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SBI General Bharat Griha Raksha

  • Home Structure Cover
  • Cover for Owners, Tenants, Landlords
  • Policy Tenure – 1 to 10 years
  • Cover for Loss of Rent

Secure Your Home
With Bharat Griha Rakhsa

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Home Structure Cover

Home Structure Cover

Covers physical loss or damage, or destruction of your home building because of any insured event listed in the policy wordings.
Home Contents Cover

Home Contents Cover

Covers the physical loss or damage, or destruction of the general contents of your home caused by an insured event listed in the policy wordings.
Long Policy Tenure

Long Policy Tenure

The tenure of this policy ranges from 1 year to 10 years. Individuals can opt for a policy tenure as per their preference.
Cover for Loss of Rent

Cover for Loss of Rent

This policy reimburses the amount of rent you lose or alternative rent you pay while your home building is not fit for living because of physical loss arising out of an insured event.
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Why Bharat Griha Rakhsha?

Secure Your Home Against Unforeseen Events.

Home is the place where one feels the most secured and happy. You want to protect your home from any kind of threat to safeguard your happiness. SBI General’s Bharat Griha Raksha Policy is a comprehensive offering that protects your home and its contents against unexpected and unfortunate events.

Who Can Buy This Policy?
You can purchase the home building cover if you own the building. You can also purchase home contents cover for the contents if you are a tenant or an owner.

What is Covered Under Bharat Griha Rakhsha Insurance Policy?

Take a look at the various features and benefits of the Bharat Griha Rakhsha Insurance Policy offered by SBI General Insurance

      • Policy available from 1 year to 10 years
      • Coverage for building (structure) and/or contents
      • Home contents are automatically covered at 20% of Sum Insured amount for the building (subject to maximum of Rs 10 lacs)
      • Flexible options for coverage of home contents
      • Optional covers available for valuable contents
      • Optional cover for personal accident of Rs 5 lakh each for self and spouse (arising out of fire and allied perils)
      • Inbuilt cover for fee payable to architect/surveyor/consulting engineer (5% of claim amount)
      • Inbuilt cover for removal of debris (2% of claim amount)
      • Inbuilt cover for loss of rent/ rent for alternative accommodation
      • Auto-escalation of sum insured by 10% for annual policies and for long term policies
      • Building (structure) and contents insured on reinstatement/ replacement value basis
      • Valuable contents insured on agreed value basis
      • Underinsurance is not applicable
      • No deductible applicable
    • Bharat Griha Raksha covers you for the following:
      • Fire
      • Explosion or Implosion
      • Lightning
      • Earthquake
      • Storm, cyclone, typhoon, tempest, hurricane, tornado, tsunami, flood and inundation
      • Subsidence of the land on which your home building stands, landslide, rockslide
      • Forest fire, bush fire, jungle fire
      • Impact damage of any kind, i.e. damage caused by impact of, or collision caused by, any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.)
      • Missile testing operations
      • Riot, strike, malicious damages
      • Acts of terrorism
      • Bursting or overflowing of water tanks, apparatus and pipes
      • Leakage from automatic sprinkler installations
      • Theft within 7 days from the occurrence of and proximately caused by any of the above insured events
      • Wilful or intentional act or omission
      • War, invasion, act of foreign enemy
      • Ionising radiation or contamination by radioactivity
      • Pollution or contamination
      • Short circuiting, arcing, self- heating or leakage of electricity from whatever cause (lightning included)
      • Loss of earning, loss by delay, consequential loss
      • Reduction in market value
      • Costs, fees, expenses for preparing any claim

       

       

       

       

Key Feature
    • Policy available from 1 year to 10 years
    • Coverage for building (structure) and/or contents
    • Home contents are automatically covered at 20% of Sum Insured amount for the building (subject to maximum of Rs 10 lacs)
    • Flexible options for coverage of home contents
    • Optional covers available for valuable contents
    • Optional cover for personal accident of Rs 5 lakh each for self and spouse (arising out of fire and allied perils)
    • Inbuilt cover for fee payable to architect/surveyor/consulting engineer (5% of claim amount)
    • Inbuilt cover for removal of debris (2% of claim amount)
    • Inbuilt cover for loss of rent/ rent for alternative accommodation
    • Auto-escalation of sum insured by 10% for annual policies and for long term policies
    • Building (structure) and contents insured on reinstatement/ replacement value basis
    • Valuable contents insured on agreed value basis
    • Underinsurance is not applicable
    • No deductible applicable
Coverage
    Bharat Griha Raksha covers you for the following:
    • Fire
    • Explosion or Implosion
    • Lightning
    • Earthquake
    • Storm, cyclone, typhoon, tempest, hurricane, tornado, tsunami, flood and inundation
    • Subsidence of the land on which your home building stands, landslide, rockslide
    • Forest fire, bush fire, jungle fire
    • Impact damage of any kind, i.e. damage caused by impact of, or collision caused by, any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.)
    • Missile testing operations
    • Riot, strike, malicious damages
    • Acts of terrorism
    • Bursting or overflowing of water tanks, apparatus and pipes
    • Leakage from automatic sprinkler installations
    • Theft within 7 days from the occurrence of and proximately caused by any of the above insured events
Major Exclusion
    • Wilful or intentional act or omission
    • War, invasion, act of foreign enemy
    • Ionising radiation or contamination by radioactivity
    • Pollution or contamination
    • Short circuiting, arcing, self- heating or leakage of electricity from whatever cause (lightning included)
    • Loss of earning, loss by delay, consequential loss
    • Reduction in market value
    • Costs, fees, expenses for preparing any claim

     

     

     

     

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FAQs about Bharat Griha Rakhsha Insurance Policy

Here are the commonly asked questions about Bharat Griha Rakhsha Insurance Policy

A) Home Building Cover, that covers any loss, damage, or destruction of Home Building,
B) Home Contents Cover, that covers articles or things in home.

The policy should be for minimum 1 year and maximum 10 years.

No, they cannot be covered as Home Building.

Yes, it can be covered under Home Content.

Product UIN

IRDAN144RP0032V01202021

DISCLAIMER:

The above information is indicative in nature, for more details on complete coverage and terms and conditions, please contact our nearest office and also read the sales brochure carefully before concluding a sale.
Tax Benefits are subject to change in Tax Laws
*T&C Apply

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