Home Insurance

With HDFC ERGO Home Insurance Policy, you can choose to cover the structure of your home only or include the household contents as well in a single policy with minimum documentation

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 & other Convulsions of Nature
- Impact damage by rail/road vehicle and animal
- Subsidence and Landslide including Rockslide
- Missile testing operations
- Leakage from automatic sprinklers installations
- Bush fire
  
  The sum insured for the structure of the house is based on the Reinstatement Value. Quite simply, it would be the reconstruction cost of the house in the event of any loss/damage due to any of the insured events like Fire, Riots, Storm, Flood and so on.
  
  The reconstruction value for the structure is determined by the construction cost. This, however, would not include the cost of Land. The reconstruction cost is based on two parameters which are mentioned below:-
- Built Up Area of the House (Square Feet)
- 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 also insure the contents of your home against loss due to burglary and /or housebreaking or any attempted burglary. Jewellery kept in Locked Safe within the Home premises can also be covered.

Sum Insured for Contents under Section I A Fire & Special Perils and Section II Burglary & Theft should be the same.

The Sum Insured for Contents / Valuables is based on the market value.

You could cover a host of household items like Electronic Equipments, Furniture & Furnishings, Jewellery, Clothes and so on.

Section IA: Fire& Special Perils Cover		Section IB: Contents		Section II: Burglary and Theft Cover
Sum Insured (in Rs.)	Premium (in Rs.)	Sum Insured (in Rs.)	Premium (in Rs.)	Sum Insured (in Rs.)	Premium (in Rs.)
500,000	393	100,000	79	100,000	270
750,000	590	150,000	118	150,000	404
1,000,000	787	200,000	157	200,000	539
1,250,000	983	250,000	197	250,000	674
1,500,000	1180	300,000	236	300,000	809
1,750,000	1376	350,000	275	350,000	944
2,000,000	1573	400,000	315	400,000	1079
2,250,000	1770	450,000	354	450,000	1213
2,500,000	1966	500,000	393	500,000	1348
2,750,000	2163	550,000	433	550,000	1483
3,000,000	2360	600,000	472	600,000	1618
3,500,000	2753	650,000	511	650,000	1753
4,000,000	3146	700,000	551	700,000	1888
4,500,000	3539	750,000	590	750,000	2022
4,750,000	3736	800,000	629	800,000	2157
5,000,000	3933