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The policy adequately safeguards your pricelessrnproperty and possessions. You can avail 15% discount for security features thatrnthe policy offers. The policy also has a low cost optional cover for burglaryrnthat includes theft and larceny.


Covers structure and contents of house, Coverrnagainst Fire and allied perils and an Optional cover for Burglary and Theft.

About HDFC Ergo Home Insurance

Key Features rn
  • A home insurance that comprehensivelyrnprotects your invaluable property and possession
  • A home insurance that safeguards both yourrnhome structure and the household contents
  • Low Cost Optional Cover for Burglary includingrnTheft and Larceny
  • Avail upto 15% premium discount for SecurityrnFeatures 

Whatrndoes the policy cover? 

Fire and Special Perils: Building(Section I)rnand Contents(Section IA) covers the structure of your home and contents against

  • Fire, Lightning, Explosion/Implosion, Aircraft Damage
  • Riot, Strike, Malicious and Terrorist Damages
  • Bursting and overflowing of water tanks, apparatus, pipes
  • Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado,rnFlood and Inundation
  • Earthquake, Volcanic Eruption & other Convulsions ofrnNature
  • Impact damage by rail/road vehicle and animal
  • Subsidence and Landslide including Rockslide
  • Missile testing operations
  • Leakage from automatic sprinklers installations
  • Bush fire
  • The sum insured for the structure of the house is basedrnon the Reinstatement Value. Quite simply, it would be the reconstruction costrnof the house in the event of any loss/damage due to any of the insured eventsrnlike Fire, Riots, Storm, Flood and so on. 
  • The reconstruction value for the structure is determinedrnby the construction cost. This, however, would not include the cost of land.rnThe home insurance policy will calculate reconstruction cost based on twornparameters which are mentioned below:
- Built Up Area of the House (Square Feet)

- Cost of Construction in your area / locality

Burglary and Housebreaking including Larcenyrnand Theft (Section II) - Contents (as defined by Indian Penal Code) 

  • You can also insure the contents of your homernagainst loss due to burglary and /or Housebreaking  orrnany attempted burglary. Jewellery kept in Locked Safe within the Home premisesrncan also be covered. 
  • Sum Insured for Contents under Section I ArnFire & Special Perils and Section II burglary & Theft should be thernsame. 
  • The Sum Insured for Contents / Valuables isrnbased on the market value.

HDFC ERGO Home Insurance enables you to coverrna host of household items like Electronic Equipments, Furniture &rnFurnishings, Jewellery, Clothes and so on.