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Covers Home Structure
Worth upto ₹10 crore

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Up To 45%* Off

Covers Home Belongings
Worth upto ₹50 lacs
Your home is undoubtedly a sanctuary, where you wish to feel safe and at peace, huge amount of money goes into putting building, furnishing and decorating a home. So, most people choose to safeguard such cherished homes with a home insurance policy. In order to make your home insurance more comprehensive,. In a country where the climate is hot and humid for the most part of the year, air conditioners are considered basic necessities. With every household featuring multiple ACs to make life more comfortable, the cost involved rises with each AC purchased.
Considering the high prices of these ACs and continual technological innovations that keep improving the features, but at a higher price, there is a definite need to protect these useful appliances from damages and threat of being stolen. You can insure your air conditioners under home insurance and live life tension-free
Every household nowadays has multiple air conditioners that have a lot of built-in features. And these are expensive to buy and maintain too. A comprehensive home insurance policy that covers air conditioner has the following benefits
Insurance against damage: covers any financial loss due to the accidental damage or electrical mechanical breakdown of the machine Insurance against loss due to burglary or theft.
Easy payment options: Multiple payment options, including net banking, mobile wallet, cards, etc., are available to make the experience trouble-free and easy for the customers
Affordable premium: For a nominal premium amount, depending upon the cost of the air conditioner, high coverage is provided to the insured.
The premium of the insurance policy for your air conditioner depends upon multiple factors that influence the premium cost as well as the coverage that comes with it. Here is a look at the same:
Price range of the AC: Different premium are charged for different models of ACs, based on their price or the Sum Insured you opt for the same.
Duration of the plan: The premium amount will change as per the policy duration and coverage sought.
See what is covered and what is not covered


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.
Real stories from people who love our products.
1
How do I apply for an insurance that covers air conditioner along with my Home Policy?
Applying for insurance is easy. Just fill up a simple application form on the website and get the policy document via email and regular mail to your address, after the premium payment
2
How can I pay premium? Do I need to visit the insurance office every time?
Paying the premium is very easy. You can pay it online through net banking, credit and debit cards, or wallets like Paytm, PhonePe, etc. You can also visit the branches for the same.
3
How do I file a claim in case there is a loss or damage to my air conditioner?
Filing claims and getting the insurance is an easy task. Just contact us within 24 hours of the unforeseen event to apply for the claim, and keep the policy number ready: o You can call us on 022-62346234 You will be informed about the status of your claim through SMS and emails at every stage of the claim .
4
What documents are needed to file claim?
Documents needed to file a claim include
Aadhaar Card
Passport
Driving Licence
Voter ID
Copy of the purchase bill
5
Is there a deductible to be paid?
Yes, an excess of Rs. 5000 for each an every claim is applicable under this policy