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Yes, structure and building refers to the same thing; i.e. the physical aspects of your house such as the pillars, windows, outer walls, etc.

Yes, structure and building refers to the same thing; i.e. the physical aspects of your house such as the pillars, windows, outer walls, etc.

If your house has faced damages due to events such as a fire, robbery, storm, flood or earthquake, then you should immediately call us at our helpline number 1800-258-5956 (we’re available 24x7!) and we’ll take care of the rest. 

If your house has faced damages due to events such as a fire, robbery, storm, flood or earthquake, then you should immediately call us at our helpline number 1800-258-5956 (we’re available 24x7!) and we’ll take care of the rest. 

Yes, you can cancel your policy at any time. The premium amount will be refunded basis a percentage system as defined in your policy document.

Yes, you can cancel your policy at any time. The premium amount will be refunded basis a percentage system as defined in your policy document.

No, Bharat Griha Raksha policy does not offer automatic renewal of the policy. If you wish to renew your policy, it must be done before the end of the policy period by paying the required premium amount.

No, Bharat Griha Raksha policy does not offer automatic renewal of the policy. If you wish to renew your policy, it must be done before the end of the policy period by paying the required premium amount.

Building sum insured is calculated by considering per square ft. carpet area and Cost of Construction.

Building sum insured is calculated by considering per square ft. carpet area and Cost of Construction.

Bharat Griha Raksha offers an in-built cover for general home contents automatically. This means the insured need to additionally mention items such as furniture, kitchen equipment, clothing, etc. The policy provides 20% of the sum insured for the building subject to a maximum of Rs 10 lakh.

Bharat Griha Raksha offers an in-built cover for general home contents automatically. This means the insured need to additionally mention items such as furniture, kitchen equipment, clothing, etc. The policy provides 20% of the sum insured for the building subject to a maximum of Rs 10 lakh.

Personal Accident is optional cover. Personal Accident Coverage is limited to Insured and their spouse. In case of death of Insured & their spouse (after occurrence of Insured) - 5 lakhs per person can be claimed from the insurance company.

Personal Accident is optional cover. Personal Accident Coverage is limited to Insured and their spouse. In case of death of Insured & their spouse (after occurrence of Insured) - 5 lakhs per person can be claimed from the insurance company.

Auto escalation means an automatic increase of sum insured. In Bharat Griha Raksha policy there is an automatic increase (escalation) of 10% on base sum insured every year. For example: If the initial sum insured = 1,00,00,000 then, 2nd year sum insured = 10% of base sum insured 1,00,00,000 + 10,00,000 = 1,10,00,000. Every year, the sum insured will increase proportionally.

Auto escalation means an automatic increase of sum insured. In Bharat Griha Raksha policy there is an automatic increase (escalation) of 10% on base sum insured every year.

For example: If the initial sum insured = 1,00,00,000 then,

2nd year sum insured = 10% of base sum insured 1,00,00,000 + 10,00,000 = 1,10,00,000. Every year, the sum insured will increase proportionally.

Yes, dwelling and housing society is a part of Griha Raksha product. For dwelling it is for 10 years and for housing society it is 1 year.

Yes, dwelling and housing society is a part of Griha Raksha product. For dwelling it is for 10 years and for housing society it is 1 year.

There is no sum insured capping for Griha Raksha Product.

There is no sum insured capping for Griha Raksha Product.

Yes, auto escalation is valid for annual policy and is calculated on pro-rata basis.

Yes, auto escalation is valid for annual policy and is calculated on pro-rata basis.

Sum Insured limit is up to location sum insured and can be availed up to 36 months.

Sum Insured limit is up to location sum insured and can be availed up to 36 months.

Yes, house insurance is beneficial for both homeowners and renters. It provides financial protection for your home and essential items, allowing you to live stress-free, knowing your home and belongings are secure.

Yes, house insurance is beneficial for both homeowners and renters. It provides financial protection for your home and essential items, allowing you to live stress-free, knowing your home and belongings are secure.

To purchase home insurance in India, you typically need the following documents: Proof of Ownership – Sale deed, property registration papers, or allotment letter. Address Proof – Aadhaar card, utility bill, or rental agreement. ID Proof – PAN card, Aadhaar card, or passport

To purchase home insurance in India, you typically need the following documents:

• Proof of Ownership – Sale deed, property registration papers, or allotment letter.

• Address Proof – Aadhaar card, utility bill, or rental agreement.

• ID Proof – PAN card, Aadhaar card, or passport

Yes, tenants can purchase contents insurance to protect their personal belongings inside the rented property. The landlord usually covers the structure.

Yes, tenants can purchase contents insurance to protect their personal belongings inside the rented property. The landlord usually covers the structure.

Yes, most insurers offer standalone contents insurance policies, which are ideal for tenants or those who want to protect only their personal belongings.

Yes, most insurers offer standalone contents insurance policies, which are ideal for tenants or those who want to protect only their personal belongings.

No, home insurance policies are non-transferable. The new owner must purchase a fresh policy in their name.

No, home insurance policies are non-transferable. The new owner must purchase a fresh policy in their name.

No, damage caused by pests, termites, or rodents is typically excluded as it is considered preventable through regular maintenance.

No, damage caused by pests, termites, or rodents is typically excluded as it is considered preventable through regular maintenance.

Yes, but only up to a specific limit. For high-value items, you may need to declare them separately and purchase additional coverage or a rider.

Yes, but only up to a specific limit. For high-value items, you may need to declare them separately and purchase additional coverage or a rider.

Yes, most insurers offer online purchase options. You can compare plans, customize coverage, and pay premiums digitally—often with instant policy issuance.

Yes, most insurers offer online purchase options. You can compare plans, customize coverage, and pay premiums digitally—often with instant policy issuance.

Yes, your home insurance claims can be rejected due to: Policy exclusions (e.g., wear and tear, negligence) Incomplete or false documentation Delay in claim intimation Non-disclosure of facts at the time of policy purchase

Yes, your home insurance claims can be rejected due to:

• Policy exclusions (e.g., wear and tear, negligence)

• Incomplete or false documentation

• Delay in claim intimation

• Non-disclosure of facts at the time of policy purchase

If your claim is rejected, you can request a review or appeal the decision with additional supporting documents. Common reasons for rejection include insufficient documentation, policy exclusions, or delayed claim filing.

If your claim is rejected, you can request a review or appeal the decision with additional supporting documents. Common reasons for rejection include insufficient documentation, policy exclusions, or delayed claim filing.

Common documents required for a home insurance claim include a duly filled claim form, Proof of damage (photos, repair bills), an FIR (for theft or fire incidents), Property ownership documents, and any additional documents requested by the insurer.

Common documents required for a home insurance claim include a duly filled claim form, Proof of damage (photos, repair bills), an FIR (for theft or fire incidents), Property ownership documents, and any additional documents requested by the insurer.

Yes, most insurers offer online renewal options. You can visit the insurer’s website, enter your policy details, review the coverage, and make the payment to renew your policy instantly.

Yes, most insurers offer online renewal options. You can visit the insurer’s website, enter your policy details, review the coverage, and make the payment to renew your policy instantly.

If you miss the renewal date, your policy may lapse, leaving your home unprotected. Some insurers offer a grace period, but if the policy expires, you may need to purchase a new policy, possibly at revised terms and premiums.

If you miss the renewal date, your policy may lapse, leaving your home unprotected. Some insurers offer a grace period, but if the policy expires, you may need to purchase a new policy, possibly at revised terms and premiums.

No, but premiums may increase upon renewal due to inflation, risk assessment, or changes in coverage. However, maintaining a claim-free record or opting for a higher deductible can help keep premiums affordable.

No, but premiums may increase upon renewal due to inflation, risk assessment, or changes in coverage. However, maintaining a claim-free record or opting for a higher deductible can help keep premiums affordable.

Yes. If your policy lapses and is not renewed, you lose coverage and cannot file claims for any damage occurring during the uninsured period.

Yes. If your policy lapses and is not renewed, you lose coverage and cannot file claims for any damage occurring during the uninsured period.