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Terrorism Insurance under Home Insurance

The most cherished place we hold close to our hearts is our home. Hence, it is vital to invest in a home insurance policy to get coverage against any damage or loss to its structure and/or its contents. Adding optional coverage, like terrorism coverage, to the standard home insurance policy can benefit you in many ways. Considering the rising risks of such unforeseen events, this add-on might just be exactly what your home insurance policy lacks. HDFC ERGO offers terrorism cover with its home insurance plans.

Benefits Terrorism Coverage Under Home Insurance

Opting for the terrorism cover add-on under home insurance has tons of major perks, such as;

Benefits	Details
Covers such high-severity events	Terrorist attacks are high-severity risks that no one can account for in advance. The terrorism cover under home insurance ensures your home is protected against losses caused by such an unfortunate event.
Financial protection	Terrorist attacks can cause severe damage/loss to your residence. Thankfully, the coverage offered under this property insurance add-on pays for the cost of repairs and replacements, making sure that there’s no need for you to deal with the resulting financial burden from your pocket.
Ensures uninterrupted dwelling	With the comprehensive damage protection and hassle-free claim settlements under the policy, you can take the necessary measures to ensure your home gets back in shape after being affected by the insured peril.
Peace of mind	The chances of your home being affected by a terrorist attack may be low, but not zero. Hence, by investing in this insurance cover, you can get coverage against such catastrophic events, ensuring peace of mind.

Importance of Terrorism Coverage Under Home Insurance

Investing in terrorism coverage under home insurance is widely recommended for homeowners. This cover is important because it is.

Excluded from standard plans

In most cases, the standard home insurance plan doesn’t include coverage for damages/losses to the home caused by terrorism. So, this means you will have to deal with any damage caused by such events to your home on your own, which can be financially and mentally frustrating. Hence, it is important to opt for a home insurance plan with in-built or add-on terrorism cover.

Better to be safe

No one can know or predict what the target of a terrorist attack will be. Such barbaric events can take place anywhere and at any time. Hence, it is important to invest in terrorism coverage under home insurance, as it is always better to be safe than sorry.

Rising risks of terrorism

Unfortunately, our country has a higher “at-risk” profile when it comes to terrorist attacks. As residents of India, we must be vigilant against such risks at all times. As homeowners, one of the best ways to ensure that is by investing in terrorism coverage under home insurance.

Protection against major financial strain

Terrorist attacks are often associated with catastrophic damage. This means that any damage or loss to your home caused by such events can lead to major financial strain. To reduce the risk of being financially exposed to such losses, it is important to invest in this cover.

Security for your asset

As a homeowner, your home is one of your most expensive assets. Hence, protecting it against all possible risks is necessary. Enhancing your home insurance policy with terrorism cover is one way to achieve that.

Understanding Coverage Offered by Terrorism Insurance

What’s Covered?
What’s Not Covered?

Here are the things covered by the terrorism coverage under home insurance;

Damages due to an act of terrorism

Under this coverage, the policy will cover physical damage or physical loss caused by an act of terrorism.

Damages/losses resulting from defensive measures

It also includes coverage for damage, loss, cost or expense caused directly by the action taken by our government or military authority to control, prevent, suppress or minimise the consequences of the act of terrorism.

Here are some of the things that are not covered by the terrorism coverage under home insurance;

Seizure or legal

The policy doesn’t cover loss by seizure or legal or illegal occupation.

Loss/damage stemming

The plan doesn’t offer coverage for loss/damage stemming from illegal trade or transportation.

Vacation or voluntary abandonment

It doesn’t cover any type of losses or damages caused due to vacation or voluntary abandonment.

Direct or indirect losses

Direct or indirect losses or damages due to biological or chemical emissions are not covered.

Loss or damage

Loss or damage due to computer hacking or the use of electromagnetic weapons is not covered.

Consequential losses

Consequential losses are not covered by the terrorism cover under home insurance.

Note: The above coverage is only for illustration purposes. For specific plan-related inclusions and exclusions, check the policy wordings.

Why Buy Terrorism Insurance from HDFC ERGO?

Here are some reasons why you should get terrorism cover under home insurance from HDFC ERGO;

1. Hassle-free claims:

HDFC ERGO has a straightforward claims process, which ensures prompt claim settlements.

2. Years of trust:

HDFC ERGO has more than two decades' worth of experience and reputation in the general insurance industry. We cater to the various needs of our customers, providing optimal insurance solutions.

3. Round-the-clock support:

You can seamlessly get in touch with our customer executive at the time of distress, no matter the hour. Our 24/7 customer support mechanism is there to answer your queries and guide you through your insurance needs.

4. Transparency:

We, at HDFC ERGO, believe in transparency. We have clear policy documents and detailed premium breakups to help you understand the coverage and what you are paying for.

How to Make a Claim for Terrorism Insurance?

In order to make a home insurance claim under the terrorism cover with HDFC ERGO, you will need to follow these simple steps;

1. Inform: For claim intimation, call us at 022 6158 2020 or send us an email at care@hdfcergo.com to get in touch with our customer service desk.

2. Submit: Upload the paperwork as guided by our agent, like the filled claim form, repair invoices, copy of the insurance policy, photo/video evidence of damage (if required), FIR copy, etc.

3. Inspection: Have the inspection of your home and its damages by our surveyor done as soon as possible.

4. Settlement: After claim submission, wait for its evaluation and approval. Approved claims will be settled with the policyholder accordingly.

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Frequently Asked Questions

1. Is terrorism insurance included under the BGR Policy?

Yes. An act of terrorism is one of the many in-built covers included in the Bharat Griha Raksha home insurance policy.

2. Is terrorism insurance included under the Home Shield Policy?

The Home Shield Insurance Policy doesn’t include terrorism insurance as an in-built cover. You can get in touch with our customer executive to know whether you can buy it as an add-on with this policy.

3. What are the exclusions for terrorism in insurance?

Some of the exclusions under terrorism coverage in home insurance are loss or damage due to legal or illegal occupation or seizure, loss or damage due to acts of illegal trade, loss or damage due to consequences of chemical/biological emission, loss or increased cost due to hoax or threat, etc.