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Home Insurance
Home Insurance Safeguarding your priceless property & possessions
  • - Home Insurance is now available upto 5 years
  • - Covers the structure and content
  • - Covers against fire, riots, terrorism burglary and theft

: 4.2     3759 Ratings | 3759 Reviews

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Home Insurance

Protect your home with an unique Home Insurance Policy - HDFC ERGO’s Home Insurance plan not only safeguards the structure of your home but also ensures a safety for all the belongings and prized possessions collected over the years with your hard earned money at a very affordable price. This is the unique policy for home owners with long term coverage which is upto 5 years, and can be instantly purchase online without any documentation with minimum hassles and worries. HDFC ERGO Home Insurance is more than just an insurance cover for your home.

Reasons to buy the HDFC ERGO home insurance policy -

  • Covers risk against Fire, Lightning , Explosion, Implosion, Flood, Inundation, Storm, Riot, Strike, Earthquake, Terrorism (optional), Burglary, Theft and, Larceny
  • Coverage up to 5 years
  • Discount up to 25% and additional 15% discount for security features.
  • Provision for increase in Sum Insured at end of every year by 10%
  • An unique cover for home owners with long term coverage
  • No documentation, get instant online policy

HDFC ERGO Home Insurance Policy provides cover for your home and belongings, it which includes:

  • Covers for Fire & allied perils and Burglary including theft and larceny under one policy
  • Covers Structure & household Contents
  • Flexibility to select between two plans
  • Discount for availability of security system under Burglary section
  • Long Term tenure can be availed by house/ flat owners only
  • Online purchase option available with no documentation
  • Building – on Reinstatement Value basis which is current cost of construction * floor area

Following are the major exclusions:

  • Loss and/or damage arising out of War, Invasion, Act of Foreign enemy, hostilities, etc.
  • Loss or damage due to nuclear perils
  • Damage to property due to Pollution and contamination
  • Loss or damage due to wear and tear, gradual deterioration or slowly developing flaws.
  • Consequential Loss
  • Willful Misconduct or Negligence
  • Loss and/or damage to jewelry, precious stones, money, bullion or documents of any kind unless specifically declared.
  • Cost of land
  • Co-operative societies cannot take long term policy for entire society building
  • Property Under construction cannot be covered under this insurance
(For a detailed list of exclusions, kindly refer our Home Insurance policy wording)


  • Why do I need a home insurance?
    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.
  • Are there any special schemes on home insurance?
    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.
  • What is the claim settlement process?
    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.
  • How is the premium that I have to pay calculated?
    The premium you will have to pay will depend on the tenure of the policy you choose and the sum insured, which in turn will be based on the following:>
    • Policy period chosen
    • Built-up area of the house (square feet)
    • Cost of construction in your area/locality
    • Contents/valuables valued at the current market prices

    Depending on the varying factors, the payable premium also varies. There is an online premium calculator available on our website which you can use to calculate the payable amount.

  • What are the eligibility criteria to buy a home insurance?
    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.
  • What properties are ineligible for the home insurance?
    The following are the properties not covered under the Policy -
    • Property Under construction
    • “Kutcha” construction
    • Resident cum offices
    • Land
    • Shops
  • What if I already have a home insurance and wish to switch to HDFC ERGO?
    HDFC ERGO provides the option of policy portability which allows you to switch to HDFC ERGOas your home insurance service provider effortlessly, and that too along with the transfer of any no-claim bonus you might have. For detailed assistance, visit your nearest HDFC ERGO branch.
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Home Insurance 4.2 3759 | 3759 Reviews

Customer Review Summary

Average Rating :   
(Based on 3759 ratings )
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Customers Reviews

Niranjan Thota
30 Apr 2015,  
Too Good ! Very simple & un-complicated !
Nayana Vinod
28 Apr 2015,  
27 Apr 2015,  
27 Apr 2015,  
Very easy to buy for HDFC customers. Hope the papers are sent on time.
Ajay Agarwal
26 Apr 2015,  
Really quick and easy procedure. Keep it up!
Prashanth Ramamurthy
25 Apr 2015,  
excellent platform the whole process hardly took 5 minutes
09 Apr 2015,  
12 Mar 2015,  
Its a great experience for securing online Home Insurance.
07 Mar 2015,  
good to know that now i can pay the premium online.
Manjinder SINGH
14 Feb 2015,