SBI General Home Insurance provides is a comprehensive offering that protects your home and its contents against unexpected and unfortunate events. It typically covers losses arising from natural disasters like fire, earthquake, floods, and storms, as well as man-made incidents such as theft, or burglary. Home insurance, depending on your chosen plan, can safeguard not only your house’s structure but also its contents, such as furniture, appliances, and other valuable possessions. This article explains the complete process to claim SBI General Home Insurance.
What does SBI General Home Insurance cover?
- If your house is damaged due to natural disasters such as earthquakes, cyclones, floods, storms, etc., home insurance can be claimed.
- Home insurance can be claimed if there are losses due to fire, lightning strikes, or explosions.
- You can claim insurance, if your home is damaged due to bursting and/or overflowing of water tanks, apparatus and pipes.
- If damage is due to impact of, or collision caused by, any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.)
- You can be compensated if damage is due to riot, malicious damage and terrorism.
- If damage is due to bursting or overflowing of water tanks, apparatus and pipes or Leakage from automatic sprinkler installations.
Documents Required to claim SBI General Home Insurance
- Claim Form (duly filled)
- Policy document
- Police FIR (for burglary claims) and police investigation report
- Fire brigade report (if applicable)
- Proof of house ownership or rent agreement (for tenants)
- Policyholder contact details
- Loss details
- Valuation reports
- Bills and invoices
- Repair estimates
- Proof of Rent (alternate accommodation)
- Legal documents (if any)
Step by Step Process to claim SBI General Home Insurance
Step 1: Intimate the Claim-
To start the claim process, you should notify SBI General immediately after the incident-
To notify call the SBI General customer care number at 1800 102 1111, and once you provide essential details like policy number, date and time of the incident, and a brief description of the damage or loss a surveyor will be appointed to estimate the loss or damage, based on the type of loss viz. fire / burglary etc.
You can notify SBI general by emailing them at [email protected]
Visit the “Claim Intimation” section on the SBI General Insurance website and fill out the form (https://www.sbigeneral.in/claim ).
Step 2: Register the claim and Survey Inspection-
Once you provide essential details like policy number, date and time of the incident and a brief description of the damage or loss and then a surveyor will be appointed in 48 hrs to estimate the loss or damage, based on the type of loss via fire / burglary etc.
Step 3: Submit required documents-
Fill the claim form and submit following documents–
Claim Form (duly filled)
Policy document
Police FIR (for burglary claims) and police investigation report
Fire brigade report (if applicable)
Proof of house ownership or rent agreement (for tenants)
Policyholder contact details
Step 4: Assessment:
The surveyor evaluates the extent of the damage and submits a report to SBI General. The insurer then assesses the claim based on the policy coverage and documents provided.
Step 5: Offer for Settlement:
After assessment, SBI General shares an offer of settlement with you. If you agree to the proposed claim amount, you need to give your consent to proceed further.
Step 6: Payment to Insured:
After you give consent, the approved claim amount is released directly to your registered bank account, completing the claim process.
Common Reasons for Rejection of SBI General Home Insurance
- Delay in filing-
You need to file your claim within the specified time limit. If you report it late or miss the deadline, the insurance company may take longer to process your claim or could even reject it.
- Policy Lapse-
If your policy is lapsed due to non-payment of premium, the insurer is not liable to pay for the damage.
- Incomplete documents-
Your home insurance claim can be rejected due incompletion of documentation such as missing FIR, fire brigade report, bills, photographs, or repair estimates.
- Excluded Damages–
Your claim may be rejected if the loss or damage arises from situations or causes that are specifically excluded from the policy.
- Incorrect information-
The insurance company will send a surveyor to check the damage. They may also ask questions to people who were around during the incident. If the surveyor finds any false information or inconsistencies in your statement, your claim can be rejected.
Tips to Ensure Smooth Claim of SBI General Home Insurance
- Notify the Insurer Immediately-
Inform SBI General Insurance about the loss or damage without delay. Quick intimation ensures the claim is registered on time and speeds up the process.
Example: If a fire damages your living room, call the insurer’s helpline the same day instead of waiting for a few days.
- Keep Documents Ready-
Have all necessary documents such as the policy copy, claim form, bills, and evidence of loss prepared. This avoids repeated follow-ups and faster claims settlement.
Example: After water damage, keep repair bills and photos ready before submitting the claim.
- Assist During Surveyor Inspection-
When a surveyor visits, cooperate fully by showing the affected property and providing clear details. This ensures accurate evaluation of the loss.
Example: If your roof is damaged due to a storm, guide the surveyor to the exact spots and share repair estimates.
- Take Preventive Measures-
After the incident, take reasonable steps to minimize further damage to the property. Insurers expect you to safeguard the insured asset after an event.
Example: If a window breaks during a cyclone, cover it temporarily to prevent rainwater from entering and causing extra damage.
- Renew Your Policy On Time-
Always renew your home insurance before it expires as an active policy ensures continuous protection of your house.
Example: If your roof leaks during the rainy season and your policy has expired, the damage won’t be covered.
FAQ’s about SBI General Home Insurance
1. What is SBI General Home Insurance, in simple words?
It’s basically a safety net for your house. If something unexpected happens—like fire, floods, or theft—this policy helps you handle the money part instead of stressing alone.
2. What does this insurance actually protect?
It can protect your home structure and also the things inside your house, like furniture, electronics, and valuables. You choose what you want covered.
3. Will it help during natural disasters?
Yes. Situations like earthquakes, floods, storms, or cyclones are covered, as long as they’re mentioned in your policy.
4. What if there’s a fire or an accident at home?
Damage due to fire, lightning, or explosions is covered, so you don’t have to bear the full repair cost yourself.
5. Does it cover theft or burglary?
Yes. If someone breaks in and steals your belongings, the policy helps cover that loss.
6. I live in a rented house, can I still take this policy?
Yes. Even tenants can insure their household items and valuables, even if the house itself isn’t owned by them.
7. Do I have to insure both the house and the contents?
Not necessarily. You can insure just the building, just the contents, or both—whatever makes sense for you.
8. How is the premium decided?
It depends on things like the value of your home, what you choose to insure, and where your house is located.
9. What should I do if something goes wrong at home?
First, make sure everyone is safe. Then inform SBI General Insurance, take photos of the damage, and keep any related bills or proofs.
10. How do I raise a claim?
You can do it online, through customer care, or with help from your agent. The process is straightforward if documents are ready.
11. What documents are usually needed for a claim?
Your policy details, a filled claim form, photos or videos of damage, bills if available, and an FIR in case of theft.
12. How long does claim settlement take?
Once everything is submitted properly and verified, claims are usually settled without unnecessary delays.
13. Are there things this insurance won’t cover?
Yes. Normal wear and tear, intentional damage, or losses not mentioned in the policy are usually excluded.
14. Can I renew this policy easily?
Yes. You can renew it online before it expires so your home stays protected without a break.
15. Why do people choose SBI General Home Insurance?
Because it gives peace of mind. When something goes wrong, you don’t have to worry about sudden expenses on your own.
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