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Insta Home Insurance      

It is not just time and effort that go into making a home. A lot of emotions go into transforming a house into perfect home, whether it’s your own property  or one on rent.

At HDFC General Insurance Limited, we understand how much this means to you. We understand the irreplaceable value of something you hold so close to your heart. This is why we endeavour to protect it in every way possible.

With our Insta home insurance Plan, you do not have to deal with time consuming transactions. The plan offers on the spot cover, for a quick and hassle free transactions. Easy documentation provides for a strss  free policy for both your home and belongings.

Our   Insta  Home Insurance Plan  offers absolute and complete protection to your home and everything you consider valuable. It  offers you a  choice  of 4   sub-plan  options, all of which have a fixed Sum Insured and fixed price.There is no option to chose coverages  under various section below as these are  standard pre underwritten Plans.

Our premium calculations are easy and transparent so that the process of buying a policy with us is quick, hassle-free and seamless . Just choose from our range of insurance premium amounts according to your needs. They are

Section Cover Plan A Plan B Plan C Plan D
Section IB Fire & Allied Perils  for Contents 100000 200000 300000 500000
Secion II Burglary & Housebreaking for Contents 100000 200000 300000 500000
Section III Electronic Equipments (All Risk) 15000 30000 45000 90000
Section IV Protection to  Domestic Appliances 15000 30000 45000 90000
  Total Premium without service tax 399 799 1199 2099
  • Section IB: 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

General Exclusions

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

Note: For detailed list of exclusions please refer to the policy documents or contact our Insurance Partner.

How to Claim
  • Quick and Transparent Claims with HDFC General Insurance Limited

    All claims can be intimated to our 16X7 call centre. Surveyors if required would be deputed with in 24 hrs for the inspection and assessment of the loss. In case of Burglary, Police authorities’ needs to be intimated immediately upon occurrence of Loss. Only documents pertinent to the nature of the claim would be called for submission. On receipt of all documents / Investigation report (if required), we would communicate our decision on the claim within a period of 30 days.

  • How to Cancel Your Policy

You may opt to cancel the policy by giving us written notice to the policy issuing office or corporate office. We shall cancel the policy from the date of receiving such notice and refund you premium for the unexpired period on short period basis a premium refund will only be allowed if there is no claim reported under the Policy.

We may opt for cancelling the policy by giving 15 days notice in which case we shall be liable to pay le rateable proportion of the premium for the unexpired term from the date of the cancellation.

  • How to Cancel Policy During Free-Look Period

On receiving the policy document, you may review the terms and conditions of the policy. In the event of there being objection to any terms and condition, you have the option to immediately cancel the policy but not later than 15 days from the receipt of policy document. We shall refund the premium paid, after adjusting the amounts spent on the stamp duty charges and proportionate risk premium.

A premium refund will only be allowed if there is no claim reported under the Policy.

Other Home Insurance Plans

We have four other comprehensive home insurance plans one of which is long term policy.

They are

  • Primary Home Insurance Plan with 11 covers
  • Super Home Insurance Plan with 20  covers
  • Premium Home Insurance Plan  with 28 covers
What is The HDFC General Insurance Limited Advantage?

We are a state-of-the-art, technologically-driven company that has the calibre and expertise to provide world-class customer service. We combine innovative and unique product benefits coupled with seamless customer support to make sure our approach to your life is a thoughtful one. At HDFC General Insurance Limited, you are our priority.

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