Purchasing your dream home is the biggest investment of your life. With such an investment the responsibility also comes to safeguard it from risks like natural calamities, unforeseen damages, manmade disasters and threats like burglary and theft. Each corner of the house has a story that brings us smiles and joy. Buying a home insurance policy will give you peace of mind, assurance and safety against these unforeseen events. HDFC Ergo Home Insurance Policy is the best insurance policy which provides protection for your home from the damages.
HDFC Ergo Home Insurance Policy
Damage to your adorable home can make harm your savings as paying for the highly expensive repairs or make your homeless. So, employing a Householder Umbrella Insurance is a wise thing to do. HDFC Ergo Householder Insurance is offered by HDFC Ergo General Insurance to provide financial protection if your home or its contents are damaged. With HDFC Ergo Household Umbrella Insurance, Insured can be financially prepared to face any unexpected incidents. HDFC Ergo General Home Insurance offers two different plan to protect your property. For more details regarding the HDFC Ergo General Home Insurance visit the official website.
HDFC Ergo General Home Insurance Policy Features and Benefits
The HDFC Ergo Home Insurance Policy offers many features for its customers. Before buy a new HDFC Ergo General policy customer have to the benefits covered. The benefits are given below.
- Coverage upto five years.
- Option to cover Terrorism.
- Get Discount upto 25% +15%.
- Consequential Loss.
- Flexibility in customization of policy.
- A unique umbrella policy for homeowners with long term coverage.
- No documentation, get an instant online policy.
- Reduced premiums are saving your money.
HDFC Ergo General Insurance Home Policy Various Plans
The HDFC Ergo General Insurance Home Policy offers financial support for their customers with two types of Home Insurance Plans. Those Home Insurance Plans details are given below.
- Home Insurance Plan.
- Standard Fire and Special Perils Plan.
HDFC Ergo Home Insurance Plan
Protect your home with Home Insurance Policy. HDFC ERGO’s Home Insurance plan provides safety for your home and also ensures safety for all the belongings. This HDFC Ergo Home Insurance Policy is the unique house insurance policy for homeowners with long term coverage which is upto five years. HDFC ERGO General Home Insurance is more than a Policy insurance cover for your home. UIN – HDE-OT-P14-70-V02-13-14 is the unique identification number for the HDFC Ergo Home Insurance Plan. For more details regarding this plan, click on the HDFCErgo Home Insurance Plan Brochure provided here.
Standard Fire and Special Perils Plan – HDFC Ergo General Home Insurance
A home is the place of valuable memories. Everyone wants to invest their money for the own home. To secure your home from unforeseen events such as riots, fire, etc. is the responsibility for you. The best way of Protecting your home is buying an HDFC ERGO’s Standard Fire and Special Peril Insurance Plan. For more details regarding this plan, click on the HDFC Ergo Standard Fire and Special Peril Policy Brochure provided here.
Eligibility for HDFC Ergo Insurance Home Plans
| HDFC Ergo Home Insurance Plan |
Standard Fire and Special Perils Plan |
| Individuals residing in independent houses or flats. | Individuals residing in flats or independent houses. |
| Homeowners or tenants (only for the cover of contents for fire as well as burglary) | Policy can be availed by house or flat owners only |
| Multi-year policy can be availed by the house or flat owners only. |
HDFC Ergo Insurance Home Policy Coverages / Inclusions
The HDFC Ergo General Home Insurance Policy is designed to cover the damage or loss caused to the Valuable things in your house. It Covers the destruction of loss/ damage to the insured property and Package. The Coverages of Home Insurance Policy is given below.
Perils covered by Home Insurance Policy:
- Earthquake.
- Fire.
- Lightning.
- Aircraft Damage.
- Explosion/Implosion.
- Strike, Riot, Malicious Damage.
- Cyclone, Storm, Typhoon, Hurricane, Tempest, Tornado, Flood and Inundation Loss.
- Impact Damage.
- Bursting or overflowing of Water Tanks, Pipes and Apparatus.
- Subsidence and Landslide including Rockslide.
- Leakage from Automatic Sprinkler Installations.
- Missile Testing operations.
- Bush Fire.
Specific Covers:
- Covers Structure and Household Contents.
- Content covers the belongings inside your home such as furniture, Television, bicycles, refrigerators.
- Option to cover Terrorism at a nominal premium.
- Renters can cover only content and buy a policy for 1 year.
HDFCErgo Insurance Home Policy Exclusions
The Policy exclusion eliminates coverage for some damages. In many insurance policies, exclusions are included in the insuring agreement. The General Home Insurance Policy agreement also contains some Exclusions for damages. Follow us for getting the Ergo Exclusion details about the Home Insurance plans. Here we have provided the Home Insurance Policy Exclusions.
- War, riot, invasion, malicious damage.
- Loss or damage due to nuclear perils.
- Consequential Loss.
- The Cost of land.
- Willful Negligence or Misconduct.
- Damage caused by pollution.
- Property Under construction.
- Loss arising out of Earthquake or other convulsions of nature.
HDFC Home Insurance Plans Premium Calculator
The HDFC Ergo Home Insurance Plans Premium Calculator is available on the official website. If you want to buy any Insurance policy first you have to know complete details about that Policy. Personal Details are required to check the Premium. Therefore, we have provided the list of required details. The Required Details include
- Date Of Birth.
- Age.
- Policy Term.
- Premium Paying Term.
- Sum Assured.
Buying Process for HDFC Ergo Home Policy
HDFC Ergo Home Insurance Policy is available at the Nearest Branch Office of the HDFC Ergo General Insurance Company. Also, you can buy a new Home Insurance policy through online. The Online Process for buying is given below.
- Open the Official Website www.hdfcergo.com.
- The HDFC Ergo General Insurance Homepage will display.
- Click on the Buy Now option from the Home Page.
- Select Home Insurance Policy from the list.
- A new page will display with various options.
- Fill the fields with correct details.
- And upload the required documents with specified size.
- Here you can Calculate Your Premium.
- After that, Payment page will display.
- Pay the Money through online.
- Finally, A receipt will display on the screen.
- Take a Print out for the further reference.
Ergo General Insurance Home Policy Renewal Process
HDFC Ergo General Home Insurance Policy Renewal is available at the Nearest Branch Office of the Ergo General Insurance Company. Also, you can Renewal Home Insurance policy through the official website. The Online Process for renewal is given below.
- Open HDFC Ergo General Insurance Homepage.
- Click on the Instant Renewal option from the Home Page.
- Enter your Policy Number.
- It will redirect to the online payment page.
- Pay the money through online.
- After Payment, your policy renewal is completed.
- Finally, A receipt will display on the screen.
- Take a Print out for the further reference.
By following this procedure customer can successfully Renewal their HDFC Home Insurance policy.
Claim Process for Hdfc Ergo Home Insurance Plans
The Customer can apply for Home Insurance Claim through online at the official website. The alternative ways to apply for the claim such as at Branch Office, Mail Id services and Helpline Number. The Online Claim Process is given below.
- Open HDFC Ergo General Insurance Homepage.
- Click on the Claims option from the Home Page.
- A new page with various options will display.
- Click on Register A Claim option.
- Fill the fields with correct details.
- Submit your Claim Form.
Following information needs for intimating a claim:
- Your Contact Numbers.
- Policy Number.
- Name of Insured
- Date & Time of Loss
- Nature of Loss
- Location of Loss
For any losses or damage due to Fire then these given documents are required for the Claim:
- Fire brigade Report if applicable.
- Reconstruction cost of the Residence.
- Repair bills or replacement bills.
- FIR if applicable.
For Losses due to Burglary then these given documents are required for the Claim:-
- FIR
- Replacement cost or Repair cost.
- Original invoice giving value of the item stolen.
- Final Police Report.
HDFC Ergo General Insurance Details
HDFC ERGO General Insurance Company Ltd is a joint venture between HDFC Ltd and ERGO International company. The Company Headquarters is located in Mumbai, India. HDFC Ltd has 74% stake, and ERGO has remaining 26% stake in the company. This General Insurance Company provides Motor Insurance, Health Insurance, Travel Insurance, Personal Accident, Home Insurance, Commercial Insurance and Rural Insurance Policies. HDFC General Insurance Company operates in eighty-nine Indian cities across the country. The company is the 4th largest general insurance company in the private sector. For more details regarding the HDFC Ergo Insurance Policies visit Official Website www.hdfcergo.com.