Home means a world to us, it is the epitome of our desires and emotions. Many of us invest the savings of lifetime to get a home for ourselves. We need to make sure that it is safe... Home insurance covers the structure of house and the contents which include prized possessions against damage from natural calamities like floods, earthquake, storm and manmade events like riots, arson etc.
Complete coverage for any damage to your home or it's contents from natural calamities and man made events
Complete peice of mind in midst of environmental issues or social unrest
Theft or burglary of property and valuables at the insured premises if the homeowner is away
Valuable articles cover for silverware, jewelry, art, antiques and costly electronic gadgets, computers are covered
Benefits like round the clock customerservice, immediate access to the insurance experts and quick customer service
Worried your home insurance will go waste? Our home insurance plans provide the flexibility to choose an insurance tenure depending on your requirements. Home insurance solutions start from 1 year and goes upto 5 years.
Double treat!!! Protection at lower cost… With HDFC ERGO renter’s home insurance, you get numerous discounts – security discount, salaried discount, intercom discount, long-term discount, etc.
Things you own aren’t just material property. They carry memories and irreplaceable sentimental value. HDFC ERGO home insurance plans give you the option to cover all your possessions ( upto Rs. 25 lakhs) without sharing any specified list of home belongings.
Ever wondered what life would like without your electronic gadgets? We wouldn’t want you to go down that lane. Whether it is your laptop with decades of memories and valuable information or any other electronic equipment.
Your home is a literal brick-and-mortar manifestation of your dreams. Our home insurance solutions protect your dreams against any damage due to fire.
It’s distressing to even think about your house getting broken into. Stay peaceful with our home insurance solutions by insuring your possessions against theft/burglary.
Breakdown of appliances can disrupt everyday life and come at a cost. Insure them under our home insurance to avoid sudden expenses.
Don’t get bogged down by the losses due to natural calamities… get your losses covered with home insurance.
Troubled times can affect your home as well as your peace of mind. Keep it secure with our home insurance solutions against strikes, riots, terrorism, and malicious acts.
Just spent a fortune on fixtures and sanitary fittings? Stay worry-free by securing them against accidental damage with our home insurance plans.
Get shifting expenses, rent for alternative/hotel accommodation, emergency purchases, and brokerage in case.
Loss and/ or damages arising out of situations such as war, invasion, act of foreign enemy, hostile are not covered.
Loss of bullions, stamps, work of art, coins etc. will not be covered
We understand that all your precious possessions hold emotional value but anything that’s over 10 years old will not be covered.
Consequential losses are losses that are not the natural result of the breach in the usual course of things, such losses remains uncovered.
We ensure that your unforeseen losses are covered, however if there's any case of willfully done damage to your property, that remains completely out of the coverage scope of policy.
Any damage caused to your property due to third party construction is not covered.
Your home insurance does not cover usual wear and tear or maintenance/renovation.
This policy shall not cover the cost of land.
Home insurance cover is for your home where you reside any under construction property will not be covered.
Portable Electronic Equipment Cover
This cover gives you coverage for all portable electronics such as laptop, camera, binoculars, musical equipments; sports gear any other specified item of portable nature. This policy does not cover equipments that are over 10 years old.
Jewellery & Valuables
Jewellery and valuables refer to ornaments or articles made of gold or silver or any precious metal including diamonds as well as sculptures and watches. This add on cover can be opted for maximum upto 20% of your Home Content (Belongings) sum insured. The loss of your jewellery & valuable would be covered on the basis of the prevailing market value.
Under this we cover any damage to the static exercise cycle as well as your pedal cycle with or without gear from fire, calamities, theft and accidents. We protect any third party liability to a person or property caused by your insured pedal cycle. However, exclusively if your pedal cycle’s tyres only are stolen or damaged it remains uncovered.
Due to a terrorist attack if your home structure/content gets destroyed we cover it.
You can insure the property in the name of the actual owner of the house. Also, you can jointly get in insured in the name of the owner and yourself.
You can insure individual residential premises. As a tenant you could cover your home belongings.
Property under construction cannot be covered under Home Insurance. Also, Kutcha construction is not be covered.
Sum Insured affixed for Removal of Debris is 1% of claim amount.
In case of a Burglary claim an FIR is a mandatory requirement.
Your home belongings are being covered on Replacement basis, New for old. Value of contents should be equal to cost of buying a new content of similar make, model, capacity in today’s date. This may be more or less than the cost at which it was purchased it in earlier time. For Sum insured upto 10 lakhs we cover you on Loss limit.
Fire due to blast in gas cylinder will be covered under Home policy.
While usually home insurance policies cover you for Cost of reconstruction, the actual value of your property in much more. With HDFC ERGO we are committed to give you a comprehensive coverage by insuring your house at Registered agreement value or the ready recknor rate.
This is covered under Home Shield insurance policy
This is Not covered under Home Shield insurance policy
You can change your policy details online through our website hdfcergo.com. Visit the 'HELP' section on the website and place a request. To place request or explore services, click here
Home insurance protects detached garages and sheds whereas property insurance does not cover them. Personal property which include your furniture, clothing, large and small appliances are covered in home insurance and not in property insurance. Reimbursement for temporary living expenses if your house is damaged and uninhabitable is given under home insurance and not under property insurance.
Home is undoubtedly one of the costliest asset and the most treasured one. Any damage due to earthquakes and other natural calamities can severely damage the structure of your house. It covers any 1. liability that arise from injury to guests and other third parties 2. Covers against natural calamities and manmade events 3. Coverage of temporal living expenses 4. Coverage for damage to personal valuable assets and precious belongings
Even when you are are renting, you would need to have coverage for your own personal belongings which can be valuable. Even if the house owner has home insurance, your personal belongings will not be covered. Therefore in order to have coverage for your valuables against damage from natural calamities or manmade events you would have to buy home insurance.
Yes each one of them can have a separate home insurance for their part of asset.