Buying property is one of the biggest financial achievements in life. But with every property comes responsibility — the responsibility to protect it.
Whether you are purchasing a home, a commercial asset, or taking a long-term loan, the right insurance ensures stability, security, and peace of mind. Today, insurance is no longer optional — it is a strategic necessity that protects your family, your investment, and your financial future.
Insurance plays a crucial role in risk management for homeowners, real estate investors, and commercial property buyers. It protects you from:
A well-planned insurance strategy ensures that your property remains protected — no matter how unpredictable the situation.
Home insurance offers comprehensive protection for both the structure and contents of your home.
Well-suited for: Apartment owners, villa owners, landlords & rental property investors.
A more comprehensive version of home insurance, Householders Insurance protects:
This policy provides all-in-one protection for families and homeowners who want complete financial security in case of unexpected loss or damage.
Mortgage insurance repays the outstanding home loan in case of the borrower's death or disability.
Well-suited for: Anyone taking a long-term home or commercial loan.
Term insurance offers high, affordable coverage — essential for borrowers with EMIs.
Banks strongly recommend pairing home loans with term protection.
Commercial insurance protects offices, shops, retail stores, factories, and warehouses.
Well-suited for: Investors, business owners, startups, warehouse operators & manufacturers.
An essential cover for shop owners — this insurance protects:
Well-suited for: restaurants, boutiques, provision stores, hardware shops, pharmacies, and retail outlets.
Essential for landlords renting out properties.
Health expenses can significantly impact loan repayment and financial planning. A Family Mediclaim policy protects:
Well-suited for: Every family, especially those with home loans or dependents.
Insurance transforms property into a secure, low-risk investment.
India's insurance industry continues to grow across:
These highlight India's increasing protection needs and financial maturity.
India's insurance market is supported by trusted providers, including:
Oriental Insurance is one of India's oldest and most reliable general insurers, offering strong policies in:
Its addition strengthens the list of trusted insurers available to property buyers and business owners.
Before selecting a plan, consider:
Propwealth emphasizes insurance because it:
"Buying a property without insurance is like driving without a seatbelt"
| Insurance Company | Category | Schemes / Plans |
|---|---|---|
| LIC of India | Popular Life & Investment Plans |
• LIC Jeevan Anand • LIC New Endowment Plan • LIC Jeevan Labh • LIC New Children's Money Back Plan • LIC Jeevan Lakshya • LIC Jeevan Amar (Term Plan) • LIC Tech Term Plan • LIC Jeevan Umang • LIC Saral Jeevan Bima |
| LIC of India | Health & Riders |
• LIC Arogya Rakshak • LIC Cancer Cover Plan |
| HDFC Life | Term & Protection Plans |
• HDFC Life Click 2 Protect Super • HDFC Life Click 2 Protect Elite |
| HDFC Life | Savings & Investment Plans |
• HDFC Sanchay Plus • HDFC Life Sanchay Par Advantage • HDFC Life Guaranteed Pension Plan |
| HDFC Life | ULIPs |
• HDFC Life Click 2 Wealth • HDFC Life ProGrowth Plus |
| HDFC Life | Retirement Plans |
• HDFC Life Annuity Plan • HDFC Life Pension Guaranteed Plan |
| ICICI Prudential Life Insurance | Term Insurance | • ICICI Pru iProtect Smart |
| ICICI Prudential Life Insurance | Savings & Guaranteed Plans |
• ICICI Pru Guaranteed Income for Tomorrow (GIFT) • ICICI Pru Savings Suraksha |
| ICICI Prudential Life Insurance | ULIPs |
• ICICI Pru Signature • ICICI Pru Wealth |
| ICICI Prudential Life Insurance | Retirement Plans | • ICICI Pru Easy Retirement |
| SBI Life | Protection Plans |
• SBI Life eShield Next • SBI Life Poorna Suraksha |
| SBI Life | Savings Plans |
• SBI Life Smart Platina Plus • SBI Life Smart Swadhan Plus |
| SBI Life | ULIPs |
• SBI Life Smart Wealth Builder • SBI Life Smart Power |
| SBI Life | Child Plans | • SBI Life Smart Champ |
| Tata AIA Life Insurance | Term Plans |
• Tata AIA Sampoorna Raksha Supreme • Tata AIA Saral Jeevan Bima |
| Tata AIA Life Insurance | Savings Plans |
• Tata AIA Fortune Guarantee Plus • Tata AIA Guaranteed Return Insurance Plan (GRIP) |
| Tata AIA Life Insurance | ULIPs |
• Tata AIA Fortune Pro • Tata AIA Wealth Pro |
| Bajaj Allianz Life Insurance | Term Plans | • Bajaj Allianz Smart Protect Goal |
| Bajaj Allianz Life Insurance | Savings & Guaranteed Plans |
• Bajaj Allianz Guaranteed Life Goal • Bajaj Allianz POS Goal Suraksha |
| Bajaj Allianz Life Insurance | ULIPs |
• Bajaj Allianz Life Goal Assure • Bajaj Allianz Life Wealth Gain |
| Bajaj Allianz Life Insurance | Retirement Plans | • Bajaj Allianz Life LongLife Goal |
| Max Life Insurance | Protection Plans | • Max Life Smart Secure Plus Plan |
| Max Life Insurance | Savings & Guaranteed Income Plans |
• Max Life Smart Wealth Plan • Max Life Guaranteed Income Plan |
| Max Life Insurance | ULIPs |
• Max Life Online Savings Plan • Max Life Flexi Wealth Plan |
| Max Life Insurance | Retirement Plans | • Max Life Forever Young Pension Plan |
| Star Health Insurance | Health Insurance Plans |
• Star Comprehensive Health Insurance • Family Health Optima • Star Health Young Star Plan • Star MediClassic Insurance • Star Senior Citizens Red Carpet |
| Star Health Insurance | Disease-Specific Plans |
• Star Cancer Care Gold • Star Diabetes Safe Plan |
| HDFC ERGO (General Insurance) | Health Plans |
• HDFC ERGO Optima Secure • HDFC ERGO Optima Restore |
| HDFC ERGO (General Insurance) | Motor Insurance |
• Comprehensive Car Insurance • Two-Wheeler Insurance |
| HDFC ERGO (General Insurance) | Home & Asset Protection | • Home Shield Insurance |
| HDFC ERGO (General Insurance) | Travel Insurance | • Explore Travel Insurance Plan |
| ICICI Lombard (General Insurance) | Health Insurance |
• ICICI Lombard Complete Health Insurance • Health Booster |
| ICICI Lombard (General Insurance) | Motor Insurance | • Private Car Package Policy |
| ICICI Lombard (General Insurance) | Travel Insurance | • Travel Insurance Complete |
| ICICI Lombard (General Insurance) | Home Insurance | • ICICI Lombard Home Insurance |
| Reliance General Insurance | Health Plans |
• Reliance Health Gain • Reliance Health Infinity |
| Reliance General Insurance | Motor Insurance |
• Reliance Private Car Insurance • Two-Wheeler Insurance |
| Reliance General Insurance | Travel & Home Insurance |
• Reliance Travel Care Policy • Reliance Home Protect |
| New India Assurance | Health Insurance |
• New India Mediclaim Policy • Senior Citizen Mediclaim |
| New India Assurance | Motor Insurance | • Private Car Package Policy |
| New India Assurance | Home Insurance | • New India Griha Suvidha Policy |
| New India Assurance | Business & Industrial Insurance |
• Fire & Burglary Insurance • Marine Cargo Insurance |
| Sr. No. | Plan No. | Plan Name |
|---|---|---|
| 1 | 714 | New Endowment |
| 2 | 715 | New Jeevan Anand |
| 3 | 717 | Single Premium Endowment |
| 4 | 720 | Money Back (20 Years) |
| 5 | 721 | Money Back (25 Years) |
| 6 | 732 | Child Money Back |
| 7 | 733 | Jeevan Lakshya |
| 8 | 734 | Jeevan Tarun |
| 9 | 735 | Endowment Plus |
| 10 | 736 | Jeevan Labh |
| 11 | 745 | Jeevan Umang |
| 12 | 748 | Bima Shree |
| 13 | 749 | Nivesh Plus |
| 14 | 751 | Micro Bachat |
| 15 | 752 | SIIP |
| 16 | 758 | New Jeevan Shanti |
| 17 | 760 | Bima Jyoti |
| 18 | 764 | Bima Ratna |
| 19 | 768 | Jeevan Azad |
| 20 | 771 | Jeevan Utsav |
| 21 | 774 | Amritbaal |
| 22 | 857 | Jeevan Akshay – VII |
| 23 | 859 | Saral Jeevan Bima |
| 24 | 862 | Saral Pension |
| 25 | 867 | New Pension Plus |
| 26 | 873 | Index Plus |
| 27 | 875 | Yuva Term |
| 28 | 877 | Yuva Credit Life |
| 29 | 879 | Smart Pension |
| 30 | 911 | Nav Jeevan Shree (Single) |
| 31 | 912 | Nav Jeevan Shree (Limited) |
| 32 | 955 | New Jeevan Amar |
Ensuring the loan is repaid even if the borrower passes away or cannot pay due to disability.
| Plan | Purpose |
|---|---|
| Yuva Credit Life (877) | Covers outstanding loan amount; Well-suited for EMIs repayment protection |
| New Jeevan Amar (955) | Term plan with high coverage to match loan exposure |
| Saral Jeevan Bima (859) | Simple, standardized term plan with pure life cover |
| Yuva Term (875) | Affordable term protection for young borrowers |
Securing family income and future goals (living expenses, children's plans) if principal earner is lost.
| Plan | Purpose |
|---|---|
| New Jeevan Anand (715) | Endowment + life cover; family gets maturity value + risk cover |
| Jeevan Labh (736) | Endowment with limited premium & loyalty additions |
| Jeevan Umang (745) | Lifetime cover with survival benefits |
| Bima Shree (748), Bima Jyoti (760) | Savings oriented plans with guaranteed benefits |
Grow funds for future expenses (child education, retirement) without sacrificing loan security.
| Plan | Purpose |
|---|---|
| SIIP (752), Index Plus (873) | ULIP-based — market linked growth potential |
| Nivesh Plus (749) | Investment focused single premium ULIP |
| Nav Jeevan Shree (911/912) | Guaranteed returns with structured payouts |
Generate regular income in retirement, protected by insurance.
| Plan | Purpose |
|---|---|
| Jeevan Akshay – VII (857) | Immediate annuity — periodic income after retirement |
| New Jeevan Shanti (758) | Deferred annuity — builds pension over time |
| Smart Pension (879) | Pension-focused plan with structured benefits |
| Saral Pension (862) | Standard immediate pension plan |
Health emergencies can affect ability to service home loans — making health cover essential.
Family Health / Mediclaim (e.g., Star Health)
Insurance is a powerful tool that protects your property, your finances, and your family's future. For every homebuyer, investor, or business owner, insurance ensures long-term stability and peace of mind.
A well-protected property is the strongest foundation for lifelong wealth — and Propwealth helps you get there confidently.
— Propwealth