ImageHome Insurance – Buy Bharat Griha Raksha Insurance Policy for your Home
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Advantages of Home Insurance

Comprehensive Cover

Home insurance policy offers comprehensive coverage to both, the structure and contents of your home, against a wide range of risks such as fire, lightning, earthquake, theft, riot and other hazards.

Replacement Cost Cover

Homeowner insurance policy will pay for the expenses of replacing your personal belonging which got damaged in an unfortunate event with the brand new items of the same quality.

Affordable Premium

Home insurance comes at comparatively low premium rates. Also if proper safety equipment like burglary alarm are installed at home, then insurers also offer attractive rebates on your premium.

Quick Claim Settlement

Householders insurance policy claims are usually promptly settled, allowing families to start the reconstruction process quickly and helping them to reduce stress and move back to their normal lives.

Benefits of Home Insurance

Fire and Allied Perils Covered

  • House insurance policy covers damage to the home and its contents against all the 12 perils specified under standard fire insurance policy including fire, lightning, explosion, aircraft damage, and impact damage.
  • Damage to the property due to earthquake, flood and other natural disasters are covered by the policy.
  • The policy also offers protection to the contents of your home against loss due to theft and burglary

Liability Protection

  • Homeowner insurance offers protection against legal liability arising from personal injuries to the guests or third party which they might have incurred while residing in the insured house.
  • This policy also covers third party property damage which may occur due to an incident in an insured house.
  • All the legal fees and settlement costs arising from this legal liability will be reimbursed by the policy.

Additional Benefits

  • House insurance comes with lots of additional coverages like costs of the key and lock replacement, loss of rent, loss of cash, compound wall damage and coverage for short-circuiting.
  • The policy will also cover the temporary resettlement costs by paying for the transport and packing costs.
  • Loss or damage to the rare works of art and paintings stored or lying in a damaged house will also be indemnified by the policy.

Frequently Asked Questions

Home insurance policy offers coverage to home contents like furniture, precious valuables like jewellery, expensive belongings, furnishing items, electronic devices like refrigerator, television and washing machine and portable items like laptops.
Yes, you can insure the house if it is let out for rent for residential purpose. Also, you should make sure that you are not renting it for commercial purposes like shops or resident cum offices. Also property under construction and kutcha construction will not be eligible for the personal property insurance policy.
Householder insurance is designed to cover the damage to the house. Hence this policy will help you in reconstructing the damaged part of the home and replacing your belonging. But before reconstruction, debris of the damaged part of the house has to be removed. This process is called debris removal. Certain insurance companies do pay for removal of debris up to the specified limit.
There are certain exclusions which are not covered under the policy. This includes loss or damage due to war, invasion, nuclear contamination and pollution. Cost of land, loss or damage due to wear and tear, gradual deterioration or slowly developing flaws and consequential loss are not covered. The policy will also not pay if the claim results from willful misconduct or negligence.


What is Property Insurance?

Property insurance is insurance that protects the physical goods and the equipment of the business or home against any loss from theft, fire, and any other perils. It can be an all-risk coverage policy that gives protection against all the risks, or it can be named-risk coverage policy that gives protection against...
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What is the average clause in fire insurance?

A fire insurance policy has an average clause mentioned in it which takes care of the cases of the under-insurance. In the fire insurance policy, if the assets are insured for less than their full value, the insured is required to bear a proportion of the loss according to the average clause mentioned in the policy document...
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What are the different types of House Insurance for home owners?

House Insurance Policies can be of two types:
  • i. Building Policy
  • ii. Package Policy

  • Building PolicyAs is evident by the name, a Building Policy covers the structure of the building. The policy will cover the damage caused to the structure only. This type of cover is useful for the homeowners or building owners... Read More

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