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About Home Insurance

Bharat Griha Raksha Policy is a standardized home insurance policy to protect residential properties and their contents against various risks.

It is designed to give homeowners and tenants a simple, comprehensive, and affordable way to secure their homes.

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Key Coverages

01

Building Coverage

Protects the structure of your home including walls, roof, floors, and fixtures.
01
02

Contents Coverage

  • Protects home contents like furniture, appliances, electronics, and personal belongings.
  • Automatic coverage up to 20% of the building sum insured (maximum ₹10 lakh).
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03

Optional Coverages / Add-ons

  • Valuables Coverage: Jewellery, artwork, or high-value items beyond standard limits.
  • Personal Accident Cover: For the insured and spouse for accidental death or disability.
  • Other Add-ons: can opt for loss of rent, rent for alternative accommodation, temporary resettlement cover etc
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04

Liability Coverage

  • Provides limited protection against legal liability arising from accidents at home, if included as an add-on in the policy.
04

Bharat Griha Raksha Policy provides protection against damage or loss due to:

Bharat Griha Raksha Policy is a standardized home insurance policy  to protect residential properties and their contents against various risks. It is designed to give homeowners and tenants a simple, comprehensive, and affordable way to secure their homes.

Fire, lightning, and explosion

Fire, lightning, and explosion

Natural disasters: cyclone, storm, flood, earthquake

Natural disasters: cyclone, storm, flood, earthquake

Man-made perils: riots, terrorism, strikes

Man-made perils: riots, terrorism, strikes

Impact damage from vehicles, aircraft, or falling objects

Impact damage from vehicles, aircraft, or falling objects