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

Home Insurance For Tenants

There are a million things that make a rented house your home. Like the rug you received from your grandma, the sofa you bought with your first salary or the TV set your parents gifted you for your marriage. Protect your home and everything that makes it so. Get the peace of mind with HDFC ERGO’s home insurance for renters so that no matter what, your valuable possessions are taken care of.

Reasons to buy HDFC ERGO Home Insurance

Short Stay? Long Benefits

Worried your home insurance will go waste? Our insurance plans provide the flexibility to choose an insurance tenure depending on your requirements. It 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 gives 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

Just as fire can’t crumble your spirit, we will ensure that it doesn’t damage your belongings.

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Burglary & Theft

A burglary can threaten to turn your life upside down. We cover loss due to theft and burglary.

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Electrical Breakdown

Without our machines, we find it hard to function. So, we assure you that we’ll cover for the damage caused due to Read More...

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Natural Calamities

Did you know that 68% of India’s land is prone to drought, 60% to earthquakes, 12% to floods, and 8% to cyclones? Sometimes Read More...

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Manmade Hazards

Protect your belongings from damages caused due to strike, riot, and malicious acts.

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Accidental Damage

Accidentally damaged your expensive glass fittings? Don’t worry– we’ve got you covered for accidental damages to 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.

Optional 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 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

While a Home owner can opt to cover both Building and Content, a tenant can only opt to cover his home belongings.
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.
When a fire or flood occurs, your home belongings are as much at risk as the Home structure. Insure them to protect your self against losses caused by fire, natural catastrophes like earthquake and flood, riots and much more.
Your property should a registered residential premises, construction for which should have been completed.
Individual Owner occupants/ Tenant can purchase this policy. Policy can be purchased by a tenant for Contents only upto 5 yrs.
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.
You can avail a discount of up to 37% on premium, basis security features, Salaried class of insured and long term coverage.
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 no 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.
Awards & Recognition
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