• As per various reports, the uptake of home insurance in India remains remarkably low. Given the vast number of homeowners and renters/tenants in our nation, it is astonishing that individuals neglect to insure their homes and possessions, which they have invested years in building and gathering. A comprehensive home insurance policy protects your home from losses caused by various types of natural disasters (such as fire or earthquakes) as well as many actions linked to human activity (like burglary or riots).

Why You Should Purchase Home Insurance from HDFC ERGO

• HDFC ERGO stands out as one of India’s leading home insurance providers and has transformed this sector by offering unmatched benefits and promotions. They have elevated the concept of comprehensive coverage by including protection for aspects that were typically overlooked or required separate policies. Let’s explore some reasons to purchase home insurance from HDFC ERGO.

Coverage for Owners and Tenants

• For a long time, it was believed that home insurance was only for property owners. Tenants were often unaware that they could also protect their home belongings. HDFC ERGO offers reassurance and peace of mind to both property owners and tenants by safeguarding their belongings and home structures (for owners specifically).

• It delivers extensive coverage against:
• Fire
• Theft and Burglary
• Natural Calamities
• Manmade Hazards
• Accidental Damage to fixtures and fittings
• Alternate Accommodation in case of relocation due to home damage
• Contents covered up to Rs. 25 lakhs
• Home belongings hold not just material value, but emotional significance as well, making their protection a top priority. Through the HDFC ERGO home shield insurance, you can opt to insure all your possessions, up to Rs. 25 lakhs, without needing to provide any specified list of home belongings.

Optional Covers

Even though a wide range of risks is already included in the comprehensive policy, there are several optional covers that can be added. For instance:

• Portable Electronic Equipment Cover – covers various portable electronics under 10 years old. This includes cameras, laptops, music players, etc. This is especially beneficial for those who are frequent travelers. Please refer to the details on the HDFC ERGO site.

Jewellery and Valuables Cover –

• protects your jewelry and accessories made from precious metals or stones. This is particularly advantageous in the event of a theft at home. Please refer to the details on the HDFC ERGO site.

Terrorism Cover –

• insures home structure (for owners) and belongings for both owners and tenants against damages resulting from acts of terrorism. This is especially critical for individuals living in areas prone to terrorism. Please refer to the details on the HDFC ERGO site.

Award Winning Service

• HDFC ERGO offers 24×7 support that has been acknowledged in numerous forums and has received several awards. A significant reason for this is their smooth, transparent, and quick claims processing and payment systems.

Persuasive and Affordable Premiums at HDFC ERGO Home Shield Insurance

• A residence and its possessions are typically a combination of a lifetime’s hard work and effort. It is essential to protect them from unexpected damages and losses. HDFC ERGO gives you the option to select coverage ranging from 1 to 5 years with attractive and affordable premiums along with related tenure benefits. Additional information regarding premiums based on the type and nature of coverage and tenure can be easily accessed on the HDFC ERGO website.

Up to *45% Discount for HDFC ERGO Home Shield Insurance

• Another benefit that HDFC ERGO provides to motivate individuals to secure their homes and belongings is discounts on home insurance premiums. In fact, you can avail a wide range of discounts of up to 45% on the premium, which includes security discounts, salaried class discounts, and long-term coverage discounts. By visiting the HDFC ERGO website, you can check all the discounts available to you based on your eligibility.

Conclusion

• A home is frequently the most valuable possession for anyone. Disasters and accidents do not arrive unannounced, and it is our responsibility to be prepared. Whether it is the home’s structure or the items within, they need to be protected against such unpredictable situations through a comprehensive home insurance policy. With HDFC ERGO as your partner, you can be assured that you are in safe and reliable hands, whether you are a homeowner or a tenant.

Disclaimer:

• The information provided above is for illustrative purposes only. For more information, please review policy wordings and the prospectus before finalizing the sale.
• *Discount may vary based on the coverages chosen. Content sum insured may vary according to structure value. HDFC ERGO General Insurance Company Limited. Registered and Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. The trade logo displayed above belongs to HDFC LTD and ERGO International AG and is used by HDFC ERGO General Insurance Company Limited under license. For more details regarding risk factors, terms, and conditions, please read the sales brochure/prospectus before concluding the sale. Home shield Insurance – IRDAN125P0001V01201718. IRDAI Reg. No. 146 CIN: U66030MH2007PLC177117. UID No. D2-102