House Insurance Fire & Special Perils Plan

The Bharat Griha Raksha insurance policy provides coverage to residential property’s structure and its contents. In content it will cover articles or things in the house against losses/ damage caused by Fire, Earthquake, Storm, Flood and other named perils.

This cover is for the structure of the insured’s house. Additional structures such as garage, verandah, domestic outhouses for residence, compound walls, retaining walls, parking space, solar panels, water tanks or residence, permanent fixtures and fittings and internal roads can also be covered. Note that Kutcha construction/ under construction property is out of scope for this policy.

Contents that are usually in any home i.e., furniture and fittings, television sets, telephones, electronic items, antennas, water storage equipment, air conditioners, kitchen equipment and other household items can be covered under Content cover.

Valuable Contents are jewellery, silverware, paintings, works of art, valuable carpets, antique items, curios, paintings. Some contents like bullion or unset precious stones, manuscripts, vehicles, explosive substances are exclusion under the policy.

Any homeowner or tenant is eligible to buy Bharat Griha Raksha policy. Please note for any BGR policy the insured must opt for either Home Structure OR Home Content OR Both.

BGR can be issued for one year or more than one year but not exceeding 10 years in case of Individual Home owners. For Co-operative Societies or Homes in the name of non-individuals the policy tenure cannot exceed 1 year.

Yes, The Bharat Griha Raksha policy also pays for the following expenses:
• Upto 5% of the claim amount for reasonable fees of architect, surveyor, consulting engineer;
• Upto 2% of the claim amount for reasonable costs of removing debris from the site.
• Under BGR policy the insured also get coverage for Loss of Rent and Rent for Alternative Accommodation if the Home Building is not fit for living because of physical loss arising out of an Insured Event.
• Theft within 7 days from the occurrence of and proximately caused by any of the Insured Events.

While Bharat Griha Raksha not only provides insurance cover for Home Building, and/or Home Contents, it can also provide cover to Valuable Contents on Agreed Value Basis. Other add ons which can be included are as follows:
• Personal accident cover for Self and Spouse for an additional premium. Personal Accident Insurance cover provides complete financial protection to the insured members against accidental death caused by insured peril.
• Hardship Allowance- expenses incurred by the Insured towards emergency purchases of Food, Medicines, Clothes and Infants essential items
• Accidental Hospitalization of domestic Staff – Covers Hospitalization Accidental hospitalisation of domestic staff employed by the insured whilst on duty at the insured premises provided such hospitalisation is caused by due to an insured peril.

The policy covers physical loss or damage, or destruction caused to Insured Property by the following unforeseen events occurring during the Policy Period.
• Fire
• Explosion or Implosion
• Lightning
• Earthquake, volcanic eruption, or other like convulsions of nature
• Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation
• Subsidence of the land on which Your Home Building stands, Landslide, Rockslide etc.
• Bush fire, Forest Fire, Jungle Fire
• Riot, Strikes, Malicious Damages
• Leakage from automatic sprinkler installations
• Terrorism

Policy does not cover losses and expenses for any loss or damage or destruction of the Insured Property that is directly or indirectly a result of or is caused by or arising from events, stated below:
• Deliberate, wilful or intentional act or omission, or of anyone on insured's behalf, or with insured’s connivance.
• War, invasion, act of foreign enemy hostilities or war-like operations, etc.
• Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, or the radioactive, toxic, explosive, etc.
• Loss of any Insured Property which is missing or has been mislaid or its disappearance cannot be linked to any single identifiable event.
• Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.
• Costs, fees or expenses for preparing any claim.

The Premium for the Home Building Cover and the Home Contents Cover depends upon the amount of Sum Insured and various other factors that define the risk profile of Your Home Building and Home Contents.

You have some obligations to fulfil.
You must:
• state all and true information about Yourself and Your home and articles or things inside Your home when You submit a proposal,
• take care to prevent theft, loss or damage to Your Home Building and Home Contents, and − ensure that unauthorised persons do not occupy Your Home Building,
• make true and full disclosure in Your claim and documents supporting the claim,
• give Us full cooperation for inspection and investigating the claim that You will make,
• make a claim when You suffer loss, and follow the claim procedure,
• Inform us about the change in

• your address,
• any addition, alteration, extension to structure of Your Home Building,
• use of Your Home Building, (inform if you have let out your Home Building,
• Your Home Building no longer be solely occupied by You.

In case of Your death before receiving the claim amount, HDFC ERGO will pay it to Your Nominee/Legal Representatives. Please register Your nominee with Us so that the claim is settled speedily.

Your home is covered for the amount that will be required to rebuild it, calculated at the rate of prevailing cost of construction of Your home building at the policy commencement date. This is the Sum Insured for the building. Articles or things in Your home are covered for the amount that will be required to replace them. If Your home or articles or things in Your home are damaged, HDFC ERGO pay the amount You have spent on repairs. If Your home or articles or things are lost or completely destroyed, HDFC ERGO pay the Sum Insured for that item.

You can choose to make changes to the covers of this Policy as may be permitted. You must make a proposal or request for any change. It will be effective only after HDFC ERGO has accepted Your proposal, and You have paid the additional premium where applicable.

You can cancel this policy at any time during the policy period. HDFC ERGO will return part of the premium as per cancellation guidelines mentioned under BGR Policy wordings. In case a claim has already been paid for the given policy, no refund to be made for the given policy.

You can contact any agent of the company or an intermediary or other approved distribution channel. One can view all info regarding the product as well as purchase the product via our Our website. You may also connect with our call centre or contact our office near you for product related info or policy purchase.

This policy will expire on end of the Policy Period. If you wish to renew the Policy, You must apply for renewal before the end of the Policy Period and pay the required premium amount. Renewal of this policy is not automatic, HDFC ERGO may seek relevant information from You for the purpose of renewal.