HDFC Ergo My Asset Premium Home Insurance

Introduction –

Our Homes are our most pride possession. The contents which we have in the house actually make it a home. HDFC Ergo Home Insurance brings you a special plan “my: asset Premium Home Insurance plan” to protect each and every content of your house. It has 27 different covers in which 2 are compulsory and rest 25 are optional covers from which you can choose according to your requirements.

Key Features and Benefits –

  • This plan provides you total flexibility i.e. you can choose any cover and any sum assured for that cover according to your requirements.
  • Unique Insurance covers like Purchase Protection, Wallet Protection, Wedding & other Ceremonial Benefit, Pet Dog,Trees and Plants, Golf Kit and Second Home.
  • It also provides an add-on cover of terrorism on paying additional premium.
  • The policy buying process is totally transparent and hassle-free.

Policy Details –

Coverage – This policy provides with 27 different covers in which 2 are compulsory and rest 25 are optional covers from which you can choose according to your requirements.

Compulsory coverage –

  • Fire & Allied Perils (Reconstruction Cost of Building and/or Contents).
  • Burglary and/or House Breaking for Contents.

Optional Coverage –

Electronic Equipment

Protection to Domestic Appliances.

Plate Glass Protection

Jewellery and Valuables

Baggage Protection.


Public Liability

Liability to Domestic Staff.

Purchase Protection

Wallet Protection

Wedding & other Ceremonial Benefit

Golf Plan

Marine Transit

Trees and Plants

Temporary Re-settlement Expenses

Contents Temporarily Removed

Liability of Tenants to Landlord

Rent for an Alternative Accommodation

Pet Dog

Pedal Cycle and Tricycle

Lock and Key Replacement

Property of Self Employed

Holiday and Second Home

Search and Found

Accidental Damage to Underground Pipes/Cables/Services

Safety for Documents


Policy termination –The Policyholder is allowed to terminate the policy at any time by giving a 15 day written notice. In case no claim has been made under the policy, percentage of premium will be refunded.

Free look period -If you are not happy with the coverage, and terms and conditions of the policy, you have the option of cancelling the policy within 15 days of receipt of the policy documents, provided there has been no claim.

Exclusions –

The Policy does not cover loss/damage due to –

1) War, invasion or act of foreign enemy

2) Ionizing radiations or contamination by radioactivity

3) Any consequential loss or damage of any kind

4) Depreciation or wear-and-tear

5) Wilful act by the Insured, his/her family and domestic staff

Documents –

A proposer has to fill up an ‘Application form/ proposal form’ and submit it along with the address proof and a photograph.