Structure
Rebuilding cost of walls, floors, roof and permanent fixtures.
Home insurance
Years of building a home. Minutes to protect it.
Fire, natural calamities and burglary can undo years of work. Home insurance is among the cheapest policies you can buy relative to what it protects.
In plain English
Two things live under one roof
Structure cover protects the building and permanent fixtures. Contents cover protects belongings. Owners often need both; tenants usually need contents only.
Contents
Furniture, appliances and belongings, valued on the policy's basis.
Claim preparation
Inventory, ownership proof and surveyor coordination are where MITRA helps.
What it protects
Structure and contents are separate promises
Structure cover protects the building and permanent fixtures at their reconstruction basis. Contents cover protects movable belongings under the valuation and evidence rules in the policy.
| Structure cover | Contents cover | |
|---|---|---|
| Protects | Walls, roof, floors and permanent fixtures | Furniture, appliances and personal belongings |
| Usually needed by | Owners and some lenders | Owners and tenants |
| How to value | Reconstruction cost, not market price | Replacement or reinstatement basis stated in the policy |
| Claim evidence | Damage assessment and repair estimate | Inventory, ownership and loss evidence |
Coverage and exclusions
A sudden insured event, not the cost of maintaining a home
Common insured events
Fire, lightning, explosion and specified natural calamities can be covered subject to the chosen policy and extensions.
Burglary and theft
Contents protection may require the relevant extension, evidence of forcible entry and prompt official reporting.
What usually stays outside
Wear and tear, gradual damage, poor maintenance, pests, defective workmanship and pre-existing damage are commonly excluded.
High-value items
Jewellery, art, cash and portable valuables may need declaration, valuation, sub-limits or separate cover.
The advisor's checklist
Insure the rebuild, document the contents
- Use reconstruction cost for the structure, not the property's land or sale value
- Decide whether contents are covered on replacement, reinstatement or depreciated value
- Keep a room-by-room inventory with photographs and major purchase records
- Read burglary, valuables, temporary accommodation and debris-removal limits
- Check whether the society, lender or builder policy protects your actual interest
- Update the declared value after renovation or major purchases
- Know the duties to prevent further loss after an incident
Compare the structures
Owner, tenant and society cover solve different problems
| Homeowner | Tenant | Housing society | |
|---|---|---|---|
| Structure | Usually needed | Usually not the tenant's interest | May cover common or declared building areas |
| Contents | Usually useful | Often the main need | Does not normally protect each resident's belongings |
| Liability | Consider extensions | Consider tenant liability | Common-area exposure may differ |
| Main mistake | Insuring market value | Assuming the landlord covers belongings | Assuming the society policy covers every flat fully |
The claim
Secure people first, then preserve the scene
- 01
Prevent further loss
Take reasonable steps to make the property safe without destroying evidence of what happened.
- 02
Record the damage
Photograph and video affected rooms, items and the apparent cause before disposal or major repair.
- 03
Complete required reporting
Theft and certain events require prompt official records. Your expert confirms the exact route.
- 04
Prepare the inventory
List damaged items with ownership, age, value and repair or replacement evidence.
- 05
Coordinate the survey
We organise the file, respond to the surveyor and reconcile the final assessment against the policy.
An honest fit check
Who this is for - and who should skip it
It fits when
You own a home or valuable contents. You want protection against low-frequency, high-cost loss.
Consider another route when
You expect routine maintenance or wear and tear to be covered. You cannot document or reasonably value the contents you insure.
Claims, handled
A named human owns the process end to end
One person, one number, from the first call to the final settlement. You stay with your family; we carry the paperwork and follow-ups.
- 01
Call your claim expert
One call starts everything - no forms, helpline queue or ticket number.
- 02
We verify the cover
Eligibility, limits, waiting periods and the right claim route, explained plainly.
- 03
We build and submit the file
Forms are pre-filled, documents checked and insurer queries answered.
- 04
Settled, then explained
Every approval and deduction is broken down. We contest what is unsupported.
Why MITRA
Advice before you buy. A named expert when you claim.
We compare the clauses that decide what gets paid, explain the trade-offs before purchase, and stay accountable when the policy is tested.
Claim-time terms first
Waiting periods, room eligibility, co-pays, exclusions and definitions are reviewed before the premium.
A shortlist, not a catalogue
Recommendations are narrowed around fit, with the downside of each option stated clearly.
Support that continues
For eligible policies bought or ported through MITRA, a named expert coordinates the claim from first intimation to the final explanation.
Good questions
Questions, answered
Straight answers, in plain English.
Does home insurance cover the market value of my property?
Structure cover is generally based on reconstruction cost, not land value or the property's sale price. The policy schedule and valuation basis control.
Do tenants need home insurance?
Tenants usually do not insure the landlord's structure, but may need cover for their own contents and relevant liability.
Will the housing society policy cover my flat?
It may protect common areas or part of the building, but often does not fully protect improvements, contents or every resident's individual interest. Read both policies together.
How do I prove what contents I owned?
Keep a room-by-room inventory with photographs, serial numbers, major invoices, card statements or other reasonable evidence. Update it after large purchases.
What happens after a fire or burglary?
Make people and the property safe, preserve the scene where reasonable, complete required reporting, photograph damage and wait for survey guidance before disposing of important evidence.
Is MITRA's advice really free?
Yes - consultations and claims support are free for you. Like all insurance intermediaries, we earn a standard commission from insurers when a policy is issued. Our advisors are measured on fit and claim outcomes, not sales targets.
What does claims support include?
A dedicated claim expert prepares and verifies your documents, coordinates with the hospital, insurer or TPA, resolves queries, and explains the final settlement in plain language. It is included for policies bought or ported through MITRA.
Can MITRA guarantee that my claim will be paid?
No intermediary can decide or guarantee a claim outcome. The insurer decides based on policy wording and the facts of the claim. MITRA makes sure your file is complete, follows up, contests unsupported deductions and escalates when valid grounds exist.
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