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Monsoon Insurance Coverage for Your Home

Monsoon

Our home is more than just a few walls and a roof above our heads. It is the place that shelters us from all kinds of troubles and lets us live a relaxed life alongside our favourite people and things. However, it is not resistant to damages and losses caused by unfortunate events. Such issues become persistent during the monsoon season when the risk of storms, floods, landslides, etc., remains high. To protect your home and its contents from such damages/losses, consider investing in monsoon insurance coverage. You can easily get affordable and feature-packed monsoon insurance coverage for your home online from HDFC ERGO.

Benefits of taking monsoon insurance coverage for your home

There are several benefits of investing in monsoon insurance coverage for home, such as;

Benefits Details
Secures your home and belongings With monsoon insurance coverage, you can secure not only your home structure but also your cherished home contents against various perils.
Offers elaborate protection Worried about storms, floods, landslides, etc., messing with your home during monsoon? Well, fret not. The monsoon insurance coverage for home covers against damages caused by natural calamities alongside man-made hazards, theft & burglaries, fire accidents, etc.
Keeps you financially afloat Fixing and replacing damages and losses caused to your home and/or its contents during the monsoon season can be very expensive.Thanks to the monsoon insurance covers for homes, you can take care of such losses without draining your bank account.
Ensures the roof above your head If your home becomes unfit for living due to a covered peril, the policy may cover the expenses of alternate accommodation. So, you don’t have to worry about finding temporary shelter during the monsoon.
Provides liability protection Wet floor after heavy rainfall? Muddy garden area? All these situations can increase the risk of an accident on your property. If such an accident happens where a third party gets hurt, the monsoon insurance coverage will handle the arising liabilities.
Removes worries The extensive coverage and financial assistance under monsoon insurance coverage remove various worries that a homeowner may face during the monsoon season. It offers the right peace of mind and is key to living stress-free.

 

Monsoon Insurance Coverage for Your Home

Secure your home and contents from the increased risk of floods and landslides during the monsoon. Get monsoon coverage for your home today.

Key Features of Monsoon Insurance Coverage for Your Home

This table notes some of the most essential features of the monsoon coverage for your home and its contents.

Key features Details
Home structure coverage Up to INR 10 crore of coverage for the home structure
Belongings coverage Up to INR 10 crore coverage for the structure of the home
Home contents coverage Up to INR 25 lakhs of coverage for belongings
Choice of add-ons Offers a list of 5 practical add-ons to choose from
Extra discounts Impressive discounts of up to 45%
Additional coverage 15 types of belongings & perils covered

Monsoon Insurance Covers for your Home by HDFC ERGO

Don’t know which monsoon insurance plan to get for your home? Well, here are the choices offered by HDFC ERGO;

Monsoon Insurance Plans for Tenants

For Tenants

Individuals who don’t own their house and are living as renters can consider the monsoon insurance coverage for home. With this plan, they can get coverage for the home contents.

Monsoon Insurance Plans for Homeowners

For Home Owners

Individuals who own their place can opt for monsoon insurance cover for his home. With this plan, they can choose to protect their home structure and/or its contents from various unwanted damages/losses.

Understanding Coverage Offered by Home Insurance

The monsoon insurance coverage for home is an extensive one. It generally covers;

Fire Accidents

Fire Accidents

The monsoon insurance coverage for homes doesn’t let fire accidents ruin your abode. It covers losses caused by fire accidents and helps rebuild and restore your home.

Thefts And Burglaries

Thefts and burglaries

Worried about thieves? The monsoon insurance coverage for home also secures your house and its contents against losses arising out of theft & burglaries.

Electrical Breakdowns

Electrical Breakdowns

Damages caused by power surges, short circuits, etc., are also covered under the plan.

Manmade Hazards

Manmade Hazards

While natural calamities are an issue during monsoon, man-made hazards also remain a huge risk. The policy covers your home and/or its contents against such events, like riots, strikes, malicious damage, etc.

Alternative-Accommodation

Alternate Accommodations

If your home becomes unlivable due to damages caused by an insured peril, the policy may take care of temporary living expenses until it is fixed.

Accidental Damage

Accidental Damage

In case of accidental damage due to any unintentional and unexpected external action, the monsoon insurance coverage for a home will handle the losses.

Natural Calamities

Natural Calamities

Monsoon is when the risk of storm, cyclone, flood, landslide, etc., remains high. The policy covers such events alongside other natural calamities like earthquakes, rockslides, etc.

While the monsoon insurance coverage for home has elaborate coverage, there are some things it doesn’t cover, such as;

war

War

The monsoon coverage for home does not cover losses/damages caused by events of invasion, war, foreign enemies, etc.

Precious Collectibles

Precious Collectibles

The home insurance for monsoon does not cover losses resulting from damage to works of art, coins, stamps or any other precious collectables.

Old Content

Old Content

If any content is older than 10 years, the home insurance for monsoon will not cover its damages/losses.

Consequential Loss

Consequential Loss

The monsoon insurance coverage for the home does not include consequential loss.

Willful Misconduct

Willful Misconduct

In case of intentionally caused damages/losses, the monsoon insurance coverage for home will not cover it.

Third Party Construction Loss

Third party construction loss

Damages/losses to your home and/or its contents caused by any third party construction will not be covered under the policy.

Wear & Tear

Wear & Tear

The monsoon insurance coverage for home doesn’t cover usual wear and tear or maintenance/renovation.

Cost Of Land

Cost of Land

Under the scenarios, the monsoon insurance coverage for a home will not cover the cost of land.

Under Construction

Under construction

Properties that are currently under construction will not be covered under the monsoon insurance coverage for homes.

Monsoon Insurance Coverage for Your Home

Don’t let the unpredictable monsoon weather wash away your savings. Easily fix damages to your home with the financial coverage under home insurance for monsoon.

Add-On Coverage Under Monsoon Insurance for your Home

Need to extend your coverage scope for more elaborate protection during monsoon? Well, consider these add-ons with home insurance for monsoon;

1

Portable electronic equipment cover

No need to worry about damaging or losing your portable electronic equipment, like laptops, cameras, etc., while travelling. This add-on covers its cost of repair/replacement.

2

Pedal cycle cover

Cover your exercise bike or bicycle with this add-on to stay secured against damage/loss due to theft, natural calamities, fire accidents, etc. It also covers third-party liabilities caused by the insured bicycle in an accident.

3

Jewellery & valuables cover

This add-on secures your jewellery and other valuables like watches, paintings, sculptures, etc. If they are damaged or stolen, the cover will offer a sum assured of up to 20% of the value of the belongings.

4

Public liability

A sum insured of up to INR 50 lakhs is offered with this add-on to cover third-party damage/injury occurring on account of your home.

5

Terrorism cover

This add-on covers losses/damages sustained by your home due to a direct terrorist attack or defensive measures taken by the authorities.

How to Buy Monsoon Insurance Coverage for your Home from HDFC ERGO?

To buy monsoon insurance coverage for your home online from HDFC ERGO, here are the steps you need to follow;

1. Go to the official page of HDFC ERGO monsoon insurance for home.

2. Choose “Buy Now” and pick whether you want the policy for homeowners or tenants.

3. Pick whether you want to cover the home structure and/or contents,

4. Fill in all the necessary details, such as the market value of your home, building age, preferred policy tenure, add-ons, etc.

5. Get the premium of the monsoon insurance coverage for home and pay it online to confirm the purchase.

How to Renew Monsoon Insurance Coverage for your Home from HDFC ERGO

Renewing monsoon insurance coverage for your home from HDFC ERGO online is a simple task. Here are the steps for it;

1. Visit the official HDFC ERGO website,

2. Click on “Renew” and enter the full policy number of the existing plan.

3. Select the plan for renewal and make the needful adjustments (if any).

4. Pay the renewal price of the online monsoon insurance coverage for home to complete the renewal.

How to Make a Claim for Your HDFC ERGO Condo Insurance?

To make a condo insurance claim with HDFC ERGO, here’s what you need to do;

1. Register your claim with HDFC ERGO by calling the helpline no. 022 6158 2020 or by sending an email to the customer service desk at care@hdfcergo.com.

2. After claim intimation, follow further instructions as directed by our official,

3. Submit the necessary documents for the claim, such as photographs of the damage, asset register/logbook/item list, policy or underwriting booklet, all applicable certificates, FIR copy (if applicable), duly filled and signed claim form, etc.,

4. Following document submission, HDFC ERGO will verify and process the claim and settle it at the earliest.

Need to make a claim for your HDFC ERGO home insurance with monsoon coverage? Here are the steps for it;

Call the toll-free number 022 6158 2020 or send an email to care@hdfcergo.com to register your claim.

2. After that, our team will assist you through the process.

3. During the claim, you may be required to upload/submit a few documents, such as policy booklet, filled-up claim form, FIR copy (if applicable), etc.

4. Wait for the final decision. You will be notified whether the claim has been approved or denied.

Monsoon Insurance Coverage for Your Home

You may not control natural calamities, but you can protect your home from their ill effects. With home insurance for monsoon calamity, stay secure against floods, earthquakes, landslides, etc.

Why Do I Need Monsoon Insurance?

There are so many reasons why you need to invest in monsoon insurance for your home, such as;

1

Increased risk of damage

Though unfortunate events can strike at any time, monsoon increases the risk of water damage, leaks, landslides, floods, short circuits, etc. To protect your home from such damages/losses, you need to invest in monsoon insurance.

2

Financial safety

The home insurance for monsoon covers up to INR 10 crore for the home structure and up to INR 25 lakhs for belongings. So, if your home structure and/or belongings are damaged by an insured peril, the policy will help replace/repair them without affecting your savings.

3

Overall coverage

Besides covering natural calamities, the extensive coverage of home insurance for monsoon covers other perils like theft & burglaries, accidental fires, man-made hazards, liabilities, etc.

4

Worry-free living

Suppose your home becomes uninhabitable due to major damages caused by a covered peril. In such cases, arranging for alternate temporary living during the monsoon can be annoying and expensive to tackle. But with home insurance for monsoon calamity, such expenses can be easily covered, ensuring you have a roof above your head.

How to Safeguard your Home during Monsoons?

Need advice on how to safeguard your home during monsoons? Well, here are some handy tips;

1

Waterproofing

The first precautionary step you can take is to waterproof your wall and roof with waterproof coating. This can help reduce water seeping through cracks and crevices.

2

Repair pipes

Make sure to clear drains and repair old pipes so water can flow smoothly, ensuring no accumulation or stagnant water.

3

Check wiring

Check for exposed wiring around the house. They can pose a serious threat of electrocution and electrical fire if they come in contact with rainwater.

4

Assess openings

Check that the openings in your home, such as doors and windows, are properly sealed when closed. If not, they can let rainwater enter your home and cause damage.

5

Replace heavy furnishings

Change heavy furnishings with light curtains to allow maximum sunlight to enter your home. This will keep your home fresh and reduce humidity.

Precautions to take during the Monsoon Season

Here are some general tips and precautions to take during the monsoon season;

1. Avoid the accumulation of stagnant water in or around your house.

2. Don’t get wet in the rain too often.

3. Keep an umbrella or a raincoat with you at all times.

4. Be careful covering roads filled with rainwater, as they might have potholes.

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Frequently Asked Questions on Monsoon Insurance Coverage

To stay safe during monsoon, avoid getting wet in rain too often, ensure stagnant water doesn’t accumulate in/near your home, be careful when crossing water-filled roads, etc. In terms of home safety, you can take precautionary measures like using waterproofing, doing minor repairs, etc. Also, investing in home insurance for the monsoon is highly recommended.

The monsoon insurance of home is a type of home insurance policy that is designed to keep your home and/or its contents safe against various perils, including high risk of floods, water leakage, landslides, etc., during the monsoon season.

It is a type of insurance that is designed to protect against a specific type of weather. With home insurance from HDFC ERGO, you can protect your home and its contents not only during monsoon but any season.

Some of the essential home insurance for monsoon covers include coverage against floor damage, short circuit, furniture damage, structural damage, water leakage, etc.

The price of monsoon insurance coverage varies depending on the type of coverage you want, selected add-ons, value of home structure and contents, age of home, etc. You can get quotes on home insurance for monsoon on HDFC ERGO.

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