What is the maximum period of Bharat Griha Raksha policy?

The Bharat Griha Raksha policy can be taken for a minimum of 1 year and a maximum period of 10 years, as prescribed by IRDAI.

What is the Bharat Griha Raksha Policy?

A home insurance policy in India by IRDA for protecting houses from damage.

What does the policy cover?

Damage from fire, natural disasters, and external impacts.

What is HDFC ERGO Bharat Griha Raksha Plus long-term policy?

It is an extended version of the standard Bharat Griha Raksha policy that allows long-term coverage with optional add-ons like loss of rent, enhanced contents cover, and discounts for multi-year policies.

What isn’t covered under the policy?

Electronic machines, internal equipment, and machinery issues.

How to claim this insurance?

Report the incident, provide details, submit evidence, and fill out the claim form.

How is the premium calculated?

Insurance premium is calculated based on factors such as sum insured, age, location, construction type (for home insurance), policy tenure, risk exposure, and selected add-ons.

What is the premium of SBI Griha Raksha policy?

The premium depends on factors such as sum insured, location of the house, construction type, and policy tenure. There is no fixed premium, and it varies from case to case.

Does the Bharat Griha Raksha policy provide a waiver of underinsurance?

Yes, the policy provides a waiver of underinsurance if the sum insured is based on the reinstatement value declared correctly at the time of policy purchase.

Who is eligible to apply for the Bharat Griha Raksha policy?

Any individual who owns a residential building or is a tenant with insurable interest in the contents of the house is eligible to apply for this policy.

What happens if a claim is taking too long?

If claim settlement is delayed, the policyholder can approach the insurer’s grievance cell. If unresolved, the complaint can be escalated to IRDAI’s IGMS or the Insurance Ombudsman.

How much premium for 20 lakh health insurance?

The premium for a ₹20 lakh health insurance policy generally ranges between ₹8,000 to ₹25,000 per year, depending on age, health condition, insurer, and coverage features.

What is the 3-year rule in insurance?

The 3-year rule means that after three continuous years, insurers cannot deny claims on grounds of non-disclosure or misstatement, except in cases of fraud.

Who is eligible to apply for the Bharat Griha Raksha policy?

Any individual who owns a residential building or is a tenant with insurable interest in the contents of the house is eligible to apply for this policy.

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Protect Your House With Bharat Griha Raksha Policy!

Q: How to apply for Bharat Griha Raksha Policy?

Visit the National Insurance office, fill out a form, and submit it.

Pragya Pathak

Author

Updated: 18-12-2025 at 3:30 PM

In India, a house is a lifetime investment. However, according to a survey conducted by IRDA in 2017, only 36.6 per cent of the urban Indian population and 29.7 per cent of the rural population were aware of home insurance, and barely 3% of the houses in India have insurance. This is primarily because of a lack of awareness and the unaffordability of a home insurance policy.

To change this existing landscape, the Indian Regulatory and Development Authority of India (IRDAI) launched a home insurance policy called the Bharat Griha Raksha Policy. The main aim of this insurance policy is to help people protect their residential properties from any kind of damage.

Read the article to learn more about the home insurance policy, ranging from its meaning and benefits to eligibility criteria and the processes of application, Bharat Griha Raksha Policy renewal, and Bharat Griha Raksha Policy download.

Overview

The table below summarises some key details about the insurance policy that one should know before opting for it.

Name of the insurance policy	Bharat Griha Raksha Policy
Introduced by	Indian Regulatory and Development Authority of India (IRDAI)
Objective	To help individuals protect their safe places from getting damaged.
Mode of application	Offline

What Is Bharat Griha Raksha Policy?

The Bharat Griha Raksha Policy is one of the best home insurance policies in India. The IRDAI (Indian Regulatory and Development Authority of India) introduced this home insurance policy to help individuals protect their safe places from damage.

Bharat Griha Raksha Policy is a standard insurance policy made available at an affordable premium. This insurance covers various types of residential properties in India. IRDA made it compulsory for all general insurance companies to offer this home insurance policy from 1 April 2021. The policy is offered by various renowned companies, such as Bharat Griha Raksha Policy Tata AIG, Bharat Griha Raksha Policy Bajaj Allianz, and banking institutions, like Bharat Griha Raksha Policy HDFC ERGO.

What Does Bharat Griha Raksha Policy Cover?

Let’s take a look at what this insurance covers and does not cover, as laid down in the Bharat Griha Raksha Policy PDF.

Bharat Griha Raksha Policy Covers

Loss or damage caused by fire, explosions, or implosions.
Damage or loss caused to the property due to natural calamities like earthquakes, storms, landslides, tsunamis, etc.
Loss caused by a forest fire or bushfire.
Loss caused by external impact.

Bharat Griha Raksha Does Not Cover

Loss or damage to the electronic machines.
Loss or damage caused to any equipment inside the home structure.
Loss or damage caused by overrunning or self-heating of machinery.
Loss or damage caused by one particular machine.

Also Read: Cyber Insurance: The Shield Against Cyber Scams & Threats In India

Understanding Bharat Griha Raksha Policy Better

If a person’s insurance amount is maximum at Rs. 10 lakhs, then 20% of the interest is provided for the general contents that were inside the house. Exact and accurate calculations can be made through the Bharat Griha Raksha Policy premium calculator. Any physical loss or damage caused to the property will be covered if it is reported within 7 days. For any severe damage, the cost will be covered for that as well.

Objectives Of The Bharat Griha Raksha Policy

The home insurance policy comprises several objectives, some of which are written below in brief points:

The main objective of the home insurance policy is to provide people with the option to opt for a protective shield for their respective residential properties against unforeseen damages from various man-made or natural events.
IRDAI also aims to provide uniform home insurance options to the people of India, so that all the citizens of India can apply for a single trustworthy insurance policy.
Through the insurance policy for homes, IRDAI also aims to encourage people to invest in home insurance policies and take a proactive approach before anything happens. After all, prevention is better than cure, isn’t it?

Benefits Of The Bharat Griha Raksha Policy

The home insurance policy comes along with a range of benefits for its policyholders. Some of the key benefits are mentioned below for one’s better understanding of the scheme:

The major benefit of a home insurance policy is that it safeguards people’s residential properties from a range of man-made and natural events, such as fire, earthquakes, and floods.
This insurance policy by IRDAI is extremely comprehensive, covering not only household items but also furniture, appliances, and personal belongings. So, along with one’s house, their prized possessions are also protected through this insurance policy.
Individuals who invest in this home insurance policy are reimbursed up to the sum insured when damages occur, which includes the repair charges.

Types Of Coverage Offered Under Bharat Griha Raksha Policy

The different home insurance policy types under the Bharat Griha Raksha Policy are.

One Building Structure Cover

The insurance holder will get complete coverage for the damages caused to the building structure.

Only Home Content Cover

This insurance covers all the contents inside the house regardless of the total cost. The main content covered is furniture, electrical appliances, etc.

Building Structure And Content Of Home Cover

The policyholder will get coverage against several risks, such as the building structure and contents.

What Are The Types Of Buildings Covered Under This Home Insurance Policy?

The types of buildings that can get protection under the Bharat Griha Raksha Policy are listed below:

Independent buildings
Villas
Flats
Housing society

How To Apply For Bharat Griha Raksha Policy?

The application process for this insurance policy is completely offline, and therefore, one needs to physically visit the concerned offices to apply for the insurance policy. The application process for Bharat Griha Raksha Policy is laid down below in a stepwise manner for one’s better understanding:

Step 1: Contact the nearest National Insurance Company Office.

Step 2: Request the printed proposal form for a home insurance policy.

Step 3: Fill out the form with all your personal details carefully and accurately.

Step 4: Attach the scanned copies of all the required documents to the application form.

Step 5: Recheck the details filled in the form and then submit the form to the authorities.

What Are The Documents Required For The Bharat Griha Raksha Policy?

There are some documents that the applicants are required to attach while applying for the home insurance policy. The list of those documents is:

Aadhaar card
Domicile certificate
PAN card
Proof of ownership of the property
Property inspection certificate

Steps To Claim The Insurance

If you would like to claim insurance after an incident, please follow the steps described below in a stepwise manner for your clarity:

Step 1: Please begin by informing the National Insurance Company immediately after the incident takes place.

Step 2: Provide them with all the necessary details.

Step 4: Attach and submit any evidence of the loss or damage to the property to support your claims.

Step 5: Submit the claim form to the authorities along with the proof of the incident and the extent of the damage.

Conclusion

With the increase in prices of all home insurance policies, the Bharat Griha Raksha Policy is the easiest and most affordable way to protect the house and all the valuables inside the house. It is an excellent safeguarding measure that helps people save their residential properties from unforeseen damage by man-made or natural events.

This is not simply an insurance policy for houses but a safety umbrella for people’s homes, which they construct with love and care for their loved ones and themselves.

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