| Coverage | Description | SBIG | HDFC Ergo |
| Structural Defect | physical damage to the Insured Property or any threat thereof caused by a Latent Structural Defect of such Insured Property. | Covered | Covered |
| Demolishing and Removal of Debris | The cost incurred for demolition and removal of debris in connection with the Loss | Covered | Covered |
| Professional Fees | professional fees, including but not limited to technical consultants’ and legal fees, necessarily and reasonably incurred in connection with the Loss. | Covered | Covered |
| Additional Costs | additional costs of repair or replacing and/or strengthening which arise out of alterations incurred solely and specifically in compliance with or consequent upon any building or other regulations under or pursuant to any statutory obligation | Covered | Covered |
| Additional Covers | |||
| Ingress of water from building flat roofs | Covered | ||
| Ingress of water from basement | Covered | ||
| • Ingress of water from external façade (only for commercial buildings) | Covered | ||
| Floor tiling in the apartment | Covered | ||
| Alternate rentals | Covered | ||
| Loss of Rent for a limited period | Policy covers loss of rent for alimited period , shoud repair cause for evacuation of building | Covered | |
| Water proofing of the terrace | Policy covers water proofing of terrace for a period of three years post one year successful application | Covered | |
| Weatherproofing of basement | Policy covers water proofing of basement for a period of three years post one year successful application | Covered | |
| failure of electrical cable | Covers failure of elctrical cables excluding electrical fittings | Covered | |
| Agreed Bank Clause | deals with the normal conditions attached to bank interest in the property insured and how insurer will treat such interests | Covered |