3.1 Crore+
Happy Customers
Covers Home Structure
Worth upto ₹10 crore
Attractive Discounts
Up To 45%* Off
Covers Home Belongings
Worth upto ₹50 lacs
This festive season protect the contents of your house that make it a home. Our home content insurance provides coverage for your valuable items, from electronics to precious heirlooms, so you can have peace of mind and stay secured all the time. With our customised plans and numerous add-ons your home’s treasures are protected against any unexpected events.
The HDFC ERGO home contents insurance policy covers home structures and contents up to Rs 10 crore with useful add-on covers like loss of rent, alternate accommodation expenses etc. In addition, Hdfc Ergo Home Shield Insurance provides all-risk coverage for portable electronic equipment.
Please note that the above-mentioned benefits are illustrative refer to policy documents of Home Shield Insurance for More details
When it comes to securing your home content go for a brand that has to have claim paying ability and can be beside you at the time of need. HDFC ERGO has secured #3.7 crores+, happy customers, by providing the right set of insurance plans and settled claims with utmost ease and transparency. With 24x7 customer support and in-house claim settlement team, we are all ears when it comes to resolving your queries.
See what is covered and what is not covered
If you want to purchase home contents insurance from HDFC ERGO, you can do that online by following these simple steps;
Step 1 - Visit the official home contents insurance page by HDFC ERGO,
Step 2 - Click on “Buy Now” at the top of the page,
Step 3 - Select between “home owner” and “tenant”, whichever is applicable in your case, from the “home cover for” section,
Step 4 - Choose between “content” or “structure and content” from the “I want to cover” section, and press “Continue”,
Step 5 - Provide the necessary details, including the value of your belongings, whether you are salaried or not, and the available security measures in your home, and click “Proceed”,
Step 6 - Fill in your contact details, including your name, email address and phone number, and press on the “Proceed” option,
Step 7 - Select the type of home plan you want, choose the policy tenure, and optional covers (if needed) and click “Proceed”,
Step 8 - Enter additional details, such as PAN card number, your full name, property address, etc., and click “Next”
Step 9 - Finally, verify the home contents insurance policy and pay the premium online to complete the plan purchase.
If you have an existing home contents insurance plan from HDFC ERGO and want to renew it, here are the steps you need to follow;
Step 1 - Go to the official HDFC ERGO homepage,
Step 2 - Navigate to and click on the “Renew” tab,
Step 3 - Enter the policy number of the existing home contents insurance plan,
Step 4 - Fill in the required details,
Step 5 - Review and verify the plan details,
Step 6 - Pay the premium online to complete the home contents insurance renewal.
The process of filing a home contents insurance claim with HDFC ERGO is very straightforward. Here are the steps you need to follow to get it done;
Step 1 - Initiate/register the home contents insurance claim by contacting the insurer via the official helpline number. 022 6158 2020 or email at care@hdfcergo.com,
Step 2 - Follow the further instructions as given by our team at HDFC ERGO,
Step 3 - You will have to provide a handful of documents as part of the claims process, which may include a duly filled and signed claim form, policy booklet, photographs of the damage, repair invoices, first report copy (if applicable), etc.,
Step 4 - Extend your cooperation and assistance in case a surveyor is appointed by the insurer in order to survey and evaluate the loss/damage,
Step 5 - Wait for further instructions and follow them to a tee.
Upon approval of the claim, the company will offer you reimbursement for your losses.
1
What contents coverage include?
Home content insurance or content cover for home is all about insuring your precious home belongings from natural calamities, theft, fire incident and breakdowns. So that in case of insured damage or loss you do not have to pay for repair or replacement cost out of your pocket.
2
What is the difference between home insurance and contents insurance ?
Home insurance may or may not secure both structure and belongings of your home. However, your home content insurance will secure belongings only and not the structure. Our Home Shield Insurance secures both home structure and content.
3
Does home content insurance cover my clothes??
Yes. Your clothes and other belongings also get covered under home content insurance.
4
I live in a rented home. Can I buy a home content insurance?
Yes absolutely. Home content insurance is not limited to homeowners even if you stay in a rented accommodation you can cover your home assets under home content insurance.
5
What are the minimum and maximum policy term?
Our insurance plans provide the flexibility to choose an insurance tenure depending on your requirements. It starts at 1 year and goes up to 5 years.
6
Can I buy home content insurance online?
Of course. You can buy home content insurance online without any hassle. In case you need some more details, you can call on our customer support number for more assistance.
7
How easy is the claim process for home content insurance?
Your home content insurance claim process depends upon the type and nature of the claim. Under any circumstances, evidence of the event that has happened along with the insured content document is all that we need at the time of claims. However, in case if we require more documents our claims team will assist you for the same.
8
Do owners compulsorily have to secure both structure and content?
Not really, owner can take either Structure cover or home content cover. However,, for your peace of mind and financial security, it is preferable to buy insurance covering both structure and content. If you are a homeowner, you can choose to secure both structure & content and anyone as per your wish.
9
Are there any discounts on home content insurance?
At HDFC ERGO, we offer up to 45% discount on home content depending upon the coverage. We also offer an online and salaried professional discount.
10
Can I secure my dad’s property under Home Shield Insurance?
Yes. If you have the valid documents, you too can secure your dad’s property online.
11
What does contents mean in insurance?
Content includes Furniture, Fixtures, Fittings, Cupboards Including Inbuilt Cupboards, Electrical Fittings, Sanitary Fittings ,Electrical and Electronic Appliances, Crockery, Cutlery, Steel Utensils, Clothing & Personal Effects, Drapery, Pedal Cycles , other Household Articles not older than 10 years whilst stored or lying in the Insured’s ”Building”
