Few things in life matter as much to you as your home. After
all, it's the heart of your family, your possessions, your priceless investment
and your memories. Get affordable coverage for your property and possessions against
almost any eventuality.
Now with HDFC ERGO Standard Fire & Special Perils Policy,
you can ensure the trusted protection for your home. Importantly, it is brought
to you by HDFC, a name synonymous with “home” to millions across India, and ERGO,
one of the world leaders in non-life insurance solutions.
WHAT IS COVERED
Fire and Special Perils (a) Building (b) Contents
(i) Earthquake (ii) Terrorism
HOW MUCH TO INSURE
The sum insured for Contents is based on the market value.
Market Value would mean the current cost minus an allowance for depreciation, in
the event of loss/damage.
The reconstruction cost is based on two parameters which
are mentioned below:
You would have to multiply the built up area of the house
with the cost of construction to arrives at the reconstruction cost. Reconstruction
Cost = Built – up area of the house * Cost of construction in your area/ locality.
This policy is designed for:
WHAT IS NOT COVERED
(For a detailed list of exclusions, kindly refer our policy
BENEFITS OF BEING INSURED UNDER
In the event of any claim, call our Toll-free 1800-2-700-700
to 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 we receive full and final documentation, we will process
the claim with prompt turn around times.
For details, kindly refer Policy Wordings.
Disclaimer: The above is descripti