Home Shield

Home Shield Insurance is one of the most comprehensive product that covers your assets upto 5 years from virtually all the fortuitous events which could take away your peace of mind. Take it easy with and personalize your cover with your needs.

Key Features

  • Option to cover only the building (structure) or contents or both of your home upto 5 yrs on all risk basis.

  • Covers your home contents such as Furniture and Fixtures, Electronic Equipment, AC’s etc. at Replacement or Indemnity basis

  • Building can be valued at the following basis:

    1. Reconstruction Cost (Reinstatement Value)
    2. Depreciated Cost i.e. reinstatement cost <less>Depreciation (Indemnity Basis)

  • Multiple Options to choose such as Loss of Rent, Hotel Stay, Emergency Purchases,Expenses for shifting to alternate accommodation etc.

  • Optional coverage for Portable Equipment, Jewellery & Valuables, Public liability.


  • An Owner Occupant of Flat/ Apartment/ Independent Building can purchase this policy for his building and/ or contents, jewellery & valuables, Curios, paintings & work of art and portable electronics equipments.
  • An Owner Occupant of Flat/ Apartment can purchase this policy for his building on Agreed value basis.
  • A Tenant and other non-owners can also purchase this policy for contents, jewellery & valuables, curios, paintings & work of art and portable electronics equipments.

Contact us

In case of an Insured event giving rise to a claim under the Policy, the insured should immediately intimate the company on the below mentioned contact details.

Customer Service No: 18002700700

Email: care@hdfcergo.com

Terms and conditions

If the “Building and/or Contents, Jewellery & Valuables, Works of Art, Curios and Paintings, and Portable electronics equipments, if specifically Insured” belonging to the Insured be lost, destroyed or damaged by any fortuitous cause other than those specifically excluded, the Company will indemnify the Insured as per the terms of the policy


  • This Policy does not cover the excess of Rs. 5000/- for each and every claim irrespective of claim amount.

  • Any consequential loss or loss, destruction or Damage caused by war, invasion, act of foreign enemy hostilities or war like operations (whether war be declared or not), civil war, mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, rebellion, revolution, insurrection, or military or usurped power or seizure, capture, arrests, restraints and detainments of all kings, princess and people of whatever nation, condition or quality what so ever.

  • Loss or Damage to Contents due to defective workmanship, material or design, latent defect, wear and tear, depreciation, moth, vermin, termites, Fungi, insects or mildew, process of cleaning, dyeing or bleaching, restoring, repairing, retouching or renovation, inherent vice, warping or shrinkage, the action of light or atmospheric conditions, natural ageing or any other gradually operating cause

  • Loss or Damage due to manufacturing defects in Electrical, Mechanical and Electronic Items for which the manufacturer is responsible

  • Loss of or Damage to the Property Insured under this Policy falling under the terms of the maintenance agreement

  • Loss or Damage due to improper handling, dismantling, fitting adjustment, repair alteration or modification not approved by the makers/manufacturers and/or the agents of makers/manufacturers or use of such property contrary to the directives of the makers/manufacturers and/or his agents

  • Loss, destruction or Damage due to breakage, cracking or scratching of Crockery, Glass,Cameras, Binoculars, Lenses, Musical Instruments, Sports Gear and similar articles of brittle or fragile nature, unless caused by fire or accidental external mean

  • Loss, destruction or Damage arising from or occasioned by overloading or Strain, Overrunning Excessive Pressure, or test requiring imposition of abnormal conditions in case of Electrical, Mechanical and Electronic Items.

Home Shield Disclaimer

Home Shield Disclaimer

HDFC ERGO General Insurance Company Limited. IRDAI Reg. No.146. CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale. The above mentioned product is underwritten by HDFC ERGO General Insurance Company Limited. The Federal Bank Limited (Federal Bank Ltd, Federal Towers, Aluva, Kerala, India – 683101.) is an authorized corporate agent of HDFC ERGO General Insurance Company Limited. IRDAI License No.CA0227.UIN: Home Shield Insurance - IRDAN125P0001V01201718.UID: 4520.

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