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  • Introduction
  • What's Included?
  • What's not Included?
  • Why Choose HDFC ERGO?
  • FAQs

Homeowners Insurance

We all know that for most Indians, buying their own home has been a long-cherished dream. But what they fail to realise is that once they’ve made their dream come true, they need to secure it too. With HDFC ERGO Home Shield Insurance for Owners, you can live peacefully knowing that if your home or belongings are ever in danger, we’re ready with a shield to protect them for you.

Reasons to buy HDFC ERGO Home Insurance

Short Stay? Long Benefits
Short Stay? Long Benefits

Worried your home insurance will go waste? Our insurance plans provide the flexibility to choose an insurance tenure depending on your requirements. It starts from 1 year and goes upto 5 years.

Enjoy upto 45% Discounts
Enjoy upto *45% Discounts
This one is for those who search for value in everything! With HDFC ERGO renter’s home insurance, you get numerous discounts – security discount, salaried discount, intercom discount, long-term discount, etc.
Contents covered upto Rs. 25 lakhs
Contents covered upto Rs. 25 lakhs
Things you own aren’t just material property. They carry memories and irreplaceable sentimental value. HDFC ERGO gives you the option to cover all your possessions ( upto Rs. 25 lakhs) without sharing any specified list of home belongings.
Portable Electronics Covered
Portable Electronics Covered
Ever wondered what life would like without your electronic gadgets? We wouldn’t want you to go down that lane. Whether it is your laptop with decades of memories and valuable information or any other electronic equipment, Read More...
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What’s Included?

Fire
Fire

Your home is a literal brick-and-mortar manifestation of your dreams. Protect your dreams against any damage due to fire.

Burglary & Theft
Burglary & Theft

It’s distressing to even think about your house getting broken into. Stay peaceful by insuring your possessions against theft/burglary.

Electrical Breakdown
Electrical Breakdown

Breakdown of appliances can disrupt everyday life and come at a cost. Insure them to avoid sudden expenses.

Natural Calamities
Natural Calamities

Did you know that 68% of India’s land is prone to drought, 60% to earthquakes, 12% to flood, and 8% to cyclones? You can’t Read More...

Manmade Hazards
Manmade Hazards

Troubled times can affect your home as well as your peace of mind. Keep it secure against strikes, riots, terrorism, and malicious acts.

Accidental Damage
Accidental Damage

Just spent a fortune on fixtures and sanitary fittings? Stay worry-free by securing them against accidental damage.

Alternate Accommodation
Alternate Accommodation

Get shifting expenses, rent for alternative/hotel accommodation, emergency purchases, and brokerage in case Read More...

What’s Not Included?

War
War

Loss and/ or damages arising out of situations such as war, invasion, act of foreign enemy, hostile. are not covered.

Precious collectibles
Precious collectibles

Loss of bullions, stamps, work of art, coins etc. will not be covered.

Old Content
Old Content

We understand that all your precious possessions hold emotional value but anything that’s over 10 years old will not be covered.

Consequential Loss
Consequential Loss

Consequential losses are losses that are not the natural result of the breach in the usual course of things, such losses remains uncovered

Willful Misconduct
Willful Misconduct

We ensure that your unforseen losses are covered, however if there's any case of willfully done damage to your property, that remains completely out of the coverage scope of policy.

Third party construction loss
Third party construction loss

Any damage caused to your property due to third party construction is not covered.

Wear & Tear
Wear & Tear

Your home insurance does not cover usual wear and tear or maintaince/renovation.

Cost of land
Cost of land

Under circumstances this policy shall not cover the cost of land.

Under costruction
Under costruction

Home insurance cover is for your home where you reside any under construction property will not be covered.

ADD ON COVERS

Portable Electronic Equipment Cover
Secure your electronic gadgets even when you are on the move.

This cover gives you coverage for all portable electronics such as laptop, camera, binoculars, musical equipments; sports gear any other specified item of portable nature. This policy does not cover equipments that are over 10 years old.

Suppose you go on a vacation and your camera gets accidentally damaged, we shall cover against this loss of camera however it should not be an intentional damage. Policy excess and deductible should be applicable however that’s nominal.
Jewellery & Valuables
Now, your precious jewellery is protected against any risk of theft

Jewellery and valuables refer to ornaments or articles made of gold or silver or any precious metal including diamonds as well as sculptures and watches. This add on cover can be opted for maximum upto 20% of your Home Content (Belongings) sum insured. The loss of your jewellery & valuable would be covered on the basis of the prevailing market value

In case your content sum insured is Rs 5 lac you can secure your jewellery and valuables upto 1 lac. Imagine in your absence there is a theft incident at your home and you end up losing your precious insured jewellery Under such scenario you would be required to submit we the original invoice of the jewellery lost to process the claims. Excess and deductible to be applied.
Pedal Cycle
Cover your pedal cycle upto Rs. 5 lacs

Under this cover we insure losses to static exercise cycle as well as your pedal cycle with or without gear. It covers losses caused by fire, calamities, theft and accidents. We protect any third party liability to a person or property caused by your insured pedal cycle. However, exclusively if your pedal cycle’s tyres only are stolen or damaged it remains uncovered.

How does it work?: On your next cycling expedition due to road accident your cycle is damaged beyond repair leading to total loss, under such situation we will cover the losses. Additionally, if a third party person gets injured due to the accident caused by insured cycle then we shall cover for the third party claim too. Excess and deductible to be applied.
Public Liability
Get a cover upto 50 lakhs for third party liabilities

This cover acts as a safety shield and protects the insured against claims related to third party accidental death, disability or bodily injuries. This does not include insured’s residence employee or domestic staff. Similarly, it covers accidental damage to third party property too.

You have a neighbor visiting your home and he gets accidentally injured due to a major renovation that’s been undertaken at insured’s premises. We cover for the claims related to the third party’s injury. Excess and deductible to be applied.
Terrorism Cover
Covers damage caused to your home due to terrorism

Due to a terrorist attack if your home structure/content gets destroyed we cover it

How does it Work?: Any damage caused to your home due to a terrorist attack gets covered. This damage could be both due to terrorists or protection squad by government's defense services.
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Why HDFC ERGO?

Secured 1.6+ 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.
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Why HDFC ERGO?

All the support you need 24x7

We understand that in times of distress, instant help is the need of the hour. Our in-house claims team provides round the clock support to ensure a hassle-free claim experience. We ensure to be your constant support system in times of need.
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Why HDFC ERGO?

Catering to customer needs

Since, last 20 years, we have been catering to endless customer requirements seamlessly, by providing a wide range of plans and add on covers for every portfolio.
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Why HDFC ERGO?

Transparency at its best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.
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Why HDFC ERGO?

Awards

HDFC ERGO has won under “Claims and Customer Service Excellence” category at FICCI Insurance Industry Awards, 2021.
Why HDFC ERGO?
awards

Secured #1.6+ 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.
awards

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. Our In-house claims team provides round the clock support to ensure hassle-free claim experience. We ensure to be your constant support system in times of need.
awards

Catering customer needs

Since, last 20 years, we have been catering to endless customer requirements seamlessly, by providing wide range of plans and add on covers for every portfolio.
awards

Transparency at its best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.
awards

Awards

HDFC ERGO has won under “Claims and Customer Service Excellence” category at FICCI Insurance Industry Awards, 2021.

What's more?

 
Downloads
Downloads
Get brochure/policy wordings/proposal forms
Home Insurance for Tenants
Home Insurance for Tenants
Protect your belongings

Frequently asked questions

Once a claim is registered and requisite documents are submitted, a surveyor shall be appointed by HDFC ERGO to verify details of the claim. On receiving the survey report, the claim amount is determined and paid to the insured. Please note that, an excess under this policy of Rs.5000/- for each and every claim is payable by the insured.
Increase in Sum insured is possible by paying additional premium but decrease is not permitted. Cancellation is possible at the request of the insured subject to retention of premium as per short period scales.
The Company shall not be bound by any assignment of this Insurance without prior consent.
Home Shield policy can be issued for a period of upto 5 years. Infact, a long term policy will attract discount varying from 3% to 12% depending on tenure selected.
New for old basis: When this method is chosen for insuring contents, the item damaged beyond repair will be replaced with a new one or the insurer will pay out the cost for replacement of the item in full, regardless of its age subject to sum insured represent s cost of replacement.
Indemnity Basis: Sum Insured shall be equal to the cost of replacement of the insured property by new property of the same kind and same capacity by deducting proper depreciation from the replacement value of the item.
Your property should be a registered residential premise, construction for which should have been completed.
Your policy cover starts 1 day after you have purchased the policy online.
Our home is a one of our most prized possessions. Any loss to it, could lead to a major financial setback. A home insurance policy, can protect you from losses caused due to calamities, fire incident and theft.
You can cover your home structure in case it is rented out to a tenant. Also, if the house has contents that belong to you, then home insurance for content can also be opted for.
House Owners Insurance is a form of property insurance that covers losses and damages to an individual's house and to assets in the house. It also provides liability coverage against accidents in the house or on the property.
Owner Occupied home insurance is applicable when the owner is living in the home and covers losses and damages to an individual's house and to assets in the house, a non owner occupied home insurance is applicable for homes where the owner of the home is not living in the home, Investment properties upto four units that an individual buys for generating rental income are considered non-owner occupied properties. Here the coverage is only for the contents of the house.
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