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 man made 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.

Home Insurance and Home Loans

In India, majority of people buy a home insurance while seeking for home loan as it is generally attached with the home loan product. Assuming you have taken a home loan to buy your dream house and definitely you will plan to furnish and decorate it with classy interiors, valuable antiques and latest furniture. It would be heart breaking if the house gets damaged due to fire or natural calamities like earthquake, floods, lightning, thunderstorm etc.

In absence of home insurance you will have to shell out the cost of damage repair(s) from your own pocket which may prove to be very costly. A home insurance plan offers coverages for the building structure and its content, thus securing against any damages to the structure or contents. So you can be assured while paying your home loan EMI that any sudden damage(s) or expense(s) to your home are covered.

Home Insurance Plans

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Home Insurance For Tenants
  • Every moments cherished, laughter shared, and memories made at home counts. Secure it all even in a rented home with a home insurance plan that secures your possessions.
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Home Insurance For Owners
  • Every square foot of your home narrates a story that holds a special place in your heart. Why not protect this with home insurance from HDFC ERGO?
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Housing Society Insurance
  • The right home insurance plan will help you secure not just the structures but also the bonds that residents share.

Reasons to buy HDFC ERGO Home Insurance

Short Stay? Long Benefits

Worried your home insurance will go waste? Our hgome insurance plans provide the flexibility to choose an insurance tenure depending on your requirements. Home insurance solutions starts from 1 year and goes upto 5 years.

Enjoy upto 45% Discounts
This one is for those who search for value in everything! 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, Read More...

What’s Included?

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Fire

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.

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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.

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Electrical Breakdown

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

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Natural Calamities

Did you know that 68% of India’s land is prone to drought, 60% to earthquakes, 12% to flood, and 8% to cyclones? You can’t  Read More...

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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.

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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.

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Alternate Accommodation

Get shifting expenses, rent for alternative/hotel accommodation, emergency purchases, and brokerage in case Read More...

What’s Not Included?

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War

Loss and/ or damages arising out of situations such as war, invasion, act of foreign enemy, hostile. are not covered.

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Precious collectibles

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

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Old Content

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

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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

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Willful Misconduct

We ensure that your unforseen 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.

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Third party construction loss

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

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Wear & Tear

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

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Cost of land

Under circumstances this policy shall not cover the cost of land.

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Under costruction

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

Optional Cover under Home Insurance

Portable Electronic Equipment Cover

Secure your electronic gadgets even when you are on the move.

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.


Suppose you go on a vacation and your camera gets accidentally damaged, we shall cover against this loss of camera however it should not be an intentional damage. Policy excess and deductible should be applicable however that’s nominal.

Jewellery & Valuables

Now, your precious jewellery is protected against any risk of theft

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


In case your content sum insured is Rs 5 lacs you can secure your jewellery and valuables upto 1 lac. Imagine in your absence there is a theft incident at your home and you end up losing your precious insured jewellery Under such scenario you would be required to submit we the original invoice of the jewellery lost to process the claims. Excess and deductible to be applied.

Pedal Cycle

Cover your pedal cycle upto Rs. 5 lacs

Under this cover we insure losses to static exercise cycle as well as your pedal cycle with or without gear. It covers losses caused by 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.


How does it work?: On your next cycling expedition due to road accident your cycle is damaged beyond repair leading to total loss, under such situation we will cover the losses. Additionally, if a third party person gets injured due to the accident caused by insured cycle then we shall cover for the third party claim too. Excess and deductible to be applied.

Terrorism Cover

Covers damage caused to your home due to terrorism

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


How does it Work?: Any damage caused to your home due to a terrorist attack gets covered. This damage could be both due to terrorists or protection squad by government's defense services.
Why HDFC ERGO?

Secured 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
Why HDFC ERGO?

All the support you need 24x7

We understand that in times of distress, instant help is the need of the hour. Our In-house claims team provides round the clock support to ensure hassle-free claim experience. We ensure to be your constant support system in times of need.
Why HDFC ERGO?

Catering customer needs

Since, last 16 years, we have been catering to endless customer requirements seamlessly, by providing wide range of plans and add on covers for every portfolio.
Why HDFC ERGO?

Transparency at its best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.
Why HDFC ERGO?

Awards

We have received the Best Customer Experience Award of the Year and excellence in financial reporting for the year 2016.
Why HDFC ERGO?

Secured 1 Crore+ Smiles

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. Our In-house claims team provides round the clock support to ensure hassle-free claim experience. We ensure to be your constant support system in times of need.

Catering customer needs

Since, last 16 years, we have been catering to endless customer requirements seamlessly, by providing wide range of plans and add on covers for every portfolio.

Transparency at its best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.

Awards

We have received the Best Customer Experience Award of the Year and excellence in financial reporting for the year 2016.

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Frequently asked questions

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.
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.
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.
Awards & Recognition
SKOCH Order-of-MeritBest Employer Brand AwardHR Excellence through technology award 2012Insurance AwardBest Insurance Company in Private Sector - General 2014Insurance Award iAAA ratingInsurance AwardInsurance AwardGold Shield ICAI Awards 2012-13ICAI Awards 2015-16Insurance AwardInsurance Award
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