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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     3270 Ratings | 3270 Reviews

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Home Insurance


There is no place like home in the entire world. After a tiring day at work, a home is your haven of peace that gives shelter, comfort and warmth. A place where you and your family can rejoice, unwind and make thousands of memories that last for a long time.

Buying your dream house was probably the biggest financial investment you ever made. And then came in the responsibility to protect it from unpredictable damages, natural or manmade disasters and potential threats like burglary and theft. By investing in a home insurance policy, you actually buy immense peace, assurance and safety against these unexpected events. With a good home insurance you are completely equipped to face any crisis or storm that comes your way.


HDFC is a pioneer in India for housing loans for more than three decades now and ERGO is a worldwide market leader in general insurance. Together they provide affordable solution for home insurance in India. HDFC ERGO Home Insurance policy provides a reliable and protective coverage which encircles and covers your home.

The home insurance plan by HDFC ERGO not only safeguards the structure of your home but also ensures a safety net for all the belongings and prized possessions collected over the years with your hard earned money. The policy cover gives you a chance to choose either the house structure or the household contents in a single policy with minimum documentation

To make home insurance easily accessible, we have an instant online policy option that helps you buy home insurance policy online with minimum hassles and worries.

Key highlights of the Policy

  • Covers risk against Fire, Lighting, Explosion Flood, Inundation, Storm, Riot, Strike, Earthquake, Terrorism(optional), Burglary, Theft, etc…
  • Coverage upto 5 years
  • Discount upto 25% +15%
  • Provision for increase in Sum Insured at end of every year by 10%
  • A unique umbrella policy for home owners with long term coverage
  • No documentation, get instant online policy

Key features of Home Insurance

  • Coverage for Fire & allied perils and Burglary including theft under one policy
  • Covers Structure & Contents of house
  • Flexibility to select between 2 plans
  • Discount for availability of security system under Burglary section
  • Policy can be availed by house/ flat owners only

Sum Insured

  • Building – on Reinstatement Value basis which is cost of construction * floor area.
  • Content other than Personal Effects - on Replacement Value of Insured Item
  • Personal Effects – Market Value which is Replacement Value less depreciation


Premium depends on following:

  • Policy period
  • Type of Plan
  • Covers opted
  • Add on covers opted

Additional Discounts

  • Discount upto 25% for Plan type – Fixed Sum Insured
  • Discount upto 15% based on security feature available at insured premises

Add on Covers

  • Terrorism (at additional premium)
  • Damage to the Insured's home and/or safe resulting from burglary and/or housebreaking or any attempt threat subject to a maximum of 5% of the Sum Insured under Burglary Section ( inbuilt)
  • Earthquake (inbuilt)

Major Exclusion

  • 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 jewellery, 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 policy
  • (For a detailed list of exclusions, kindly refer our Home Insurance policy wording)


  • What is the maximum policy period under Home Insurance?
    Home insurance can be purchased for policy period from 1year and 3 to 5 years.
  • Do I need to pay premium in advance for multiyear policy, i.e policy period more than 1 year?
    Yes, entire premium has to be paid in advance.
  • How do we do the property valuation for home insurance?
    Property valuation is done by multiplying the built up area of the property with the cost of construction per square feet. Currently the cost of construction is taken around 1500 to 2000 depending on the location of the property and type of construction.
  • Can a HUF / Leased (Mahada/ Cidco) property be insured?
    If you have financial interest in the property as owner or leaser then you can insure the property.
  • What happens after the home insurance claim is registered?
    Surveyor contacts the customer in 48 hours time. Claim form is sent to customer correspondence address within 7 working days time.
Read more ...
Home Insurance 4.2 3270 | 3270 Reviews

Customer Review Summary

Average Rating :   
(Based on 3270 ratings )
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Customers Reviews

Puspashree Mishra
27 Jan 2015,  
Kindly allow saving the drafts before finalizing.
Shweta Thakar
26 Nov 2013,  
Kishor Kumar Pradhan
16 Aug 2013,  
27 Apr 2015,  
Very easy to buy for HDFC customers. Hope the papers are sent on time.
Rajesh Punj
25 Jan 2015,  
1.Purchasing HDFC products is an excellent experience.Keep it up
Hdfcergo Gicltdtst
07 Jan 2014,  
Niranjan Thota
30 Apr 2015,  
Too Good ! Very simple & un-complicated !
Abhijit Ganesh Thakur
24 Nov 2013,  
14 Sep 2013,  
Manjunath V TENGIL
24 Jan 2015,  
Nice experience