The New India Bharat Griha Raksha

The New India Bharat Griha Raksha
 

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Home insurance under the Bharat Griha Raksha policy is designed as a standard home insurance policy in India, offering comprehensive protection for both your property and belongings. It functions as a complete home building and contents insurance, ensuring that not only the physical structure of your house but also the items inside are financially protected.

One of the key advantages of this policy is its wide coverage against unexpected risks. It provides a strong fire and natural calamity cover, safeguarding your home from events such as fire, earthquakes, floods, storms, and other natural disasters. This makes it an essential protection plan for homeowners who want long-term financial security and peace of mind.

By covering both the structure and its contents under a single policy, Bharat Griha Raksha simplifies insurance planning while ensuring that your home is protected against major uncertainties.



New India Bharat GrihaRaksha
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The New India Bharat
Griha Raksha

Complete home protection — covering your building, contents & family. Trusted insurance for every Indian home.

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Home Building Cover
Covers loss, damage or destruction of your home structure including fittings & fixtures.
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Home Contents Cover
Furniture, TVs, ACs, kitchen equipment & all household items — fully protected.
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Valuable Contents
Jewellery, silverware, paintings, antiques & works of art covered on Agreed Value Basis.
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Personal Accident Cover
₹5 Lakh compensation per person (you or spouse) in case of death due to an insured event.
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Rent Cover (In-built)
Loss of Rent & Alternate Accommodation costs covered while your home is unfit for living.
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Professional Fee Cover
Up to 5% of claim for architects/engineers & 2% for debris removal — automatically included.
Fire & Explosion
Lightning
Earthquake
Flood & Tsunami
Cyclone & Storm
Landslide & Rockslide
Riot & Terrorism
Bursting of Pipes
Impact Damage
Theft (post-event)
Bush / Forest Fire
Sprinkler Leakage
No Underinsurance
Your full claim paid — no penalty for declared value gaps
₹10 Lakh
In-built contents cover (20% of building sum insured)
Tenant-Friendly
Owners, tenants, lessees & employees can all purchase