HDFC ERGO Home Insurance

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3.7 Crore+

Happy Customers#

Cover Against

Burglary and Theft

Covers

Accidental Damages

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24 Years

of Serving India

The clever shield for your home.

HDFC ERGO Home Insurance – Smart cover for your stuff, space, and sanity.

If disaster strikes tomorrow, are you prepared today?

In India, where natural disasters like floods, earthquakes, and cyclones are frequent, securing your home is a wise choice. HDFC ERGO Home Insurance helps you stay protected against damages from such events, along with risks like fire, theft, and burglary ensuring your home stays safe and your hard-earned savings remain untouched during tough times.

Types of Home Insurance by HDFC ERGO

Bharat Griha Raksha

Standard Home Insurance Policy mandated by IRDAI
Covers the building & valuable contents
Waiver of under-insurance
Coverage for Building Under Construction (BUCC)
Auto escalation @ 10% every year

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Home Shield Insurance

All Risk Cover upto 5 years
Coverage for building & valuable contents
Get Loss of Rent and Rent for alternative accommodation
Covers Emergency Purchases upto Rs 20,000
Portable Equipment cover
Base sum coverage increases upto 10%

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Best Home Insurance Plans by HDFC ERGO

Tenant 🛋️

For the Happy Tenants

You may not own the house, but you’ve turned it into a home. Safeguard your belongings and the memories you've created because what’s inside matters just as much as the walls.

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Home Owner 🏠

For Proud Home Owners

You’ve invested in your dream home—now protect it. Safeguard your house and everything inside it from fire, theft, and natural disasters with HDFC ERGO’s reliable home insurance. Peace of mind, ensured.

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What Does A Home Insurance Policy Cover?

What’s covered?

What’s not covered?

🔥 Fire Accidents

A fire can be devastating. We help you recover, rebuild, and restore your home to how it was.

🥷 Thefts and Burglaries

Uninvited threats like theft can strike anytime. We cover your losses and support you in tough times.

⚡ Electrical Breakdown

Electronic appliances may fail without warning. Our policy covers unexpected repair costs to ease the burden.

🌪️ Natural Calamities

Floods or earthquakes strike without notice. We help protect your home and belongings from their damage.

🏠 Alternate Accommodation

If your home becomes unlivable due to damage, we help cover temporary stay costs till you're back.

💥 Accidental Damage

Accidents happen. Our plan protects costly fittings and belongings—ideal for both owners and tenants.

🚧 Man-made Hazards

Riots or acts of terror can harm homes too. We cover such damages, lessening the financial impact.

⚔️ War

Loss or damage due to war, invasions, or enemy actions is not covered.

💎 Precious Collectibles

Items like bullions, coins, stamps, or artworks aren’t covered under this policy.

🧾 Old Content

Possessions older than 10 years won’t be covered, even if they hold emotional value.

⚠️ Consequential Loss

Indirect or resulting losses from an event are not covered by this policy.

🚫 Willful Misconduct

Damages caused intentionally or due to reckless behavior won’t be covered.

🚧 Third-Party Construction Loss

Damages from nearby or external construction work aren't covered.

🧰 Wear & Tear

Routine wear, tear, or maintenance-related damage is excluded from coverage.

💵 Cost of Land

The value or cost of the land your home sits on isn’t covered.

🏗️ Under Construction

Homes still under construction are not eligible for coverage under this policy.

Add-On Coverage Under Home Insurance Plan

It’s not just the big things your little joys deserve protection too. With HDFC ERGO’s wide range of home insurance add-ons, safeguard every nook, corner, and cherished item that makes your house a home.

Belongings

Building

Property

Jewellery

Home Content

Refrigerator

Washing Machine

Electronic Equipment

Perils

Earthquake

Landslide

Fire

Flood

Lightning

Theft

Optional Covers

Portable
Electronic
Equipment
cover

Jewellery &
Valuables

Public Liability

Pedal Cycle

Terrorism cover

Got Any Questions?

Who can buy a home insurance policy?

Any resident Indian who owns or occupies the property can buy a home insurance policy.

Can the policy be canceled? Is premium refundable?

Yes, you may cancel any time. Premium refunds are made on a pro-rata or short-rate basis, depending on policy duration and whether a claim has been made—no refund if a claim is paid.

What perils are covered in the standard plan?

Includes fire and special perils such as floods, lightning, storms, cyclone, riots, vandalism, riot-related damages, burst/overflowing pipes, road vehicle impact, etc.

Is third-party liability included?

Yes, the policy provides personal/public third‑party liability cover in case someone is injured or property is damaged due to insured perils.

How do I file a claim?

Inform HDFC ERGO within 7 days of the incident. Once you submit required documents, they appoint a surveyor who verifies and processes the claim.

How will claim history affect renewal?

Renewal eligibility and pricing may be affected by past claims—ensure accurate declarations and timely renewals.

Does it cover contents inside the home?

Yes. Home Shield/contents insurance covers electronics, furniture, fixtures, and valuables—beyond the structure of the property.

What is the maximum policy tenure?

You can choose a policy for 1 year or opt for long-term plans of 3 to 5 years

Insurance, Now Simplified

Secure Your Home with HDFC ERGO

HDFC ERGO General Insurance Company Limited. IRDAI Reg No : 146 CIN: U66030MH2007PLC177117. Registered & Corporate Office:6th Floor, Leela Business Park, Andheri-Kurla Road, Andheri (East), Mumbai – 400 059. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license. For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale.
UIN: Home shield Insurance - IRDAN125RP0001V01201718

#3.7 Crores+ Happy Customers covers all lines of business, policyholders in motor & corporate lines, lives covered under health, PA & travel, and farmers covered crop insurance as of November 2025

** - Discount may vary as per coverage opted.