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Home is one of the most important assets owned by us and it must be given the most trusted protection it deserves. Hence, HDFC ERGO brings Standard Fire and Special Perils policy that offers coverage against loss or damage caused to your home and its contents in case of unforeseen events such as fire, riots, flood, inundation etc. Insure your home with HDFC ERGO’s Standard Fire and Special Perils insurance and get yourself peace of mind.


Key Highlights

Standard Fire and Special Perils insurance covers the Building and its Contents against the following mishaps -

  • Fire, explosions/implosions, lightning, aircraft damage

  • Riots, Strikes and Malicious Damage (RSMD)

  • Storm, Tempest, Flood and Inundation (STFI)

  • Bursting and/or overflowing of water tanks, pipes or apparatus

  • Impact damage by animals or rail/road vehicles

  • Subsidence and landslide including rockslide

  • Missile testing operations

  • Leakage from automatic sprinklers installations

  • Bush fire

  • Earthquake

  • Terrorism (Optional)

  • The sum insured for the home’s structure is based on the Reconstruction Cost. The reconstruction cost of the structure is determined by multiplying built up area of the house (in square feet) X cost of construction in your area/locality. Sum Insured for contents other than personal effect would be on replacement value of the insured’s item

  • Sum Insured for Personal Effect would be on Market Value which is Replacement Value less depreciation.



The exclusions with the Standard Fire and Special Perils insurance policy are: -

Suggest to keep the list of exclusions as per present website contents


*Please note these are illustrative exclusions. Kindly refer the policy wordings for a detailed list.

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