• Introduction
  • What's Included?
  • What's not Included?
  • Why Choose HDFC ERGO?
  • FAQs

Standard Fire & Special Perils

Did you know that a majority of Indian buildings do not comply with the specified safety guidelines and hence are highly prone to natural and man-made disasters? But, fret not! We promise to compensate you in case such an unforeseen event occurs. With standard fire and special perils insurance policy, be secured against unpredictable events such as floods, riots, strikes etc.

Your home is your security blanket! Why not protect it?

One insurance; big discounts
What’s better than getting one comprehensive and completely customisable insurance plan? Getting it on a 50% discount! Now secure your assets while saving big with the right home insurance plan.
Bigger properties Higher Coverage
Depending on the size of your requirements, you get the flexibility to choose the coverage amount that you think is enough. Choose a befitting number anywhere between 1 lakh to 3 crores and keep your home secured against threats.
Stay protected for up to 15 years
Your happy place calls for special protection. Secure your home with HDFC ERGO home insurance plan. Get the peace of mind with a single insurance that lasts up to 15 years.
More responsibilities, increased coverage
Our insurance plan can easily be scaled up to meet the security requirements of a growing housing society. You can now increase the sum insured by 10% at the end of every year.

What’s Included?

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Fire

Just how a fire can’t crumble your spirit, we’ll ensure that fire does not damage your belongings. We will cover it.

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Natural Calamities

You can’t predict natural calamities, but you can protect your possessions against earthquakes, flood, storm, hurricane, etc.

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Human Hazards

Troubled times can affect your homes as well as your peace of mind. Keep it secure against strikes, riots, terrorism, and malicious acts.

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Accidental Damage

In case any damage is caused due to your building due to bursting water tanks or leakage from automatic sprinkler installations, we’ll be sure to compensate for it.

What’s not Included?

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Long term plans

We do not offer long term plans for co-operative housing societies.

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Consequential Loss

Consequential losses are losses that are not the natural result of the breach in the usual course of things, such losses remains uncovered

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Cost of land

We understand your land holds value, however our policy does not pay for the cost of land.

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Property under construction

We cover your home where you stay, any property which is not under possession or is getting constructed remains uncovered.

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Willful Misconduct

We ensure that your unforseen losses are covered, however if there's any case of willfully done damage to your property, that remains completely out of the coverage scope of policy.

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Wear & Tear

We understand your property gradually grows old and faces cracks or needs repairs, however an insurance cover shall not offer coverage for maintainaince of the building.

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

Your insurance cover starts from the commencement date indicated on the policy schedule, this could be any selected date (not later than 15 days) after date of payment of premium.
If you have financial interest in the property as owner or leaser then you can insure the property.
Register your claim within 7 days of hospitalization and send us a duly signed claim form along with all the mentioned documents within 15 days and you are done. The approved claim will be paid within 30 days.
From the time the transfer of ownership becomes effective, the policy stands cancelled & the insured ceases to be an insured under the policy. We will then refund the premium for the balance insured period.
Surveyor contacts the customer in 48 hours time. Claim form is sent to customer correspondence address within 7 working days time.
Yes, the company will pay a maximum of 1% of the total claims amount for debris removal.
Awards & Recognition
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