HDFC Ergo offers home insurance product online

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NEW DELHI: Insuring your costliest asset is now a matter of a few clicks. HDFC Ergo has extended its online platform to include home insurance.

The company already offers motor, travel, health and personal accident insurance online. The online facility will be helpful for new and existing buyers. One can buy a new policy or renew an existing one through this channel.

A buyer can choose comprehensive cover for his home and its contents against fire and allied perils, burglary and theft. While a comprehensive policy covers the building, appliances, furniture and fixtures against damage and theft, though there is a Rs 10,000 cap on the cover for jewellery and cash is not covered. However, one can also take terrorism cover.

The company claims it offers very competitive premium rates. A house with a built up area of 2,000 sq ft will be covered for Rs 30 lakh and its contents for roughly Rs 4 lakh for an annual premium of Rs 3,676. The buyer also has the choice of converting the premium into three easy EMIs.

HDFC Ergo, a 74:26 joint venture between the housing finance major HDFC Ltd and Ergo International AG, a German insurance group, has been investing substantially in developing its technology platform. Over the past year, it has seen a substantial increase in the online sale of policies.

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