Protect Your Home and Its Contents
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Protects your family
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AI-assisted claims via app
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24/7 customer support
IndusInd Bharat Griha Raksha Policy
Bharat Griha Raskha Policy is a standardised policy designed for homeowners in India to ensure every home is protected against uncertain risks such as natural disasters, theft, fire and other serious risks. It covers both the structure of your home and your household contents, helping you manage repair or replacement costs without financial stress.
Think of it this way, your home is one of your biggest lifetime investments, built over years of savings and effort. A single fire, flood or natural disaster can cause damage that takes years to recover from. Griha Raksha acts as a safety net, ensuring that even in such situations, you’re not left starting from scratch.
With IndusInd Griha Raksha Policy (previously known as Reliance Griha Raksha Policy), you get confidence knowing your home is financially protected against major risks. While you focus on rebuilding and getting your life back on track, your insurance takes care of the financial support you need when it matters the most.
What is Bharat Griha Raksha Policy?
Bharat Griha Raksha Policy is a standard home insurance policy introduced by the Insurance Regulatory and Development Authority of India (IRDAI) to protect residential homes in India. It provides uniform coverage for damage to the home building and household contents caused by risks like fire, floods, earthquakes, storms, and other specified perils.
This policy is standardised across all insurers, which means the Bharat Griha Raksha policy coverage, terms and conditions remain the same regardless of the insurance company you choose. Only the service experience and premium pricing may differ. Bharat Griha Raksha Policy is designed to make home insurance simple, affordable and easy to understand for homeowners across India.
Why 8 Crore+ Policyholders Choose Us?
The Bharat Griha Raksha Insurance from IndusInd General Insurance is designed to protect your home's foundation by offering clear, standardised cover for your home's building and contents against common risks such as fire, floods and storms. It focuses on what truly matters, helping you rebuild and recover without financial stress.
Customised Coverage
With In-built add-on covers
All-Digital Processes
Easy to buy, renew and claim
24/7 Customer Support
Dedicated & constant assistance
Video Claims Feature
Quick claims with IndusInd App
Benefits of Bharat Griha Raksha Insurance
In 2024–25, India saw a sharp rise in damage from extreme natural events such as floods, storms and landslides. These incidents resulted in over 364,000 houses affected all over India, which is up from about 140,000 the previous year. This highlights how weather-related risks are putting more homes at financial risk than before.
Similarly, fire-related damage risks have been increasing, with Delhi seeing a 14.8% increase in fire incidents, indicating the need to protect your home with a home insurance policy.
Protection for Up to 10 Years
Protect your home for up to 10 years under a single policy. It also includes permanent structures like compound walls, garages, solar units, etc., within your insured home.
Covers Building and Home Contents
Your general household contents are automatically covered up to 20%* of the building sum insured, a maximum of ₹10 lakhs, with no separate declaration required for everyday items.
Auto Increase in Coverage
The sum insured for your home building increases automatically by 10%* every year to keep up with rising construction costs, without paying any extra premium.
No Deductibles
You don’t need to bear any compulsory deductible while making a claim. A deductible applies only in case of terrorism-related claims, as specified in the policy.
Built-In Covers + Add-Ons
The policy comes with 3 in-built covers as standard and allows you to enhance your protection with 2 optional add-ons, based on your specific home insurance needs.
Designed for Everyone
This policy is suitable for homeowners, tenants, and landlords, making it flexible whether you live in the house, rent it out or stay in a rented home.
Bharat Griha Raksha Policy Coverage: What’s Covered and Not Covered?
What’s Covered?
General Contents Cover: Automatically covers furniture, appliances, clothes, and household items up to 20% of the building sum insured (maximum ₹10 lakh).
Impact Damage: Covers damage caused if a vehicle, a falling tree or an external object accidentally hits your house.
Bursting of Water Tanks or Pipes: Covers water damage caused by sudden bursting or leakage of internal water tanks, pipes or appliances.
Fire Damage: Covers loss or damage to your home and contents caused by accidental fire, including fire from gas leaks or electrical sources.
Natural Disasters: Covers damage caused by earthquakes, floods, cyclones, storms, lightning, landslides and other natural calamities mentioned in the policy.
Explosion & Implosion: Covers damage caused by sudden explosions from gas cylinders, boilers or pressure-related incidents inside the house.
Riot, Strike & Malicious Damage: Covers damage to your home due to riots, strikes, vandalism or intentional damage by third parties.
Theft After an Insured Event: Covers theft of household items if it happens within 7 days after a covered event like fire or flood.
Exclusions
Intentional Damage: Loss or damage caused deliberately by you or family members is not covered.
Normal Wear and Tear: Damage due to ageing, rust, corrosion, or poor maintenance is not covered.
Electrical or Mechanical Breakdown Alone: Damage only due to a short-circuit or equipment failure without a covered peril is excluded.
War and War-like Situations: Loss caused due to war, invasion, civil unrest or similar events is not covered.
Nuclear Risks: Damage caused by nuclear radiation or radioactive contamination is excluded.
Loss Outside the Insured Home: Items removed permanently from the insured house are not covered.
Indirect or Consequential Losses: Loss of rent, business loss or delays caused by damage are not covered unless specifically insured.
Disclaimer: For the complete list of Inclusions and Exclusions, please refer to the policy wording here
In-Built Covers and Add-Ons
In-built covers are automatically included in your Bharat Griha Raksha Policy at no extra cost. They help cover important expenses that come up after your home is damaged, not just the repair itself. While add-ons are optional covers you can choose by paying a little extra premium. They help protect valuable items or your family’s financial security beyond basic home damage cover.
In-built Covers
Architect, Surveyor & Engineer Fees
If your home is damaged, professional fees for assessing and planning repairs are covered. This includes architect, surveyor, and consulting engineer charges. Coverage is available up to 5% of the approved claim amount.
Debris Removal Costs
After damage due to fire or natural disasters, debris must be cleared before repairs begin. This cover pays for removing damaged materials from your home. Expenses are covered up to 2% of the claim amount.
Loss of Rent / Alternative Accommodation
If your home becomes unfit to live in after a covered event, this helps you manage stay expenses. It covers loss of rent (for landlords) or rent for temporary accommodation (for owners/tenants). Coverage applies as per the sum insured and the number of months chosen.
Add-Ons
Cover for Valuable Contents (Agreed Value Basis)
This optional cover protects high-value items kept at home. Jewellery, silverware, paintings, artworks and similar valuables can be insured. Claims are settled based on the pre-agreed value, avoiding disputes at the time of loss.
Personal Accident Cover
If a covered event damages your home and also leads to the death of you or your spouse, this applies. It provides financial support to the family during a difficult time. A lump-sum compensation of ₹5 lakh* per person is payable.
Disclaimer: The inclusions and exclusions are subject to policy terms and conditions. Please refer to the official policy document for complete details here.
Types of Buildings Covered
Flats and Apartments
Covers individual flats in standalone buildings or housing societies. This includes the structure of your flat and shared residential buildings used only for living purposes.
Independent Houses
Protects standalone residential homes owned by individuals. This includes the main building and attached residential structures within the same premises.
Villas
Ideal for gated community villas or row houses used for personal living. The policy covers the villa structure along with permanent fixtures and utilities.
Bungalows
Covers large independent residential homes used by a single family. Additional structures like garages, compound walls, and water tanks can also be covered.
Residential Units in Mixed-Use Buildings
If your home is part of a building with shops or offices below, your residential unit is covered as long as it is used only for living.
Who Can Buy Bharat Griha Raksha Policy?
Homeowners
If you own the house you live in, this policy protects your home building, contents, and additional structures against risks like fire, floods, and other insured events.
Tenants (Renters)
Even if you don’t own the house, you can insure your household contents like furniture, appliances, electronics, and personal belongings against loss or damage.
Landlords
If you rent out your residential property, you can insure the home building structure while the tenant separately insures their personal belongings.
Apartment Owners in Housing Societies
Flat owners in apartments or gated communities can insure their individual residential unit, including permanent fixtures, fittings, and utilities within the home.
Owners of Independent Houses, Villas or Bungalows
Individuals owning standalone homes can get comprehensive protection for the building, contents, and additional structures like garages, compound walls and water tanks.
How to Buy IndusInd Bharat Griha Raksha Policy Online?
Step 1: Start the Application: Scroll to the form at the top of this page to buy the policy. You can also use the calculator on the page to get an estimated Bharat Griha Raksha policy premium.
Step 2: Share Your Home Details: Select the type of property (owned or rented) and enter basic details such as location, construction type, and how the property is used (self-occupied or rented).
Step 3: Choose Your Coverage: Select coverage for the home building, home contents, or both. Enter the appropriate sum insured based on the reconstruction cost and value of contents, then proceed.
Step 4: Review and Buy: Check the coverage details and premium, complete the online payment and receive your Bharat Griha Raksha Policy instantly on your registered email ID.
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How to Claim Bharat Griha Raksha Insurance
Step-By-Step Claims Process
Notify the Insurer Immediately
Inform the insurer as soon as any loss or damage occurs due to covered events such as fire, flood, cyclone, explosion or other insured perils.
Timely intimation helps faster survey and claim processing.
How to Contact for Claims
Email: healthcare@indusindinsurance.com
Phone: 022-4890 3009 /022-4111 2600
Mobile App: IndusInd Insurance App
Courier / Offline Submission:
IndusInd General Insurance
3rd Floor, Krishe Block, Krishe Sapphire,
Madhapur, Hyderabad – 500081
Survey and Damage Assessment
After claim intimation:
We appoint a licensed surveyor, usually within 2 working days, to assess the loss.
The surveyor evaluates the extent of damage and confirms the required documents.
The surveyor’s fee is paid by the insurer. You do not bear this cost.
Document Submission & Claim Settlement
Since Bharat Griha Raksha Policy follows a reimbursement-based claim process:
- You carry out repairs or reconstruction as required.
- Submit the claim form along with bills, invoices, photographs, FIR (for theft-related losses), and other supporting documents.
- Once verified, the approved claim amount is credited directly to your bank account, usually through NEFT.
Claim Settlement Method
Reimbursement is the standard settlement mode under this policy.
Complete and accurate documents help avoid delays.
Claim payment is made as per policy terms, coverage limits, and applicable conditions.
Key Takeaways
The IndusInd Bharat Griha Raksha Policy is a standard home insurance plan designed to protect your house and belongings against common risks like fire, floods, cyclones, earthquakes and other listed risks. It offers simple, transparent coverage with no hidden complexity, making it easy for homeowners to understand and use.
The policy covers your home building for up to 10 years, along with home contents and additional structures like garages, compound walls and water tanks. You also get automatic coverage for general contents, an annual 10% increase in building sum insured, and no deductible, except for terrorism-related claims.
With rising climate-related incidents in India and increasing reconstruction costs, having an IndusInd Bharat Griha Raksha Policy (previously known as Reliance Bharat Griha Raksha Policy) helps reduce financial stress after unexpected damage. With us, you also benefit from 24/7 customer service, quick, digital claim settlement with zero paperwork, and the confidence to focus on your home and your family first.
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Key Takeaways
The IndusInd Bharat Griha Raksha Policy is a standard home insurance plan designed to protect your house and belongings against common risks like fire, floods, cyclones, earthquakes and other listed risks. It offers simple, transparent coverage with no hidden complexity, making it easy for homeowners to understand and use.
The policy covers your home building for up to 10 years, along with home contents and additional structures like garages, compound walls and water tanks. You also get automatic coverage for general contents, an annual 10% increase* in building sum insured, and no deductible, except for terrorism-related claims.
With rising climate-related incidents in India and increasing reconstruction costs, having an IndusInd Bharat Griha Raksha Policy (previously known as Reliance Bharat Griha Raksha Policy) helps reduce financial stress after unexpected damage. With us, you also benefit from 24/7 customer service, quick, digital claim settlement with zero paperwork, and the confidence to focus on your home and your family first.
Download our IndusInd General Insurance App now!