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You can spend a fortune building your home or business property, unfortunately, it doesn’t mean they are immune from theft and burglary. Any incident of theft or burglary at home or work premises can have a huge financial impact and disrupt your sense of security instantly. Theft and burglary are unpredictable but ensuring your property is safe is a smart choice. With HDFC ERGO’s Theft and Burglary Insurance, you can protect your valuable assets against unforeseen events. Our comprehensive coverage provides financial protection against losses, ensuring that you can recover swiftly and with peace of mind, no matter what comes your way.
Lock it up
Howsoever obvious it may seem but the fact is many people do not lock all doors and windows before they leave their home. Even if you are just around the corner, do not forget to lock your front door. Thieves are known to get inside your home quietly and take things away. In addition, it is not always true that the burglar plans a theft incident only when you are away even when you are inside the house and your main door is not locked properly a thief may get inside your house and take away your belongings within a few minutes.
Home alarm system
Whenever you step outside your house, make sure to set your home alarm if you have one. If you are yet to get one then consider getting one, it would definitely be worthwhile. Home alarm systems are designed to protect your house and give you an alert if someone tries to sneak in your house. It also helps you save a bit on home insurance premium.
Upgrade your defences
Getting a CCTV set-up is a good idea but keeping a regular check is also important. You need to upgrade and maintain your security devices on timely basis. In addition, you just should not check the camera only when a theft incident is reported, a regular check is important to notice suspicious visits by any stranger within the premises.
Don't advertise your absence
Do not broadcast details about upcoming trips on social networking platform. Thieves have been known to watch for online posts to determine when homeowners will be out of the house, especially around public holidays, summer vacations and during the winter months when people are more likely to go on holiday. If the thieves come to know about your absence then getting inside the house and stealing things becomes a cakewalk for them. Instead, if you are planning to leave your home unattended then inform your trusted neighbours and ask them to keep a check.
Not all thieves or burglar get inside the house peacefully and steal things many end up damaging the door or structure like a particular wall of your home. This type of damage that happens at the time of a theft incident is covered seamlessly. If the thief breaks your door to get inside the house forcefully damaging your home structure, the expense to repair is taken care by the Home insurance policy. Because, theft incidents do cause damage to your home structure and that needs to be covere
Home Insurance protects your valuable belongings inside the home against loss or damage caused by fire, theft, natural calamities, and other unforeseen events. This includes items like furniture, electronics, appliances, jewellery, clothing, and more, ensuring your essentials are always safeguarded.
Some Home Insurance policies cover either theft or burglary. But, with HDFC ERGO Home Shield Insurance we cover both theft and burglary in one policy.Theft is usually referred to someone sneaking into your house to steal things without any forceful entry. While for most people there isn’t a significant difference between these two, in insurance parlance these are two different types of crimes and not all policies cover both.
When it comes to securing your home content and structure against theft, go for a brand that has to have claim paying ability and can be beside you at the time of need. HDFC ERGO has secured #3.7 crores+ happy customers, by providing the right set of insurance plans and settled claims with utmost ease and transparency. With 24x7 customer support and in-house claim settlement team, we are all ears when it comes to resolving your queries.
Theft of any kind can be distressing for homeowners. Your home contains not only items with high monetary value but also things that have an emotional value attached for you and your family. That’s why having the right homeowner's insurance policy with theft cover is crucial in the unfortunate event of a break-in. If you own a house and it has valuable content like electronics, jewellery, electronic appliances and other valuables you must get home insurance with theft cover. So, that if you lose any of the insured items in a theft incident, you are covered against the financial losses. Your home needs this protection with a home insurance policy. If you already have home insurance then check if it covers losses due to theft or burglary. Buying home insurance with theft cover will definitely invite peace of mind.
A home insurance premium is calculated depending upon the current value of the property. Higher the coverage or Sum Insured higher the premium and vice versa. Home insurance premium for a flat worth five Cr. would definitely incur high premium as compared to a 1Cr. Your sum-insured value depends upon the prevailing property rate of your home. Contents Sum insured should be based on their replacement value.
The location where you stay counts while deriving the premium for your home insurance. If your residence has a lot of theft cases registered, then your premium might be a bit high. Your residence location plays an important role in deciding the premium.
Deductibles are the compulsory amount that you pay when there is a claim. If your home insurance plans involve deductibles then your premium amount depends upon deductible percentage. Higher the deductible lowers the premium and vice versa.
If your house contains a wide range of expensive furniture and electronics then your premium may get a little high. Additionally, if you choose to cover the jewellery and valuables then you can cover that too with an additional premium.
To expand the scope of coverage for your home, we offer optional covers so that nothing remains uncovered in your home sweet home. With Home Shield Insurance for content, you can choose to cover portable electronic equipment, jewellery & valuables and pedal cycle at an additional premium. We also offer terrorism cover, if terrorists or protection squad damages your home by Government's defence services.
At, HDFC ERGO if you are a salaried individual you get premium discounts also if you buy online we give you discounts, hence go for HDFC ERGO’s home shield cover for complete coverage against uncertainties that may damage your home.
If you possess expensive jewellery or a pedal cycle, you will have to take the optional covers to pay a little lower premium for home content insurance. With optional covers for content like jewellery, valuable and portable electronics your premium may go a bit high but you also get a wide scope of cover.
Real stories from people who love our products.
PRIVATE CAR COMPREHENSIVE POLICY
I must say that HDFC ERGO provides the best services to their customers.
7/12/2024
Private Car Comprehensive Policy
HDFC ERGO's chat team member helped me to know whether ekyc was linked to my policy or not. The customer care executive also guided me how to link it. I appreciate the quick response and helpful nature of your executive.
11/21/2024
PRIVATE CAR LIABILITY ONLY
Excellent. I highly recommend this policy for your home
8/3/2021
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
1
Can insurance protect your home from theft?
Well, a comprehensive all-risk covered home insurance policy will usually cover theft, as well as repair costs from break-in damages.
2
How much cover do I need for theft insurance?
Your coverage amount or as we say sum insured for home content or structure depends upon the total value of your home content or structure.
3
What is the difference between burglary and theft insurance?
Theft means taking someone's property but does not involve the use of force. ... Burglary means illegally entering a property in order to steal property from it.
4
What type of content I can insured for theft cover?
You can cover home content such as furniture, jewellery, furnishing items, electronic equipment and home appliances.
5
Can I insure my home when is lent-out for rent?
Definitely. You can secure your home structure and content both even if you don’t stay there.
6
Can I insure my home when is lent-out for rent?
Definitely. You can secure your home structure and content both even if you don’t stay there.
7
How do I claim burglary insurance?
To make a claim under the burglary insurance policy, you would have to follow the below-mentioned steps –
● As soon as the burglary or theft happens, inform HDFC ERGO immediately. Intimation of the loss should be given within 7 days of the occurrence of the incident. You can send the intimation through an email or through registered post.
● You can also call the toll-free claim helpline number 1800 2666 400
● Submit all claim-related documents within 15 days for the claim to be duly processed
● The company would send a surveyor to assess the extent of the loss. Help the surveyor complete the survey satisfactorily
● In the case of legal complications, like burglary or theft, file a police FIR and submit the same with HDFC ERGO
● The surveyor would assess the damage, prepare a claim report and submit the same to the insurer
● Based on the surveyor’s report and the claim-related documents, the insurance company would settle the claim
8
Will my insurer deny my claim if I left my house unlocked before a theft?
Yes, the insurer might deny the claim if you leave your house unlocked due to which the theft occurred. This is because this is considered an act of negligence which is not covered under the policy. So, it is always advised to lock up your home when leaving it so that you can avoid the possibility of theft.
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