Secure your home against unforeseen damages in your presence as well as in your absence. Get Home Insurance for travellers on HDFC ERGO!
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What is Home Insurance For Travellers?
Home insurance for travellers is a financial instrument that protects your house against a wide range of possible damages both when you are at home and at times when you are travelling. Our home is a special place where we share space with our loved ones while being surrounded by our favourite things and find peace and comfort at the end of the day. Hence, taking the right measures to protect it becomes our key responsibility, especially for individuals who travel a lot. Unanticipated damages, as the name suggests, come unannounced and may cause serious damage to your home and its contents. In addition, you should know that unoccupied homes become more susceptible to certain kinds of damage, such as thefts and break-ins.
This is why investing in home insurance has become a solid necessity for travellers. This type of policy can help secure your home and its belongings against damages caused by natural and man-made calamities, theft and burglaries, electrical breakdowns, accidental damage, etc. By spending a few rupees periodically, you can save yourself from major financial loss and get plenty of other useful benefits.
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Benefits of Home Insurance For Travellers
There are quite a lot of perks of investing in home insurance for travellers. Some of the main ones are;
| Benefit | Description |
| Peace of mind | With home insurance, you be can rest assured that your home and/or its contents stay protected against damages caused by unanticipated events, even when you are far away. This gives you much-needed peace of mind when travelling. |
| Extensive protection | Home insurance covers damages and losses caused by a wide list of incidents, such as accidental damages, theft, fire accidents, etc. Additionally, it can secure both your home and its contents, providing comprehensive protection. |
| Security against natural and man-made damages | With this policy, you don’t have to worry about damages caused to your home and its belongings by natural calamities or man-made hazards, even when you are away from your home. It covers floods, earthquakes, acts of riots, terrorism, etc. |
| Good for the pocket | Without home insurance, you can get buried under the expensive repair and replacement bills when fixing damages to your home and its contents. The financial coverage under this policy lets you take care of such expenses without needing to drain your savings. |
| Liability protection | On the account of your home, if a third-party individual/property suffers injury or damage, the policy can take care of that. Public liability can be added as an optional cover under home insurance for travellers |
| Seamless restoration/management | For frequent travellers, situations that cause their home and/or its contents to be damaged become very difficult to handle, both financially and mentally. With the coverage under this policy, you can seamlessly make the necessary arrangements and fixes without much of a hassle. |
Key Features of Home Insurance For Travellers
For more practicality, home insurance plans for frequent travellers are packed with various essential features. Some of the key features are;
| Key features | Details |
| Home structure cover | Up to INR 10 crore coverage |
| Home contents cover | Up to INR 50 lakhs coverage |
| Essential add-ons | Offers the choice of 5 practical add-ons |
| Discounts | Available discounts of up to 45%* |
| Available additional coverage | Can secure about 15 types of perils and belongings |
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Best Home Insurance Plans For Travellers by HDFC ERGO
Even if you spend less time at home and more time travelling, your precious abode needs optimal protection. HDFC ERGO currently offers the following types of home insurance for travellers;
What Does Home Insurance For Travellers Cover?
The coverage under his policy protects the home and its contents from a wide list of insured perils. The HDFC ERGO home insurance plan generally covers;
Fire Accidents
Fire accidents can cause severe damage to your home and its contents. The policy takes care of damages or losses rendered by such events.
Thefts and Burglaries
Incidents of theft and burglaries are becoming much too common, especially if your house is mostly unoccupied due to your frequent travel needs. The policy handles any loss or damage caused by such events in a prompt manner.
Electrical Breakdown
Electrical appliances and gadgets are prone to breaking down. The policy covers emergency expenses arising out of electrical breakdowns.
Natural Calamities
Nature-caused disasters like tempests, earthquakes, tornados, floods, etc., can cause massive damage to your home. They come unannounced and you can’t do anything to protect your home and its belongings against such events. However, with home insurance, you can get proper coverage for such damages.
Alternate Accommodation
When your travel ends, you find your way back home. But what happens when your home becomes unfit for habitation due to an insured peril? In such cases, the policy may take care of necessary alternate accommodation needs**.
Accidental Damage
Non-deliberate damages to your home contents, fixtures & fittings, etc., due to an accident will be taken care of under the policy.
Man-made Hazards
Your home is susceptible to damage or loss caused by man-made events, like terrorism, riots, strikes, etc. The policy covers such events, helping you ease the financial burden in such difficult times.
While home insurance for travellers offers comprehensive protection against a variety of risks, there are certain exclusions. Here’s what the plan doesn't cover;
War
Loss and/or damage arising due to an event of war, invasion, act of foreign enemy, etc., are not covered.
Precious collectibles
Unless specifically declared, loss and/or damage to precious stones, jewellery, bullion, money, etc., are not covered under this plan.
Old Content
While we understand the importance of sentimental value, the policy won’t be covering anything that is more than 10 years old.
Consequential Loss
Losses deemed as consequential losses are not covered under home insurance.
Willful Misconduct
If the damage and/or loss are a result of intentional misconduct or negligence, the policy will not offer any coverage.
Third party construction loss
If the damage and/or loss is rendered due to any third-party construction, it will remain excluded under the plan.
Wear & Tear
Gradual deterioration or general wear and tear caused damages and/or losses are not included under the plan.
Cost of Land
The plan shall not cover the cost of land under certain conditions.
Under construction
Properties that are still under construction cannot be covered under this plan.
Add-On Coverage Under Home Insurance For Travellers
If you need, you can extend your protection by opting for add-ons with the plan. HDFC ERGO offers these five add-ons with home insurance;
1
Public liability
With this add-on, a sum insured of up to INR 50 lakhs is offered to cover financial liabilities arising in case of damage or injury to a third party individual or property on account of your home.
2
Jewellery and valuables
This add-on is specifically designed to cover jewellery and other valuables at home, like paintings, watches, sculptures, etc. In case of theft of or damage to your valuables, a sum assured of up to 20% of its value is provided.
3
Portable electronic equipment cover
Musical equipment, laptops, cameras, etc., are a few examples of valuable electronics that this add-on covers under this plan. This lets you travel worry-free, knowing your electronics will be protected while travelling.
4
Terrorism cover
In the event of damages to your home due to a direct terrorist attack or because of defensive efforts taken by the authorities, the policy shall offer coverage under this add-on.
5
Pedal cycle
Any loss and/or damage to your exercise bike or bicycle is covered under this add-on. It can also cover liabilities arising due to third-party property/individual damage or injury caused by the insured bicycle.
Climatic Changes Can Lead To Severe Damages To Your Home. Take Guard Now And Get A Home Insurance Policy That Secures Your Home & It’s Content
How to buy Home Insurance For Travellers from HDFC ERGO?
Here are the steps you need to follow to buy home insurance for travellers from HDFC ERGO;
1. Click “Buy Now” on the official HDFC ERGO home insurance page,
2. Select the necessary options, i.e., cover for homeowner or tenant, preferred coverage for home and/or home contents, etc.,
3. Fill in your mobile no. and email and press “Continue”,
4. Fill in the necessary details, such as details of the property, structure value, age of building, belonging value, etc.,
5. Choose plan type, sum insured, policy period, and add-ons (if needed), and click “Proceed”,
6. Enter additional information that the page asks for and complete online payment.
How to Renew Home Insurance For Travellers from HDFC ERGO?
Renewing your existing home insurance for travellers from HDFC ERGO is a simple and hassle-free experience. To do so, you need to;
1. Go to the HDFC ERGO official website and navigate to the “Renew” tab,
2. Enter your registered email, mobile no. or policy number to log in,
3. Choose the existing home insurance plan you want to renew,
4. Review your plan and make adjustments as required,
5. Move on to the payment window and pay the premium online to complete the renewal.
How to Make a Claim for Your HDFC ERGO Home Insurance For Travellers?
The steps to making a home insurance claim with HDFC ERGO can be summed up in the following steps;
1. For claim intimation, you can dial the official helpline no. 022 6158 2020 or send an email to care@hdfcergo.com to our customer service desk.
2. After registering the claim, an executive from HDFC ERGO will contact you and give you further instructions that you need to follow.
3. For the claim procedure, you will be required to submit a few standard documents, which may include a policy or underwriting booklet, duly filled claim form, all certificates (as applicable), photo evidence of the damage, invoices for the repair and replacement as well as payment receipts, etc.
4. After submitting everything, the insurer will evaluate the claim, notify you of the outcome and settle it accordingly.
Why do I need Home Insurance For Travellers?
If you own your home, protecting it and its contents becomes your responsibility. And if you are renting your place, then also securing your belongings becomes essential. You can do this by simply investing in a good home insurance plan. Your house and its contents remain susceptible to damages caused by unfortunate events at all times, even when you stay at home or travel frequently. Such damages can lead to major financial loss in order to get the necessary fixes and/or replacements so you can continue your day-to-day life as known to you. Having home insurance gives you the liberty of doing so without draining your personal funds. This policy protects your lovely home and cherished home contents against events like fire, flood, earthquake, accidents, man-made hazards, etc.
Also, note that vacant houses are more susceptible to thefts and break-ins. Additionally, knowing your house and its contents are protected when you’re at home, or travelling gives you the ultimate peace of mind.
Hear from Our happy customers
SITARAM SAH
HOME SHIELD INSURANCE
05 Dec 2024
My HOME SHIELD INSURANCE policy was about to expire and I called up the Call Centre for help and the response was quick and efficient.
MOHANISH CHITNIS
HOME SHIELD INSURANCE
30 Oct 2024
I really want to commend on your excellent and simple-to-understand online interface. Very easy to use. Even knowledge of your executive is excellent. I am happy with my experience.
BALAN BILIN
HOME SURAKSHA PLUS
18 May 2024
The process of issuing the policy is quite fast and smooth.
SAMAR SIRCAR
HOME SHIELD
10 May 2024
The policy processing of HDFC ERGO and steps involved in buying the policy is quite smooth, easy and fast.
AKASH SETHI
HDFC ERGO - BHARAT GRIHA RAKSHA PLUS - LONG TERM
13 Mar 2024
I am very happy and satisfied with your services. Keep up the good work.
DNYANESHWAR S. GHODKE
HOME SURAKSHA PLUS
08 Mar 2024
I am very happy and satisfied to receive prompt and swift services from my relationship manager. He helped me to understand the terms and conditions of the PM AWAS Yojana better than the tele salesperson and helped me take an informed decision about my purchase.
AJAJ CHANDSO DESAI
HOME INSURANCE POLICY
3 Aug 2021
Excellent. I highly recommend this policy for your home
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Frequently Asked Questions on Home Insurance For Travellers
1. What is home insurance for travellers?
It basically refers to a comprehensive home insurance plan intended for individuals who travel a lot and is designed to protect their home and/or its contents against damages caused by fire, accidents, riots, floods, earthquakes, etc.
2. What does home insurance for travellers protect?
Home insurance for travellers can protect the structure of the home or its contents or both. It takes care of damages and losses caused by fire accidents, man-made and natural calamities, thefts and burglaries, electrical breakdowns, etc. Its coverage can be extended by opting for necessary add-on covers.
3. Can tenants who frequently travel buy this policy?
Yes. This policy is intended for individuals who travel a lot and want to protect their cherished homes and/or contents during their presence and absence. So, homeowners and tenants can both opt for this plan.
4. How do you intimate a claim for home insurance for travellers with HDFC ERGO?
To intimate a claim for home insurance for travellers with HDFC ERGO, you can call the helpline number 022 6158 2020 or send an email to the customer service desk at care@hdfcergo.com.
5. Why do you need a Home Insurance plan if you are a frequent traveller?
Being a frequent traveller means leaving your home unattended for a considerable amount of time. Unoccupied houses are more prone to theft and burglary incidents, which is why a home insurance plan can protect you financially from any loss or damage caused by such events. Also, knowing your home and its contents are covered lets you travel without any worry.
6. What add-ons are available with home insurance for travellers?
With HDFC ERGO, you, as a frequent traveller, can opt for all the five practical add-ons with your home insurance, such as cover for pedal cycle, terrorism, jewellery and valuables, public liability and portable electronic equipment.
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