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HDFC ERGO My Asset Primary Home Insurance

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HDFC ERGO my asset Primary Home Insurance


HDFC ERGO my asset Primary Home Insurance contains pre-approved value-added features which make for faster, absolute and complete protection to your home and everything you consider valuable. It gives you a choice of 11 different covers to protect your home and belongings. Of these, Section I B (Fire and Allied perils) and Section II (Burglary and/or House breaking) for contents are compulsory covers. In addition to these two compulsory covers, there are 9   Optional covers  that include Electronic Equipment( All Risk) , Protection to Domestic Appliances, Baggage Protection, Purchase Protection, Public Liability, Jewellery and Valuables , Wallet Cover, Plate glass and host of other covers   that are sought for the protection of home and its contents from various mishaps.


Key Features of HDFC ERGO my asset Primary Home Insurance


Section I: Fire & Allied Perils (Reconstruction Cost of Building and/or Contents)

This cover provides protection to both your building  and 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.


Exclusions - What is not covered in HDFC ERGO my asset Primary Home Insurance?


The policy does not cover loss or damage due to

  • War, invasion, act of foreign enemy,
  • Ionizing radiations or contamination by radioactivity
  • Any consequential loss or damage, of any kind or description
  • Depreciation or wear and tear
  • Wilful act of the Insured, his/her family, domestic Staff
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