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 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.
Please note that the above-mentioned benefits are illustrative refer to policy documents of Home Shield Insurance for More details
While it depends on the type of cover you pick, the home contents insurance policy usually does not offer coverage for;
Property under construction or Kutcha construction cannot be covered under this policy. Make sure your home is not “under construction” status to be eligible to apply for this policy to safeguard your home contents.
Both old and brand-new items make up the contents of a home. However, damages or losses sustained by content that is over 10 years old will not be covered under this plan.
We make sure that accidental damages, be it man or nature-caused, are covered under the home contents plans. However, damages or losses sustained by your precious content due to willful misconduct are not covered under the policy.
Losses or damages caused by overloading or strain, overrunning excessive pressure, or electronic, electrical, and mechanical items may not be covered under the home contents insurance. Be sure to go through the policy inclusions and exclusions carefully.
Precious collectables, such as artwork, vintage coins, old stamps, etc., have a value of their own. However, damages to such contents are usually not covered under this policy.
If you want to purchase home contents insurance from HDFC ERGO, you can do that online by following these simple steps;
1. Visit the official home contents insurance page by HDFC ERGO,
2. Click on “Buy Now” at the top of the page,
3. Select between “home owner” and “tenant”, whichever is applicable in your case, from the “home cover for” section,
4. Choose between “content” or “structure and content” from the “I want to cover” section, and press “Continue”,
5. Provide the necessary details, including the value of your belongings, whether you are salaried or not, and the available security measures in your home, and click “Proceed”,
6. Fill in your contact details, including your name, email address and phone number, and press on the “Proceed” option,
7. Select the type of home plan you want, choose the policy tenure, and optional covers (if needed) and click “Proceed”,
8. Enter additional details, such as PAN card number, your full name, property address, etc., and click “Next”
9. Finally, verify the home contents insurance policy and pay the premium online to complete the plan purchase.
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;
1. Go to the official HDFC ERGO homepage,
2. Navigate to and click on the “Renew” tab,
3. Enter the policy number of the existing home contents insurance plan,
4. Fill in the required details,
5. Review and verify the plan details,
6. Pay the premium online to complete the home contents insurance renewal.
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;
1. Initiate/register the home contents insurance claim by contacting the insurer via the official helpline number. 022-6234-6234 or email at care@hdfcergo.com,
2. Follow the further instructions as given by our team at HDFC ERGO,
3. You will have to provide a handful of documents as part of the claims process, which may include a duly filled and signed claim form, policy booklet, photographs of the damage, repair invoices, first report copy (if applicable), etc.,
4. Extend your cooperation and assistance in case a surveyor is appointed by the insurer in order to survey and evaluate the loss/damage,
5. Wait for further instructions and follow them to a tee.
Upon approval of the claim, the company will offer you reimbursement for your losses.
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.
Yes. Your clothes and other belongings also get covered under 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.
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