Home Insurance

Choose the best home insurance policy at PolicyBazaar and safeguard your house from natural and man-made disasters.

HDFC ERGO Home Insurance 

The HDFC ERGO home insurance policy is a comprehensive home insurance plan offered by HDFC ERGO General Insurance, which is one of the leading insurance providers in India. It is a type of insurance that protects a house or apartment against any loss or damages caused due to unforeseen risks, such as natural calamities, fire, accidental damage, manmade hazards, etc. The HDFC home insurance policy covers loss or damages caused to the building or structure of the house along with its contents.

Features and Benefits of HDFC ERGO Home Insurance

There is a popular saying ‘better safe than sorry’, which fits appropriately when it comes to protecting your home as it is one of the prime belongings of a person’s life. Home is one place where you spend valuable time with your loved ones. Hence, it is important to provide full-proof protection to your home from all kinds of risks, be it manmade or natural. HDFC home insurance plans protect an insured house from all kinds of risks in every possible way.

Take a look at the following features and benefits of HDFC ERGO home insurance:

  • Provides comprehensive protection that includes coverage from burglary, fire, theft, lightning, explosion, flood, terrorism, etc.
  • Home contents can be covered up to Rs 25 lakh
  • Option to cover portable electronics as well as jewellery & other valuables available
  • Alternative accommodation expenses covered
  • Provides reimbursement at the actual market price of the house
  • Policy tenure ranging from 1 year to 5 years
  • HDFC ERGO provides round the clock customer service to all its policyholders

Types of HDFC ERGO Home Insurance Plans

HDFC ERGO provides three types of home insurance plans:

Home Insurance for Tenants

It refers to a type of home insurance plan that has been designed to cover the homes occupied by tenants. It covers the contents of the house from any unforeseen risks but does not cover the structure or the building.

Home Insurance for Owners

It is a type of home insurance plan that protects houses occupied by its owners. It protects the homeowners against any unpredictable loss or damage caused to the contents as well as building structure of the houses.

Housing Society Insurance

It is a type of home insurance plans that covers housing or co-operative societies from any unforeseen loss or damages. However, it does not offer long-term plans to co-operative societies.

The following table represents the coverage provided by the three types of HDFC home insurance plans:

Inclusions

Types of HDFC Home Insurance Plans

Home Insurance for Tenants

Home Insurance for Owners

Housing Society Insurance

Fire

Covered

Covered

Covered

Burglary & Theft

Covered

Covered

NA

Electrical Breakdown

Covered

Covered

NA

Natural Calamities

Covered

Covered

Covered

Manmade Hazards

Covered

Covered

Covered

Accidental Damage

Covered

Covered

Covered

Alternate Accommodation

Covered

Covered

NA

Add-On Covers:

 

Jewellery & Valuables

Available

Available

NA

Portable Electronic Equipment Cover

Available

Available

NA

Terrorism Cover

Available

Available

Available

Pedal Cycle

Available

Available

NA

Public Liability

NA

Available

NA

Inclusions of HDFC ERGO Home Insurance

HDFC home insurance plans provide coverage for the following contingencies:

  • Fire – This plan covers any loss or damages caused to your house due to fire and helps to rebuild it.
  • Accidental Damage – Any accidental damages caused to your house, such as broken window fittings, will be covered.
  • Burglary & Theft – If you get robbed off your valuables at your home, such as jewellery, HDFC ERGO home insurance will compensate for the loss.
  • Natural Calamities – Natural calamities are unpredictable and therefore, any damages or losses resulting out of it will be covered.
  • Electrical Breakdown – In case any electronic equipment breaks down in your home, the cost of repair or replacement will be paid by HDFC home insurance policy.
  • Manmade Hazards – This plan also covers any loss or damages caused to your home due to manmade hazards, such as riots, acts of terrorism, strikes, malicious acts, etc.
  • Alternate Accommodation – In case your house is damaged or unfit for staying because any of the covered reasons mentioned above, HDFC ERGO home insurance will pay for expenses, such as the alternative house rent/ hotel cost, shifting expenses, brokerage, emergency purchases, etc.

Add-On Covers

HDFC home insurance plans come with following add-on covers that can be purchased by paying a higher premium amount. Take a look:

  • Jewellery & Valuables – This cover allows house owners to protect the jewellery and valuable items in their houses from any loss or theft.
  • Portable Electronic Equipment Cover – With this cover, all portable electronic equipment in your house, such as laptop, musical equipment, cameras, etc can be covered from any unforeseen damage or loss.
  • Terrorism Cover – It enables a society to stay protected from any loss or damages caused due to acts of terrorism.
  • Pedal Cycle – With this cover, you can extend coverage to the pedal cycle as well as static exercise cycle in your house from any unforeseen loss or damages. It covers gearless as well as pedal cycles with gears.
  • Public Liability – Under this cover, any public liability arising out of accidental third party property damage or accidental death, bodily injuries or disability of a third party person is covered. This add-on cover is only available under the HDFC ERGO home insurance for owners and does not cover domestic employee or staff of the policyholder.

Exclusions of HDFC ERGO Home Insurance

HDFC home insurance plans do not cover any loss or damages caused to your house due to the following reasons:

  • War – This plan does not cover any loss or damage caused to your house due to war or related operations.
  • Under-Construction Houses – Any loss or damages caused to your under-construction house will be excluded under HDFC home insurance policy as only the house where you reside can be covered.
  • Precious Collectibles – It does not cover any losses arising out of precious collectible items, such as work of art, bullions, coins, stamps, etc.
  • Cost of Land – This plan will not share the cost of the land on which your house is built under any circumstances.
  • Old Content – HDFC home insurance policy will not cover any of your possessions or contents of your house that are over 10 years old.
  • Maintenance/ Renovation – Any expenses incurred on the maintenance or renovation of the house due to normal wear and tear will not be covered.
  • Consequential Loss – This plan does not cover any consequential losses sustained by your house.
  • Third Party Construction Loss – If any third party construction led to any losses sustained on your house, it will be excluded under this plan.
  • Willful Misconduct – In case any loss or damage is caused to your house intentionally, then it will not be covered by HDFC home insurance plans.

Eligibility for HDFC ERGO Home Insurance

The eligibility criteria for HDFC home insurance plans are as follows:

  • Owners of independent houses/ flats/ apartments
  • Tenants or non-owners residing in independent houses/ flats/ apartments
  • The independent houses or flats should be made of burnt bricks/ stones as well as ACC roof/ tiles/ RCC/RBC.
  • Housing societies or co-operative societies

Claim Procedure for HDFC ERGO Home Insurance

In case of a mishap, it is important to raise a claim with HDFC ERGO to get the losses covered. The claim procedure of HDFC home insurance policy is very quick and simple. Take a look at the claim procedure for HDFC ERGO home insurance below:

  • Notify HDFC ERGO about the mishap or accident within seven days
  • Send all the required documents to the insurer within 15 days
  • A surveyor would come to assess the damage
  • Once the surveyor submits his report, the insurer will verify the documents
  • Post verification, the claim amount will be paid to the policyholder

Documents Required to Register a Claim

At the time of making a home insurance claim, the following documents need to be submitted:

  • Duly filled and signed claim form
  • FIR report (in case of burglary)
  • Fire brigade report
  • Police investigation report
  • Invoices/ bills and valuation reports
  • Suppliers’ invoice for replacement
  • Estimated repair bill
  • Final repair bill
  • Evidence of rent of alternate accommodation
  • Rent agreement
  • KYC documents (if the claim amount is over Rs 1 lakh)
  • Legal notice/ court summons (if any)
  • Bank account details and cancelled cheque
  • Certificate by the relevant architect or municipal authority confirming the house is uninhabitable (in the case of the total loss)

Additional Documents Required by Flat/ Apartment Owners:

  • Approved house construction/ extension plan and license by the relevant authority
  • Building Completion Certificate from the builder
  • Occupancy Certificate from the builder
  • Letter of Possession
  • Sales deed, title deed and related document
  • House payments receipts
  • Latest electricity bill or house tax bill by the relevant municipal authority
  • Development agreement (in case the building is a redeveloped building)

HDFC ERGO Home Insurance Renewal Process

An HDFC home insurance policy can be easily renewed online. You just have to follow the steps mentioned below to renew your policy:

  • Go to the policy renewal section on the website
  • Fill up the details required, such as your previous policy number, name, etc.
  • Review the plan you want to buy
  • Check the add-on covers that you want
  • The final premium amount will be shown
  • Pay the home insurance premium amount online
  • Your HDFC home insurance policy will be renewed after the payment is successful

HDFC ERGO Home Insurance- FAQS

Written By: PolicyBazaar - Updated: 29 September 2020
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 27 Reviews)
HDFC Ergo Home Insurance Reviews & Ratings
4.1 / 5 (Based on 27 Reviews)
(Showing Newest 15 reviews)
Pragun
G.mahisani, September 23, 2020
Easy claims
I have got the claim from the policybazaar and got it immediately. It was good and quick to get the claim from the company. I am very much happy with the services of the policybazaar as I got hdfc ergo home insurance.
Prafulla
Habra, September 23, 2020
Precautions from the damages
I have recently took the hdfc ergo home insurance policy from the policybazaar and it is the one of the best plan. And it helps in dealing with the certain damages. Thank you team policybazaar.
Avery
Yavatmal, September 10, 2020
Efficient plans
I recently took the hdfc ergo home insurance policy from the policybazaar and they have provided me with the good plans for the safety and security of my home. Thank you so much team.
Nicolas
Ichoda, September 10, 2020
Sales executive
The sales executive who have assisted me at the time of buying the hdfc ergo home insurance is really good. The team is very good and they have helped me providing with the best plans for the safety of my home and its content.
Lokesh
Kharagpur, July 22, 2016
Security for House
Insurance plan for home is very much important as any other policy. I have hdfc ergo home insurance plan which protect my house and my family too. It covers maximum expenditures done on home while recovery from any damages. The inbuilt health plan is also there for the family according to terms and conditions of the insurance policy.
Damini
Lonavla, July 07, 2016
Home Insurance
Home insurance is very much needed in this risky world. The home insurance of mine is fantastic which covers maximum expenditure. Policy coverage is good claims are high. The burglary, theft, housebreaking causes lost is reimbursed by the company.
Tarun
Guwahati, June 24, 2016
Good Service
The home insurance plan of mine is nice with some good benefits like premium is low. Policy coverage is high and claims are good. The damage from theft, burglary, housebreaking etc are reimbursed by the insurance policy. Service is good and many valuable belonging are secure including with house.
Vishal
Mumbai, June 13, 2016
Perfect Plan
I get home insurance plan from hdfc ergo general insurance. The benefits are many and it reduces lots of tension of theft, burglary and housebreaking. The company reimburse the loss of the policyholder. The premiums are low and the policy coverage is high ~89%. Claiming is really very easy because the service is fast which is facilitate by the executives and the staff members. Daily updates regarding policy is mailed to my email address.
Bhupesh
Pondicherry, June 13, 2016
Superb Policy
I got very nice policy, hdfc ergo home insurance plan. The premium is low and the policy coverage is high. Home insurance plans covers the loss from burglary, fire and natural calamities. The plans cover for jewellery, valuable art work and other valuables too. Executives facilitate good service. Internet service is good, renewal get easy due to this service.
Nirmal
Bhiwani, June 13, 2016
Fantastic Plan
HDFC ERGO home insurance plan I purchase and happy with it service. The premium is low and the policy coverage is high ~90%. Service is fast and on time which provided by the executives and staff of the company. Good future investment which reduces my taxes too. House is save from burglary, theft, housebreaking and the loss is reimburse by the company. Good plan.
Manish
Ooty, June 13, 2016
Quality Investment
I buy hdfc ergo home insurance plan. The policy coverage is good. Simple and hassle free plan enrollment with no documentation required. Complete protection of jewelery and other valuable ornaments against burglary, theft, housebreaking. The premium is low and the claims are high. I really like your service.
Eklavaya
Chandigarh, June 13, 2016
Awesome
I purchase hdfc ergo home insurance policy. The policy coverage is good ~89%. The premiums is low and the claims are high. There are many benefits through this policy. Many items and belongings are insured in the plan. Service is fast which is facilitate by the executives and the staff members. Good job.
Raghav
Faridabad, June 13, 2016
Trustworthy
Finally got a home insurance plan from hdfc ergo general insurance. Policy coverage is good ~90% and the claims are high. Premium of the plan is low which is good point. The service provided by the staff of the company is very fast and on time. Nice policy and fair terms and conditions. I like the policy.
Tarun
Haldwani, June 13, 2016
High Coverage
My home security is with hdfc ergo home insurance plan. The policy is great which have low premiums and the returns are high. The belongings like glass plates, cycle, etc. are insured in the plan. The service you provided is fast and always on time. Good service and behaviour is serve from executives and staff members. Updates are mailed to my email address.
Yogesh
Vellore, June 13, 2016
Power Plan
My house is secure with hdfc ergo home insurance plan. The policy coverage is high and the premium is low. Service is fast which is facilitate by the executives and staff members. Good number of items and belonging included in the policy. Daily updates regarding policy is send to me timely. I like the policy and its terms and conditions.
Umakant
Thane, June 13, 2016
Above Average
The hdfc ergo home insurance plan is not what I expected. The service is slow and the premium is high. Policy coverage is low and claims take much time to sanctioned. Please improve the policy and yes the internet service is okay. Not satisfactory for me. Please improve your policy plan.
Ishant
Panipat, June 13, 2016
Quality Investment
I got hdfc ergo home insurance plan. The policy is very good which has low premium. The policy coverage is high ~88% and the claims are good. Service is fast which facilitate by the executives and staff of the company. Good future investment which reduces my taxes. Updates of the policy is send to me regularly.
Prabhjot
Mangalore, June 13, 2016
Trustable Policy
Recently I buy a house, now I purchase hdfc ergo home insurance plan. My home insurance has many benefits and I took it in very low premium. The policy coverage is high ~85% and the claims are high too. Service provided by you is fast and the behaviour of the staff members is nice. Me and my family members are happy with your services.
Lokesh
Nilgiris, June 13, 2016
Responsive Faculty
I purchase hdfc ergo home insurance plan. The policy coverage is high ~86% and the policy claims are high too. The claiming procedure is very simple because the executives and staff members facilitate the best services and the behaviour is also nice and calm. Good investment and the terms and conditions is the fair.
Karan
Howrah, June 13, 2016
Super Plan
Good home insurance plan provided by hdfc ergo general insurance. The premium is low and claims are good. Claims easily sanctioned due to fast service facilitate by executives and staff members. This plan covers the accidental loss or damage caused due to personal baggage which the insured person or his family member carries while travelling anywhere in India. Good future investment which I like.
Jayant
Moradabad, June 13, 2016
Excellent Policy
I have hdfc ergo home insurance plan which is really good plan. The policy coverage and claims are high and the premium is low. Service is fast and on time. Many more things are secure including the house in this policy. Daily updates are mailed to me. Good service, I like it.
Hemant
Nasik, June 13, 2016
Not Satisfactory
The policy plan I have buy is hdfc ergo home insurance plan. The premium is high but the returns are not so high. Service is bit slow which is facilitate by the staff members. The internet service is not good, Interface is clumpy. Please improve your insurance policy. Not satisfied.
Gaurav
Raipur, June 13, 2016
Really Good Plan
My hdfc ergo home insurance plan is fantastic. The policy coverage is high ~80% and the claims are even better. Service is fast which is facilitate by the executives and staff member. Daily updates are send to me regularly. Good future investment which secure lots of belongings too. I like the policy.
Dinesh
Kalyan, June 13, 2016
Better Plan
The hdfc ergo home insurance plan is the best. The policy is great with good coverage ~89% and the claims are high. The service facilitate by the executives and the staff members is fast. The house insure from many damages and many items and belongings are also secure in the policy plan.
Saurabh
Delhi, June 13, 2016
Average Plan
I purchase hdfc ergo home insurance plan. The policy provide good service which is fast and on time. Good policy coverage approx. 87% and claims are even better. The updates regarding policy is mailed to me regularly. Good future investment. Daily updates regarding policy is mailed to me.