Kshema Bharat Griha Raksha

A Kshema product
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The Kshema Bharat Griha Raksha policy is a comprehensive property insurance policy that protects your home building and its contents from losses due to unexpected events.

Protect your home and home content from:

Protect your home and home content from:

Policy Documents

Frequently Asked Questions

Your home is your sanctuary, a place where you feel safe and joyful. To preserve that
sense of security and happiness, it’s essential to protect it from unforeseen risks. Kshema Bharat Griha Raksha Policy offers comprehensive coverage for your home and its belongings, shielding them from unexpected and unfortunate events.

If you own the building, you can purchase the home building cover. Whether you’re a tenant or an owner, you also have the option to buy home contents cover for your belongings.

The policy should be for minimum 1 year and maximum 10 years.

Due to several reasons, the renewal of the Bharat Griha Raksha policy may be rejected:
• Wrong information about the insured building and contents of the home
• Not disclosing the material used in construction.
• Fraudulent activities
• Not cooperating with the insurer.

It is restricted to 10 years only

There are three types of coverages offered under the Kshema Bharat Griha Raksha
Policy:
• Building structure
• Valuable contents of the house
• Optional covers for portable contents

There is no specific age limit; the policy is available to all eligible property owners and
tenants.

Personal Accident Coverage is limited to the Insured and their spouse. In case of death of Insured and/or their spouse (after the occurrence of insured peril) – Rs 5 lakhs per person can be claimed from the insurance company.

If an accident occurs, you must promptly inform us by calling our 24-hour Customer Care on 1800 572 3013 or you can email us on customer.support@kshema.co, supply all required information and documentation, and adhere to the claims process detailed in your policy documents.

You must pay premium in advance. The insurance cover begins only after we receive Your premium.

The surveyors or representatives are appointed to inspect the loss or damage to Your Home Building and/or Home Contents, and to take measurements, samples, damaged items or parts, and photographs that are relevant.

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