Home insurance for tenants helps protect the personal belongings that turn a rented house into your home, whether it’s furniture you carefully chose, electronics you invested in, or valuables gifted by loved ones. While the house may not belong to you, the things inside it do, and they deserve the right protection.
With HDFC ERGO’s home insurance for tenants, your valuable possessions are covered against risks like fire, theft, burglary, and other unexpected events. This way, you can enjoy peace of mind knowing that no matter what happens, the things that matter most to you are financially protected.
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.
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.
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.
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, insure them with HDFC ERGO Home Insurance.Stay worry-free!
See what is covered and what is not covered
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 lacs 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.
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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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.
1
What is the difference between tenant’s home insurance and owner home insurance?
While a home owner can opt to cover both building and content, a tenant can only opt to cover his home belongings.
2
I have my own house which is now rented to a tenant, which cover should I opt for?
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.
3
I am a tenant do I need to have a cover for my home contents?
When a fire or flood occurs, your home belongings are as much at risk as the home structure. Insure them to protect your self against losses caused by fire, natural catastrophes like earthquake and flood, riots and much more.
4
Is there any criteria for buying home insurance?
Your property should be a registered residential premises, construction for which should have been completed.
5
Who all are eligible to purchase this policy?
Individual Owner occupants/ Tenant can purchase this policy. Policy can be purchased by a tenant for contents only upto 5 yrs.
6
What is the max period for which this policy can be issued?
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.
7
Are there any discounts that I can avail to while purchasing this policy?
You can avail a discount of up to 37% on premium, basis security features, Salaried class of insured and long term coverage.
8
How will a claim be processed?
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.
9
Can I increase/decrease sum insured or cancel the policy during the course of the policy tenure?
Increase in sum insured is possible by paying additional premium but decrease is no permitted. Cancellation is possible at the request of the insured subject to retention of premium as per short period scales.
10
Whether this policy is assignable at the time of sale of premises?
The Company shall not be bound by any assignment of this Insurance without prior consent.
Real stories from people who love our products.
HOME SHIELD INSURANCE
The Current services offered by HDFC ERGO are impressive. Keep up the great work.
4/28/2025
STANDARD FIRE AND SPECIAL PERILS POLICY
The services provided by HDFC ERGO is very helpful.
3/27/2025
HOME SHIELD INSURANCE
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.
10/30/2024
HOME SURAKSHA PLUS
The process of issuing the policy is quite fast and smooth.
5/18/2024
2018-10-11
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