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Standard Fire and Special Perils Insurance Policy - HDFC ERGO
Standard Fire and Special Perils Insurance Safeguarding your priceless property & possessions
  • - Covers building & contents
  • - Instant online policy with Zero Documentation
  • - Option for One year and Long term Coverage

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Standard Fire and Special Perils Insurance

“It is just not enough to have an insurance cover for your home but what matters is the right home insurance that covers all possible liabilities”

A home is the place of innumerable memories; no money is better spent than what is invested on your home. Safeguarding your home from unforeseen events such as fire, riots etc should be a priority and the best way of securing your home is with HDFC ERGO’s Standard Fire and Special Peril Insurance.

With HDFC ERGO Standard Fire & Special Perils Policy, you can ensure the trusted protection for your home. Importantly, it is brought to you by HDFC, a name synonymous with “home” to millions across India, and ERGO, one of the world leaders in non-life insurance solutions.


Key Highlights

  • Policy Can be bought by Housing societies and Individual home/flat owners
  • Covers risk against Fire, Flood, Earthquake, Lighting, Explosion, Inundation, Storm, Riot, Strike, Terrorism (optional) etc..
  • Get Policy online instantly - No documentation required
  • Coverage upto 15 years. Housing society can buy it only for one year.
  • Coverage from 1 Lakhs to 3.0 Crs
  • Discount upto 50%
  • Provision for increase in Sum Insured by 10% at end of every year
  • Simplified claim procedure
  • Mobile app to manage Policy


Given below is the list of key features. For details please refer policy wording section.

  • Policy provides cover against
    • Fire
    • Earthquake
    • Lightning
    • Explosion/Implosion
    • Aircraft Damage
    • Riot, Strike, Malicious Damage
    • Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation Loss, destruction or damage directly caused by Storm, Cyclone
    • Impact Damage
    • Subsidence and Landslide including Rock slide
    • Bursting and/or overflowing of Water Tanks, Apparatus and Pipes
    • Missile Testing operations
    • Leakage from Automatic Sprinkler Installations
    • Bush Fire
  • Option to cover Terrorism at a nominal premium
  • Covers both Structure & Contents of house
  • Structure covers the physical structure of the home flat that can be damaged because of earthquake, flood, fire
  • Content covers the belongings inside your home for example furniture, bicycles, Television, refrigerators
  • Flexibility to select between 2 plans (a) coverage for increased Sum insured at end of each year under long term policy (b) Fixed Sum Insured basis in lieu of long term discount
  • Multiyear Policy can be availed by house/ flat owners only
  • Renters can cover only content and buy policy for one year
  • Housing societies can buy policies for one year tenure

General Exclusions

Given below is the list of key exclusions. For detailed terms and conditionsl please refer policy wording section.

  • Losses arising out of Burglary, theft. Housebreaking, larceny
  • Loss and/or damage arising out of War, Invasion, Act of Foreign enemy, hostilities, etc
  • Loss or damage due to nuclear perils
  • Damage to property due to Pollution and contamination
  • Loss or damage due to wear and tear, gradual deterioration or slowly developing flaws.
  • Loss, destruction or damage to the stocks in Cold Storage premises caused by change of temperature
  • Consequential Loss
  • Willful Misconduct or Negligence
  • Loss and/or damage to jewellery, precious stones, money, bullion or documents of any kind unless specifically declared.
  • Cost of land
  • Co-operative societies cannot take long term policy for entire society building
  • Property Under construction cannot be covered under this policy
  • Any Loss or damage occasioned by or through or in consequence directly or indirectly due to Earthquake, Volcanic eruption or other convulsions of nature if Earthquake as Add on cover is not opted.


  • What will be the start date of my insurance policy?

    Your insurance cover starts from the commencement date indicated by you or receipt of premium by us, whichever is later.
  • What are the eligibility criteria to avail a Multi Year Home Insurance policy?

    Any resident Indian who is the owner of the property & which is located in India can purchase a Multi Year Home Insurance Policy.
  • How do we do the property valuation for home insurance?

    Property valuation is done by multiplying the built up area of the property with the cost of construction per square feet.
  • What is the maximum tenure of the policy?

    Maximum duration of this product is 5 years
  • How do we calculate the premium?

    Premium can be calculated by multiplying premium rate with sum insured
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