पावसामुळे तुमच्या आनंदावर विरजण नको. एचडीएफसी एर्गोच्या मॉन्सून इन्श्युरन्स कव्हरेजसह तुमच्या घराचे संरक्षण करा
आत्ताच खरेदी करा
तुमच्या घरासाठी मॉन्सून इन्श्युरन्स कव्हरेज
Our home is more than just a few walls and a roof above our heads. It is the place that shelters us from all kinds of troubles and lets us live a relaxed life alongside our favourite people and things. However, it is not resistant to damages and losses caused by unfortunate events. Such issues become persistent during the monsoon season when the risk of storms, floods, landslides, etc., remains high. To protect your home and its contents from such damages/losses, consider investing in monsoon insurance coverage. You can easily get affordable and feature-packed monsoon insurance coverage for your home online from HDFC ERGO.
तुमच्या घरासाठी मॉन्सून इन्श्युरन्स कव्हरेज प्राप्त करण्याचे लाभ
There are several benefits of investing in monsoon insurance coverage for home, such as;
| लाभ | तपशील |
| Secures your home and belongings | With monsoon insurance coverage, you can secure not only your home structure but also your cherished home contents against various perils. |
| Offers elaborate protection | Worried about storms, floods, landslides, etc., messing with your home during monsoon? Well, fret not. The monsoon insurance coverage for home covers against damages caused by natural calamities alongside man-made hazards, theft & burglaries, fire accidents, etc. |
| Keeps you financially afloat | पावसाळ्यात तुमच्या घराचं आणि/किंवा घरातील सामानाचं झालेलं नुकसान आणि हानी भरुन काढण्यासाठी मोठ्या खर्चाचा भार सहन करावा लागू शकतो. अशावेळी तुमच्या घरासाठी असलेला मान्सून इन्श्युरन्स कव्हर निश्चितच वरदान ठरतो. कोणत्याही प्रकारचा आर्थिक ताण सहन न करता तुम्ही अशा नुकसानीची काळजी घेऊ शकता. |
| Ensures the roof above your head | If your home becomes unfit for living due to a covered peril, the policy may cover the expenses of alternate accommodation. So, you don’t have to worry about finding temporary shelter during the monsoon. |
| Provides liability protection | Wet floor after heavy rainfall? Muddy garden area? All these situations can increase the risk of an accident on your property. If such an accident happens where a third party gets hurt, the monsoon insurance coverage will handle the arising liabilities. |
| Removes worries | The extensive coverage and financial assistance under monsoon insurance coverage remove various worries that a homeowner may face during the monsoon season. It offers the right peace of mind and is key to living stress-free. |
Secure your home and contents from the increased risk of floods and landslides during the monsoon. Get monsoon coverage for your home today.
तुमच्या घरासाठी मॉन्सून इन्श्युरन्स कव्हरेजची प्रमुख वैशिष्ट्ये
This table notes some of the most essential features of the monsoon coverage for your home and its contents.
| प्रमुख वैशिष्ट्ये | तपशील |
| Home structure coverage | Up to INR 10 crore of coverage for the home structure |
| Belongings coverage | Up to INR 10 crore coverage for the structure of the home |
| Home contents coverage | Up to INR 25 lakhs of coverage for belongings |
| ॲड-ऑन्सची निवड | Offers a list of 5 practical add-ons to choose from |
| Extra discounts | Impressive discounts of up to 45% |
| अतिरिक्त कव्हरेज | 15 types of belongings & perils covered |
एचडीएफसी एर्गोद्वारे तुमच्या घरासाठी मॉन्सून इन्श्युरन्स कव्हर
Don’t know which monsoon insurance plan to get for your home? Well, here are the choices offered by HDFC ERGO;
For Tenants
ज्याचं स्वतःच्या मालकीचं घर नाही. मात्र, भाडेकरु म्हणून राहत आहेत, अशा व्यक्ती देखील आपल्या घरासाठी मॉन्सून इन्श्युरन्स कव्हरेजचा विचार करू शकतात. या प्लॅनसह, ते घरातील सामानासाठी कव्हरेज मिळवू शकतात.
For Home Owners
स्वत:च्या मालकीचं घर असलेल्या व्यक्ती त्यांच्या घरासाठी मान्सून इन्श्युरन्स कव्हर निवडू शकता. या प्लॅनसह, ते त्यांच्या घराच्या संरचनेचे आणि/किंवा त्यातील सामानाचे विविध अनावश्यक नुकसान/हानीपासून संरक्षण करण्याची निवड करू शकतात.
Understanding Coverage Offered by Home Insurance
The monsoon insurance coverage for home is an extensive one. It generally covers;
आगीचे अपघात
The monsoon insurance coverage for homes doesn’t let fire accidents ruin your abode. It covers losses caused by fire accidents and helps rebuild and restore your home.
थेफ्ट आणि बर्गलरी
Worried about thieves? The monsoon insurance coverage for home also secures your house and its contents against losses arising out of theft & burglaries.
Electrical Breakdowns
Damages caused by power surges, short circuits, etc., are also covered under the plan.
मानवनिर्मित संकट
While natural calamities are an issue during monsoon, man-made hazards also remain a huge risk. The policy covers your home and/or its contents against such events, like riots, strikes, malicious damage, etc.
Alternate Accommodations
If your home becomes unlivable due to damages caused by an insured peril, the policy may take care of temporary living expenses until it is fixed.
अपघाती नुकसान
In case of accidental damage due to any unintentional and unexpected external action, the monsoon insurance coverage for a home will handle the losses.
नैसर्गिक आपत्ती
Monsoon is when the risk of storm, cyclone, flood, landslide, etc., remains high. The policy covers such events alongside other natural calamities like earthquakes, rockslides, etc.
While the monsoon insurance coverage for home has elaborate coverage, there are some things it doesn’t cover, such as;
युद्ध
The monsoon coverage for home does not cover losses/damages caused by events of invasion, war, foreign enemies, etc.
मौल्यवान संग्रहणीय वस्तू
The home insurance for monsoon does not cover losses resulting from damage to works of art, coins, stamps or any other precious collectables.
जुना कंटेंट
If any content is older than 10 years, the home insurance for monsoon will not cover its damages/losses.
परिणामी नुकसान
The monsoon insurance coverage for the home does not include consequential loss.
जाणीवपूर्वक गैरवर्तन
In case of intentionally caused damages/losses, the monsoon insurance coverage for home will not cover it.
थर्ड पार्टी कन्स्ट्रक्शन लॉस
Damages/losses to your home and/or its contents caused by any third party construction will not be covered under the policy.
नुकसान
The monsoon insurance coverage for home doesn’t cover usual wear and tear or maintenance/renovation.
जमिनीची किंमत
Under the scenarios, the monsoon insurance coverage for a home will not cover the cost of land.
निर्माणाधीन
Properties that are currently under construction will not be covered under the monsoon insurance coverage for homes.
Don’t let the unpredictable monsoon weather wash away your savings. Easily fix damages to your home with the financial coverage under home insurance for monsoon.
तुमच्या घरासाठी मॉन्सून इन्श्युरन्स अंतर्गत ॲड-ऑन कव्हरेज
Need to extend your coverage scope for more elaborate protection during monsoon? Well, consider these add-ons with home insurance for monsoon;
1
पोर्टेबल इलेक्ट्रॉनिक इक्विपमेंट कव्हर
No need to worry about damaging or losing your portable electronic equipment, like laptops, cameras, etc., while travelling. This add-on covers its cost of repair/replacement.
2
पेडल सायकल कव्हर
Cover your exercise bike or bicycle with this add-on to stay secured against damage/loss due to theft, natural calamities, fire accidents, etc. It also covers third-party liabilities caused by the insured bicycle in an accident.
3
ज्वेलरी आणि व्हॅल्युएबल्स कव्हर
This add-on secures your jewellery and other valuables like watches, paintings, sculptures, etc. If they are damaged or stolen, the cover will offer a sum assured of up to 20% of the value of the belongings.
4
पब्लिक लायबिलिटी
A sum insured of up to INR 50 lakhs is offered with this add-on to cover third-party damage/injury occurring on account of your home.
5
टेरिरिजम कव्हर
This add-on covers losses/damages sustained by your home due to a direct terrorist attack or defensive measures taken by the authorities.
How to Buy Monsoon Insurance Coverage for your Home from HDFC ERGO?
एचडीएफसी एर्गोकडून तुमच्या घरासाठी मॉन्सून इन्श्युरन्स कव्हरेज ऑनलाईन खरेदी करण्यासाठी, तुम्हाला फॉलो करावयाच्या स्टेप्स येथे आहेत ;
1. Go to the official page of HDFC ERGO monsoon insurance for home.
2. Choose “Buy Now” and pick whether you want the policy for homeowners or tenants.
3. Pick whether you want to cover the home structure and/or contents,
4. Fill in all the necessary details, such as the market value of your home, building age, preferred policy tenure, add-ons, etc.
5. Get the premium of the monsoon insurance coverage for home and pay it online to confirm the purchase.
How to Renew Monsoon Insurance Coverage for your Home from HDFC ERGO
Renewing monsoon insurance coverage for your home from HDFC ERGO online is a simple task. Here are the steps for it;
1. Visit the official HDFC ERGO website,
2. Click on “Renew” and enter the full policy number of the existing plan.
3. Select the plan for renewal and make the needful adjustments (if any).
4. Pay the renewal price of the online monsoon insurance coverage for home to complete the renewal.
क्लेम कसा करावा तुमच्या एचडीएफसी एर्गो कॉन्डो इन्श्युरन्स साठी?
एचडीएफसी एर्गोसह कॉन्डो इन्श्युरन्स क्लेम करण्यासाठी, तुम्हाला काय करावे लागेल हे येथे दिले आहे ;
1. Register your claim with HDFC ERGO by calling the helpline no. 022 6158 2020 or by sending an email to the customer service desk at care@hdfcergo.com.
2. क्लेम सूचित केल्यानंतर, आमच्या अधिकाऱ्याने निर्देशित केल्याप्रमाणे पुढील सूचनांचे पालन करा,
3. क्लेमसाठी आवश्यक डॉक्युमेंट्स जसे की नुकसान, ॲसेट रजिस्टर/लॉगबुक/आयटम लिस्ट, पॉलिसी किंवा अंडररायटिंग बुकलेट, सर्व लागू सर्टिफिकेट, एफआयआर कॉपी (लागू असल्यास), योग्यरित्या भरलेला आणि स्वाक्षरी केलेला क्लेम फॉर्म इ.,
4. डॉक्युमेंट सबमिशन नंतर, एचडीएफसी एर्गो क्लेम व्हेरिफाय आणि प्रोसेस करेल आणि लवकरात लवकर सेटल करेल.
Need to make a claim for your HDFC ERGO home insurance with monsoon coverage? Here are the steps for it;
Call the toll-free number 022 6158 2020 or send an email to care@hdfcergo.com to register your claim.
2. After that, our team will assist you through the process.
3. During the claim, you may be required to upload/submit a few documents, such as policy booklet, filled-up claim form, FIR copy (if applicable), etc.
4. Wait for the final decision. You will be notified whether the claim has been approved or denied.
You may not control natural calamities, but you can protect your home from their ill effects. With home insurance for monsoon calamity, stay secure against floods, earthquakes, landslides, etc.
Why Do I Need Monsoon Insurance?
There are so many reasons why you need to invest in monsoon insurance for your home, such as;
1
Increased risk of damage
दुर्दैवी घटना कधीही घडू शकतात, तरीही पावसाळ्यात पाण्याचे नुकसान, गळती, भूस्खलन, पूर, शॉर्ट सर्किट इ. चा धोका वाढतो. अशा नुकसान/हानीपासून तुमच्या घराचे संरक्षण करण्यासाठी, तुम्ही मॉन्सून इन्श्युरन्समध्ये इन्व्हेस्ट करणे आवश्यक आहे.
2
Financial safety
पावसाळ्यासाठी होम इन्श्युरन्स घराच्या संरचनेसाठी ₹10 कोटी पर्यंत आणि सामानासाठी ₹25 लाखांपर्यंत कव्हर करते. त्यामुळे, जर तुमच्या घराची संरचना आणि/किंवा सामानाचे इन्श्युअर्ड धोक्यामुळे नुकसान झाले असेल तर पॉलिसी तुमच्या सेव्हिंग्सवर परिणाम न करता त्यांना बदलण्यास/दुरुस्ती करण्यास मदत करेल.
3
एकूण कव्हरेज
Besides covering natural calamities, the extensive coverage of home insurance for monsoon covers other perils like theft & burglaries, accidental fires, man-made hazards, liabilities, etc.
4
Worry-free living
समजा कव्हर असलेल्या धोक्यामुळे झालेल्या मोठ्या नुकसानीमुळे तुमचे घर राहण्यायोग्य राहिले नाही. अशा प्रकरणांमध्ये, पावसाळ्यात पर्यायी तात्पुरत्या राहण्याची व्यवस्था करणे त्रासदायक आणि महाग ठरू शकते. परंतु पावसाळ्याच्या आपत्तीसाठी होम इन्श्युरन्ससह, असे खर्च सहजपणे कव्हर केले जाऊ शकतात, ज्यामुळे तुमच्या डोक्यावर छत असल्याची खात्री होते.
पावसाळ्यात तुमचे घर कसे सुरक्षित ठेवावे?
Need advice on how to safeguard your home during monsoons? Well, here are some handy tips;
1
जलरोधक
The first precautionary step you can take is to waterproof your wall and roof with waterproof coating. This can help reduce water seeping through cracks and crevices.
2
Repair pipes
Make sure to clear drains and repair old pipes so water can flow smoothly, ensuring no accumulation or stagnant water.
3
Check wiring
Check for exposed wiring around the house. They can pose a serious threat of electrocution and electrical fire if they come in contact with rainwater.
4
Assess openings
Check that the openings in your home, such as doors and windows, are properly sealed when closed. If not, they can let rainwater enter your home and cause damage.
5
Replace heavy furnishings
Change heavy furnishings with light curtains to allow maximum sunlight to enter your home. This will keep your home fresh and reduce humidity.
Precautions to take during the Monsoon Season
Here are some general tips and precautions to take during the monsoon season;
1. Avoid the accumulation of stagnant water in or around your house.
2. Don’t get wet in the rain too often.
3. Keep an umbrella or a raincoat with you at all times.
4. Be careful covering roads filled with rainwater, as they might have potholes.
Read Latest Blogs on Monsoon Insurance
Frequently Asked Questions on Monsoon Insurance Coverage
1. How to stay safe during a monsoon?
पावसाळ्यात सुरक्षित राहण्यासाठी, पावसात वारंवार ओले होणे टाळा, तुमच्या घरात/जवळ स्थिर पाणी जमा होत नाही याची खात्री करा, पाण्याने भरलेले रस्ते ओलांडताना काळजी घ्या इ. घरगुती सुरक्षेच्या बाबतीत, तुम्ही वॉटरप्रूफिंग वापरणे, किरकोळ दुरुस्ती करणे इ. सारख्या सावधगिरीचे उपाय करू शकता. तसेच, पावसाळ्यासाठी होम इन्श्युरन्समध्ये इन्व्हेस्ट करण्याची शिफारस केली जाते.
2. What is monsoon insurance?
The monsoon insurance of home is a type of home insurance policy that is designed to keep your home and/or its contents safe against various perils, including high risk of floods, water leakage, landslides, etc., during the monsoon season.
3. What is weather-based insurance?
हा एक प्रकारचा इन्श्युरन्स आहे जो विशिष्ट प्रकारच्या हवामानापासून संरक्षित करण्यासाठी डिझाईन केलेला आहे. एचडीएफसी एर्गोच्या होम इन्श्युरन्ससह, तुम्ही केवळ पावसाळ्यातच नाही तर कोणत्याही हंगामात तुमचे घर आणि त्यातील कंटेंटचे संरक्षण करू शकता.
4. What are the essential covers for monsoon protection?
Some of the essential home insurance for monsoon covers include coverage against floor damage, short circuit, furniture damage, structural damage, water leakage, etc.
5. What is the price for monsoon insurance coverage?
मॉन्सून इन्श्युरन्स कव्हरेजची किंमत तुम्हाला हव्या असलेल्या कव्हरेजच्या प्रकारानुसार बदलते, निवडलेले ॲड-ऑन्स, घराच्या संरचना आणि कंटेंटचे मूल्य, घराचे वय इ. तुम्ही एचडीएफसी एर्गोवर मॉन्सूनसाठी होम इन्श्युरन्सवर कोट्स मिळवू शकता.
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हेल्थ इन्श्युरन्स 
ट्रॅव्हल इन्श्युरन्स 
कार इन्श्युरन्स 
सायबर इन्श्युरन्स 
क्रिटिकल इलनेस इन्श्युरन्स
पेट इन्श्युरन्स
बाईक/टू-व्हीलर इन्श्युरन्स 
होम इन्श्युरन्स 
थर्ड पार्टी व्हेईकल इन्श्युरन्स. 
ट्रॅक्टर इन्श्युरन्स 
गुड्स कॅरिंग व्हेईकल इन्श्युरन्स. 
पॅसेंजर कॅरिंग व्हेईकल इन्श्युरन्स. 
कंपलसरी पर्सनल ॲक्सिडेंट इन्श्युरन्स 
ट्रॅव्हल इन्श्युरन्स 
रुरल 
