Few things in life matter as much to you as your home. After
all, it's the heart of your family, your possessions, your priceless investment
and your memories.
Now with HDFC ERGO Home Insurance Policy, you can ensure
the trusted protection for your home. Importantly, it is brought to you by HDFC,
a name synonymous with “home” to millions across India, and ERGO, one of the world
leaders in non-life insurance solutions. Get affordable coverage for your property
and possessions against almost any eventuality.
Rates for Method A (per mile / 1000) * only for
long term cover
(Increase in base Sum Insured by
10% at end of every year )
Total Fire section rate (Section I a & b)
Burglary & Theft rate (section II)
All Rates shown above are excluding Service Tax.
WHAT IS COVERED
Section I : Fire and Special Perils (a)
Building (b) Contents
Fire/ Lighting/ Explosion/ Implosion/ Aircraft Damage/ Riots,
Strikes and Malicious Damage/ Storm, Cyclone/ Typhoon, Tempest, Hurricane, Tornado,
Flood and Inundation/ Impact Damage/ Subsidence and Landside including Rockslide/
Bursting and/ or Overflowing of Water Tanks, Apparatus & Pipes/ Missile Testing
Operations/ Leakage from Automatic Sprinkler Installations/ Bush Fire/ Earthquake,
Volcanic Eruption & other Convulsions of Nature, Terrorism (Optional).
Section II : Burglary and Housebreaking
Burglary cover for Contents cannot be opted for on a stand
HOW MUCH TO INSURE
The sum insured for the structure of the house is based
on the Reinstatement Value. Quite simply, it would be the reconstruction value for
the structure is determined by the construction cost. This however would not include
the cost of the land. The reconstruction cost is based on two parameters which are
You would have to multiply the built up area of the house
with the cost of construction to arrives at the reconstruction cost. Reconstruction
Cost = Built – up area of the house * Cost of construction in your area/ locality.
Contents / Valuables : The sum insured for Contents/ Valuables is based on the market value.
Market Value would mean he current cost minus an allowance for depreciation, in
the event of loss/damage. For jewellery, you would not have to deduct depreciation.
Once you have decided the sum insured for the structure as well as contents simply
choose the closest sum insured value and arrive at the premium.
This policy is designed for:
WHAT IS NOT COVERED
(For a detailed list of exclusions, kindly refer our policy
BENEFITS OF BEING INSURED UNDER
In the event of any claim, call our Toll-free 1800-2-700-700
to 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 we receive full and final documentation, we will process
the claim with prompt turn around times.
For details, kindly refer to Policy Wordings.
HDFC ERGO General Insurance Company Limited
Registered & Corporate Office: 1st Floor, 165-166 Backbay Reclamation, H. T.
Parekh Marg, Churchgate,
Mumbai - 400020
Customer Service Address : 6th Floor, Leela Business Park, Andheri Kurla Road, Andheri
Mumbai - 400 059
Toll-free No. 1800 2 700 700 (Accessible from India only.) Fax: 91-22-6638 3699
E-mail firstname.lastname@example.org Website
For more details on risk factors, terms & conditions, please
read the sales brochure before concluding a sale. Insurance is the subject matter
of solicitation. Trade Logo displayed above belongs to HDFC Ltd. and ERGO International
AG and used by HDFC ERGO General Insurance Company under license. CIN : U66010MH2002PLC134869.
UIN - HDE-OT-P14-70-V02-13-14. IRDA Reg No. 125. UID No. 1191.