIG Home Insurance
    0.5 3.0/5 "Satisfactory"
    I am having the housing insurance with Tata AIG Insurance company.I paid the premium around 15000Rs and I dint compare with anyone else.They are giving the good coverages .Its the mandatory one to took up the loan with Tata capital.I am good with their services.
    Was this review helpful? 7
    , mumbai
    Reviewed on Jun 16, 2015
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