Secure Your Homes this Diwali with Bharat Griha Raksha Policy

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As the festive season approaches, it’s time to add an extra layer of brightness to your celebrations. This Diwali, consider securing your home with Bharat Griha Raksha Policy, i.e., Home Insurance. This thoughtful step ensures that your festivities remain joyous, even in the face of unexpected events.

What is Bharat Griha Raksha Policy?

A Bharat Griha Raksha Policy is like a safety net for your home. It protects your precious abode and its contents from unforeseen events like fire, theft, natural disasters, and more. This policy provides financial support to recover and rebuild after a covered incident, giving you peace of mind.

What is covered under the policy?

  1. Building: The home building provides cover against the damage or destruction caused to your home due to the covered perils. In such a scenario, the insurance will pay for the cost of reconstruction, cost of repairs, Architect and engineer’s fees, cost of clearing Debris and loss of rent.
  2. Home Contents: This section covers loss of contents or damage to contents due to the covered perils. Policy provides cost of repairs and cost of replacement of the content lost or damaged.
  3. Cover for Valuable contents on Agreed Value Basis: Valuable contents of Your home such as jewelry, silverware, paintings, works of art etc. can be covered under this optional cover.
  4. Personal Accident Cover: If the insured peril causes damage to your Home Building and/or Contents also results in the death of either you or your spouse, a compensation of ₹ 5 Lakh (Rupees Five Lakh) per person would be payable.

Why buy a Bharat Griha Raksha Policy this Diwali?

Natural Calamity Coverage: Diwali often coincides with unpredictable weather. A Bharat Griha Raksha Policy covers damage caused by natural disasters like earthquakes, floods, and storms.
Fire Safety: With all the festive lights and candles, the risk of fire accidents increases. This policy ensures that you’re financially covered in case of fire-related damage caused to your home and contents.
Protection Against Theft: Unfortunately, thefts can occur, especially during festive seasons also. Bharat Griha Raksha Policy provides coverage against theft or burglary, offering you peace of mind while you celebrate.
Liability Support: Accidents can happen, even during celebrations. This policy includes personal liability add on coverage, protecting you from accidental death.

Apart from this there are damages caused by a lot of other perils covered under this policy which are explosion/implosion, lightning, landslide/rockslide, forest fire, impact damage, missile testing, riots, strike, malicious damage, bursting of water pipes/tanks etc.

What are the exclusions

When buying a policy, it is also important to understand what the exclusions under the said policy are.

The events and losses that are not covered in this policy are listed below:

  • Your deliberate, willful or intentional act
  • War, invasion, war-like operations
  • Ionizing radiation
  • Pollution or contamination
  • Property is missing or has been mislaid
  • Consequential or indirect loss or damage
  • Loss or damage to bullion or unset precious stones, manuscripts, vehicles and explosive substances
  • Addition, extension, or alteration to Your building more than 10% of its carpet area
  • Costs, fees, or expenses for preparing any claim

Steps to Get Bharat Griha Raksha Policy

Assess Your Needs: Before purchasing, evaluate the value of your belongings and the potential cost of rebuilding your home. This helps you choose the right coverage amount.

Compare Policies: Research and compare different insurance providers and their add ons with premiums being charged. Look for comprehensive coverage at a reasonable premium.

Read the Details: Pay close attention to policy terms, conditions, and exclusions. Understand what is covered and what is not.

Customize Your Policy: Many insurance providers offer add-ons or riders. Consider adding specific endorsements based on your needs.

Keep an Inventory: Maintain a list of your belongings and their estimated value. This is crucial for making a claim.

Insurance Samadhan


This Diwali, let your celebrations be worry-free with a Bharat Griha Raksha Policy. It’s a gift that not only brings security but also ensures that your festivities are filled with joy and light. Embrace the season with confidence, knowing that your home is protected against any unexpected events.

For any kinds of Insurance claims delays, rejections or short settlement, feel free to contact Insurance Samadhan.

By- Chirag Nihalani

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