About United India Griha Suraksha Policy
A home is one of the most valuable assets a person owns, and protecting it against unexpected risks is essential. From natural disasters and accidental fires to burglary and structural damage, unforeseen incidents can lead to significant financial losses. The Griha Suraksha Policy by United India Insurance Company Limited is designed to offer financial protection for your home building, household contents, and selected valuables against a wide range of insured risks. This home insurance policy helps you stay financially prepared during emergencies by covering repair, replacement, and restoration-related expenses arising from covered events.
Key Highlights of the Plan
- Coverage for home building and household contents
- Financial protection against fire, floods, earthquakes, storms, and lightning
- Optional burglary and valuable contents cover
- Built-in contents insurance benefit available
- Personal accident cover option available
- Additional rent and alternate accommodation support
- Coverage for fire-fighting and loss minimisation expenses
- Restoration of the sum insured benefit
- Suitable for homeowners and tenants
Quick Overview of the UIC Griha Suraksha Policy
Features and details of the policy:
| Features |
Details |
| Policy Type |
Comprehensive Home Insurance |
| Suitable For |
Homeowners and tenants |
| Covers |
Home building, contents, valuables |
| Natural Disaster Cover |
Yes |
| Burglary Cover |
Optional |
| Personal Accident Cover |
Available |
| Alternative Accommodation Cover |
Available |
| Valuable Contents Cover |
Optional |
| Long-Term Policy |
Available |
| Bharat Griha Raksha Based |
Yes |
What Does United India Griha Suraksha Policy Cover?
This home insurance policy offers financial protection for your residential structure, household belongings, and optional valuable contents against insured events and accidental losses.
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Home Building Cover
The home building cover protects the physical structure of your home against various insured risks.
What is Covered?
The policy covers damage caused by:
- Fire
- Explosion or implosion
- Lightning
- Earthquake
- Flood and inundation
- Cyclone, storm, hurricane, and typhoon
- Landslide and rockslide
- Bush fire
- Riot and strike damage
- Impact damage
- Water leakage from tanks and pipes
- Terrorism cover (if opted)
What Parts of the Building are Covered?
The cover generally includes:
- Residential structure
- Walls and roof
- Flooring
- Permanent fixtures
- Electrical wiring
- Sanitary fittings
- Garages
- Compound walls
- Gates and fences
- Water tanks
- Additional structures within the premises
Additional Benefits Under Building Cover
The policy may also cover:
- Architect fees
- Consulting engineer fees
- Surveyor expenses
- Debris removal costs
- Fire-fighting expenses
- Loss minimisation expenses
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Home Contents Cover
The home contents cover helps protect household belongings kept inside the insured home.
What is Covered Under Home Contents Insurance?
The policy may cover household items, such as:
- Furniture
- Beds and sofas
- Dining tables
- Refrigerators
- Washing machines
- Microwave ovens
- Televisions
- Kitchen appliances
- Clothing and garments
- Furnishings
- Decorative items
- Household articles
Built-In Contents Protection
The policy includes an automatic content cover equal to 20% of the Home Building Sum Insured, subject to a maximum limit of ₹10 lakh, provided both building and contents covers are selected. Moreover, you can enhance the contents sum insured by paying an additional premium.
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Valuable Contents Cover
The policy offers optional coverage for valuable belongings such as jewellery under an agreed-value basis. Under this, claims for valuable contents are generally settled based on the value agreed between the insurer and policyholder.
Valuable Items That May Be Covered
- Jewellery
- Gold and silver articles
- Paintings
- Antiques
- Fine art
- Collectibles
- Curios
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Burglary & Housebreaking Cover
Optional burglary and housebreaking coverage may provide financial protection against specified theft-related losses and damages, subject to policy terms. The policy may also cover theft that occurs within 7 days of an insured event, subject to the policy terms.
Burglary Cover May Include
- Theft of household contents
- Housebreaking losses
- Damage to premises during burglary attempts
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Personal Accident Cover
The policy provides an optional Personal Accident Cover for the insured person and spouse. If an insured event causes accidental death or permanent total disablement along with damage to the home or contents, compensation may be payable as per policy conditions.
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Loss of Rent & Alternative Accommodation Cover
If the insured home becomes temporarily unfit for living due to an insured event, the policy may help cover additional living-related expenses. The coverage is available subject to policy limits and conditions.
Expenses That May Be Covered
- Alternative accommodation expenses
- Additional rent costs
- Loss of rental income
- Temporary stay expenses
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Electrical Damage Cover
The policy includes coverage for certain electrical damage-related incidents. However, standalone electrical or mechanical breakdowns may not be covered unless specifically insured.
Electrical Damage May Include
Damage caused by insured fire-related incidents arising from electrical causes, such as short circuits, arcing, or lightning, may be covered under the policy, subject to terms and conditions.
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Loss Minimisation & Fire-Fighting Expenses
The policy may reimburse reasonable expenses incurred to minimise or control insured losses. The coverage is subject to policy terms and specified limits.
Examples Include
- Fire-fighting expenses
- Emergency property shifting
- Preventive protective measures
- Refilling fire-fighting equipment
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 damage, Earthquake damage, Storm and cyclone damage, Burglary losses (if opted), Riot and strike damage, Lightning damage, Water leakage damage
- Not Covered: Wear and tear, Intentional damage, War and nuclear risks, Consequential losses, Existing damage, Missing property without identifiable event, Undisclosed illegal alterations, Market value depreciation
*Disclaimer: Policy terms, conditions, exclusions, and limits may apply.
How to Buy United India Griha Suraksha Policy Online?
It's easy and convenient to buy the United India Griha Suraksha Policy online through Policybazaar. Visit our official website, choose home insurance, and follow the step-by-step procedure:
- Step 1: Enter Your Details: Provide below details and click on 'View Prices'. Name, Mobile Number
- Step 2: Enter Property Details: Provide details such as: Current market value of the property, Value of household items, Property location (optional) and click on 'View Discounted Plans'
- Step 3: Choose Coverage: Select policy tenure and required add-ons, such as: Loss of Rent, Rent for Alternate Accommodation, Personal Accident, Jewellery & Valuables, Additional Structures
- Step 4: Review Premium: Check the premium amount and policy benefits of the United India Griha Suraksha Policy.
- Step 5: Make Payment: Complete payment online securely.
- Step 6: Receive Policy Instantly: You'll receive your policy document digitally.
How to File a United India Griha Suraksha Policy Online?
You can usually start a home insurance claim online by following the steps below:
- Step 1: Inform the Insurer: Report the incident immediately.
- Step 2: Submit Required Documents: Upload photographs, bills, invoices, and supporting documents.
- Step 3: Surveyor Assessment: The insurer might send a surveyor to check the damage.
- Step 4: Repair or Replacement Approval: Claim evaluation is completed.
- Step 5: Claim Settlement: Once your claim is approved, the amount will be paid in accordance with the policy terms.
Documents Required for the United India Griha Suraksha Policy Online
The following documents may be required to raise a claim under the United India Griha Suraksha policy:
- Identity proof
- Address proof
- Property ownership proof
- Claim form
- Repair estimates
- Purchase invoices
- Photographs/videos of damage
- FIR for burglary-related claims
- Supporting authority reports
Additional documents may be requested depending on the claim type.
Why Choose United India Griha Suraksha Policy Online?
- Protection Against Major Risks: Covers multiple insured events, including fire, floods, storms, and earthquakes.
- Financial Assistance During Emergencies: Helps reduce the financial burden of repair and restoration.
- Flexible Coverage Options: Allows policyholders to select suitable covers and optional benefits.
- Valuable Item Protection: Optional coverage available for jewellery and expensive belongings.
- Support During Temporary Relocation: Provides assistance if the insured home becomes uninhabitable.
- Suitable for Different Residential Properties: Useful for apartments, villas, independent houses, and rented homes.
Final Thoughts
Unexpected incidents such as fires, floods, burglaries, and natural disasters can result to significant financial losses for homeowners and tenants. A comprehensive home insurance policy, such as United India's Griha Suraksha Policy, helps cover repair, replacement, and restoration expenses arising from covered events. Choosing suitable building, contents, and optional covers can help improve your financial preparedness and better safeguard your home.
Disclaimer: The information provided on this page is for general informational purposes only and is subject to change as per the insurer’s policy terms, conditions, exclusions, underwriting guidelines, and IRDAI regulations. Coverage, benefits, optional covers, limits, and exclusions may vary depending on the plan selected and the policy schedule issued by United India Insurance Company Limited. Some covers mentioned on this page are 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 about Griha Suraksha Policy
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Ans: The Griha Suraksha Policy is a home insurance plan that provides financial protection for home buildings and household contents against insured risks such as fire, floods, storms, earthquakes, and burglary.
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Ans: Yes, the policy can provide coverage for both the home structure and household contents depending on the selected cover.
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Ans: Yes, burglary and housebreaking cover are available as optional covers.
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Ans: Yes, optional coverage is available for valuables such as jewellery, antiques, paintings, and collectables.
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Ans: Yes, an optional Personal Accident Cover is available for the insured person and spouse.
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Ans: Yes, the policy generally covers insured natural disasters such as floods, earthquakes, cyclones, storms, and landslides.
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Ans: The policy provides automatic contents cover equal to 20% of the Home Building Sum Insured, subject to a maximum of ₹10 lakh, if both covers are selected.
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Ans: Yes, the policy may help cover additional accommodation or rent-related expenses if the insured home becomes unfit for living due to an insured event.
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Ans: Yes, tenants can opt for contents insurance and related protection benefits under the policy.
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Ans: The premium depends on factors such as property location, construction type, sum insured, selected covers, and policy tenure.
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Ans: You can buy the policy online by entering property details, selecting covers, paying the premium, and receiving the policy digitally.
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Ans: Commonly required documents include identity proof, claim form, repair estimates, invoices, photographs of damage, and FIR copies for burglary claims.
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Ans: Common exclusions may include wear and tear, intentional damage, war and nuclear risks, existing damage, and consequential losses. Policy terms and exclusions apply.
