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NRI Home Insurance


Home insurance is essential to safeguard your dream house from unforeseen disasters. It is the guarantee provided by the insurance company that combines insurance on the home, its content, structure etc that might happen due to natural as well as manmade calamities. NRIs wishing to invest in homes in India are eligible to avail of home insurance schemes offered by insurance companies. The policy for home insurance covers losses to structure and contents made by man made calamities or due to natural calamities. These include:

  • Earthquake
  • Explosion or implosion
  • Bursting/ overflowing of water tanks or pipes
  • Floods, hurricane, storm
  • Missile testing operations
  • Burglary
  • Lightning
  • Aircraft damage
  • Some insurance companies offer their policy for the damage caused to the structure and contents due to terrorism.

    Insurance companies insure the sum for the reconstruction value. Reconstruction value is the cost incurred to reconstruct the home if it is damaged. Sum insured is calculated by multiplying the built up area of the home with the construction rate per sq. feet, e.g. if the built up area of a house is 2000 sq. feet and the construction rate is Rs.1000 per sq. feet, the sum insured for the home structure is Rs. 20,00,000.

    *Disclaimer- Data provided above is strictly for informational purposes only. We do not make any claims on accuracy of information.


    It has been a wonderful experience in owning a commercial space at Gera's latest offering in Goa GERA GRAND.

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    My experience has been excellent. I have purchased an office in Gera’s Imperium 2 and a s..

    Having a commercial space in and around Panjim was our long desire and this could be possible with Gera’s.

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    My son Tattva had been enrolled in the intermediate level and has been coached by the Vishwanathan Anand Chess Academy coach . Tattva has made remarkable strides and will be on his way to get his FIDE rating in November. A lot of credit goes to the mentor for his unique way of handling his students. He has been very patient while working with Tattva on his areas of improvement. In addition before the tournament the coach had voluntarily added additional classes and doubled his efforts to get a better performance out of Tattva. He has shown complete ownership which is commendable. I hope he continues to develop more and more chess players in the coming days.