Reliance Bharat Griha Raksha Policy

Reliance Bharat Griha Raksha Policy is a property insurance policy that protects your house and its contents from several unforeseen risks. The policy gives ten-year coverage to the house's structure, including additional structures like compound walls, water tanks, garages, etc.

Reliance Bharat Griha Raksha Policy

4.7 (99 reviews)
Get insurance for Home loan or Personal security in just 5 minutes.


Reliance Bharat Griha Raksha Policy

4.7 (99 reviews)
Get insurance for Home loan or Personal security in just 5 minutes.
What’s covered?
Violent disturbance
Fire
Natural disasters
Policybazaar advantages
365 days support system
Easy claim process
Instant online policy issuance

**All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*The premium of ₹ 18/month is for a pucca building with sum insured of ₹ 5 lakh at selected locations, for property age less than 40 years and policy term of 1 year. Additional premium is payable for the optional covers including contents opted.

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cover starting just @ ₹18/month*

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**All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*The premium of ₹18/month is for a pucca building with sum insured of ₹ 5 lakh at selected locations, for property age less than 40 years and policy term of 1 year. Additional premium is payable for the optional covers including contents opted.

Reliance Bharat Griha Raksha Policy

Reliance Bharat Griha Raksha Policy is a property insurance policy that protects your house and its contents from several unforeseen risks. The policy gives ten-year coverage to the house's structure, including additional structures like compound walls, water tanks, garages, etc.

Reliance Bharat Griha Raksha Policy – Key Benefits

Categories Key Benefits
Policy Tenure 1-10 years
Buildings Covered All the residential properties
Key Specifications* No deductibles are applicable except in case of a terrorism clause.
Auto-increment in SI annually by 10% for home building cover without paying an additional premium.
Coverage* Automatic coverage for general contents up to 20% of building SI subject to a maximum of ₹ 10 lakhs.
Coverage for additional structures.

*Disclaimer:The above table is indicative. Refer to the policy wordings for detailed key specifications and coverage of the Reliance Bharat Griha Raksha Policy.

Inclusions of Reliance Bharat Griha Raksha Policy

Reliance Bharat Griha Raksha policy protects your house and its contents against losses from a series of risks. To guide you in this, here is a list of inclusions of the Reliance Bharat Griha Raksha policy-

  • Loss or damage due to fire, explosion/implosion, and lightning
  • Loss or damage due to unusual activities, such as riots, strikes, and malicious damage
  • Loss or damage due to earthquake
  • Loss or damage due to subsidence, including landslide & rockslide
  • Loss or damage due to other nature's fury, such as storms, cyclones, typhoons, tempests, hurricanes, tornados, tsunamis, floods, and inundations
  • Loss or damage occurred due to leakage while installing an automatic sprinkler
  • Any damage due to acts of terrorism (as per the terrorism clause)
  • Loss or damage due to bursting or overflowing of water tanks, pipes, and apparatus
  • Loss due to bush fire.
  • Architect, surveyor, or consulting engineers fees, up to 5% of the claim amount
  • Cost/expenses of removing debris from the insured home, up to 2% of the claim amount
  • Loss of rent/rent for alternative accommodation coverage (provided up to the sum insured opted and numbers of the months of coverage chosen).

*Disclaimer:The above inclusions are for illustration purposes only. Kindly refer to the policy wordings to understand the exact coverage and their benefits.

Exclusions of Reliance Bharat Griha Raksha Policy

The Reliance Bharat Griha Raksha policy does not entertain the following conditions-

  • Willful or intentional activity causing loss or damage to the insured property or its content
  • Loss/damage to any electronic appliance by over-running, over-loading, short-circuiting, etc.
  • Loss/damage due to war or war-like operations, such as civil war, mutiny, civil commotion, rebellion, revolution, etc.
  • Loss/damage due to any nuclear/radioactive contamination
  • Loss of earnings, consequential loss, or loss by delay
  • Loss/damage due to pollution or contamination
  • Costs of preparing claims.

*Disclaimer:The above exclusions are for illustration purposes only. Kindly refer to the policy wording to understand the exact exclusion.

Add-ons of Reliance Bharat Griha Raksha Policy

If you need extensive protection, the Reliance Bharat Griha Raksha policy offers some add-ons that you can pick as per your choice-

  • Cover Valuable Contents such as jewellery, antiques, artwork, etc., at your home on an agreed value basis.
  • Personal Accident (Death) Cover for yourself and your spouse for ₹ 5 lakhs each.

Things to Keep in Mind about Reliance Bharat Griha Raksha Policy

  • Cover your home building for up to 10 years with your contents and additional structures like compound walls, garages, water tanks and other utilities.
  • Automatic cover for general home contents up to 20% of building sum insured subject to a maximum of ₹ 10 lakhs.
  • Auto-increase in sum insured annually by 10% for home building cover without additional premium.
  • No deductible is applicable under the policy except in case of terrorism claims.

Who can Buy Reliance Bharat Griha Raksha Policy?

All homeowners, tenants, and property owners residing in India can buy this cover for at least one year and up to 10 years.

How to Claim Reliance Bharat Griha Raksha Policy?

You can quickly raise claims under your Bharat Griha Raksha policy by Reliance General Insurance Company. Here is a step-by-step guide to raise a claim under your policy-

  • Step 1: Intimate the loss details by calling the insurance company and obtaining the claim number.
  • Step 2: Co-operate with the surveyor appointed for the survey.
  • Step 3: Fill up and submit the claim form and all required documents to the surveyor.
  • Step 4: Surveyor will design the assessment report and submit it to the insurance company.
  • Step 5: The insurer at RGI adjudicates the case as acceptable/not acceptable as per policy terms & conditions or seeks additional details.
  • Step 6: If a claim is not acceptable, share an email or communication with reason with the insurance company. However, if the claim is acceptable, payment is made through NEFT to the policyholder.

FAQs about Reliance Bharat Griha Raksha Policy

Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
Average Rating
(Based on 99 Reviews)
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Reviews & Ratings

4.7 / 5 (Based on 99 Reviews)
(Showing Newest 10 reviews)
Surendra
Delhi, February 05, 2025
Good Price
I had purchased Bajaj Allianz home insurance, and when there was damage to home equipment due to an electric spark, these damages were covered by the insurance. Got insurance at a good price.
Naresh
Muzaffarnagar, February 02, 2025
Best Deal
I never thought home insurance could be affordable. With Policybazaar, I could compare multiple insurance plans on a single platform. I am glad I got the best insurance plan at a very good deal.
Nalin
Begusarai, January 30, 2025
Easy Renewal
I renewed my home insurance through Policybazaar. Initially, I was unsatisfied with my previous insurer, but my experience with Policybazaar has been good. Very satisfied with their services.
Abhimanyu
Gridi, January 29, 2025
Good Experience
PolicyBazaar has made comparing policies easy, and its agent explained the features clearly. Really happy with my experience of getting a home insurance policy.
Prateek
Patna, January 27, 2025
Expenses Covered
With HDFC ERGO home insurance, I could cover my expenses when our building caught fire. Luckily, no one was hurt.
Dhruv
Jamshedpu, January 24, 2025
Easy Process
Thank you, Policybazaar, for helping me to get the claim approved for my home insurance. Your process was very easy.
Vihan
Etawa, January 21, 2025
Big Help
I had purchased a new flat by taking a home loan. However, after paying the second EMI, there were some issues with the water pipeline, and it burst. The house's walls were damaged, and home insurance through Policybazaar helped me get a claim for my loss.
Ishaan
Lucknow, January 20, 2025
Stress-free process
Exploring different home insurance options felt overwhelming, but PolicyBazaar simplified everything. Their platform helped me compare plans quickly. The team answered all my queries, making the process stress-free.
Kshitiz
Lucknow, January 18, 2025
Easy Process
Thank you, Policybazaar, for helping me to get the claim approved for my home insurance. Your process was very easy.
Rahul
Patna, January 17, 2025
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  • Disclaimers+

    #Savings of 28% are based on the comparison between the highest and lowest premiums for a pucca building with sum insured of >₹ 1 crore at Delhi, for property age less than 5 years and policy term of 11 years.

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