Few things in life matter as much to you as your home. After all, its at the heart of your family, your possessions, your priceless investment and your memories.

Now with HDFC ERGO Home Insurance Policy, you can ensure for your home the trusted protection it deserves. Importantly, it is brought to you by HDFC, a name synonymous with “home” to millions across India, and ERGO, one of the world leaders in non-life insurance solutions. Read on to find out how you can benefit from affordable coverage for your property and possessions against almost any eventuality.

KEY FEATURES

Section I : Fire and Special Perils (a) Building (b) Contents

Covers Against

Fire/Lighting/Explosion/Implosion/Aircraft Damage/Riots, Strikes and Malicious Damage/Storm, Cyclone/Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation/Impact Damage/ Subsidence and Landside including Rockslide/Bursting and/or Overflowing of Water Tanks, Apparatus & Pipes/Missile Testing Operations/Leakage from Automatic Sprinkler Installations/Bush Fire/Earthquake, Volcanic Eruption & other Convulsions Of Nature.

Section II : Burglary and Housebreaking

Burglary cover for Contents cannot be opted for on a stand alone basis.

HOW MUCH TO INSURE

The sum insured for the structure of the house is based on the Reinstatement Value. Quite simply, it would be the reconstruction value for the structure is determined by the construction cost. This is however would not include the cost of the land. The reconstruction cost is based on two parameters which are mentioned below:

	Built– up area of the house (square feet)
	Cost of Construction in your area/locality

You would have to multiply the built up area of the house with the cost of construction to arrives at the reconstruction cost.

Reconstruction Cost = Built – up area of the house * Cost of construction in your area / locality

Contents / Valuables : The sum insured for contents / Valuables is based on the market value. Market Value would mean he current cost minus an allowance for depreciation, in the event of loss/damage. For jewelery, you would not have to deduct depreciation. Once you have decided the sum insured for the structure as well as contents simply choose the closet sum insured value and arrive at the premium.

WHO CAN APPLY FOR THE POLICY

This policy is designed for:

	Individuals residing in flats or independent houses provided that the external walls are of burnt
	bricks/ stone / concrete blocks and RCC / RBC / Tiles / ACC roof
	Home owners or tenants (can opt only for the contents cover for fire as well as burglary)

WHEN WILL THE POLICY NOT PAY

	Willful destruction of property
	Loss or damage caused by depreciation or wear and tear and consequential loss of any kind
	Loss or damage contributed to by nuclear weapons material ans/or lonizing radiations
	Loss or damage arising from any consequences of war, invasion, act of foreign enemy,
	hostilities etc.

(For a detailed list of exclusions, kindly refer our policy wording)

WHAT TO DO IN THE EVENT OF A CLAIM

In the event of any claim, call on our toll-free helpline 1800-2-700-700 to register the claim at the earliest with the details of the nature of loss, location of loss, amount of loss (approx. estimation) and policy number for reference

Once we receive full and final documentation, we would process the claim with prompt turn around times.

For details, kindly refer to Policy Wordings.

HDFC ERGO General Insurance Company Limited
6th Floor, Leela Business Park, Andheri-Kurla Road Andheri East, Mumbai 400 059.
Registered Office: Ramon House, H T Parekh Marg 169, Backbay Reclamation, Mumbai 400 020.
Toll-free No. 1800 2 700 700 Fax: 91-22-6638 3699
E-mail care@hdfcergo.com Website www.hdfcergo.com

Disclaimer: Please read the Terms & conditions before concluding the sale.Insurance is the subject matter of the solicitation.
IRDA Reg No. 125 Form No./UID No. 531.