Bharat Griha Raksha Policy: Features, Exclusions, and Coverage

Bharat Griha Raksha Policy: Features, Exclusions, and Coverage

Protecting your home and belongings has become extremely important in today’s world. Unfortunate incidents such as theft, fire, or natural disasters can cause substantial financial problems. This is what we at Cholamandalam Insurance suggest that having an all-inclusive home insurance policy is crucial. One such policy that offers extensive coverage is the Bharat Griha Raksha policy. In this blog, we at Cholamandalam Insurance explain the key features, exclusions, and the extensive coverage of the policy.

Key features of bharat griha raksha policy:

1. Comprehensive Coverage:

The Bharat Griha Raksha policy offers coverage for your home, which includes the building structure, as well as its contents. In simple terms, this means that not only your house, but your valuable possessions are also protected.

2. All-Risk Cover:

The policy by Cholamandalam Insurance provides an all-risk coverage, which means that it will cover a wide range of risks, including theft, fire, lightning, disasters and more. You can have a peaceful time knowing that your home and your possessions are protected even in unforeseen circumstances.

3. Personal Accident Cover:

The policy also provides personal accident cover for the policyholder along with home protection. In case, if an accident leads to a permanent disability or death, the policy will offer financial assistance to the insured or their family.

4. Optional Covers:

The bharat griha raksha policy also offers optional covers such as increased jewelry cover, accidental breakage of glass, and third-party liability cover. The policy is customizable according to your specific needs and requirements.

Exclusions of Bharat Griha Raksha Policy:

1. Wear and Tear:

The Bharat Griha Raksha policy is not like any other insurance policy. It does not cover financial damages which are caused by normal wear and tear of the property. It is important to maintain your property sufficient enough to prevent such exclusions.

2. Consequential Loss:

This policy will not cover any of your loss or damage which might be the result of any consequential loss or damage. For example, if your house is damaged due to a covered peril, but you delay in fixing it, which might lead to further damage, then you may not be eligible to claim the cover.

3. Pre-existing Damage:

The existing damages before taking up the policy are not covered under this particular policy. Make sure that your house/property is in good condition or is maintained before you purchase the insurance policy.

4. War and Nuclear Risks:

The policy also excludes any damages caused due to war, invasion, acts of foreign enemies, nuclear weapons, or radioactive contamination. Such high-risk events usually fall outside the scope of home insurance policies.

Extensive Coverage of Bharat Griha Raksha Policy:

The Bharat Griha Raksha policy provides comprehensive coverage to protect you, your home and your possessions inside it. The policy includes coverage for the building structure, household articles, electronic appliances, and personal belongings such as jewelry and valuable items. The expenses for fire-fighting, debris removal, and additional living expenses are also covered by the policy if you have to be temporarily displaced from your home due to a covered event.

Additionally, this policy is introduced to cater different needs of various individuals, be it homeowners or tenants. The coverage can be extended to include rented contents and personal accident cover for domestic servants. Such flexibility ensures that you can customize the policy according to your specific requirements.

In conclusion, the Bharat Griha Raksha policy by Cholamandalam Insurance provides extensive coverage, significant features, and optional covers to fulfill your home insurance needs. While it is essential to understand the exclusions, this policy also provides extensive protection against various risks. By purchasing this policy, you don’t have to be worried about the financial burden of uncertainities, knowing that the cost of your home and belongings are guarded from unexpected events.


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