HDFC ERGO my asset Insta Home Insurance plan offers on the spot cover, for a quick and hassle free transactions. Easy documentation provides for a stress free policy for both home and belongings. Insta Home Insurance Plan offers absolute and complete protection to your home and everything you consider valuable. It offers a choice of 4 sub-plan options, all of which have a fixed Sum Insured and fixed price. There is no option to choose coverages under various section below as these are standard pre underwritten Plans.
Section I: Fire & Allied Perils
This cover provides protection to your its contents against perils like fire, lightning, explosion/implosion, aircraft damage, RSMD, storm, cyclone, impact damage, subsidence, landslide, bursting or overflowing of water, missile testing operations, bush fire and leakage from sprinkler and earthquake.
We also cover loss, destruction or damage to bullion or unset precious stones, any curios or works of art and such things as stated in the policy up to an amount of INR 10,000/-
This makes sure you do not have to bear the financial brunt of losing prized possessions and valuables.
Please note that up to 3% and 1% of the admissible claim amount in the event of a loss will be paid for expenses related to architecture fees and debris removal, respectively.
Section II: Burglary and/or House Breaking for Contents
This cover provides protection to contents against loss due to burglary and/or house breaking. Further, damage to the house due to attempted burglary and/or house breaking is also compensated for, up to INR 10,000.
1% of each claim amount with a minimum of INR 2.500 will be borne by you.
Section III: Electronic Equipments (All Risk)
This cover provides protection to electronic equipments like Computers, Laptops, Tablets and Audio/Visual equipment against Fire & allied Perils, Burglary, theft, electrical and mechanical breakdown.
5% of each claim amount with a minimum of INR 2.500 will be borne by you.
Section IV: Protection to Domestic Appliances
This cover provides protection to domestic appliances against electrical and mechanical breakdowns. The claim amount includes cost of transportation for repair.
The excess is 1% of claim amount subject to a minimum of INR 500 for each and every claim
The policy does not cover loss or damage due to