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Your home is probably your most important asset. To protect not just your home, but also its contents is very essential.
With this in mind HDFC ERGO has designed a Home Insurance Policy to ensure that you benefit from affordable coverage for your property and possessions against any eventuality. The policy provides protection for your property and all its priceless possessions under a single policy.
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Protection for both your
home and its contents |
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Low cost optional cover
for burglary, including theft and larceny |
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Premium discount upto
15% available for security features |
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Minimum documentation
required for this policy |
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The policy covers *:-
Fire
and Special Perils:-
Building(section I) and 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, flood and inundation
- Earthquake, volcanic eruption and other convulsions of nature
- Impact damage by rail / road vehicle and animals
- Subsidence and landslide, including rockslide
- Missile testing operations
- Leakage from automatic sprinkler installations
- Bush fire
Sum Insured
The sum insured for the house is based on the reinstatement value.
This is the reconstruction cost of the house in the event of any loss / damage
due to any of the insured events covered under this policy.
The reconstruction value for your house is determined by the construction
cost. This, however, would not include the cost of land. The reconstruction
cost is based on two parameters as mentioned below:-
1. Built-up area of the house (Square Feet)
2. Cost of construction in your area / locality
Burglary and Housebreaking including Larceny and Theft (Section II) - Contents (as defined by Indian Penal Code)
You can insure the contents of your home against loss due to burglary, attempted
burglary and/or break-ins. Jewellery kept in a locked safe within the home
premises will also be covered, if stolen.
Sum Insured
It is the same for contents under Section I A Fire and Special Perils and
Section II Burglary and Theft.
The sum insured for contents / valuables is based on the market value.
You could cover a host of household items like electronic equipments, furniture
and furnishings, jewellery, clothes etc.
Premium
Section IA:
Fire and Special Perils Cover
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Section IB:
Contents
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Section II:
Burglary and Theft Cover
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Sum Insured(in Rs.) |
Premium(in Rs.) |
Sum Insured(in Rs.) |
Premium(in Rs.) |
Sum Insured(in Rs.) |
Premium(in Rs.) |
500000 |
393 |
100000 |
79 |
100000 |
270 |
750000 |
590 |
150000 |
118 |
150000 |
404 |
1000000 |
787 |
200000 |
157 |
200000 |
539 |
1250000 |
983 |
250000 |
197 |
250000 |
674 |
1500000 |
1180 |
300000 |
236 |
300000 |
809 |
1750000 |
1376 |
350000 |
275 |
350000 |
944 |
2000000 |
1573 |
400000 |
315 |
400000 |
1079 |
2250000 |
1770 |
450000 |
354 |
450000 |
1213 |
2500000 |
1966 |
500000 |
393 |
500000 |
1348 |
2750000 |
2163 |
550000 |
433 |
550000 |
1483 |
3000000 |
2360 |
600000 |
472 |
600000 |
1618 |
3500000 |
2753 |
650000 |
511 |
650000 |
1753 |
4000000 |
3146 |
700000 |
551 |
700000 |
1888 |
4500000 |
3539 |
750000 |
590 |
750000 |
2022 |
4750000 |
3736 |
800000 |
629 |
800000 |
2157 |
5000000 |
3933 |
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Willful destruction of property |
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Loss or damage caused by depreciation or wear and tear and consequential loss of any kind |
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Loss or damage, directly or indirectly, caused by or arising from or in consequence of or contributed to by nuclear weapons material and/or ionizing radiations |
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Loss or damage, whether
arising directly or indirectly from any consequences of war, invasion,
act of foreign enemy, hostilities (whether war be declared or not),
civil war, rebellion, revolution, insurrection military or usurped power
or civil commotion or loot or pillage in connection therewith. |
* This content is descriptive only. Actual coverage is subject to
the language of policy issued.
** These are illustrative exclusions. For a detailed list, kindly
refer to the policy wordings.
Disclaimer :
Please note that HDFC Bank is a corporate agent of HDFC ERGO. The Contract of insurance is between HDFC ERGO and the Insured only and HDFC Bank is not a party to the said contract. Participation by customer to buy insurance policy is purely voluntary. Insurance is the subject matter of the solicitation. For more details on coverage, terms and conditions, please read the policy document carefully before conducting a sale.
Certified Corporate Agent's License No. HCG 933982
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