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

Home Insurance

We understand the value of a home; and we want to protect yours so that you and your family continue to create sweet memories forever. HDFC ERGO Home Insurance is designed to secure everything that makes your house a home. We protect your paradise in the best possible way. It extensively covers both structure as well as contents with long term coverage of up to 5 years at an affordable premium.

Safeguard your home and create memories forever, carefree!

Long Term Cover
Home owner can enjoy peace of mind by giving their residence and its belongings the protection it deserves. HDFC ERGO Home Insurance provides a host of benefits, and you get a cover that secures your home for upto 5 years.
Cover Increase
Think you might need to increase coverage for your home? The plan gives you the flexibility to increase the Sum Insured at the end of every year by 10% for continuous protection for old and new items.

Choose what works best for you
No one knows the needs of your home better than you do. HDFC ERGO gives you the option to choose between two plans. Both have been designed keeping different home insurance needs in mind, so you can pick one that works best for you.
Multiple Discounts
HDFC ERGO home insurance secures your home as well as your possessions, and helps you save money. It’s a win-win situation! Get upto 25% discount with HDFC ERGO. Plus, get additional 15% discount for security features under the ‘burglary’ section.

What’s included?

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Fire

Protect your home and all your belongings from fire, lightning, explosion, and implosion of structure with just one insurance policy.

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Theft

You need not break into a sweat when your house gets broken into. Secure your home from losses due to theft, larceny and burglary.

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Calamities

Don’t let the forces of nature wreak havoc on your dream home. Protect it from flood, storm, earthquake, and more.

Know More...

What’s Not Included?

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War

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

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Precious Jewellery

Loss of bullions, jewellery, gold coins etc. will not be covered.

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Willful Misconduct

We understand that insurance is to protect unexpected losses, however any attempt to make

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Wear & Tear

Your home insurance does not cover usual wear and tear or maintaince/renovation.

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Cost of land

Under circumstances this policy shall not cover the cost of land.

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Under costruction

Home insurance cover is for your home where you reside any under construction property will not be covered.

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

The home is the most important place for a person and its protection needs is of utmost importance. HDFC ERGO Home insurance provides you with a flexible and comprehensive cover that protects your home against all possible contingencies.
Yes, with HDFC ERGO’s home insurance, you get the benefit of reduced premiums as well as discounts up to 25% + 15%, depending on the tenure of your policy.
The claim process for HDFC ERGO Home Insurance is pretty straightforward. In the event of any claim, you need to call our toll-free number and register the claim at the earliest with the details of the nature of loss, location of loss, amount of loss (approx. estimation) and policy number for reference. Once the full and final documentation is received, your claim will be processed with prompt turnaround times.
For individuals - Any resident Indian who is the owner and / or occupant of the property can purchase a Home Insurance Policy. However, Home Insurance - multiyear policy can be issued only to house / flat owners and not to tenants. For Society – Any authorized member of society’s managing committee can buy policy to cover society building & common utilities wherein policy needs to be issued in name of society.
No, your home content cannot be covered under housing society insurance. However, if you opt for an individual home insurance your content does get covered. You can also take look at “Home Shield insurance” for exclusive contents coverage.
Awards & Recognition
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