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  • SBI Home Insurance

    SBI Home Insurance
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    Buying a house and building a home out of it not just requires a huge amount of financial investment, but it also entails a high level of emotional involvement. As your house is one of your most valuable assets, it deserves the best possible protection and care from various unforeseen circumstances. It is really important to choose an all-encompassing home insurance policy for the same.

    Overview of SBI General Home Insurance

    A joint venture between the State Bank of India and Insurance Australia Group (IAG), SBI general has a widespread network and established presence in almost 14,000 Branches of State Bank of India. Currently, the organisation boasts of a branches across 56 Indian cities. SBI general serves three major customer segments; Corporate segment, Retail segment and SME segment. SBI General offers Motor, Health, Travel, Personal Accident & Home Insurance for individuals, amongst the many other products and services provided.

    SBI General understands how important your house is to you and as a proud owner of your dream home, you desire the best insurance cover for it. The comprehensive and innovative home insurance policy offered by the company makes it easier for you to protect your house. With SBI General's Long Term Home Insurance Policy, you can bask in the glory of the home you have just acquired and enjoy a stress-free stay.

    Features and Benefits

    • Provides in-built coverage against earthquakes
    • The policy tenure ranges from a minimum of 3 years to a maximum period of 30 years
    • Provides coverage against any loss or damage to your house as a result of manmade or natural calamities
    • By paying an additional amount on your policy, you can opt for coverage against loss/damage caused by terrorist activities
    • The rate of premium depends on the location and tenure of the home insurance policy

    Coverage Provided

    The policy provides coverage against the following –

    • Natural calamities like earthquake, tempest, storm, hurricane, flood, landslide etc.
    • Fire, lightening, inundation, explosion (excluding boilers and pressure vessels), etc.
    • Loss/damage caused due to man-made calamities like riots, strikes, malicious activities, etc.
    • With an additional payment, one can also opt for Terrorism Cover
    • Covers your house against impact damage, missile testing operations, bursting of water tanks, pipes and other apparatus

    Frequently Asked Questions (FAQs)

    1. What are the major exclusions under the SBI General Long Term Home Insurance policy?

      The major exclusions under this policy are as follows –

      • Theft occurred during/after operation of peril
      • Volcanoes or other natural convulsions
      • Burning of property by Public Authority
      • Mechanical and electrical breakdown
      • Acts of gross negligence
      • Forest Fire
      • Explosion of boilers, damage caused by centrifugal forces
      • Loss/damage of unspecified currency, documents, cheques, etc.
    2. What is the tenure range of SBI General Long Term HI policy?

      SBI General offers a wide range of tenure for its Long Term Home Insurance policy. It ranges from a minimum of 3 years to 30 years.

    3. Can I apply for SBI General Long Term Home Insurance policy, online?

      You can download the form for the same from SBI General’s official website. After filling the form duly, please submit it at the nearest SBI General branch.

    4. How do I avail the Terrorism Cover?

      By paying an extra amount, you can buy the Terrorism Cover for your home.

    5. What does the Terrorism Cover do?

      The Terrorism Cover protects your house against any loss/damage caused by terrorist activities. For further details on this, please contact the nearest SBI General branch.

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