Our building insurance provides robust protection, from fire coverage to safeguarding against unforeseen damages. It covers the cost of repairing or rebuilding the structure, whether you own a residential building or a commercial property. Building insurance provides financial security by covering the cost of damages that could otherwise lead to significant expenses. This type of insurance typically covers the physical structure, including walls, roofs, floors, and permanent fixtures. Some policies may also include additional coverage options like protection against legal liabilities or accidental damage. Having comprehensive building insurance ensures that you are prepared for unforeseen events, giving you peace of mind and helping you recover swiftly in the event of a disaster. Explore building insurance plans from HDFC ERGO today to find a one that fits your needs.
If your building is located in a flood prone locality or a location where earthquake happens way to frequently then your premium may slightly be on the higher side.
If your building is a bit old and has structural challenges then your premium may be a bit high.
If your building has all the security systems in place then there could be low chances of theft hence your premium may go low in such a scenario.
If your home has quite some valuable content which you choose to insure then in that case your premium may be dependable on the value of the content you choose to insure.
Your home’s total value matters at the time of deciding the premium. If your home’s structure value is high your premium is likely to rise and vice versa. It can also be termed has the market value of your home, because if the market value of your home is high then the sum insured shall also be high.
Worried your home insurance will go waste? Our home insurance plans offers you the flexibility of choosing the tenure. Our Home insurance solutions tenure range from 1 year and goes upto 5 years.
Ever wondered what life would like without your electronic gadgets? We wouldn’t want you to go down that lane. Whether it is your laptop with decades of memories and valuable information or any other electronic equipment, insure them with HDFC ERGO Home Insurance. Stay worry-free!
Fire can annhiliate your dream home. We cover for the damages due to fire so that you can rebuild your home.
Thieves can run away with your precious jewelry or other valuables. You can rest easy if you get them covered
Can't imagine our lives without appliances... insure them to get coverage in event of electrical breakdown
Did you know that 68% of India’s land is prone to drought, 60% to earthquakes, 12% to flood, and 8% to cyclones? You can’t Read More...
Troubled times can affect your home as well as your peace of mind. Keep it secure with our home insurance solutions against strikes, riots, terrorism, and malicious acts.
Just spent a fortune on fixtures and sanitary fittings? Stay worry-free by securing them against accidental damage with our home insurance plans.
Get shifting expenses, rent for alternative/hotel accommodation, emergency purchases, and brokerage in case Read More...
Did you know that 68% of India’s land is prone to drought, 60% to earthquakes, 12% to flood, and 8% to cyclones? You can’t predict natural calamities; but you can protect your possessions against earthquake, flood, storm, hurricane, etc.
Get shifting expenses, rent for alternative/hotel accommodation, emergency purchases, and brokerage in case your home becomes unfit for living because of any covered cause of loss.
Loss/Damages arising of events including war, invasion, act of foreign enemy, hostile. are not covered.
Losses arising out of damage to bullions, stamps, work of art, coins etc. will not be covered.
We understand that all your precious possessions hold emotional value but anything that’s over 10 years old will not be covered under this home insurance policy.
Consequential losses are losses that are not the natural result of the breach in the usual course of things, such losses remains uncovered
We ensure your unforseen losses are covered, however if the damage is willfully conducted then it is not covered
Any damage caused to your property due to third party construction is not covered.
Your home insurance does not cover usual wear and tear or maintaince/renovation.
Under circumstances this home insurance policy shall not cover the cost of land.
Home insurance cover is for your home where you reside any under construction property will not be covered.
Loss/Damages arising of events including war, invasion, act of foreign enemy, hostile. are not covered.
Losses arising out of damage to bullions, stamps, work of art, coins etc. will not be covered.
We understand that all your precious possessions hold emotional value but anything that’s over 10 years old will not be covered under this home insurance policy.
Consequential losses are losses that are not the natural result of the breach in the usual course of things, such losses remains uncovered
We ensure your unforseen losses are covered, however if the damage is willfully conducted then it is not covered
Any damage caused to your property due to third party construction is not covered.
Your home insurance does not cover usual wear and tear or maintaince/renovation.
Under circumstances this home insurance policy shall not cover the cost of land.
Home insurance cover is for your home where you reside any under construction property will not be covered.
Portable elcetronic items including laptop, camera, binoculars, musical equipments; sports gear not only are costly but their absence cxan impact our daily work life, they are covered here but policy excludes equipment that are over 10 years from it's coverage benefits.
Jewellery and valuables refer to ornaments or articles made of gold or silver or any precious metal including diamonds as well as sculptures and watches. This add on cover can be opted for maximum upto 20% of your Home Content (Belongings) sum insured. The loss of your jewellery & valuable would be covered on the basis of the prevailing market value
Under this cover we insure losses to static exercise cycle as well as your pedal cycle with or without gear. It covers losses caused by fire, calamities, theft and accidents. We protect any third party liability to a person or property caused by your insured pedal cycle. However, exclusively if your pedal cycle’s tyres only are stolen or damaged it remains uncovered.
Due to a terrorist attack if your home structure/content gets destroyed we cover it
Why choose Home Shield Insurance?
Car Insurance 
Bike/Two Wheeler Insurance 
Health Insurance 
Pet Insurance
Travel Insurance 
Home Insurance 
Cyber Insurance 
Third Party Vehicle Ins. 
Tractor Insurance 
Goods Carrying Vehicle Ins. 
Passenger Carrying Vehicle Ins. 
Compulsory Personal Accident Insurance 
Travel Insurance 
Rural 
Critical illness Insurance 
