Griha Raksha (Home Insurance)
Protect your home and belongings from fire, floods and theft.
Your home is probably your biggest asset, yet few Indian homes are insured. Bharat Griha Raksha is a standard home insurance policy defined by IRDAI and sold by general insurers. It covers the building and your household contents against fire, earthquake, flood, storm and more. Tenants can insure just their belongings.
Who needs it
- Home owners, whether or not they have a home loan
- Tenants who want to insure furniture, appliances and valuables
- Homes in flood- or earthquake-prone areas
What's covered
Building
Repair or rebuilding cost of the structure after a covered event.
Contents
Furniture, appliances, clothes and other household goods.
Natural calamities
Earthquake, flood, storm, cyclone, landslide and lightning.
Fire and explosion
Including damage from bursting tanks and pipes.
Riots and malicious damage
Damage from riots, strikes and malicious acts.
What's not covered
We show you the catch before you buy. Common exclusions (exact terms vary by insurer and plan):
- Deliberate damage by you or your family
- Normal wear and tear and gradual deterioration
- War and nuclear risks
- Jewellery, cash and valuables unless declared and covered
Popular add-ons
Valuables
Jewellery, art and other high-value items.
Burglary and theft
Theft after forcible entry into your home.
Personal accident
Cover for you and your spouse.
Documents checklist
To get a quote or buy
- Property address and type
- Approximate area and construction cost of the building
- Value of contents
- PAN card and Aadhaar (or another officially valid ID) for KYC
To make a claim
- Claim form and policy copy
- Photos of the damage
- FIR (theft, riots, malicious damage)
- Fire brigade report (fire)
- Repair estimates and bills, purchase invoices of damaged items
Frequently asked questions
I am a tenant. Can I insure my home?
Yes, you can insure your contents without owning the building.
Is my home loan insurance enough?
Often the bank insures only the structure, for the loan amount. Your belongings and any value above the loan are usually not covered.
How is the building value decided?
On the cost of reconstruction (area × construction rate), not the market value of the property, which includes land.
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