3.7 Crore+
Happy Customers
Covers Home Structure
Worth upto ₹10 crore
Attractive Discounts
Up To 45%* Off
Covers Home Belongings
Worth upto ₹50 lacs
Home Contents Insurance Coverage for Your Home
This festive season protect the contents of your house that make it a home. Our home content insurance provides coverage for your valuable items, from electronics to precious heirlooms, so you can have peace of mind and stay secured all the time. With our customised plans and numerous add-ons your home’s treasures are protected against any unexpected events.
The HDFC ERGO home contents insurance policy covers home structures and contents up to Rs 10 crore with useful add-on covers like loss of rent, alternate accommodation expenses etc. In addition, Hdfc Ergo Home Shield Insurance provides all-risk coverage for portable electronic equipment.
Do not restrict home insurance cover to protect your home structure, your furniture and fixtures are equally important. Our Home Shield Insurance covers your furniture like sofa, TV unit, wardrobe, bed etc. It will give you peace of mind, as you will not have to pay for repairs if the product develops a fault even after manufacturer’s warranty expires in case the items are insured. Furniture Insurance is a great way to protect your furniture’s long-term value if it ever is stolen or damaged totally/partially. Note that inherent defect or manufacturing defect would be excluded from coverage.
If your washing machine or vacuum cleaner stops, functioning it becomes difficult to manage day-to-day chores. Then, why leave your important electronic equipment’s unprotected? With Home Shield Insurance you can secure electronic equipment such as air conditioner, refrigerator, television etc. seamlessly. If any of your electronic equipment breaks down our Home Shield Insurance pays for the repair expenses.
Your jewellery is an expensive investment and it holds emotional value. Looking at the increase in the number of theft cases it has become important to secure your jewellery with an insurance cover. Not protecting your jewellery against theft is not a wise thing to do, hence we recommend buying home insurance for securing your valuable jewellery.
It is hard to imagine life without laptops, tablets and gaming consoles they not just keep us entertained but also act as a window to connect with the world. But, what if your laptop or camera goes missing or gets damaged accidentally? Buying your expensive gadgets all over again will surely affect your finances; hence secure your portable electronics with home insurance plan that covers content too.
Cycling is indeed a fun-filled activity and it contributes to reducing pollution levels. But, did you know your cycle might get stolen or damaged? Just like your home belongings and structure, your pedal cycle needs care and attention. With HDFC ERGO’s Home Shield Insurance Plan, we cover all your home belongings and pedal cycle under one plan.
Home Content Insurance for Owners
If you own a house and possess electronic equipment, furniture and other important household belongings, you must secure your home content. As an owner you can secure your home structure and protect it against natural calamities and theft similarly, you can safeguard your valuable home content as well. At an additional premium, you can protect your jewellery and pedal cycle too.
Home Content Insurance for Renters
Even if you do not own the house, you do own the content or belongings. Hence, you need to buy home insurance that covers valuable home content. Choosing a contents insurance cover that is right for you can be tricky. To ease your worries and offer complete protection to your home content choose Home Shield Insurance by HDFC ERGO, as it secures home content for tenants and renters seamlessly. At an additional premium, you can protect your jewellery, portable electronics and pedal cycle too.
Home Content Insurance - As 'new' or new for 'old'
This type of home content insurance will reimburse the complete cost of repair in case your insured home content is damaged. However, in the case of theft, the reimbursement will be sufficient to buy similar new content. However, the list of items that are covered under this home content insurance may differ from insurer to insurer. For example, clothes cannot be covered under this type of home content insurance. The premium for this type of insurance plan will remain on the higher side.
Home Content Insurance on Indemnity basis
This type of home content insurance plans are cheaper because reimbursements in this category are fixed after considering the wear and tear or depreciation of the content. Like, claim on a five-year-old Digital Camera will depend on its current market value and not the purchase price or invoice value. Our Home Shield insurance plan covers repair expenses in case of partial damage and pays for the depreciated value of your content in case of a total loss.
Please note that the above-mentioned benefits are illustrative refer to policy documents of Home Shield Insurance for More details
When it comes to securing your home content go for a brand that has to have claim paying ability and can be beside you at the time of need. HDFC ERGO has secured #3.7 crores+, happy customers, by providing the right set of insurance plans and settled claims with utmost ease and transparency. With 24x7 customer support and in-house claim settlement team, we are all ears when it comes to resolving your queries.
It is advisable to cover your home content with an all-round home content insurance plan for complete protection. Home content insurance acts like a safety shield protecting your valuable home belongings. All you need to do is prepare a list of home content you would want to insure and set the current market value against it. It helps in calculating your home content insurance premium. While we emphasize on securing your home structure, it is equally important to protect your inexpensive home content.
Say no to hefty premiums with HDFC ERGO’s Home Shield Insurance. Yes, we do cover your home structure and content both. However, that does not mean you have to spend a humongous amount on securing your most valuable asset. Whether you own a house or stay in a rented space, we cover home content and structure at convincing and reasonable premiums.
Natural calamities do not come with prior notice. In case of a sudden calamity, if your home content gets damaged you do not have to pay for the entire repair and replacement cost out of your pocket. Hence, your finances, which you have saved for your future life goals, remain safe as we cover for the content loss.
You do not have to worry about your valuable home belongings. In case of natural disaster or other events like fire or theft incident, your home content insurance will cover for the losses caused to your belongings, this means you would not need to stress about your home belongings and how you could afford to fix it or replace it. Depending on how comprehensive your policy is, it may cover the cost of rebuilding your home and pay for temporary accommodation during that period.
See what is covered and what is not covered
If you want to purchase home contents insurance from HDFC ERGO, you can do that online by following these simple steps;
If you have an existing home contents insurance plan from HDFC ERGO and want to renew it, here are the steps you need to follow;
The process of filing a home contents insurance claim with HDFC ERGO is very straightforward. Here are the steps you need to follow to get it done;
You can compare quotes offered by different home content insurance companies to pick your most suited plan. While comparing do not just consider the premium as the right measure, you must also look at the scope of cover and value that you get in case of a claim.
If your home is equipped with modern security systems like CCTV camera, 24-x7-house guard and intercom calling facility etc. then your premium for home content insurance will be a little low.
Your occupation also helps in offering a discount. We offer discounts for salaried individuals who are willing to get home content insurance. This does not mean that if you are a self-employed individual or someone who runs a business should not go for home content insurance.
Go digital. Buy home content insurance online and save some bucks. We offer an online discount on your home content insurance plan. Isn’t that amazing?
If you do not possess expensive jewellery or a pedal cycle, you can skip the optional covers to pay a little lower premium for home content insurance.
1
What contents coverage include?
Home content insurance or content cover for home is all about insuring your precious home belongings from natural calamities, theft, fire incident and breakdowns. So that in case of insured damage or loss you do not have to pay for repair or replacement cost out of your pocket.
2
What is the difference between home insurance and contents insurance ?
Home insurance may or may not secure both structure and belongings of your home. However, your home content insurance will secure belongings only and not the structure. Our Home Shield Insurance secures both home structure and content.
3
Does home content insurance cover my clothes??
Yes. Your clothes and other belongings also get covered under home content insurance.
4
I live in a rented home. Can I buy a home content insurance?
Yes absolutely. Home content insurance is not limited to homeowners even if you stay in a rented accommodation you can cover your home assets under home content insurance.
5
What are the minimum and maximum policy term?
Our insurance plans provide the flexibility to choose an insurance tenure depending on your requirements. It starts at 1 year and goes up to 5 years.
6
Can I buy home content insurance online?
Of course. You can buy home content insurance online without any hassle. In case you need some more details, you can call on our customer support number for more assistance.
7
How easy is the claim process for home content insurance?
Your home content insurance claim process depends upon the type and nature of the claim. Under any circumstances, evidence of the event that has happened along with the insured content document is all that we need at the time of claims. However, in case if we require more documents our claims team will assist you for the same.
8
Do owners compulsorily have to secure both structure and content?
Not really, owner can take either Structure cover or home content cover. However,, for your peace of mind and financial security, it is preferable to buy insurance covering both structure and content. If you are a homeowner, you can choose to secure both structure & content and anyone as per your wish.
9
Are there any discounts on home content insurance?
At HDFC ERGO, we offer up to 45% discount on home content depending upon the coverage. We also offer an online and salaried professional discount.
10
Can I secure my dad’s property under Home Shield Insurance?
Yes. If you have the valid documents, you too can secure your dad’s property online.
11
What does contents mean in insurance?
Content includes Furniture, Fixtures, Fittings, Cupboards Including Inbuilt Cupboards, Electrical Fittings, Sanitary Fittings ,Electrical and Electronic Appliances, Crockery, Cutlery, Steel Utensils, Clothing & Personal Effects, Drapery, Pedal Cycles , other Household Articles not older than 10 years whilst stored or lying in the Insured’s ”Building”
2023, 2024
2023, 2024
2023
2024
2024
