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- Payment Solutions
- Money Transfer
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- PAY Cards, Bill Pay
- Money Transfer
- To Other Account
- To Own Account
- UPI (Instant Mobile Money Transfer)
- IMPS (Immediate Payment 24 * 7)
- RTGS (Available 24 * 7)
- NEFT (Available 24 * 7)
- RemitNow2India (Foreign Inward Remittance)
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- Forex Services for students
- RemitNow (Foreign Outward Remittance)
- Remittance (International Money Transfers )
- Visa CardPay
- SAVE Accounts, Deposits
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- BORROW Loans, EMI
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- content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f?path=/Menu Icons/insure.svgINSURE
- content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f?path=/Menu Icons/travel_insurance_plan.svgTravel
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- falseHDFC ERGO Home Insurance
Home Insurance
Safeguard your home and valuables with comprehensive cover

Features and Benefits
Features and BenefitsYou will get some exclusive features and benefits with your Home Insurance
- Complete Protection: Avail of protection for both your home and its contents
- Optional cover: Along with extensive coverage, a low cost optional cover for burglary, including theft and larceny is also offered.
- Premium discounts: You can avail of a premium discount 15% for security features at your home
- Minimum Documentations: Minimum & uncomplicated documentation required for this policy.
Click here to download the brochure
Home Insurance policy offer
Home Insurance policy offerHere are the details regarding the coverage that the Home Insurance policy offers:
1) Fire and Special Perils
Building (section I) and Contents (Section IA)
This covers the structure of your home and contents against the following.
- 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
- Terrorism
The Sum Insured for the Fire and Special Perils cover is as follows:
The sum insured for the property 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 will be determined by the construction cost which does not include the cost of land. The reconstruction cost is based on the following parameters:
- 1. Built-up area of the house (Square Feet)
- 2. Cost of construction in your area / locality
2) Burglary and Housebreaking including Larceny and Theft
(Section II) - Contents (as defined by Indian Penal Code)
You can insure the possessions in your home against loss due to burglary, attempted burglary and/or break-ins. If your jewellery is kept in a locked safe within the home premises, it will also be covered, if same is declared at time of taking insurance.
The Sum Insured for Burglary and Housebreaking including Larceny and Theft is as follows:
- The conditions under Section I A Fire and Special Perils will also apply to 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.
The rates of premium on HDFC ERGO Home Insurance policy are as follows:
Section - I |
Section - II | ||||||
---|---|---|---|---|---|---|---|
SFSP Cover |
BHB Cover | ||||||
(a) BLDG / In lakhs |
Base premium |
Revised premium |
(a) Contents/ In lakhs |
Base premium |
Revised premium |
(a) Contents/ In lakhs |
Premium (incl of ST 15%) |
5 |
340 |
391 |
1 |
68 |
78 |
1 |
276 |
7.5 |
510 |
587 |
1.5 |
102 |
117 |
1.5 |
413 |
10 |
680 |
782 |
2 |
136 |
156 |
2 |
552 |
12.5 |
850 |
978 |
2.5 |
170 |
196 |
2.5 |
691 |
15 |
1020 |
1173 |
3 |
204 |
235 |
3 |
828 |
17.5 |
1190 |
1369 |
3.5 |
238 |
274 |
3.5 |
966 |
20 |
1360 |
1564 |
4 |
272 |
313 |
4 |
1104 |
22.5 |
1530 |
1760 |
4.5 |
306 |
352 |
4.5 |
1242 |
25 |
1700 |
1955 |
5 |
340 |
391 |
5 |
1380 |
27.5 |
1870 |
2151 |
5.5 |
374 |
430 |
5.5 |
1518 |
30 |
2040 |
2346 |
6 |
408 |
469 |
6 |
1656 |
35 |
2380 |
2737 |
6.5 |
442 |
508 |
6.5 |
1794 |
40 |
2720 |
3128 |
7 |
476 |
547 |
7 |
1932 |
45 |
3060 |
3519 |
7.5 |
510 |
587 |
7.5 |
2070 |
47.5 |
3230 |
3715 |
8 |
544 |
626 |
8 |
2208 |
50 |
3400 |
3910 |
|
Click here to read the policy wording.
Exclusions
ExclusionsThe following are the exclusions on the policy that you should note.
- Wilful destruction of property
- Loss or damage caused by depreciation, wear and tear and consequential loss of any kind
- Loss or damage, directly or indirectly, caused by, arising from or in consequence of or contributed to by nuclear weapons material and/or ionizing radiations
- 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.
PLEASE NOTE: *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. CA00100
Claim Procedure
Claim ProcedureIn the event of any claim, call HDFC ERGO’s toll free helpline no. 022 6234 6234 / 0120 6234 6234 and register your claim at the earliest. Once you have registered your claim, a surveyor will be appointed to estimate the loss / damage, based on the type of loss viz. fire / burglary etc.
Simply keep the following details handy:
- Equipment damaged
- Location of loss
- Cause of loss and
- Amount of loss (approximate estimation)
- Your policy number for reference
Once you have registered your claim, a surveyor will be appointed to estimate the loss / damage, based on the type of loss viz. fire / burglary etc.
The Claim form and other documents related to the nature of loss can be collected from you by HDFC ERGO personnel. Alternatively, you may send them to our Claims Processing Cell at the following address:
HDFC General Insurance Company Limited
6th Floor, Leela Business Park,
Andheri Kurla Road,
Andheri – East, Mumbai- 400 059, India
Please retain a copy of the documents sent for your records. On receiving the full and final documentation, the claim will then be processed promptly.
The documents required will depend according to the loss that has occurred. Here is a preliminary list:
For loss / damage due to fire:
- Fire brigade report, if applicable
- FIR, if applicable
- Repair bills or replacement bills as desired by the Surveyor
- Any other documents that the Surveyor thinks appropriate
- In case of high valued items, original purchase invoice with details on the make, manufacturing year, etc is required to arrive at the depreciation and basis of indemnity etc.
For losses due to burglary:
- Original invoice mentioning value of the item(s) stolen
- Replacement cost / repair cost.
- FIR
- Final police report
To download the claim form, Click here
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. CA0010
The safer my house the bigger discount I get on my premium

Already have Insurance?
Already have Insurance?Get Started with your Home Insurance
Got your Welcome Kit? Inside it you will find:
- A Policy Document:
- Policy Wordings: to help you understand what is covered under the policy
Did you know?
- You can get protection for both your home and its contents.
- You can get an optional low cost cover for burglary, including theft and larceny.
- You can avail a premium discount of up to 15% for security features.
You may also benefit from:
- A Travel Insurance Policy that protects you against any loss, delay or damage when you are abroad.
- A Health Suraksha Policy that provides you optimal coverage for treatment, including all pre and post hospitalization costs.
- A Critical Illness Insurance Policy that gives you a lump sum amount required to treat critical illnesses and pay for associated treatment.
Claim settlement
Claim settlementGet access to easy claim settlements
To make a claim, call HDFC ERGO’s toll free helpline 022 6234 6234 / 0120 6234 6234 and register your claim
Once you have registered your claim, a surveyor will be appointed to estimate the loss
HDFC ERGO personnel will collect the claim form and other documents related to the claim. Alternatively, you may send them to our Claims Processing Cell at the following address:
HDFC General Insurance Company Limited
6th Floor, Leela Business Park,
Andheri Kurla Road,
Andheri – East, Mumbai- 400 059, India
Know more about the claims procedure
Keep the following details handy to process the claim:
- Equipment damaged
- Location of loss
- Cause of loss
- Amount of loss (approximate estimation)
- Policy number for reference
For loss / damage due to fire:
- Fire brigade report, if applicable
- FIR, if applicable
- Repair bills or replacement bills as desired by the Surveyor
- Any other documents that the Surveyor thinks appropriate
- In case of high value items, original purchase invoice with details on the make, manufacturing year, etc is required to arrive at the depreciation and basis of indemnity etc
For loss due to burglary:
- Original invoice mentioning value of the item(s) stolen
- Replacement cost / repair cost
- FIR
- Final police report
FAQs
What are the eligibility criteria to avail a Home Insurance policy?
For individuals - Any resident Indian who is the owner and / or occupant of the property can purchase a Home Insurance Policy. However Home Insurance - multiyear policy can be issued only to house / flat owners and not to tenants.
For Society – Any authorized member of society’s managing committee can buy policy to cover society building & common utilities wherein policy needs to be issued in name of society.
What will be the start date of my insurance policy?
Your insurance cover starts from the commencement date indicated on the policy schedule, this could be any selected date (not later than 15 days) after date of payment of premium.
What is the maximum policy period under Home Insurance?
Home insurance can be purchased for policy period from 1year and 3 to 5 years.
Do I need to pay premium in advance for multiyear policy, i.e policy period more than 1 year?
Yes, entire premium has to be paid in advance.
How do we do the property valuation for home insurance?
Property valuation is done by multiplying the built up area of the property with the cost of construction per square feet.
Currently the cost of construction is taken around 1500 to 2000 depending on the location of the property and type of construction.