HDFC Ergo Home Shield

All You Need To Know

  • Provides Comprehensive coverage including loss due to Fire, earthquake, flood, storm, riot strike, Electrical & Mechanical Breakdown, burglary / theft. 
  • Contents shall include:
Include Not include
Electronic Items like AC, Washing Machine, TV, Refrigerator Portable equipments like Mobile phone, laptop, camera, watches
All contents including Furniture, clothing, beddings Jewellery
Kitchen items & equipments Electrical & Sanitary Fittings Paintings, Artifacts


Electrical & Sanitary Fittings

  • No list of contents required if coverage is selected on loss limit basis ( up to Rs.25 lakhs)
  • Option to cover portable equipments like mobiles, laptops, camera (age up to 10 Years) on all risk basis - across India
  • You get New for Old - No depreciation on contents aged up to 10 years,
  • Any new asset purchased (Post purchase of policy) stands covered automatically in case loss limit option is selected.
  • Auto restore of Loss Limit after settlement (for contents) of loss
  • Deductible – INR 5,000/- each and every claim

Additional Features :-

  • Structure can be covered on Purchase Cost 
  • Structure can  include interior decoration Cost and cover can be opted with additional benefits such as :
    1.  Rent for Alternative Accommodation       
    2.  Hotel Stay (Max 15 days and upto Rs.15000 Per Day)     
    3.  Brokerage for alternate accommodation     
    4.  Expenses for shifting to alternate accommodation 
    5.  Emergency Purchases           
    6.  Keys and Locks replacement cover​​​​​​​
  • Option to Cover Jewellery on worldwide basis 
  • Discount allowed up to max 30% based on security and other features.

​​​​​​​* Refer policy wordings for further details available at our website :https://www.hdfcergo.com/documents/downloads/policywordings/home-shield-policy-wording.pdf

​​​​​​​*  Watch video on https://www.youtube.com/watch?v=8ST0S2pENkQ

FOR FURTHER INFORMATION, PLEASE CONTACT YOUR RELATIONSHIP MANAGER

Commission on General Insurance

Frequently Asked Questions

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.

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.

Home insurance can be purchased for policy period from 1year and 3 to 5 years.

Yes, entire premium has to be paid in advance.

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.