HDFC ERGO Home Insurance
HDFC ERGO Home Insurance
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HDFC ERGO Home Insurance

HDFC ERGO General Insurance Company Ltd. is a joint venture between HDFC Ltd and ERGO. The company is headquartered in Mumbai, India, and offers a range of general insurance products like motor, health, travel, home, personal accident, and so on. It successfully operates from 203 branches spread across 170 Indian cities.

One of its key general insurance products, HDFC ERGO Home Insurance, offers coverage for both belongings and house structure if it's stolen, damaged, or broken by man-made/natural calamities. The HDFC ERGO Home Insurance can be purchased by the policyholders at an affordable premium rate.

What are the different types of HDFC ERGO Home Insurance plans?

You can avail of HDFC ERGO Home Insurance for your apartment, luxurious bungalow, or rented flat to take care of its damages due to accidents, man-made, or natural calamities.

There are three types of HDFC ERGO Home Insurance Plans:

  • Home Insurance for Tenants
  • Home Insurance for Owners
  • Housing Society Insurance

1. Home Insurance for Tenants

As the name suggests, only tenants can buy this insurance. Under it, you can avail of coverage against fire, burglary & theft, electrical breakdown, accidental damage, alternate accommodation, etc. for home belongings.

Features of Home Insurance for Tenants

  • The insurance policy offers discounts up to 45% (security discount, salaried discounts, inter-com discounts, long-term discounts, etc).
  • You can avail of coverage for contents up to Rs.25 lakhs.
  • With portable electronic equipment cover, you can get your portable electronics covered.
  • The insurance policy offers coverage (as an add-on) against damage caused to your home due to terrorism.

2. Home Insurance for Owners

This insurance policy offers coverage against loss or damage to the house of an individual and its assets due to accidents, man-made, or natural calamities.

Features of Home Insurance for Owners

  • You can get coverage up to Rs.50 lakhs for third-party liabilities.
  • This insurance policy offers coverage against acts of terrorism.
  • Policyholders can avail of coverage (up to Rs.5 lakh) for the pedal cycle.

Note- All the above are optional covers.

3. Housing Society Insurance

This insurance policy offers comprehensive protection to your society and its members against multiple situations at an affordable premium.

Features of Housing Society Insurance

  • The insurance policy covers your entire society for a year.
  • The coverage offered by this policy ranges from Rs.1 lakh to Rs.3 crore.
  • You can grab a comprehensive plan and get a 50% off on the premium.
  • The insurance company offers optional coverage against acts of terrorism.

How can I purchase HDFC ERGO Home Insurance?

Here's a step-to-step guide to purchase HDFC ERGO Home Insurance:

  • Visit the official website of HDFC ERGO.
  • Click 'Home Insurance'. Scroll down and click 'Buy Now' below your desired plan.
  • Enter the required details, pay the premium, and you will receive a soft copy of the policy on your registered email id.

You can also buy home insurance from the nearest HDFC ERGO branch.

How can I renew HDFC ERGO Home Insurance?

The renewal process of HDFC ERGO Home Insurance is simple and easy to execute. Follow the below-given steps for the same:

  • Visit the official website of HDFC ERGO.
  • Click 'Menu' given on the left-hand side of the page.
  • Click 'Renew' and then click 'Home Insurance'.
  • Enter Policy No./Mobile No./Email ID and then tap on 'Renew Now'.
  • Check the premium details and make the payment.
  • You will receive notification of successful renewal on your registered email id and mobile number.

Frequently Asked Questions

1. What are the exclusions under HDFC ERGO Home Insurance?

Given below are some of the exclusions of this policy:

  • Loss/damage arising out of the war, the act of foreign army, etc.
  • Precious collectibles (stamps, bullions, work of arts, coins, etc.)
  • Home belongings older than 10 years
  • Consequential loss.
  • Damage caused to property due to third-party construction.

2. What’s the registered & corporate address of HDFC ERGO?

1st Floor, HDFC House, Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400020

3. Do I need to file an FIR to apply for a home insurance claim?

You only need to file an FIR in case of a burglary claim.

Last updated on 22-10-2020