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Bharat Griha Raksha Policy

BharatGrihaRakshaPolicy

Key Features

Secure Your Home, Secure Your Peace

Coverage Highlights

Protect your home with essential coverage
  • Standardized Coverage

Introduced by IRDAI to ensure uniformity and comprehensive coverage for residential properties

  • Valuable Contents Cover

Offers optional coverage for valuable items such as jewellery, paintings, and silverware on agreed value basis

  • Long-Term Policy

Option to buy policy up to 10 years ensuring long-term security and peace of mind

  • Additional Benefits

In-built covers like loss of rent and alternative accommodation, which can be crucial in case of significant damage to the home

Inclusions

What’s covered?
  • Home Buildings Cover

Indemnifies losses to insured building structure (floors, walls, windows, fitted-in sanitary wares/fittings, piping and plumbing, electrical fittings, any other structure listed in the Policy Schedule) from named perils

  • Home Contents Cover

Covers the physical loss or damage to or destruction of the General Contents of Your Home Optional In-Built cover

  • Valuable Contents

Option to protect valuable items like jewellery, paintings, and silverware on an agreed value basis

  • Personal Accident

Optional cover for personal accidents resulting in injury or death of the policyholder

  • Loss of Rent and Rent for Alternative Accommodation

Provides coverage for the loss of rent if the insured property becomes uninhabitable due to an insured event Covers the cost of renting alternative accommodation if the insured property is uninhabitable due to an insured event

Exclusions

What’s not covered?
  • Intentional Damage

Any intentional damage or destruction caused by the policyholder or any other person acting on their behalf is not covered

  • Pre-existing Damages

Damages or losses that existed before the policy inception are not covered

  • Wear and Tear

Normal wear and tear, depreciation, or gradual deterioration of the property are not covered

  • Offsite Loss

Loss or damage to any Insured Property removed from Your Home to any other place

  • Pollution and Contamination

Losses or damages caused by pollution or contamination

  • Consequential Losses

Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever

  • Other Exclusions

Please refer to policy wordings for details

Additional Covers

What else can you get?
  • Accidental Damage Cover

Indemnifies against accidental physical loss or damage excluding Portable Items

  • Snow Damage Cover

Provides protection against damage caused by snow, ice, or sleet

  • EMI Protection Cover

Covers the House Loan EMI payment or Fixed Benefit amount in case of loss due to named peril

  • Deliberate Damage

Covers physical loss or damage due to actions or orders from a government authority to prevent or mitigate damage

  • Waiver of Involuntary Improvement / Betterment Cost of the Equipment

Covers the cost of necessary improvements or betterments to equipment following an insured event

  • Electrical/ Electronic Appliance Clause Cover

Covers your electrical and electronic appliances against risks like fire, theft, and accidental damage

  • Growing Plants, Crops, and Trees, Landscaping

Indemnifies against damage to growing plants, crops, trees, and landscaping due to named perils

  • Incidental Costs

Covers incidental costs incurred due to an insured event such as temporary repairs

  • Immediate Repairs

Provides coverage for immediate repairs needed to prevent further damage following an insured event

Benefits You Deserve

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No Frills Coverage

IRDAI ensures uniform, comprehensive cover for all

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Long-Term Policy

Enjoy up to 10 years of reliable coverage for your peace of mind

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Additional Benefits

Covers loss of rent, alternative accommodation

Download Policy Documents

Get instant access to policy details with a single click

Expand Your Coverage Today

Accidental Damage Cover

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Protecting Your Home from Life's Unexpected Mishaps

Covers accidental physical loss or damage to the property

Starting from

INR 907 + GST

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Snow Damage Cover

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Shielding Your Home from Winter's Wrath

Protection against damage caused by snow, ice, or sleet

Starting from

INR 298 + GST

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EMI Protection Cover

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Ensuring Your Home Loan Stays on Track

Covers the EMI payments for the property in case of damage

Starting from

INR 148 + GST

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Deliberate Damage

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Excluding Intentional Harm for Clear Coverage

Excludes coverage against any intentional damage

Starting from

INR 171 + GST

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Waiver of Involuntary Improvement /Betterment Cost

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Covering Necessary Upgrades Without Extra Cost

Covers cost of necessary improvements to the equipment

Starting from

INR 2215 + GST

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Electrical/ Electronic Appliance Clause Cover

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Safeguarding Your Gadgets and Appliances

Coverage for electrical & electronic appliances

Starting from

INR 31 +GST

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Incidental Cost

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Covering the Unexpected Costs of Recovery

Covers incidental costs incurred due to an insured event

Starting From

INR 75 +GST

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Immediate Repairs

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Quick Fixes for Immediate Peace of Mind

Provides coverage for immediate repairs.

Starting From

INR 46 +GST

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Step-by-Step Guide

To help you navigate your insurance journey

How to Buy

  • 0

    Visit the Bajaj Allianz General Insurance website

  • 1

    Fill in the lead generation form with accurate details

  • 2

    Get quote, make payment and receive the policy documents

How to Renew

  • 0

    Contact the Policy Issuing Office

  • 1

    Review expiring policy and share necessary details

  • 2

    Receive renewal quote

  • 3

    Make renewal payment

  • 4

    Receive the renewed policy documents via email

How to Claim

  • 0

    Contact us through our customer service touchpoints

  • 1

    Submit the claim form along with the necessary documents

  • 2

    Provide details of the incident and any supporting evidence

  • 3

    Cooperate with the claims investigation process

  • 4

    Receive the claim settlement as per the policy terms

Know More

  • 0

    For any further queries, please reach out to us

  • 1

    Phone +91 020 66026666

  • 2

    Fax +91 020 66026667

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What Our Customers Say

Cashless Claims

Excellent service for your mediclaim cashless customers during COVID. You guys are true COVID warriors, helping patients by settling claims during these challenging times

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Arun Sekhsaria

Mumbai

4.5

28th May 2021

Instant Renewal

I am truly delighted by the cooperation you have extended in facilitating the renewal of my Health Care Supreme Policy. Thank you very much.    

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Vikram Anil Kumar

Mumbai

4.5

26th Jul 2020

Quick Claim Settlement

Good claim settlement service, even during the lockdown, has enabled me to sell the Bajaj Allianz Health Policy to more customers.

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Prithbi Singh Miyan

Pune

4.5

26th Jul 2020

Instant Policy Issuance

Very user-friendly. I got my policy in less than 10 minutes.

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Jaykumar Rao

Bhopal

4.7

24th May 2019

FAQ's

What's the entry age for this policy?

Every Indian home and family deserves protection. Given the unpredictable nature of life, the sooner you opt for home insurance, the better. Anyone aged 18 and above can buy a home insurance plan from Bajaj Allianz. For personal accident cover, the entry age for the proposer and spouse is 18 to 65 years. Dependent children can be covered from 5 to

What's the policy period?

The Bajaj Allianz Householder's Package Policy is an annual policy providing extensive coverage for your home and belongings against various risks.

Who can be covered under this policy?

For personal accident cover, both the proposer and spouse can be included. Dependent children can be covered from 5 to 21 years old.

What is My Home Insurance?

Your dream home deserves to be protected. Our My Home Insurance policy is a very affordable financial tool designed to cover your home and its contents against natural and man-made calamities such as earthquakes, floods, fire, theft, burglaries and any other risks it might be prone to.

What is property insurance?

Property insurance is a policy offered to homeowners who wish to cover their property structure as well as its contents, which will protect them against financial losses caused due to incidents such as fire, burglary, flood, theft, etc. You can also cover only the contents of the house that you have rented for living purposes.

What makes our insurance unique?

Get the coverage your vehicle deserves 1. Our insurance provides comprehensive protection by covering accidents, theft, and damages. 2. The claim settlement process is smooth and hassle-free, with minimal paperwork/ 1. Our 24/7 assistance ensures that help is always available no matter where you are.

What is a home insurance policy?

A home insurance policy protects homeowners from financial losses related to damage or destruction of their property and its contents.

Can I get an insurance policy for my home?

Yes, home insurance policies are widely available. However, the availability and specific types of coverage can vary depending on your location and the characteristics of your home.

What is the cost of home insurance policy?

The cost of a home insurance policy varies significantly based on factors such as the home's location, size, age, construction materials, coverage limits, and deductible amount.

What documents do I need to get a home insurance policy?

Home insurance can be obtained by providing basic information about your property, including its address, age, square footage, and construction details. Some insurance providers may also require documentation related to the home's value, such as an appraisal or purchase agreement. Check with the specific insurance provider for requirements.

What are common exclusions in home insurance policies?

Common exclusions often include damage from floods, earthquakes, wear and tear, mold, and certain types of water damage. It's crucial to review your policy documents to understand the specific exclusions that apply.

How do I register my claim?

To initiate a claim, you must promptly notify your insurer. It is important to provide details such as the date and time of the incident, along with a summary of what happened. Quick reporting allows for a timely assessment and response to your claim.

What documents would I need to process my home insurance claim?

The documents required to raise a claim generally include your insurance policy, a detailed account of the incident, photographic or video evidence of the damage, and repair cost estimates. These documents help the insurer accurately evaluate the claim and determine the extent of the loss.

What is the claim settlement process under the home insurance?

The standard claim process involves reporting the incident, submitting all requested documentation, and undergoing an assessment by an insurance adjuster. Following the assessment, the insurer reviews the claim for approval. Upon approval, a settlement offer is presented by the insurer. This process ensures a fair evaluation of the claim.

How many times can I raise a claim on my home insurance policy?

While there is typically no fixed limit on the number of claims, frequent filings can influence your policy. Multiple claims within a short timeframe may lead to adjustments in your premiums. Insurance providers evaluate risk based on claim history, and consistent filings can indicate a higher risk profile, affecting future coverage.

What steps should I take immediately after my home is damaged?

Ensure the safety of everyone in your home. Take steps to prevent further damage, such as covering damaged roofs or windows. Document the damage with photos and videos. Contact your insurance company as soon as possible to report the claim.

Can I renew my home insurance policy?

Yes, home insurance policies can get renewed annually. Most insurers will offer renewal options, but it's essential to confirm with your specific provider.

How can I extend my home insurance plan?

Home insurance policies are generally renewed rather than extended. Contact your insurance provider before the policy's expiration date to initiate the renewal process.

What happens if my home insurance expires?

If your home insurance expires, your property will be uncovered. This means you would be financially responsible for any damages or losses that occur. It is recommended to ensure your policy is renewed before its expiration date to avoid a lapse in coverage.

What is the validity period of home insurance?

The validity period of home insurance is usually an year. However, some insurers may offer policies with different terms. Always confirm the validity period with your insurance provider when purchasing or renewing your policy.

Can I change my coverage level or add-ons at renewal?

In most cases, you can adjust your coverage level or add-ons at renewal. However, any changes may be subject to underwriting and approval by the insurance company.

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Bajaj Allianz Bharat Griha Raksha Policy

Owner or Tenant- Protect Your Home and Its Contents With Us

Owning a house is one of the biggest investments and achievements. But making it a home involves care and effort. More often than not, people forget to secure the four walls with a suitable insurance policy.

With the increase in natural disasters such as floods, earthquakes, landslides, etc. And other unforeseeable events such as fire, riots, and so forth one becomes vulnerable to the effects of these perils in terms of property damage and mental peace.

Your home is a place where you feel the safest and remain at ease. Home insurance is a holistic product that offers a cover to your building, contents inside and other valuables. It also offers multiple add-on covers like loss of rent, and alternative accommodation cover, etc. It gives a comprehensive solution to protect your home in all ways. Include your home in our circle of care and choose Bajaj Allianz Bharat Griha Raksha Policy.

What is Bharat Griha Raksha Policy?

The Bajaj Allianz Bharat Griha Raksha Policy provides insurance coverage to your home building and home contents that are inside the home. You can buy the plan for a maximum of 10 years.

In case of any physical loss, destruction, or damage to the building of the home or the things inside it, a Bajaj Allianz BGRP policy comes to your rescue. You can avail of the below types of covers:

● Home Building Cover:

It covers the building structure of the home.

● Home Content Cover:

It offers a cover for the things/articles in the home. For example, electronic items such as washing machines, refrigerators, ovens, TV antennae, kitchen items, antennae, solar panels, water storage equipment, electrical equipment (including those fitted on walls), clothing and apparel and items of similar nature.

● Optional Cover:

You also avail the benefit of an optional cover upon paying an additional premium amount.

● Cover for Valuable Content on Agreed Value Basis:

Covering the valuable contents of your home like jewellery, paintings, silverware, works of art, etc.

● Personal Accident Cover:

In case of a peril resulting in the death of the policyholder or their wife because of an insured event that caused damages to the home building or home contents, a compensatory amount of Rs. 5 lakhs per person will be provided.

Eligibility Criteria of Bajaj Allianz Bharat Griha Raksha Policy

● Anyone who is looking forward to covering your home building or home contents. Contents means goods of household use in your home, e.g., furniture, electronic items and goods, antennae, solar panels, water storage equipment, kitchen equipment, electrical equipment (including those fitted on walls), clothing and apparel and items of similar nature.

● Within it, if more than one person is to be insured, then each of you becomes a joint policyholder.

● If the home building or home content has been hypothecated, pledged, or mortgaged with the bank then an ‘Agreed Bank Clause’ needs to be shown up with the bank name.

Who Should Buy Bajaj Allianz Bharat Griha Raksha Policy?

You can buy the Bajaj Allianz BGRP insurance policy if you are an owner, landlord, authorized occupier, or tenant.

If your home building is used for residential purposes consider securing it with this insurance policy. If any commercial activity is being carried out, then this may not be a wise decision.

You can also look at securing any item or article/things if you are the purchaser, owner, or responsible for the same.

Benefits of Bajaj Allianz Bharat Griha Raksha Policy

● Covers your home building, compound wall, gates and water tanks

● Contents of the household that are used in the home. For example, furniture, electronic items & goods, antennae, kitchen equipment, water storage equipment, electrical equipment, etc.

● Loss of rent and rent for alternative accommodation. This is applied when your home building is not fit for living because of physical loss arising out of an insured event

● 20% of the sum insured for general content cover. This is to a maximum of Rs. 10 lakhs only when opting for both Home Building and Home Contents cover

● Valuable contents such as jewelry, paintings, silverware works of art, antique items, curios and items of similar nature by taking additional coverage

● Waiver of underinsurance

● No Excess

● Personal Accident Cover of Rs. 5 lakhs per person which covers either you or your spouse because of unfortunate death due to insured peril that caused damages to the Home Building and/or Home Contents

● Theft within 7 days from the occurrence of an insured event

*T&C apply

 

Why you should Buy Bajaj Allianz Bharat Griha Raksha Policy?

● One of the Leading Private General Insurance Companies in India

● Coverage for Owned and Rented Home

● Comprehensive Protection Against Multiple Risks

● We Innovate As Per Your Needs

● Instant Solutions

● Got Your Back- 24x7 Assistance

● Over Two Decades of Claim Expertise

Inclusions Under Bajaj Allianz Bharat Griha Raksha Policy

Take a look below to know what remains covered under a Bajaj Allianz Bharat Griha Raksha Policy:

● Fire

● Lightning

● Explosion or Implosion

● Earthquakes, volcanic eruption, or other convulsions of nature

● Cyclones, Storms, Tornado, Typhoon, Tempest, Tsunami, Flood, Hurricane and Inundation

● Subsidence of the land on which the Premises stand, Rockslide, Landslide

● Bush fire, Forest fire, Jungle fire

● Impact damage of any kind, i.e. damage caused by the impact of, or collision caused by, any external physical object (e.g. vehicle, falling trees, aircraft, wall, etc.)

● Missile testing operations

● Riots, Strikes, Malicious Damages

● Acts of terrorism

● Bursting or overflowing of water tanks, apparatus and pipes

● Leakage from automatic sprinkler installations

● Theft within 7 days from the occurrence of, and proximately caused by, any of the above

*T&C apply

Note: For complete information, please refer to the policy wording carefully..

Exclusions Under Bajaj Allianz Bharat Griha Raksha Policy

Here is a rundown of the events that remain uncovered under the Bajaj Allianz Bharat Griha Raksha Policy:

● Deliberate, willful, or intentional act or omission, or of anyone on your behalf, or with your complicity

● War, invasion, the act of foreign enemy hostilities or war-like operations

● Pollution or contamination

● Loss or damage to the insured property removed from your home to other places

● Missing or disappearance of property

● Damage to bullion, unset precious stones, any curios or works

● Costs, fees, or expenses for preparing claims

● Ionising radiation or contamination by radioactivity

● Loss of earnings, loss of market, loss by delay, or other consequential/indirect loss

*T&C apply

Note: For complete information, please refer to the policy wording carefully..

We understand that a home is the most valued possession for you. With a customer-centric approach, we aim to provide instant solutions and secure your invaluable place. If you are a homeowner or a tenant, ensure buying Bajaj Allianz Bharat Griha Raksha Policy. After all, ‘Home is where the heart is’, isn’t it?

Note: ‘BGRP’ is the acronym for Bharat Griha Raksha Policy.