HDFC ERGO Bharat Griha Raksha Policy
Your home is more than just a building. It is where your family feels safe, where memories are made, and where you keep your valuable belongings. But unexpected events like fire, floods, storms, earthquakes, or theft can lead to serious financial loss. The HDFC ERGO Bharat Griha Raksha Policy helps protect your home and its contents from these risks by offering comprehensive financial coverage. This policy provides reliable support for homeowners, tenants, and landlords, so you can recover from damage without facing the full financial burden alone. With broad coverage, affordable premiums, and easy claim assistance, the policy helps keep your home financially secure.
Key Highlights of the Plan
- Coverage for home building and household contents
- Protection against fire, floods, earthquakes, storms, and lightning
- Automatic in-built contents cover available
- Optional cover for jewellery and valuable items
- Personal accident cover option available
- Protection against terrorism-related incidents
- Loss of rent and alternate accommodation support available
- Long-term policy tenure available up to 10 years
- No underinsurance benefit available
- Suitable for homeowners and tenants both
Quick Overview of the HDFC ERGO Bharat Griha Raksha Policy
Features and details of the policy:
| Features |
Details |
| Policy Type |
Bharat Griha Raksha Home Insurance |
| Suitable For |
Homeowners and tenants |
| Covers |
Home building and contents |
| Natural Disaster Cover |
Yes |
| Valuable Contents Cover |
Optional |
| Personal Accident Cover |
Available |
| Alternative Accommodation Cover |
Available |
| Terrorism Cover |
Included as per policy terms |
| Long-Term Policy |
Available |
| No Underinsurance Benefit |
Yes |
What Does HDFC ERGO Bharat Griha Raksha Policy Cover?
This home insurance policy gives you financial protection for your house, household items, and selected valuables against different covered events during the policy period.
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Home Building Cover
The home building cover protects the structure of your house against covered risks.
What is Covered?
The BGR policy covers loss or damage caused by events such as:
- Fire
- Explosion or implosion
- Lightning
- Earthquake and volcanic eruption
- Flood and inundation
- Cyclone, storm, hurricane, tornado, and typhoon
- Tsunami
- Landslide and rockslide
- Bush and forest fire
- Riot, strike, and malicious damage
- Missile testing operations
- Impact damage
- Bursting or overflowing water tanks and pipes
- Leakage from sprinkler installations
- Theft within 7 days after an insured event
- Terrorism-related incidents
What Parts of the Building are Covered?
The BGR policy usually covers these parts of your building:
- Residential structure
- Flats and apartments
- Roof and walls
- Flooring
- Internal fittings and fixtures
- Electrical wiring
- Fixed sanitary fittings
- Garages and outhouses
- Compound walls and fences
- Gates and retaining walls
- Internal roads and parking areas
- Water storage tanks
Additional Benefits Under Building Cover
The BGR policy can also reimburse these expenses under the building cover:
- Architect fees
- Consulting engineer fees
- Surveyor expenses
- Debris removal costs
- Repair and reconstruction expenses
- Loss of rent
- Rent for alternate accommodation
Fees for architects, surveyors, and consulting engineers are usually covered up to 5% of the claim amount. Debris removal costs are covered up to 2% of the claim amount.
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Home Contents Cover
The home contents cover protects your household belongings kept inside the insured home.
What is Covered Under Home Contents Insurance?
The BGR policy covers various household items such as:
- Furniture and fittings
- Beds and sofas
- Dining tables
- Television sets
- Refrigerators
- Air conditioners
- Kitchen appliances
- Electronic devices
- Telephones
- Water storage equipment
- Furnishings and décor items
- General household articles
In-Built Contents Protection
If you choose both Home Building Cover and Home Contents Cover, the policy automatically gives contents cover equal to 20% of the Home Building Sum Insured, up to a maximum of ₹10 lakh. You can increase this amount by paying an extra premium.
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Valuable Contents Cover
The policy also lets you add optional protection for valuable belongings at an agreed value.
Valuable Items That May Be Covered
- Jewellery
- Silverware
- Paintings
- Works of art
- Valuable carpets
- Antiques
- Curios and collectables
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Personal Accident Cover
The policy includes an optional Personal Accident Cover for you and your spouse. If a covered event damages your home and also causes accidental death, compensation of up to ₹5 lakh per person may be paid as per policy terms.
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Loss of Rent & Alternative Accommodation Cover
If your insured home becomes temporarily unfit to live in due to a covered event, the policy can help cover your accommodation expenses. Coverage is provided as per policy terms and limits.
Expenses That May Be Covered
- Rent for alternative accommodation
- Additional rent costs
- Loss of rent (where applicable)
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No Underinsurance Benefit
A key feature of this policy is that underinsurance does not apply if the sum insured is based on information you provide and the insurer accepts. This means your claim settlement will not be reduced due to underinsurance in eligible cases.
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Long-Term Policy Benefit
You can buy the policy for one year or for several years, up to a maximum of 10 years. For long-term policies, the home building Sum Insured increases by 10% each year at no extra cost, subject to certain conditions and limits.
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Fire-Fighting & Debris Removal Expenses
The policy can reimburse reasonable expenses you spend to reduce or control insured losses. Coverage depends on policy conditions and limits.
Examples Include
- Fire-fighting expenses
- Debris removal costs
- Emergency protective measures
- Temporary property protection expenses
What is Covered vs What is Not Covered?
Here is a detailed comparison of what the policy covers and what it does not cover:
- Covered: Fire damage, Flood and inundation, Earthquake and tsunami, Storm and cyclone damage, Riot and malicious damage, Water tank and pipe overflow, Theft after insured peril, Terrorism-related incidents
- Not Covered: Wear and tear, Intentional damage, War and nuclear risks, Pollution-related losses, Consequential losses, Existing structural defects, Unexplained disappearance, Market value reduction after repair
*Disclaimer: Policy terms, conditions, exclusions, and limits may apply.
How to Buy HDFC ERGO Bharat Griha Raksha Policy Online?
You can buy the HDFC ERGO Bharat Griha Raksha Policy online through Policybazaar. Compare plans, pick your coverage, and get your policy document in just a few minutes.
- Step 1: Enter Basic Details: Fill in details such as:
Full Name, Mobile Number. Then click on 'View Prices' to continue.
- Step 2: Share Property Information: Provide information related to your property, such as:
Property type, Construction details, Current construction value, Value of household contents, Property location. Then, proceed to view available plans.
- Step 3: Select Coverage Options: Choose your policy tenure and required covers, including optional benefits such as: Valuable Contents Cover, Personal Accident Cover, Alternative Accommodation Cover, Loss of Rent Cover
- Step 4: Review Plan Details: Check the premium amount, selected benefits, policy inclusions, and coverage limits before proceeding.
- Step 5: Make Online Payment: Pay the premium securely using your preferred payment method.
- Step 6: Receive Policy Digitally: Once the payment is completed successfully, the policy document will be shared digitally.
How to File an HDFC ERGO Bharat Griha Raksha Claim Online?
If your insured property is damaged or lost, you can start a claim online by following these steps.
- Step 1: Inform the Insurance Company: Notify the insurer immediately upon the occurrence of the insured event.
- Step 2: Submit Required Documents: Provide supporting documents such as:
Claim form, Photographs/videos of damage, Repair estimates, Purchase invoices, FIR copy (if applicable)
- Step 3: Surveyor Inspection: The insurer might send a surveyor to check the damage and assess the loss.
- Step 4: Claim Assessment: The insurer reviews your documents, the surveyor's findings, and your policy coverage.
- Step 5: Claim Settlement: Once approved, the claim amount is settled in accordance with policy terms and applicable limits.
Documents Required for Home Insurance Claims
The following documents may be required during claim settlement:
- Identity proof
- Address proof
- Property ownership proof
- Claim form
- Repair estimates
- Purchase invoices
- Photographs/videos of damage
- FIR for theft-related claims
- Supporting authority reports
Additional documents may be requested depending on the nature of the claim.
Why Choose HDFC ERGO Bharat Griha Raksha Policy?
- Protection for Home & Contents: The policy helps protect both your residential structure and household belongings against multiple insured risks.
- Coverage Against Natural Calamities: It gives you financial protection against events like floods, earthquakes, storms, cyclones, and fire.
- Automatic Contents Cover: The policy includes built-in contents cover if you select both building and contents coverage.
- No Underinsurance Benefit: Eligible claims are not reduced because of underinsurance, as long as policy terms are met.
- Long-Term Coverage Option: The policy lets you choose flexible durations, including long-term coverage for up to 10 years.
- Suitable for Different Residential Properties: The policy is suitable for flats, apartments, villas, independent homes, and rented properties.
Conclusion
Events like fires, floods, storms, earthquakes, or theft can cause serious financial losses for homeowners and tenants. The HDFC ERGO Bharat Griha Raksha Policy helps you repair, rebuild, or replace your property and belongings after covered events. By choosing the right building, contents, and optional covers, you can be better prepared and protect your home more effectively.
Disclaimer: The information provided on this page is for general informational purposes only and is subject to change according to the insurer's policy terms, conditions, exclusions, underwriting guidelines, and IRDAI regulations. Coverage, benefits, optional covers, limits, and exclusions may vary depending on the selected plan and the policy schedule issued by HDFC ERGO General Insurance Company Limited. Some covers mentioned on this page may be available only on payment of an additional premium. Please refer to the official policy wording and policy documents for complete details before purchasing the policy. In the event of any discrepancy, the policy wording and the insurer's terms shall prevail. Read More
FAQs - HDFC ERGO Bharat Griha Raksha Policy
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Ans: HDFC ERGO Bharat Griha Raksha Policy is a standard home insurance policy that provides financial protection for home buildings and household contents against insured risks such as fire, floods, earthquakes, storms, and other covered events.
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Ans: Yes, the policy can provide coverage for both the home structure and household contents, depending on the selected coverage.
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Ans: Yes, the policy generally covers insured natural calamities such as floods, cyclones, storms, earthquakes, landslides, and tsunamis.
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Ans: The policy covers theft that occurs within 7 days of an insured event, subject to the policy terms and conditions.
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Ans: Yes, optional coverage is available for jewellery, silverware, paintings, works of art, antiques, and other valuables.
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Ans: The policy automatically provides contents cover equal to 20% of the Home Building Sum Insured, subject to a maximum of ₹10 lakh, when both building and contents covers are selected.
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Ans: Yes, an optional Personal Accident Cover is available for the insured person and spouse.
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Ans: The policy can be purchased for one year or longer durations up to 10 years.
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Ans: The premium depends on factors such as construction value, property type, location, selected covers, policy tenure, and sum insured.
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Ans: Commonly required documents include identity proof, claim form, repair estimates, invoices, photographs of damage, and FIR copies for theft-related claims.
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Ans: Some common exclusions under the policy may include: Deliberate or intentional damage, War, invasion, rebellion, and nuclear risks, Pollution or contamination-related losses (except where specifically covered), Consequential or indirect losses, Market value reduction after repair, Missing or unexplained losses, Loss of property removed from the insured home, Damage due to electrical or electronic breakdown, Loss of money, securities, manuscripts, vehicles, and explosive substances unless specifically covered, Costs incurred for preparing claims. Coverage, exclusions, conditions, and limits may vary according to the selected cover and policy terms.
