• Introduction
  • What's Included?
  • What's not Included?
  • Why Choose HDFC ERGO?
  • FAQs

Home Insurance For Owners

We all know that for most Indians, buying their own home has been a long-cherished dream. But what they fail to realise is that once they’ve made their dream come true, they need to secure it too. With HDFC ERGO Home Shield Insurance for Owners, you can live peacefully knowing that if your home or belongings are ever in danger, we’re ready with a shield to protect them for you.

Reasons to buy HDFC ERGO Home Shield Insurance

Long-term cover
We honour our commitment and hence are here to stay. With HDFC ERGO Home Shield Insurance, you get long-term coverage for upto 5years.
Enjoy upto 30% Discounts
What if we told you that you could secure your most prized possessions while availing a discount of upto 30% ? We provide numerous discounts, Read More...
Contents covered upto 10 Lakhs
Everything in your home is an embodiment of who you are. Every possession of yours carries irreplaceable emotional value. With HDFC ERGO Home Shield Insurance, Read More...
Portable Electronics Covered
Whether it is your laptop with decades of memories and valuable information or any other electronic equipment, insure them with HDFC ERGO home insurance and stay worry free!

What’s Included?

cov-acc

Fire

Your home is a literal brick-and-mortar manifestation of your dreams. Protect your dreams against any damage due to fire.

cov-acc

Theft

It’s distressing to even think about your house getting broken into. Stay peaceful by insuring your possessions against theft/burglary.

cov-acc

Electrical Breakdown

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

cov-acc

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...

cov-acc

Manmade Hazards

Troubled times can affect your home as well as your peace of mind. Keep it secure against strikes, riots, terrorism, and malicious acts.

cov-acc

Accidental Damage

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

cov-acc

Alternate Accommodation

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

What’s Not Included?

cov-acc

War

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

cov-acc

Precious collectibles

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

cov-acc

Old Content

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

ADD ON COVERS

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 lac 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.

Public Liability

Get a cover upto 50 lakhs for third party liabilities

This cover acts as a safety shield and protects the insured against claims related to third party accidental death, disability or bodily injuries. This does not include insured’s residence employee or domestic staff. Similarly, it covers accidental damage to third party property too.


You have a neighbor visiting your home and he gets accidentally injured due to a major renovation that’s been undertaken at insured’s premises. We cover for the claims related to the third party’s injury. 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.

Other related articles

 

Other related articles

 

Frequently asked questions

Once a claim is registered and requisite documents are submitted, a surveyor shall be appointed by HDFC ERGO to verify details of the claim. On receiving the survey report, the claim amount is determined and paid to the insured. Please note that, an excess under this policy of Rs.5000/- for each and every claim is payable by the insured.
Increase in Sum insured is possible by paying additional premium but decrease is not permitted. Cancellation is possible at the request of the insured subject to retention of premium as per short period scales.
The Company shall not be bound by any assignment of this Insurance without prior consent.
Home Shield policy can be issued for a period of upto 5 years. Infact, a long term policy will attract discount varying from 3% to 12% depending on tenure selected.
New for old basis: When this method is chosen for insuring contents, the item damaged beyond repair will be replaced with a new one or the insurer will pay out the cost for replacement of the item in full, regardless of its age subject to sum insured represent s cost of replacement. Indemnity Basis: Sum Insured shall be equal to the cost of replacement of the insured property by new property of the same kind and same capacity by deducting proper depreciation from the replacement value of the item.
Home Shield policy can be issued for a period of upto 5 years. Infact, a long term policy will attract discount varying from 3% to 12% depending on tenure selected.
Your property should a registered residential premises, construction for which should have been completed.
Your policy cover starts 1 day after you have purchased the policy online.
Our home is a one our most prized possessions. Any loss to it, could lead to a major financial setback. A home insurance, can protect you from losses caused due to calamities, fire incident and theft.
You can cover your home structure in case it is rented out to a tenant. Also, if the house has contents that belong to you, then home insurance for content can also be opted for.
Awards & Recognition
x