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

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

Key Coverages

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Building Coverage

Protects the structure of your home including walls, roof, floors, and fixtures.
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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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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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Liability Coverage

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