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HDFC ERGO: Your Partner in Protecting Your Home and Possessions

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Published on September 27, 2021. EST READ TIME: 4 minutes

As per several reports, the penetration of home insurance in India is significantly low. Considering the massive amount of homeowners and renters/tenants in our country, it is surprising that people ignore to insure their home and belongings; which they have spent so many years building and accumulating. A comprehensive home insurance covers your home from losses arising due to several types of natural calamities (like, fire or earthquakes) and also many actions associable to humans (like burglary or riots).

Why You Should Buy Home Insurance from HDFC ERGO

HDFC ERGO is one of India’s premier home insurance providers and has revolutionized this segment by introducing unrivalled benefits and offers. They have taken the term comprehensive to a whole new level by providing coverage for areas which were usually left ignored or needed separate policies. Let us examine a few reasons to buy home insurance from HDFC ERGO.

Coverage for Owners and Tenants

For the longest time it was presumed that home insurance is only for property owners. Tenants were not even aware that they could secure their home belongings as well. HDFC ERGO provides comfort and peace to both owners and tenants by securing their belongings and home structures (in the case of owners only). It provides comprehensive coverage against:

• Fire

• Theft and Burglary

• Natural Calamities

• Manmade Hazards

• Accidental Damage of fixtures and fittings

• Alternate Accommodation in case of shifting due to home damage

Contents covered upto Rs. 25 lakhs

Home belongings are not just material objects, they have an emotional connection as well and safeguarding them should be a high priority. Through HDFC ERGO home shield insurance you can choose to cover all your possessions, upto Rs. 25 lakhs, without having to share any specified list of home belongings.

Optional Covers

Although a gamut of risks is already covered in the comprehensive policy, there are several optional covers that can be added one. For example:

• Portable Electronic Equipment Cover - for covering a multitude of portable electronics under 10 years old. These include cameras, laptops, music players etc. This is particularly valuable for people who are on-the-go and travel a lot. Please read the details at the HDFC ERGO site.

• Jewellery & Valuables Cover - for covering your jewelry and accessories made of precious metals or stones. This is particularly valuable in case of a theft at home. Please read the details at the HDFC ERGO site.

• Terrorism Cover - for covering home structure (for owners) and belongings for owners and tenants in case of damage due to an act of terrorism. This is particularly valuable for people living in terrorism sensitive areas. Please read the details at the HDFC ERGO site.

Award Winning Service

HDFC ERGO provides 24x7 support which has been recognized in many forums and received several accolades. One of the big reasons for this is their hassle-free, transparent and prompt claims processing and disbursal mechanisms.

Convincing & Affordable Premiums at HDFC ERGO Home Shield Insurance

A home and its belongings are usually an amalgamation of a lifetime’s efforts and labor. It is vital to have them protected from unforeseen damages and loss. HDFC ERGO allows you to opt for coverage from 1 to 5 years with convincing and affordable premiums and associated tenure benefits. More details regarding premiums related to type and nature of coverage and tenure can be conveniently found at the HDFC ERGO site.

Upto *45% Discount for HDFC ERGO Home Shield Insurance

Another incentive that HDFC ERGO offers to encourage people to protect their homes and belongings is discounts on the home insurance premiums. In fact you can avail a plethora of discounts up to 45% on the premium ranging from security discount, salaried class discount, and long term coverage discount. By visiting the HDFC ERGO website you can checkout all the discounts applicable to you as per your eligibility.

Conclusion

A home is often the most prized possession for anybody. Calamities and mishaps do not come unannounced and the onus is on us to be prepared. Whether it is the home structure or the belongings it contains, they need to be safeguarded against such unforeseeable issues through a comprehensive home insurance policy. With HDFC ERGO as your partner you can rest assured that you are in safe and trustworthy hands, irrespective of whether you are a homeowner or a tenant.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

*Discount may vary as per coverages opted. Content sum insured may vary as per structure value HDFC ERGO General Insurance Company Limited. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Trade Logo displayed above belongs to HDFC LTD and ERGO International AG and used by HDFC ERGO General Insurance Company Limited under license. For more details on the risk factors, terms and conditions, please read the sales brochure/prospectus before concluding the sale. Home shield Insurance- IRDAN125P0001V01201718. IRDAI Reg. No.146 CIN: U66030MH2007PLC177117. UID No.D2-102

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Features and Benefits of Home Shield Insurance Plan

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