Various individuals have various needs and insurance companies have accordingly designed insurance policies to cater to their needs. These insurance policies help an individual protect his/her home from natural calamities, such as earthquakes, floods, lightning, storms, typhoons, etc., and man-made threats such as theft, riots, vandalism, strikes, etc.

Some of the most popular types of home insurance policies in India are:

- Standard Fire and Special Perils Policy: This policy provides cover against special perils and fire outbreaks.

- Home structure or building insurance: This insurance covers the physical structure of your house from any kinds of risks.

- Liability coverage: This insurance protects you from the threat of any lawsuits if any guest or third party gets injured while in your house.

- Burglary and theft insurance: As its name states, this insurance policy gives you cover in case of a burglary or theft at the insured house.

- Contents insurance: This insurance covers the contents that are inside your house from damages and loss owing to theft, fire, flood and other such mishaps.

- Tenant’s insurance: A must for every tenant, tenant insurance helps a tenant protect his/her contents in the house.

- Landlord’s insurance: A landlords’ insurance policy is ideal for a landlord as it covers loss of rent as well as public liability for any damage caused under his/her rented house.