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Covers Home Structure
Worth upto ₹10 crore
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Covers Home Belongings
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Our home is more than just a few walls and a roof above our heads. It is the place that shelters us from all kinds of troubles and lets us live a relaxed life alongside our favourite people and things. However, it is not resistant to damages and losses caused by unfortunate events. Such issues become persistent during the monsoon season when the risk of storms, floods, landslides, etc., remains high. To protect your home and its contents from such damages/losses, consider investing in monsoon insurance coverage. You can easily get affordable and feature-packed monsoon insurance coverage for your home online from HDFC ERGO.
There are several benefits of investing in monsoon insurance coverage for home, such as;
Benefits | Details |
|---|---|
Secures your home and belongings | With monsoon insurance coverage, you can secure not only your home structure but also your cherished home contents against various perils. |
Offers elaborate protection | Worried about storms, floods, landslides, etc., messing with your home during monsoon? Well, fret not. The monsoon insurance coverage for home covers against damages caused by natural calamities alongside man-made hazards, theft & burglaries, fire accidents, etc. |
Keeps you financially afloat | Fixing and replacing damages and losses caused to your home and/or its contents during the monsoon season can be very expensive.Thanks to the monsoon insurance covers for homes, you can take care of such losses without draining your bank account. |
Ensures the roof above your head | If your home becomes unfit for living due to a covered peril, the policy may cover the expenses of alternate accommodation. So, you don’t have to worry about finding temporary shelter during the monsoon. |
Provides liability protection | Wet floor after heavy rainfall? Muddy garden area? All these situations can increase the risk of an accident on your property. If such an accident happens where a third party gets hurt, the monsoon insurance coverage will handle the arising liabilities. |
Removes worries | The extensive coverage and financial assistance under monsoon insurance coverage remove various worries that a homeowner may face during the monsoon season. It offers the right peace of mind and is key to living stress-free. |
This table notes some of the most essential features of the monsoon coverage for your home and its contents.
Key features | Details |
|---|---|
Home structure coverage | Up to INR 10 crore of coverage for the home structure |
Belongings coverage | Up to INR 10 crore coverage for the structure of the home |
Home contents coverage | Up to INR 25 lakhs of coverage for belongings |
Choice of add-ons | Offers a list of 5 practical add-ons to choose from |
Extra discounts | Impressive discounts of up to 45% |
Additional coverage | 15 types of belongings & perils covered |
Don’t know which monsoon insurance plan to get for your home? Well, here are the choices offered by HDFC ERGO;
For Tenants
Individuals who don’t own their house and are living as renters can consider the monsoon insurance coverage for home. With this plan, they can get coverage for the home contents.
For Home Owners
Individuals who own their place can opt for monsoon insurance cover for his home. With this plan, they can choose to protect their home structure and/or its contents from various unwanted damages/losses.
See what is covered and what is not covered
The monsoon insurance coverage for home is an extensive one. It generally covers;
Need to extend your coverage scope for more elaborate protection during monsoon? Well, consider these add-ons with home insurance for monsoon;
To buy monsoon insurance coverage for your home online from HDFC ERGO, here are the steps you need to follow;
Renewing monsoon insurance coverage for your home from HDFC ERGO online is a simple task. Here are the steps for it;
Need to make a claim for your HDFC ERGO home insurance with monsoon coverage? Here are the steps for it;
Step 1 Call the toll-free number 022 6158 2020 or send an email to care@hdfcergo.com to register your claim.
Step 2 After that, our team will assist you through the process.
Step 3 During the claim, you may be required to upload/submit a few documents, such as policy booklet, filled-up claim form, FIR copy (if applicable), etc.
Step 4 Wait for the final decision. You will be notified whether the claim has been approved or denied.
There are so many reasons why you need to invest in monsoon insurance for your home, such as;
💥 Increased Risk of Damage
Though unfortunate events can strike at any time, monsoon increases the risk of water damage, leaks, landslides, floods, short circuits, etc. To protect your home from such damages/losses, you need to invest in monsoon insurance.
💰 Financial Safety
The home insurance for monsoon covers up to INR 10 crore for the home structure and up to INR 25 lakhs for belongings. So, if your home structure and/or belongings are damaged by an insured peril, the policy will help replace/repair them without affecting your savings.
✅ Overall Coverage
Besides covering natural calamities, the extensive coverage of home insurance for monsoon covers other perils like theft & burglaries, accidental fires, man-made hazards, liabilities, etc.
😊 Worry-free Living
Suppose your home becomes uninhabitable due to major damages caused by a covered peril. In such cases, arranging for alternate temporary living during the monsoon can be annoying and expensive to tackle. But with home insurance for monsoon calamity, such expenses can be easily covered, ensuring you have a roof above your head.
🔥 Fire Accidents
Fires can leave you devastated. Home insurance can assist you in rebuilding and repairing so you do not have to completely shoulder everything on your own.
🏃♂️ Thefts and Burglaries
Nobody wants to think about being robbed, although it can happen to anyone. Home insurance will protect you against financial loss should you fall victim to burglary or theft.
⚡ Electrical Breakdown
Electronic gadgets and appliances are sensitive and sometimes break down for no apparent reason. The home insurance thus will help in covering the unexpected costs of repairs or replacements.
🌊 Natural Calamities
In a country like India, with its frequent floods and earthquakes, the importance of home insurance increases leaps and bounds. It can cover your home and its contents against such eventualities.
🏠️ Alternative Accommodation
If your home becomes uninhabitable due to an insured event, your policy will cover the rent of a temporary place to stay.
💥 Accidental Damage
Accidents happen, and when they do, home insurance can help cover the costs of any damages to expensive fittings and fixtures in your home.
⚠️ Man-Made Hazards
Man-made events like riots or terrorism can cause significant property damage. Home insurance can protect you from the financial burden that comes with these events.
Need advice on how to safeguard your home during monsoons? Well, here are some handy tips;
Waterproofing
The first precautionary step you can take is to waterproof your wall and roof with waterproof coating. This can help reduce water seeping through cracks and crevices.
Repair pipes
Make sure to clear drains and repair old pipes so water can flow smoothly, ensuring no accumulation or stagnant water.
Check wiring
Check for exposed wiring around the house. They can pose a serious threat of electrocution and electrical fire if they come in contact with rainwater.
Assess openings
Check that the openings in your home, such as doors and windows, are properly sealed when closed. If not, they can let rainwater enter your home and cause damage.
Replace heavy furnishings
Change heavy furnishings with light curtains to allow maximum sunlight to enter your home. This will keep your home fresh and reduce humidity.
Here are some general tips and precautions to take during the monsoon season;
Real stories from people who love our products.
1
How to stay safe during a monsoon?
To stay safe during monsoon, avoid getting wet in rain too often, ensure stagnant water doesn’t accumulate in/near your home, be careful when crossing water-filled roads, etc. In terms of home safety, you can take precautionary measures like using waterproofing, doing minor repairs, etc. Also, investing in home insurance for the monsoon is highly recommended.
2
What is monsoon insurance?
The monsoon insurance of home is a type of home insurance policy that is designed to keep your home and/or its contents safe against various perils, including high risk of floods, water leakage, landslides, etc., during the monsoon season.
3
What is weather-based insurance?
It is a type of insurance that is designed to protect against a specific type of weather. With home insurance from HDFC ERGO, you can protect your home and its contents not only during monsoon but any season.
4
What are the essential covers for monsoon protection?
Some of the essential home insurance for monsoon covers include coverage against floor damage, short circuit, furniture damage, structural damage, water leakage, etc.
5
What is the price for monsoon insurance coverage?
The price of monsoon insurance coverage varies depending on the type of coverage you want, selected add-ons, value of home structure and contents, age of home, etc. You can get quotes on home insurance for monsoon on HDFC ERGO.
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