Comprehensive
Protection
Covers Home Structure
Worth upto ₹10 crore
Attractive Discounts
Up To 45%* Off
Covers Home Belongings
Worth upto ₹50 lacs
Buying a house is probably the most important and expensive investment you undertake during your lifetime. Therefore, it’s crucial to protect it against natural calamities like lightning, earthquake etc. Natural disasters seldom come with a warning. Lightning, especially, poses a major risk to your property as it can cause a fire, damage the wiring, cause short circuits, and ruin electrical appliances. It can also cause damage through power surges. Your personal belongings, such as fittings, furniture, household appliances and other goods may get damaged. In some instances,a house might also have to be rebuilt after getting struck by lightning. And this can prove to be a big blow financial and emotionally.
While there is nothing much you can do to control or prevent such calamities, you can avail a comprehensive home insurance with lightning coverage. Damages caused by lightning won’t just cover the damages done to the structure of the house, but also those damages that are incurred by your personal belongings,like fixtures and fittings, electrical appliances and other possessions. Though lightning coverage is not available as a standalone policy,it can be included in home insurance plans.
Since you pour all your life’s savings into buying your dream home,this is the place where you create precious memories with your loved ones and watch your dreams turn into reality. Needless to say, it holds a lot of emotional value. Therefore, it is advisable to take a home insurance policy that provides coverage against lightning too. Such a policy has several benefits
See what is covered and what is not covered
Secured Over #3.7 Crore+ Smiles!
Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
All the Support you need 24* 7
We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process.
We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.
We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox.
1
What is the difference between the coverage against lightning for homeowners and tenants?
A homeowner can cover the structure of the house as well as fixtures, fittings and other household equipment. A tenant can only get coverage for the articles inside the home (his personal possessions)
2
Are there any criteria for taking a home insurance with lightning coverage?
The only criterion is that the property should be in registered residential premises and should not be under construction
3
I am a paying guest living in a shared accommodation. Can I get a lightning coverage?
As a paying guest, you can opt for lightning coverage for your belongings, like laptop, mobile, and home appliances that belong to you.
4
What is the tenure of the policy? What if I plan to sell the property after a while?
In case you plan to sell the property after a while, you can always opt for a shorter tenure. Of course, the premium amount and the coverage amount may vary accordingly.
Real stories from people who love our products.
Optima Secure
Excellent Service
8/15/2021
Health Suraksha Family Policy
I'm faizal and I want to tell you I'm very happy to got hdfc ergo service. I raised claimed which is got approved within a moments I got credited within a day.
Travel Insurance
Happy with the service.
9/10/2021
Two Wheeler - HONDA | CB SHINE
Since 3 years I’m using hdfc ergo bike insurance good one for all types of insurance.choose this one it’s agood choice for insurance . Price also less compare to other insurance companies Third party and all types of category is well .no claim bonus is added to next year good one. I refer this company to my friends
7/5/2019
Two Wheeler Comprehensive Policy
Your customer care executive provided continuous support after I raised my concern and diligently followed up to get it to a closure. I appreciate the customer care team's efforts. Thanks.
7/25/2024
HOME SHIELD (GROUP)
Good. Happy with the service, process and home insurance policy. Thank you HDFC ERGO
Optima Secure
Excellent Service
8/15/2021
Health Suraksha Family Policy
I'm faizal and I want to tell you I'm very happy to got hdfc ergo service. I raised claimed which is got approved within a moments I got credited within a day.
Travel Insurance
Happy with the service.
9/10/2021
Two Wheeler - HONDA | CB SHINE
Since 3 years I’m using hdfc ergo bike insurance good one for all types of insurance.choose this one it’s agood choice for insurance . Price also less compare to other insurance companies Third party and all types of category is well .no claim bonus is added to next year good one. I refer this company to my friends
7/5/2019
Two Wheeler Comprehensive Policy
Your customer care executive provided continuous support after I raised my concern and diligently followed up to get it to a closure. I appreciate the customer care team's efforts. Thanks.
7/25/2024
HOME SHIELD (GROUP)
Good. Happy with the service, process and home insurance policy. Thank you HDFC ERGO
Optima Secure
Excellent Service
8/15/2021
Health Suraksha Family Policy
I'm faizal and I want to tell you I'm very happy to got hdfc ergo service. I raised claimed which is got approved within a moments I got credited within a day.
Travel Insurance
Happy with the service.
9/10/2021
Two Wheeler - HONDA | CB SHINE
Since 3 years I’m using hdfc ergo bike insurance good one for all types of insurance.choose this one it’s agood choice for insurance . Price also less compare to other insurance companies Third party and all types of category is well .no claim bonus is added to next year good one. I refer this company to my friends
7/5/2019
Two Wheeler Comprehensive Policy
Your customer care executive provided continuous support after I raised my concern and diligently followed up to get it to a closure. I appreciate the customer care team's efforts. Thanks.
7/25/2024
HOME SHIELD (GROUP)
Good. Happy with the service, process and home insurance policy. Thank you HDFC ERGO
2018-10-11
2023, 2024
2023, 2024
2023
2024
2024
2023, 2024
2023, 2024
2023
2024
2024
2023, 2024
2023, 2024
2023
2024
2024
