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Bharat Griha Raksha Policy
Jan 7, 2024

Exploring Additional Covers Under The Bharat Griha Raksha Policy

In the realm of insurance, the Bharat Griha Raksha policy stands out as a comprehensive solution for homeowners, offering protection against unforeseen risks. While the standard coverage under this policy provides a solid foundation, policyholders can enhance their security by opting for additional covers tailored to their specific needs. Let’s delve into the intricacies of this policy and explore the additional covers homeowners can consider adding to their safety net.

Bharat Griha Raksha Policy: An Overview

The Bharat Griha Raksha policy is designed to shield homeowners from various risks associated with their property. The policy typically covers perils such as fire, burglary, natural calamities, and public liability. It offers financial protection against the repair or replacement costs of damaged property, loss of personal belongings, and legal liabilities arising from accidents on the premises.*#

Exploring Additional Covers

These are some of the additional covers that you may consider including when you purchase this general insurance policy:

Coverage for Valuable Content

The base policy may cover default coverage for general items that come under the list of items it protects. But, as a policyholder, you can opt for an additional cover specifically tailored to protect valuable jewellery or high-end items. This ensures that the full value of precious items is accounted for in case of theft or damage.*# For example, if the sum insured of the policy is ₹5 Lakhs, and you have opted for additional coverage, the additional sum offered may not exceed a certain amount, such as say ₹1 Lakh. So, if the additional item/s that you wish to cover have a valuation of less than ₹1 Lakh, the policy might provide you compensation for the same. If the item is damaged, the insurer may pay the cost of repair for the same. If the item gets destroyed, you will get the sum insured as per the value mentioned in the policy document.*#

Personal Accident Cover

In any accident, there is always a certain degree of injury that might be caused to you or your loved one. If the accident takes place in a household, due to the presence of any object that can potentially cause injury, having financial coverage of an MSME insurance policy may prove to be beneficial. There is no predicting what type of mishap might happen when you are at home. For example, consider that there is an electrical short circuit in your house that causes a fire. And to assist your partner in escaping from the house, you suffer burns on your hand. Such burn injuries not only take time to heal completely, but they are also painful physically, mentally, and eventually, even financially. If you have a personal accident cover in your policy, you will be compensated as per the amount mentioned in the policy document.*# The coverage extends to your spouse as well. If something unfortunate were to happen to you, this coverage will continue insuring your spouse in your absence until the policy expires.*#

Factors to Consider When Choosing Additional Covers

At the time of policy purchase, you may ponder upon the thought of getting additional coverage for the policy. The factors listed below will give you an understanding of when you should consider additional cover:

Property Value and Contents

The overall value of the property, including the contents, should guide the decision-making process. Homeowners with high-value belongings or expensive jewellery may consider additional covers to ensure adequate protection. If the contents of your household are not high-end in nature, you may want to consider excluding this coverage.

Personal Preferences

Homeowners may have specific concerns or preferences based on their lifestyle. Those who travel frequently may prioritize additional security measures, while others may focus on protecting valuable collections or artwork. Do remember that additional coverage may increase the cost of your policy. Before your purchase, make a list of items that you feel require an additional safety net from perils. Considering the personal accident cover might prove beneficial as it offers continuous coverage from anything that might harm you and your partner.*#


The Bharat Griha Raksha policy provides a robust foundation for homeowners seeking insurance coverage for their properties. However, the additional covers allow individuals to customize their policies based on unique needs and circumstances. By carefully evaluating the specific risks they face and considering factors, homeowners may be able to tailor their insurance plans to create a comprehensive safety net. In the ever-changing landscape of homeownership, the ability to customize insurance coverage ensures individuals can safeguard their investments and cherished belongings effectively.   *Standard T&C Apply #Visit the official website of IRDAI for further details Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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