Home Insurance
Home Insurance Safeguarding your priceless property & possessions
  • - Covers building & contents
  • - Covers fire, burglary & theft
  • - Instant online policy

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    970 Ratings | 85 Reviews
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Home Insurance

Home is where the heart is, as rightly said. A home is the place of innumerable memories; no money is better spent than what is invested on your home. Thus safeguarding your home from unforeseen events becomes a priority and the best way can be securing with home insurance. An adequate and a comprehensive home insurance policy must be on top of your priority list. It is just not enough to have an insurance cover for your home but what matters is the right home insurance that covers all possible liabilities.

HDFC ERGO Home Insurance

HDFC ERGO Home Insurance policy provides an all encompassing protection for your home. Your home is your prized possession and it must be given the most trusted protection it deserves. A home Insurance from HDFC ERGO gives you the benefit of affordable coverage for your property and possessions against almost any eventuality. Get your home covered with HDFC ERGO Home Insurance and get yourself peace of mind.

Why HDFC ERGO Home Insurance?

  • A home insurance that adequately safeguards your priceless property and possession
  • A home insurance that protects both your home structure and the household contents
  • Low Cost Optional Cover for Burglary including Theft and Larceny
  • Avail upto 15% premium discount for Security Features

HDFC ERGO Home Insurance Plan

  • With HDFC ERGO Home Insurance Policy, you can choose to cover the structure of your home only or include the household contents as well in a single policy with minimum documentation
  • The policy covers:
  • Fire and Special Perils: Building(Section I) and Contents(Section IA) covers the structure of your home and contents against
    • Fire, Lightning, Explosion/Implosion, Aircraft Damage
    • Riot, Strike, Malicious and Terrorist Damages
    • Bursting and overflowing of water tanks, apparatus, pipes
    • Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation
    • Earthquake, Volcanic Eruption & other Convulsions of Nature
    • Impact damage by rail/road vehicle and animal
    • Subsidence and Landslide including Rockslide
    • Missile testing operations
    • Leakage from automatic sprinklers installations
    • Bush fire
    • The sum insured for the structure of the house is based on the Reinstatement Value. Quite simply, it would be the reconstruction cost of the house in the event of any loss/damage due to any of the insured events like Fire, Riots, Storm, Flood and so on.
    • The reconstruction value for the structure is determined by the construction cost. This, however, would not include the cost of land. The home insurance policy will calculate reconstruction cost based on two parameters which are mentioned below:
      • Built Up Area of the House (Square Feet)
      • Cost of Construction in your area / locality
  • Burglary and Housebreaking including Larceny and Theft (Section II) - Contents (as defined by Indian Penal Code)
  • You can also insure the contents of your home against loss due to burglary and /or Housebreaking  or any attempted burglary. Jewellery kept in Locked Safe within the Home premises can also be covered.
  • Sum Insured for Contents under Section I A Fire & Special Perils and Section II burglary & Theft should be the same.
  • The Sum Insured for Contents / Valuadles is based on the market value.
  • HDFC ERGO Home Insurance enables you to cover a host of household items like Electronic Equipments, Furniture & Furnishings, Jewellery, Clothes and so on.

HDFC ERGO Home Insurance Exclusion Policy

  • Willful destruction of property
  •  Loss or damage caused by depreciation or wear and tear and Consequential loss of any kind
  •  Loss or damage, directly or indirectly, caused by or arising from or in consequence of or contributed to by Nuclear weapons material and / or Ionizing radiations
  • Loss or damage, whether direct or indirect occasioned by the happening through or arising from any consequences of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection military or usurped power or civil commotion or loot or pillage in connection therewith
  • *Please note these are illustrative exclusions. For a detailed list, kindly refer the policy wordings.
  • *This content is descriptive only. Actual coverage is subject to language policy issued.


  • What will be the start date of my insurance policy?
    Your insurance cover starts from the commencement date indicated by you in the proposal form or receipt of premium by us, whichever is later.
  • What is the premium charged for fire and special peril cover and burglary and theft cover?
    Rs. 70 per lac for fire & special peril and Rs. 240 per lac for burglary & theft.
  • How do we do the property valuation for home insurance?
    Property valuation is done by multiplying the built up area of the property with the cost of construction per square feet. Currently the cost of construction is taken as 700 /800 depending on the location of the property. This multiplier is arrived at by the experts in the field after conducting a market survey.
  • If I have a home insurance policy with two different companies will I be benefited from both?
    If you have a policy with two insurance companies, at the time of a claim both the insurance companies will pay on proportionate basis.
  • Can an entire society or building be covered under your home insurance policy?
    Yes, an entire society can be covered. However, if the contents are to be covered a separate policy will have to be bought from us.
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Home Insurance 4 970 | 85 Reviews

Customer Review Summary

Average Rating :    4
(Based on 970 ratings )
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Customers Reviews

Sandeep Srichandan
20 Jun 2014,  
Excillent and easy to use
Dipankar Mukherjee
17 Jun 2014,  
easy and non cumbersome.
Raju Francis Dodti
30 May 2014,  
Good and simple process.
26 May 2014,  
Very satisfactory and informative. Thanks
Rajesh Vakil
28 Feb 2014,  
pretty good - no hassles. Hope the policy covers what it claims to do...
08 Feb 2014,  
Vikram Agarwal
02 Feb 2014,  
Easy, straightforward to buy online
27 Jan 2014,  
Convenient, fast and no hidden costs
20 Jan 2014,  
Karthikeyan Radhakrishnan
02 Jan 2014,  
In case if I have existing home insurance policy, please provide options to include the other coverage options such as burgulary etc.