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

4.4 (120 reviews)
Get insurance for Home loan or Personal security in just 5 minutes.


Reliance Bharat Griha Raksha Policy

4.4 (120 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 ₹ 9/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.

Protect your house from calamities

cover starting just @ ₹9/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 ₹ 9/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: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 120 Reviews)
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Reviews & Ratings

4.4 / 5 (Based on 120 Reviews)
(Showing Newest 10 reviews)
Virendra
Bokaro, July 26, 2022
Coverage for natural calamity
I was looking for an insurance policy that provides me coverage for natural calamity. Since my house is located near a river and it floods my area in the rainy season. So i went on the Policybazaar website and particularly look for this coverage found the exact plan that provides this coverage.
Sunil
Bilaspur, July 26, 2022
Premium Calculation
I was looking for a home insurance policy online. I stumblled upon the Policybazaar website and it is one of the best online platforms to purchase home insurance policy. I learned about the insurance plan i wanted to purchase and after choosing the plan and add ons i could calculate the premium using their online premium calculator. Thanks Policybazaar.
Manish
Bikaner, July 26, 2022
Natural Calamity cover
I have recently purchased a flat and wanted to cover it with a home insurance policy. I was aware of the Policybazaar website so i thought i should give it a try. I went on their website and as i wanted to cover my flat with a natural calamity cover specifically i searched for it and without wasting a minute it showed me the natural calamity coverage.
Mohit
Amritsar, July 26, 2022
Enough coverage
I was looking for a home insurance plan online. I was fed up as i have to visit different websites to look for a single suitable insurance plan. However, i stumbbled upon Policybazaar website where i was able to find the right insurance plan that could provide me enough coverage.
Sahil
Bareilly, July 26, 2022
Nice customer service
I wanted to purchase a home insurance policy and a friend of mine suggested to purchase it from Policybazaar. I bought the policy and after that i had a confusion regarding exclusions so i called up Policybazaar customer care and they cleared out the confusion and i loved their customer service.
Jitendra
Ajmer, July 26, 2022
Qiuck claim
I purchased a home insurance policy recently. However, due to a natural calamity, my house was damaged as the pressure of the water because of flood broke the enterance door of my house. But the insurance plan that i bought got me covered and i as able to get the quickest claim possible.
Prashant
Delhi, July 26, 2022
Natural calamities covered
I bought a home insurance policy recently. As i live near a river and in the rainy season, my area gets flooded so in order to protect my house and its contents, i purchased the insurance to get coverage for such natual calamities and i am tension free now.
Sharad
Kolkata, July 26, 2022
Wide coverage
The home insurance plan that i purchased from policybazaar's website is a great plan that provides me coverage for not only the structure but also cover several expensive content of the home such as paintings, mobile phones, laptops, television, etc.
Ravi
Ahmedabad, July 26, 2022
Suitable insurance plan
I purchased the group health insurance policy from Policybazaar website. First of all, i did not have to wander much online while lookig for a home insurance plan that fits my requirement and i found the suitbale home insurance plan by comparing different plans on the website.
Yashashvi
Amritsar, June 09, 2022
Natural calamities covered
I bought a home insurance policy recently. As i live near a river and in the rainy season, my area gets flooded so in order to protect my house and its contents, i purchased the insurance to get coverage for such natual calamities and i am tension-free now.
  • 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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