अपने घर का बीमा कराएँ
Insure your village home.
For the 30 crore homes that never had a title to insure against — until now.
Pre-SVAMITVA, rural homes were essentially uninsurable. Insurers want proof of ownership and a clear address; village houses had neither. With your Gharauni card, you can now get home insurance covering fire, flood, storm damage, and theft. Premiums start from ₹1,200/year for a typical 200-sq-yd house. We compare 6 insurers and find the cheapest cover for your district.
Rural homes were uninsurableगाँव के घर बीमे से बाहर
Insurance companies require proof of ownership and a defined address. Pre-SVAMITVA, most village homes had neither — the land was technically "Abadi" (un-titled residential commons) and addresses were oral. Result: when a flood, fire, or storm hit, families had no claim against any insurer. Recovery happened through informal lending or, increasingly, never at all.
Gharauni unlocks home insuranceघरौनी से बीमा हो सकता है
The 13-digit Gharauni ID gives insurers everything they need: confirmed ownership, defined location with GPS, and a verifiable parcel. We work with HDFC ERGO, ICICI Lombard, Bajaj Allianz, SBI General, New India Assurance, and United India — 6 insurers competing for your premium. Most policies start under ₹100/month for fire+flood+storm cover up to ₹5L.
Result: Your home is finally protected against disasters that used to mean permanent financial loss.
What's covered
Fire and explosionआग और विस्फोट
Damage from fire, electrical shorts, gas cylinder explosions, and lightning. Includes contents (furniture, electronics) where opted.
Flood and stormबाढ़ और तूफ़ान
Floods (rivers, monsoon), cyclones, hailstorms, and lightning damage. Critical in flood-prone UP, Bihar, AP, and coastal states.
Theft and burglaryचोरी और डकैती
Loss of contents from break-in or theft. Police FIR required for claim. Add-on covers extends to outbuildings and animal sheds.
How to get insured
Share Gharauni + property details
Card ID, construction type (pucca/kachha/mixed), area, year built. 2 minutes online or via WhatsApp.
Compare 6 insurers
We pull quotes from HDFC ERGO, ICICI Lombard, Bajaj Allianz, SBI General, New India Assurance, United India. Side-by-side coverage and premiums.
Pay premium, policy issued
UPI or card. Policy document by email + WhatsApp within 24 hours. Cover starts immediately.
Frequently Asked Questions · अक्सर पूछे जाने वाले सवाल
What does a typical premium cost?प्रीमियम कितना होगा?
What does a typical premium cost?प्रीमियम कितना होगा?
For a 200-sq-yd pucca house with ₹5L sum insured (building+contents): roughly ₹1,200-1,800/year. Kachha houses cost less but cover is also more limited. Flood-prone districts have a 15-30% surcharge.
What's NOT covered?क्या क्या cover नहीं है?
What's NOT covered?क्या क्या cover नहीं है?
Standard exclusions: war, riots (in some policies), wear-and-tear, intentional damage, agricultural land/crops (those need crop insurance), and damage to non-permanent structures like temporary sheds without optional add-on. We list exact exclusions per insurer on the quotes page.
How fast are claims paid?क्लेम कितनी देर में मिलता है?
How fast are claims paid?क्लेम कितनी देर में मिलता है?
After a verified incident: 15-30 days for straightforward claims under ₹1 lakh. Larger or complex claims take 45-60 days. Sub-claim emergency advances (up to 25% of claim) typically released in 7 days.
Can I insure a kachha (mud/thatch) house?क्या कच्चे घर का बीमा होगा?
Can I insure a kachha (mud/thatch) house?क्या कच्चे घर का बीमा होगा?
Yes, but with limited cover. Pure kachha houses can be insured for fire + theft, but flood cover is usually unavailable. Mixed (pucca walls + thatched roof) houses get broader cover.
Do you charge a fee?आप शुल्क लेते हैं?
Do you charge a fee?आप शुल्क लेते हैं?
Zero. We earn a small commission from the insurer when you buy through us — it doesn't increase your premium. Comparison and quotes are 100% free.
One flood. One fire. One total loss.एक हादसा — सब कुछ बचाने का जरिया।
A ₹100/month policy can mean the difference between recovering in 30 days vs 30 years.
Get quotes for your home →