Bharat Griha Raksha Policy Online starting ₹150/year*

property-insurance
property-insurance
usp icon

Zero

Documentation

usp icon

Quick Claim

Process

usp icon

Affordable

Premium

,

Zero Paperwork. Online Process
Select Property Type
+91
I agree to the Terms & Conditions
background-illustration
usp icon

Zero

Documentation

usp icon

Quick Claim

Process

usp icon

Affordable

Premium

,

background-illustration

Buy Bharat Griha Raksha Policy Online

What is Bharat Griha Raksha policy?

Do I Really Need Griha Raksha Insurance?

If that’s a question you’ve been battling with, read on. 

Fire
There has been a 250% rise in fire incidents in India this year compared to 2022 (1)
Earhquake
India was hit by 10 earthquakes in the first quarter of 2023 alone (2)
Damages to House
Extreme weather events were recorded on 90% of the days in the first 9 months in 2022 (3)
Damage Due to Extreme Weather Condition
423.3K houses were damaged due to extreme weather conditions in 2022 alone (4)
Theft or Scams
India recorded more than 220K cases of theft in 2020 in residential places, commercial establishments, office premises and more.

Key Features of Bharat Griha Raksha Policy by Digit

What’s Covered Under Bharat Griha Raksha Policy?

Theft

Theft

Loss to the building or its content because of theft within seven days from the occurrence of and proximately caused by any peril covered under the policy.

Earthquake

Earthquake

There is nothing one can do to avoid potential losses when it comes to natural calamities. However, the Bharat Griha Raksha policy will ensure that you are covered for the losses.

Fire

Fire

In India, many houses catch fire due to various factors. It causes a lot of damage to the home and its belongings. The standard policy comes in handy in such unfortunate scenarios.

Flood

Flood

Another factor that causes damage to a house is flood. During the rainy season, flood wreak havoc and cause massive damage to the residential place and its belongings.

Aircraft and Explosion

Aircraft and Explosion

The Bharat Griha Raksha policy covers damage caused by explosion and an airplane colliding into a residential complex.

Storms

Storms

The policy also covers damage caused by storm & hurricanes to a house and its belongings.

Act of Terrorism

Act of Terrorism

Damage caused to the building or its content because of an act of terrorism is covered under the policy.

What’s Not Covered?

Who Should Buy Bharat Griha Raksha Policy?

The standard house insurance policy will ensure that you have peace of mind knowing that your house and its belongings are covered against any damage caused by perils like fire, storm, flood, earthquake, etc.

Those who should buy Bharat Griha Raksha Policy are:

1
Individual dwelling property owners and renters
2
Society/corporate owners and renters
3
Housing Societies

How to Buy Digit’s Bharat Griha Raksha Insurance?

Type of Covers Available

There are three types of covers available in Bharat Griha Raksha policy. They are - 

Only Building Cover

Building + Content Cover

Only Contents Cover

The policy will cover the damage caused to the building under this type of the policy. It means the damage incurred to the structure of the building.

Under this type, the policy covers both the building and the home contents equal to 20% of Sum insured of home building with a maximum limit of Rs 10 Lakh.

The third type of the policy covers all the home content which is declared irrespective of the sum insured

Types of Houses Covered

The Bharat Griha Raksha policy is designed to suit different types of houses. They are -

Villas

The policy covers an independent villa or a house. It protects the home from potential risks and other unforeseen circumstances.

Standalone building

The Bharat Griha Raksha policy will cover the standalone establishment or a rented building where you and your family reside, if there is any damage.

Flats

The standard home insurance policy also covers independent flats located in standalone buildings or are part of housing societies. It doesn’t matter whether you have rented the flat or own it; the coverage remains the same.

Add-on Covers with Digit’s Bharat Griha Raksha Policy

*Note: All the add-ons mentioned are subject to their own terms and conditions, coverages, and exclusions. Please refer to your policy document thoroughly or call your insurance provider to know more about the add-on covers.

Cover for Valuable Contents

Cover for Valuable Contents on Agreed Value Basis (under Home Contents cover)

If the valuable contents are physically damaged by any insured event, or there is a total loss, this add-on will cover expenses on an agreed amount.

Personal Accident Cover

Personal Accident Cover

A Personal Accident add-on compensates you or your spouse in the event of death due to an event. Suppose there was a fire, that results in damage to property and death. In such unfortunate cases, we will pay compensation of Rs. 5,00,000/- per person.

Additional Living Expense Cover

Additional Living Expense Cover

In case a disaster has occurred that has deemed your home/building uninhabitable, this add-on covers you for the additional living expenses like boarding and lodging costs, storage/procurement costs for household items, to the alternate accommodation.

Tenant Liability Insurance

Tenant Liability Insurance

When renting a property, property owners might hold the tenant liable for damage caused due to unexpected instances like fire, floods, electrical problems, etc. However, with this cover, the tenant will be protected from such claims.

Accidental Damage

Accidental Damage

For loss or damage due to insects, fumes, ground heave, change in temperature, electrical or mechanical derangement, etc., an accidental damage cover add-on can help.

Minor Acquisitions

Minor Acquisitions

Minor acquisitions refer to those home contents purchased after buying your home insurance policy. If you wish to cover those contents as well, you must inform your insurer within 3 months after purchase.

Incidental Costs

Incidental Costs

Incidental costs refer to the additional, minor expenses that occur while conducting any business. For eg., property upgradation is incidental but required. With this add-on, a loss, destruction or damage is payable under the base policy.

Fire Extinguishing/Fighting Expenses and Sprinkler Upgrading costs

Fire Extinguishing

In the event of a fire, if there is damage to the machinery used to extinguish/fight/control the fire as well, then you will be covered for those expenses with this add-on. Similarly, in the event of damage to a sprinkler installation, this add-on shall cover costs for the repair and reinstallation of the same, along with any additional costs.

Involuntary Betterment

Involuntary Betterment

Involuntary Betterment means unintentional betterment of an item because there is no other alternative of the same kind to replace it with. With this add-on, your insurer is liable for paying the expenses related to installation and cost of replacing the damaged property with something similar.

How to File a Claim?

After you buy our bharat griha raksha plan, you live tension free as we have a 3-step, completely digital claims process!

Step 1

Call us at 1800-258-5956. We will help you file a claim and investigate the loss or damage as required.

Step 2

Upload the required documents & your bank account details, on the link sent.

Step 3

We’ll take care of the rest!

Factors Affecting Premium of Bharat Griha Raksha Policy

Why Choose Digit?

Super-Simple Claims

Super-Simple Claims

Claims are the heart of insurance. That’s why we provide a super-simple, easy and quick claim process. You can call us at 1800-258-5956 or email us at: hello@godigit.com. Our team will assess the damages and get back to you soon.

Zero Documentation

Zero Documentation

Don’t worry about the paperwork in your insurance anymore! Now you can easily buy your home insurance and make claims online! (Note: Claims above 1 lakh will need manual inspection as per the IRDAI).

Affordable Premium

Affordable Premium

Did you hear? Our Home Insurance policy starts from ₹150/year*. We’ve made our policy super affordable. After all, it’s about protecting one of your most prized possessions!

24*7 Support

24*7 Support

We’re available to help you 24*7, with our call facilities operational even on national holidays.

Loved by Customers

Loved by Customers

We are trusted by 3 Crore + customers. This is inclusive of all policies/members/lives on-boarded from our inception.

More TLC, Less T&C

More TLC, Less T&C

Transparency and simplicity are what we stand by. That’s why with us, there are no hidden clauses. We’ve simplified our documents for even 15-year-olds to understand them.

The What’s What of Your Policy

Bharat Griha Raksha Policy Premium Chart

Let’s understand the premium for different types of home properties using this table.

For example, you own villas of 1000 sq. ft. in multiple cities. Basis the location, the rate per sq. ft. of your property, your sum insured (SI) and your premium amounts will vary. In metropolitan cities such as Delhi or Mumbai, the rate per sq. ft. is slightly higher.

Let's take a look at the table for the following premium amounts:

City Rate per sq. ft. Only Buildings Cover Buildings and Contents Cover SI for only Building SI for only Contents
Bengaluru ₹1000 ₹296 ₹567 ₹ 10,00,000 ₹ 2,00,000
Mysuru ₹1000 ₹296 ₹567 ₹ 10,00,000 ₹ 2,00,000
Udaipur ₹1000 ₹296 ₹567 ₹ 10,00,000 ₹ 2,00,000
Delhi ₹1250 ₹370 ₹707 ₹12,50,000 ₹2,50,000
Mumbai ₹1250 ₹370 ₹707 ₹12,50,000 ₹2,50,000

Another example could be if you live in a rented property, depending on different cities, your premium amounts for Only Contents Cover would be:

City 3 lakhs SI 50 lakhs SI
Chennai ₹404 ₹4,982
Bareilly ₹404 ₹4,982
Nashik ₹404 ₹4,982

*Note: The prices mentioned exclude 18% GST charges.

All You Need To Know About Home Insurance

digit-play video

FAQs about Bharat Griha Raksha Policy