Standard Fire and Special Perils Insurance Policy - HDFC ERGO
Standard Fire and Special Perils Insurance Safeguarding your priceless property & possessions
  • - Covers building & contents
  • - Instant online policy with Zero Documentation
  • - Option for One year and Long term Coverage

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Standard Fire and Special Perils Insurance

“It is just not enough to have an insurance cover for your home but what matters is the right home insurance that covers all possible liabilities”

Home, your beloved abode is indeed the most important asset of your life. Your home is delightfully built in with souvenirs and prized possessions handpicked throughout your life.  This place where you have been celebrating memories and emotions together is bound to be very close to your heart, hence to safeguard it from possible hazards it’s important to opt for Standard Fire & Special Perils Policy. An immediate fire breakout may damage the home interiors as well as the contents leaving behind a huge transformation expense, to deal effectively against such unforeseen conditions it’s advisable to opt for HDFC ERGO Standard Fire and Special Perils Insurance for home.    

Though your home is well-constructed, there are several internal as well as external factors that may affect your residence drastically. Buying a home insurance policy with fire safety cover will definitely give peace of mind and help in effective combating against such circumstances.

Why HDFC ERGO for Home Insurance Standard Fire and Special Perils insurance?

  • 24*7 Support
    HDFC ERGO offers round the clock support for convenience and a hassle-free experience. You can call us on 1800 2700 400 or write an e-mail to :
  • Zero Documentation
    You need not go through lengthy procedures for buying online car insurance policy
  • Trusted by Millions
    With over 75 lakhs happy customers, HDFC ERGO is a recognized brand for taking care of your insurance needs. The brand has been assigned ‘iAAA’rating by ICRA indicating its highest claim paying ability.
  • Fair and transparent claim settlement policies
    HDFC ERGO Motor Insurance claims are settled with utmost transparency

Top 5 Reasons to opt for HDFC ERGO Home Insurance Standard Fire & Special Perils

  • Offers 15 year long term cover (Only flat/home owners can avail)
  • Provision for increasing the sum insured by 10% at the end of every year.
  • Housing societies can be covered (For 1 year only)
  • No documentation and hassle free buying procedure.
  • Discount up to 50%

What gets covered under HDFC ERGO Home Insurance Standard Fire & Special Perils?

  • Fire & allied perils and Burglary including theft and larceny under one policy
  • Coverage from 1 Lakhs to 3.0 Crs
  • Structure & household Contents
  • Covers risk against Fire and allied perils enlisted below :
  1. Earthquake
  2. Lightning
  3. Explosion/Implosion
  4. Aircraft Damage
  5. Riot, Strike, Malicious Damage
  6. Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation Loss, destruction or damage directly caused by Storm, Cyclone
  7. Impact Damage
  8. Subsidence and Landslide including Rock slide
  9. Bursting and/or overflowing of Water Tanks, Apparatus and Pipes
  10. Missile Testing operations
  11. Leakage from Automatic Sprinkler Installations
  12. Bush Fire
  • Building – on Reinstatement Value basis which is current cost of construction * floor area
  • Option to cover Terrorism at a nominal premium

(For more details on policy coverage, please refer policy wording section)

What does not get covered under HDFC ERGO Home Insurance Standard Fire & Special Perils?

  • Losses arising out of Burglary, theft. Housebreaking, larceny
  • 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.
  • Loss, destruction or damage to the stocks in Cold Storage premises caused by change of temperature
  • 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
  • Any Loss or damage occasioned by or through or in consequence directly or indirectly due to Earthquake, Volcanic eruption or other convulsions of nature if Earthquake as Add on cover is not opted.

(For detailed terms and conditions please refer policy wording section)


Standard Fire and Special Perils Insurance FAQs

  • 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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