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Home Shield Insurance

You have invested your lifelong savings to buy a place; you call it Your Home. It’s that one place where you enjoy, relish and spend time with your family. But, merely buying your dream home isn’t enough; you must protect it as well. Any damage caused to your home may lead to financial losses and creating everything all over again may jeopardize your savings. To secure your home from unforeseen risks and to enjoy peace of mind, we have meticulously designed a one in all insurance policy – Home Shield Insurance. As the name goes, Home Shield is a comprehensive coverage plan which protects your home structure as well as its contents.

Home Shield protects your home from flood, fire breakout, theft or burglary. This policy can be opted by both tenants and home owners. Home owners can choose to cover both home structure and contents; however tenants can secure their contents with this policy.

Why choose HDFC ERGO for Home Shield insurance?

  • 24*7 Support
    HDFC ERGO offers round the clock support for convenience and a hassle-free experience. You can call us on 1800 2700 700 or write an e-mail to:
  • Zero Documentation
    You need not go through lengthy procedures for buying online Home Shield insurance policy.
  • Trusted by Millions
    With over 75 lakhs happy customers, HDFC ERGO is a recognized brand for taking care of your insurance needs. The brand has been assigned ‘iAAA’rating by ICRA indicating its highest claim paying ability.
  • Fair and transparent claim settlement policies
    HDFC ERGO Home Shield Insurance claims are settled with utmost transparency.


  • Long Term cover upto 5 years
  • Discount upto 12% on long term cover
  • Get full contents covered upto10 Lakhs
  • Coverage for Portable Electronic Equipment with Worldwide coverage
  • Optional cover available to secure Jewellery & Valuables at Market value basis
  • Provision for increasing the sum insured upto 25% at the end of every year by opting for Escalation Add on
  • Unique optional covers like
        1. Cost of Hotel stay
        2. Emergency purchases ( Medicines, Food, Clothes, Toiletries etc )
  • Brokerage for Alternate accommodation
  • Additional discount if your home is protected by some Security Features
  • Standard excess of Rs. 5000/- for each and every claim irrespective of claim amount.

What gets covered under HDFC ERGO Home Shield Insurance Plan?

  • Home owners can cover Structure & household Contents
  • Tenants can cover contents
  • Covers risk against Fire, Lightning, Explosion, Implosion, Flood, Inundation, Storm, Riot, Strike, Earthquake, Terrorism (optional), Burglary, Theft, Electrical and mechanical breakdown, Automatic reinstatement of content sum insured (upto 2 times) after settlement of claim.
  • Building Covered  on
    • Agreed Value Basis which is Govt Ready Reckoner rates or Agreement value whichever is higher *Floor area
    • Reinstatement Value basis which is current cost of construction * floor area
  • Building upto 40 years old can be covered under Agreed Value basis
  • Optional cover for Jewellery & valuables as well as Portable equipment with worldwide extension
  • Home owners can also opt for Add on like Loss of Rent, Rent for alternative accommodation, Expenses of shifting to alternate accommodation, Emergency Purchases, Hotel Stay and Brokerage for Alternate accommodation that get triggered in case of a loss.
  • Insured can opt for Public Liability cover.

What does not get covered under HDFC ERGO Home Shield Insurance Plan?

  • Loss and/or damage arising out of War, Invasion, Act of Foreign enemy, hostilities, etc.
  • Loss or damage due to nuclear perils
  • 10 years old content and above will not be covered

(For a detailed list of exclusions, kindly refer our Home Shield Insurance policy wording)


  • What is Home Shield Insurance Policy?

    This policy is designed to cover your home and its contents for max period of 5 years against natural and man-made calamities such as earthquakes, flood, fire, theft, burglaries and any other risks your residential premise might be prone to.
  • What are the losses/perils covered under Home Shield Policy?

    Home Shield provides cover against losses to your building premises and/or contents on ALL RISK Basis, predominately covering fire, burglary, theft, accidental damage and natural calamities. Apart from that, you also get coverage for the works of art, jewellery and other valuable items in your home (if opted). If your property is uninhabitable for a certain period due to any of the perils covered and it needs repairs, you will get the benefit of renting an alternate accommodation until the property is fixed again.
  • Does Home shield cover Electronic and electrical equipments, domestic appliances?

    Home Shield policy covers electronic and electrical equipments, domestic appliances not older than 10 years. In addition this policy also covers portable equipment with worldwide coverage (if opted).
  • Does this policy also cover cash, money, stamp, share certificates, plans & designs, Business books or documents?

    No, these are excluded from scope of cover.
  • Can I cover Jewellery, curios and works of art under this policy?

    Home Shield provisions for cover of jewellery, Valuables, paintings & curious. The basis of coverage is as below:
    a. For works of art, Curios can be covered based on valuation report of the valuer approved by the company. Note that work of art does not include breakable items like porcelain, pottery and like
    b. Jewellery/Valuables can be covered basis the details submitted in proposal form.
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