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Buy Home Insurance to protect from Theft, Burglary and Fire!

Home Insurance

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.

Benefits and Features of Home Insurance

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

Reasons to Buy HDFC ERGO Home Insurance Plans?

Short Stay Long Benefits

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.

Enjoy Upto *45% Discount

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.

Contents Covered Upto Rs 25 lakhs

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.

Portable Electronics Covered

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.

We cover you against


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.

Burglary & Theft

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.

Electrical Breakdown

Breakdown of appliances can disrupt everyday life and come at a cost. Insure them under our home insurance to avoid sudden expenses.

Natural Calamities

Don’t get bogged down by the losses due to natural calamities… get your losses covered with home insurance.

Manmade Hazards

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.

Accidental Damage

Just spent a fortune on fixtures and sanitary fittings? Stay worry-free by securing them against accidental damage with our home insurance plans.

Alternate Accommodation

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.

Precious Collectibles

Loss of bullions, stamps, work of art, coins etc. will not be covered

Old Content

We understand that all your precious possessions hold emotional value but anything that’s over 10 years old will not be covered.

Consequential Loss

Consequential losses are losses that are not the natural result of the breach in the usual course of things, such losses remains uncovered.

Willful Misconduct

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.

Third Party Construction Loss

Any damage caused to your property due to third party construction is not covered.

Wear & Tear

Your home insurance does not cover usual wear and tear or maintenance/renovation.

Cost of Land

 This policy shall not cover the cost of land.

Under Construction

Home insurance cover is for your home where you reside any under construction property will not be covered.

Add-On under Home Insurance

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.

Pedal Cycle

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.

Terrorism Cover

Due to a terrorist attack if your home structure/content gets destroyed we cover it.


1. I want to secure my paternal/maternal property under home insurance can I do that, it’s not on my name though?

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.

2. Which type of property does HDFC ERGO secure?

You can insure individual residential premises. As a tenant you could cover your home belongings.

3. Which type of property is not covered in home insurance?

Property under construction cannot be covered under Home Insurance. Also, Kutcha construction is not be covered.

4. Will the company pay for debris removal during the reconstruction of the property? If yes how much?

Sum Insured affixed for Removal of Debris is 1% of claim amount.

5. Do I need a police FIR for filing a home insurance claim?

In case of a Burglary claim an FIR is a mandatory requirement.

6. How will HDFC ERGO value my home contents?

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.

7. Our gas cylinder blast, will this damage be covered under home insurance?

Fire due to blast in gas cylinder will be covered under Home policy.

8. How do I know if the home insurance coverage is enough?

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.

9. Due to a fallen treat my windows got shattered will that get covered under my home insurance policy?

This is covered under Home Shield insurance policy

10. If a driver rams his car on my home will that be covered under my home insurance policy?

This is Not covered under Home Shield insurance policy

11. How do I make changes in my home insurance policy details after receiving the policy documents?

You can change your policy details online through our website Visit the 'HELP' section on the website and place a request. To place request or explore services, click here

12. What is the difference between home insurance and property insurance?

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.

13. How is home insurance beneficial?

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

14. Do I need home insurance if i am renting?

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.

15. If number of people share an apartment, can each one have a separate home insurance?

Yes each one of them can have a separate home insurance for their part of asset.

*Discount may vary as per coverage opted.

Terms and Conditions Applied. #1 Crore+ Active Customers upto September -2019© HDFC ERGO General Insurance Company Limited. IRDAI Reg. No.146 CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Customer Happiness Center / Policy Issuing Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. For Claim/Policy related queries call us at +91 22 6234 6234/+91 120 6234 6234 or Visit Help Section on for policy copy/tax certificate/make changes/register & track claim. For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license. CIN: U66030MH2007PLC177117.