The Bharat Griha Raksha Policy has emerged as a game-changer in the realm of home insurance in India. With its comprehensive coverage, financial security, and customizable plans, this policy has become a vital safety net for homeowners. As the saying goes, “home is where the heart is,” and protecting this cherished space is of utmost importance. The Bharat Griha Raksha Policy offers a robust solution by safeguarding your home and personal belongings against natural disasters, fire accidents, theft, and other perils. It provides protection and financial security to homeowners against various risks. With its extensive coverage and benefits, this policy has gained significant popularity among homeowners. At Cholamandalam Insurance, we encourage every home owner to explore the top five benefits of the Bharat Griha Raksha Policy and take time to understand how it can safeguard your most valuable asset.

Top five benefits of the Bharat Griha Raksha Policy

●  Comprehensive Coverage

The Bharat Griha Raksha Policy offers a wide range of coverage options, ensuring comprehensive protection for your home. It includes coverage against natural disasters such as earthquakes, floods, cyclones, and landslides. Additionally, it provides protection against fire accidents, burglary, and theft. The policy also covers any damage caused by riots, strikes, malicious acts, or terrorist activities. With such extensive coverage, homeowners can have peace of mind knowing that their property is safeguarded against various unforeseen events.

●  Financial Security

One of the primary benefits of the Bharat Griha Raksha Policy is the financial security it provides. In the event of any covered loss or damage to your home, the policy ensures that you receive the necessary funds to repair or rebuild your property. This can be particularly crucial during times of distress when the financial burden of repairing or reconstructing a damaged house can be overwhelming. The policy helps homeowners mitigate the financial risks associated with property damage and ensures a smooth recovery process.

Personal Belongings Protection

Apart from protecting the structure of your home, the Bharat Griha Raksha Policy also covers your personal belongings. This includes coverage for furniture, appliances, electronics, jewelry, and other valuable possessions. In the unfortunate event of a burglary or theft, the policy compensates you for the loss of these items. This aspect of the policy ensures that not only your property but also your personal belongings are protected, providing an added layer of security for homeowners.

Additional Living Expenses

In the event that your home becomes uninhabitable due to covered damage, the Bharat Griha Raksha Policy covers additional living expenses. This means that if you need to temporarily move to rented accommodation or a hotel, the policy will reimburse you for the incurred expenses. This feature is particularly beneficial during the period of reconstruction or repair, as it ensures that you and your family can continue with your daily lives without worrying about accommodation expenses.

●  Customizable Plans and Affordable Premiums

The Bharat Griha Raksha Policy offers customizable plans that can be tailored to meet your specific requirements. You have the flexibility to choose the coverage options and sum insured that align with the value of your property and personal belongings. Moreover, the premiums for the policy are affordable, making it accessible to a wide range of homeowners. With its flexible plans and competitive pricing, the Bharat Griha Raksha Policy provides an excellent balance between comprehensive coverage and cost-effectiveness.


The Bharat Griha Raksha Policy offers homeowners in India numerous benefits and serves as a vital shield against potential risks. With its comprehensive coverage, financial security, protection for personal belongings, coverage for additional living expenses, and customizable plans, this policy ensures peace of mind and safeguards your most valuable asset. Investing in the Bharat Griha Raksha Policy is a wise decision that provides long-term protection for your home and belongings.

Cholamandalam Insurance offers multiple options for home owners who want the security of coverage for their home. Do explore and find out which plan suits you best. Always make a decision only after evaluating the details of the policy and inclusions and exclusions.