Sofa Guide · Knowledge Centre
By Rohan Shah, SOISU Furniture · 30 May 2026
Direct Answer
Furniture insurance in India is available through home insurance policies. A standard home contents policy (available from HDFC ERGO, Bajaj Allianz, TATA AIG, and others) covers sofas against fire, flood, and theft. Accidental damage coverage (the most relevant protection for daily-use sofas) requires either a comprehensive policy or an add-on rider. Typical coverage: replacement or repair costs minus depreciation. For a Rs 3 lakh sofa after 5 years, a claim would typically receive 50-70% of replacement cost after depreciation deductions. Annual premium for furniture add-on coverage: Rs 2,000-5,000 depending on total furniture value. For premium furniture collections above Rs 10 lakh, dedicated home contents insurance with agreed-value clauses (no depreciation) is available from specialised insurers.
Comprehensive home insurance policies in India cover accidental damage to furniture including sofas. This is an essential consideration for Indian buyers. Conditions in India including seasonal humidity variation between 30-90% RH, temperatures from 10-45 degrees C, multi-generational household use, and proximity to Indian cooking all differ from European standards for which most premium furniture is originally designed.
Separate furniture insurance riders (Rs 2,000-5,000 per year) add accidental damage coverage beyond standard home contents policies. Practical application for Indian buyers: verify these points with your furniture supplier before purchase. Request supporting documentation, certifications, or material samples as appropriate. SOISU provides transparent material specifications on all products and welcomes comparison with any competing supplier.
SOISU furniture is designed for Indian conditions — Italian design discipline, built for how India lives. WhatsApp us during showroom hours and we reply within the hour.