Compare up to three home insurance quotes by what you would pay in a year with one storm or flood claim, counting premium, deductible and the sum insured limit.
Use this tool to compare home insurance quotes on the cost that matters after a storm, cyclone or flood, not only on the premium. Enter a realistic repair scenario, for example re-roofing part of a house after a cyclone or repairing walls after inundation, then the annual premium, the deductible (excess) per claim and the building sum insured for each quote.
How it works: for each quote, what you pay on the claim is the deductible plus any part of the loss above the sum insured. The total adds the annual premium. The quote with the lowest total in your scenario is highlighted.
Worked example (illustrative): with a ₹3,50,000 roof repair, Quote C has the lowest premium but a ₹3,00,000 sum insured, so the policy pays at most ₹3,00,000 and you pay the remaining ₹50,000 (the deductible is absorbed in that gap), a total of ₹52,600 with the premium. Quote A totals ₹14,200 and Quote B ₹11,100.
Limits: this ignores sub-limits, exclusions (for example gradual seepage, wear and tear or poor maintenance), depreciation on some items and how the sum insured was fixed. Home insurance premiums carry 18% GST; the 2025 exemption applied to individual life and health policies, not to home policies. Read the policy wording and see home insurance for storm and flood damage. All figures are illustrative, not quotes from any insurer.
Failures, Claims and Official Sources
What Indian home insurance usually covers for storm, cyclone, flood and inundation damage to roofs and walls, common exclusions, sum insured, GST and how to claim.
Failures, Claims and Official Sources
What to do when an Indian insurer rejects or cuts a storm or flood roof damage claim: reasons, written grievance, Bima Bharosa, Insurance Ombudsman up to ₹50 lakh, consumer forum.
