Every year thousands of houses are damaged and destroyed across India due to storms and torrential rains. With a policy like BGR, you get cover against such peril to help you reconstruct your home or cover the loss from the damages. Stay protected from the dangers much ahead of time.

Identified as a violent storm accompanied by wind, rain, hail and snow, tempests cause much damage to property and homes in the most destructive way. With BGR you are covered for such damages which will help you recover the damages incurred to your property to a great extent.

Every year India witnesses 2 to 4 topical cyclones or hurricanes impacting the east coast of the country affecting various states along the coastline causing considerable damage to life and property. BGR policy extends its coverage to help overcome the damages from such disasters.

According to the Disaster Management Division, Ministry of Home Affairs, around 365,770 houses were damaged in 2022 due to heavy rainfall and devastating floods. The losses to a common man can be huge. BGR covers damages due to floods to lessen your worries in the aftermath of a flood.

The 2004 tsunami rocked the world with its dance of destruction. Houses across the southern coastlines were washed out leading to an estimated loss of 2000 crores for the nation. BGR extends its coverage to safeguard your home and property from a natural disaster like a tsunami too.

According to the Global Climate Risk Index 2021 India was the seventh worst-hit country in 2019 due to extreme weather-related events like floods, earthquakes, etc.? Securing your home with a policy like BGR can lessen your worries if one strikes in your region.

From the year 2019 to 2023 around 10 deadly cyclones have hit various parts of India causing loss of life and property. With a home insurance policy like BGR you can be assured of protection to your home and property due to such a devastating peril.

Forest or bushfires also known as wildfires are uncontrolled fires that spread rapidly through urban or rural areas located near the affected sites causing much damage to life and property. BGR covers the damages caused due to the same to the insured property.

Any damage to your home or property due to man-made hazards like terrorist attacks, strikes, or vandalism is also covered under the BGR policy.

Damage to the insured home due to external activity like falling off a tree, hoarding or a lamp-post is covered under the BGR policy to help one cover the cost of resurrecting the property.

Loss or damage to the property due to water incidents like overflowing/bursting of water tanks and pipes are also covered under the BGR policy to help one deal with the losses due to such unfortunate events.

According to the National Crime Record Bureau, registered cases for offences against property in 2021 for theft were 5,86,649 followed by 97,792 burglaries. BGR policy extends its cover to help one overcome these losses due to theft & burglary as mentioned in the policy.

Bharat Griha Raksha is a long-term plan. Bharat Griha Raksha policy coverage can be continued for as long as 10 years.

Bharat Griha Raksha is not limited to homeowners only. Tenants can also invest in the policy to cover the valuable contents of their rented homes.

The Bharat Griha Raksha policy coverage includes a 20% sum insured (up to INR 10 lakhs) for the contents of the home. In case the listed contents get damaged, the repair cost is borne by the insurer, and if there is a theft, the policyholder receives the agreed compensation amount.

The value of homes keeps increasing due to rising construction costs every year. Hence, the sum insured by the Bharat Griha Raksha policy also increases by 10% every year without you having to increase the Bharat Griha Raksha policy premium.

Sometimes, it may happen that the agreed sum insured (calculated based on information provided by the homeowner) is less than the actual value of the contents or the home structure. In such a case, you need not worry. Your insurer will cover the differences in the amount.

The listed perils can sometimes also affect the lives of the policyholder and people living in the home. In such a case of peril, if the policyholder or his/her spouse dies, compensation of INR 5 lakhs is given to the nominee/family.

You can enjoy additional coverage for various portable and expensive contents of your home, like jewellery, electronics, paintings, etc