Knowledge Centre

Lightning Insurance

Buying a house is probably the most important and expensive investment you undertake during your lifetime. Therefore, it’s crucial to protect it against natural calamities like lightning, earthquake etc. Natural disasters seldom come with a warning. Lightning, especially, poses a major risk to your property as it can cause a fire, damage the wiring, cause short circuits, and ruin electrical appliances. It can also cause damage through power surges. Your personal belongings, such as fittings, furniture, household appliances and other goods may get damaged. In some instances,a house might also have to be rebuilt after getting struck by lightning. And this can prove to be a big blow financial and emotionally.

While there is nothing much you can do to control or prevent such calamities, you can avail a comprehensive home insurance with lightning coverage. Damages caused by lightning won’t just cover the damages done to the structure of the house, but also those damages that are incurred by your personal belongings,like fixtures and fittings, electrical appliances and other possessions. Though lightning coverage is not available as a standalone policy,it can be included in home insurance plans.

Benefits

Since you pour all your life’s savings into buying your dream home,this is the place where you create precious memories with your loved ones and watch your dreams turn into reality. Needless to say, it holds a lot of emotional value. Therefore, it is advisable to take a home insurance policy that provides coverage against lightning too. Such a policy has several benefits

  • It will not just protect the structure of the house, but also its contents

  • You will get comprehensive coverage to protect all your prized possessions, including jewellery, silverware, antiques etc

  • The claims process will be simple and hassle-free, along with 24x7 support

  • Multiple payment options will be available for ease of customers, like net banking, cards, UPI etc

  • Flexible tenure options are available

What's Included?

Fire
Fire

Coverage for the structure of the house as well as electrical equipment and other fixtures and fittings

Burglary & Theft
Electrical and mechanical breakdown

Damage caused by power surges, short circuit or fire caused by lightning

Burglary & Theft
Data loss

All electronic equipment

Burglary & Theft
Restoration

Cost of repair and replacement of electronic and household appliances

Burglary & Theft
Replacement

Alternate accommodation while your home is being restored after the lightning strike

What’s Not Included?

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Wilful negligence

The insurance doesn’t cover damages caused due to wilful negligence of the owners, since the item is insured. Damages caused due to negligence of owners, like mishandling or misuse are not covered

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Precious items

Bullions, coins, artworks etc

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Items more than 1 year old

For televisions that are more than 365 days old from the date of purchase, the insurance is not valid, as the policy needs to be taken within the first year of purchase

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Other reasons

If the fire is caused by something other than lightning

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Non-disclosure of fault

At the time of taking the policy, the insured should provide correct information about the product in a transparent manner. In case any important information is not provided or wilfully hidden, it will not be covered by the insurance

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Wilful destruction

Damages caused wilfully by the owners are not covered under this policy. Breaking or damaging the parts accidently, like dropping them on the floor, are not covered

Why HDFC ERGO?

Secured 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
Why HDFC ERGO?

All the support you need 24x7

We understand that in times of distress, instant help is the need of the hour. Our In-house claims team provides round the clock support to ensure hassle-free claim experience. We ensure to be your constant support system in times of need.
Why HDFC ERGO?

Catering customer needs

Since, last 16 years, we have been catering to endless customer requirements seamlessly, by providing wide range of plans and add on covers for every portfolio.
Why HDFC ERGO?

Transparency at its best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.
Why HDFC ERGO?

Awards

We have received the Best Customer Experience Award of the Year and excellence in financial reporting for the year 2016.
Why HDFC ERGO?

Secured 1 Crore+ Smiles

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. Our In-house claims team provides round the clock support to ensure hassle-free claim experience. We ensure to be your constant support system in times of need.

Catering customer needs

Since, last 16 years, we have been catering to endless customer requirements seamlessly, by providing wide range of plans and add on covers for every portfolio.

Transparency at its best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.

Awards

We have received the Best Customer Experience Award of the Year and excellence in financial reporting for the year 2016.

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Frequently asked questions

A homeowner can cover the structure of the house as well as fixtures, fittings and other household equipment. A tenant can only get coverage for the articles inside the home (his personal possessions)
The only criterion is that the property should be in registered residential premises and should not be under construction
As a paying guest, you can opt for lightning coverage for your belongings, like laptop, mobile, and home appliances that belong to you.
In case you plan to sell the property after a while, you can always opt for a shorter tenure. Of course, the premium amount and the coverage amount may vary accordingly.
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