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     2938 Ratings | 2938 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

  • Home insurance that provides safety and protection to your valuable property and possessions
  • A home insurance policy that protects not just your home structure but the household contents too
  • Insurer has to mandatorily choose the fire cover whereas Burglary is an optional cover that is offered at a low cost that includes theft and Larceny
  • Discount upto 25% on the fire section and 15 % on the burglary section
  • Sum Insured is decided based on reinstatement value
  • More discounts on premium can be availed by the insurer on deletion of risks like riots/ strikes, flood/storm and earthquake
  • The covers provided are:-
    • Section I(a) Fire and Special Perils -Building (mandatory section)
    • Section I(b) Fire and Special Perils -Contents (mandatory section if Burglary is opted)
    • Section II Burglary including theft and Larceny -Contents

Key features of Home Insurance

  • Applicable to any residential building with RCC/ RBC/ Tiles/ACC roof and walls of burnt brick /stone /concrete
  • Covers building against risks like –Fire, Lightning, Explosion / Implosion, Storm, Flood, Riots, Strike Malicious Damage, Earthquake, Terrorism (optional)
  • An individual with an independent house or a flat can opt for this benefit
  • Sum Insured for this benefit is calculated as cost of construction x Built up area
  • Value of land is not included in the Sum Insured
  • Discounts can be availed on deletion of risks like terrorism, riots/ strikes, flood/storm and earthquake
  • Covers articles like consumer durable, furniture, personal belongings specified items etc against fire & allied perils
  • Coverage for contents against risks like fire, lightning, explosion/implosion, storm, flood, riots strike and malicious damage, Earthquake , Terrorism(optional)
  • Sum insured for personal effects like clothing, footwear etc is calculated on market value
  • Further Discounts can be availed on deletion of risks like riots/ strikes, flood/storm and earthquake
  • Covers articles like valuables, consumer durable, personal belongings specified items etc against burglary and theft
  • Sum insured for this cover has to be similar to the fire content section (I b)
  • Discounts up to 15 % are given on appropriate security arrangements like Burglary alarm, 24 hour security, intercom, etc
  • Damage to safe and almirah is covered upto 5 % of the sum insured
  • Only jewellery locked in a safe is covered.

WHAT IS NOT COVERED- HDFC ERGO Home Insurance Exclusion Policy

  • Loss or damage caused by depreciation or wear and tear and consequential loss of any kind
  • Willful destruction of property
  • Following properties not covered:
    • Property under construction
    • Kutcha property / construction
    • Resident cum offices
    • Resident cum shop
    • Resident cum godown
    • Land
  • Loss, destruction or damage caused by war, invasion, act of foreign enemy, hostilities or war like operations (whether war be declared or not), civil war, mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power
  • Loss or damage contributed by nuclear weapons material and/or ionizing radiations
  • Loss, destruction or damage to articles of consumable nature, livestock and motor vehicles
  • Loss, destruction or damage to any electrical machine, apparatus, fixture, or fitting arising from or occasioned by over-running, excessive pressure, short circuiting, arcing, self heating or leakage of electricity from whatever cause (lightning included) provided that this exclusion shall apply only to the particular electrical machine, apparatus, fixture or fitting so affected and not to other machines, apparatus, fixtures or fittings which may be destroyed or damaged by fire so set up
  • Loss of earnings, or other consequential/indirect loss or damage of any kind or description whatsoever
  • Loss caused by burglary and/or housebreaking and/or theft and/or larceny where any member of the Insured’s family is concerned as principal or accessory
  • To securities, documents of any kind, stamps, coins, cash/paper money, deeds, ATM cards, credit cards, charge cards, bonds, bills of exchange, promissory notes, or any other negotiable instrument, books of accounts or any other business books, and explosives
  • To articles of consumable nature, livestock and motor vehicles
  • To curios, antiques, pictures and other works of art, guns, collection of stamps, coins and medals for an amount collectively in excess of Rs. 10,000 unless specifically stated to the contrary in the Schedule
  • To jewellery and valuables in excess of Rs. 10,000 per single article unless stated to the contrary in the Schedule
*Pls note this is not exhaustive list, please refer policy terms & conditions

Eligibility Criteria

The policy is designed for:

  • Individuals residing in flats or independent houses provided that the external walls are of burnt bricks / stone / concrete blocks and RCC / RBC / Tiles / ACC roof
  • Home owners and tenants can opt only contents cover under fire and burglary for one year policy period.

Claim Process

HDFC ERGO is completely driven by the organizational values and philosophy based on:

  • Honesty
  • Integrity
  • Fairness
  • Transparency
  • Commitment
  • The company follows a set standard for fair, just and timely settlement of insurance claims
  • In the event of any claim, call on our toll free helpline no. 1800-2-700-700 (Accessible from India only) to register the claim at the earliest with details of the Equipment damaged, Location of loss, Cause of loss and amount of loss (approx. estimation) and Policy Number for reference
  • On claim registration, a surveyor would be appointed to estimate the loss/ damage, depending on the type of loss viz. Fire/Burglary etc.
  • All claims registered with HDFC ERGO shall be settled in 7 working days from the date of receiving complete documentation


  • What will be the start date of my insurance policy?
    Your insurance cover starts from the commencement date indicated by you or receipt of premium by us, whichever is later
  • What are the eligibility criteria to avail a Multi Year Home Insurance policy?
    Any resident Indian who is the owner of the property & which is located in India can purchase a Multi Year Home Insurance Policy
  • 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
  • What is the maximum tenure of the policy?
    Maximum duration of this product is 5 years
  • How do we calculate the premium?
    Premium can be calculated by multiplying premium rate with sum insured
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Home Insurance 4.2 2938 | 2938 Reviews

Customer Review Summary

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Customers Reviews

09 Apr 2015,  
Maya Shenoi
09 Dec 2013,  
28 Jan 2015,  
Superb Experience
Puspashree Mishra
27 Jan 2015,  
Kindly allow saving the drafts before finalizing.
Pallav Pal
08 Sep 2013,  
Shweta Thakar
26 Nov 2013,  
Himanshu Rai
29 May 2013,  
User Friendly
Shweta Thakar
26 Nov 2013,  
Saaa Asd Asd
19 Aug 2013,  
Nayana Vinod
28 Apr 2015,