Confused about home insurance? Discover how Bharat Griha Raksha Policy protects your home from fire, floods, earthquakes, and more. Learn what’s covered, what’s excluded, and how to file a claim without rejection.
What is Bharat Griha Raksha Policy?
The Bharat Griha Raksha Policy is a standardized home insurance policy introduced by IRDAI (Insurance Regulatory and Development Authority of India) to provide comprehensive protection to homeowners against fire, floods, earthquakes, and other natural disasters. It ensures financial security against unforeseen damages to the structure and contents of the home.
Key Features of Bharat Griha Raksha Policy
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Covers fire, flood, storm, and earthquake damages
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Protection against theft within 7 days of an insured event
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Automatic 10% increase in Sum Insured every year
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Covers rent for alternative accommodation if your home becomes unlivable
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Simple and transparent claim process
What’s Not Covered? (Exclusions)
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Loss due to war or nuclear radiation -
Gradual wear & tear
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Illegal construction
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Loss from theft without a covered disaster
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Damage due to willful negligence
Who Can Buy Bharat Griha Raksha Policy?
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Homeowners (for structure and contents) -
Tenants (for home contents only) -
Landlords (for building structure)
How to Calculate the Right Sum Insured?
| Coverage Type | Calculation Method | Example |
|---|---|---|
| Building Cover | Carpet Area (in sq.ft) × Cost of Construction per sq.ft | ₹1500/sq.ft x 1000 sq.ft = ₹15,00,000 |
| Contents Cover | Approx. 20% of building value (Max ₹10 lakh) | ₹15,00,000 x 20% = ₹3,00,000 |
Pro Tip: Always update your sum insured every 2-3 years to avoid underinsurance.
Step-by-Step Guide to File a Claim Without Rejection
Inform Your Insurer within 24 hours of the incident.
File an FIR (if applicable) for theft or major damage.
Submit necessary documents (photos, invoices, proof of loss).
Get a Surveyor’s Report for damage assessment.
Claim Approval & Payout.
Top 5 Reasons for Claim Rejection / reduction & How to Avoid Them
Common Reason |
How to Avoid It |
| Incorrect Sum Insured | Regularly update your policy coverage. |
| Delay in Filing Claim | Report the incident within 24 hours. |
| Incomplete Documentation | Keep records of receipts, photos, and proof of loss. |
| Damage Not Covered | Understand the exclusions before buying. |
| False Information | Always provide accurate information. |
Why Bharat Griha Raksha Policy is Better Than Other Home Insurance Policies?
| Feature | Bharat Griha Raksha | Other Policies |
| Standard Coverage | Yes |
No |
| Fixed Premium Rates | Yes |
No |
| Automatic Sum Insured Increase | Yes |
No |
| Transparent Claim Process | Yes |
No |
Final Thoughts
The Bharat Griha Raksha Policy is the best solution for homeowners in India looking for affordable, transparent, and comprehensive coverage against natural disasters and other risks.
Secure your home today and enjoy peace of mind with financial protection against unexpected damages.
Have questions? Drop your doubts in the comments
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