Kshema Bharat Griha Raksha
A Kshema product
- Protect your Home Building / Flats & Home contents from Fire & Allied Perils.
- Opt to add personal accident coverage for yourself and your spouse
- Available to house/flat owners & tenants.
Protect your home and home content from:
- a. Automatic increase of 10% sum insured per annum for each policy anniversary.
- b. Restoration of Sum Insured in the event of claims throughout the policy period.
- c. Loss of Rent and Rent for Alternative Accommodation
- d. Option to include Valuable contents like Jwellery, Silverware,paintings,works of art,antique items, curios etc
Protect your home and home content from:
Fire
Subsidence & Landslide
Explosion/Implosion
Missile testing operations
Lightning
Earthquake
Riot & Strikes
Storm, Tsunami, Flood etc.
Theft (within 7 days) **
Impact damage
Acts of terrorism*
Bursting or overflowing
Bush Fire
Leakage from Automatic Sprinkler Installations
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.
No capping of the Sum Insured.
You can cancel your policy by mailing to customer.support@kshema.co or by calling at 1800 572 3013
No, it covers only Residential Buildings
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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