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.
These days due to climatic conditions Cyclones, Storm & Flood pose for a high occurance. Whenever such natural calamities take place they tend to destroy trees, assets and vehicles. Our home being our most valuable asset it needs to be protected. The whole idea of buying a home insurance is for securing your finances at the time of calamities. In case your home gets damaged due to a natural calamity you have our financial back-up to tackle the expenses for repairs and renovation. We help you dealing with such unforseen expenses so that you beloved home is always secured.
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
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.
Worried your home insurance will go waste? Our home insurance plans offers you the flexibility of choosing the tenure. Our Home insurance solutions tenure range from 1 year and goes upto 5 years.
Fire can annhiliate your dream home. We cover for the damages due to fire so that you can rebuild your home.
Thieves can run away with your precious jewelry or other valuables. You can rest easy if you get them covered
Can't imagine our lives without appliances... insure them to get coverage in event of electrical breakdown
Troubled times can affect your home as well as your peace of mind. Keep it financially secure with our home shield insurance plan against floods, cyclones, strikes, riots, terrorism, and malicious acts.
Get shifting expenses, rent for alternative/hotel accommodation, emergency purchases, and brokerage in case your home becomes unfit for living because of any covered cause of loss.
Just spent a fortune on fixtures and sanitary fittings? Stay worry-free by securing them against accidental damage with our home insurance plans.
Loss/Damages arising of events including war, invasion, act of foreign enemy, hostile. are not covered.
Losses arising out of damage to 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 under this home insurance policy.
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 your unforseen losses are covered, however if the damage is willfully conducted then it is not covered
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.
Under circumstances, this home insurance 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 elcetronic items including laptop, camera, binoculars, musical equipments; sports gear not only are costly but their absence cxan impact our daily work life, they are covered here but policy excludes equipment that are over 10 years from it's coverage benefits.
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 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.
Due to a terrorist attack if your home structure/content gets destroyed we cover it
Seamless & Superfast Claim Settlement
Our customers have rated us with 4.3/5 Stars
The service provided by HDFC ERGO was fast and accurate. Very Impressed
Home Suraksha Plus
Thanks HDFC ERGO contact center.... for your help in selection of right home insurance policy
Sesh Mani Tiwari
Home Suraksha Plus