{"id":6035,"date":"2024-09-27T05:07:26","date_gmt":"2024-09-27T05:07:26","guid":{"rendered":"https:\/\/riskbirbal.com\/blogs\/?page_id=6035"},"modified":"2026-03-17T11:37:02","modified_gmt":"2026-03-17T11:37:02","slug":"bharat-griha-raksha-policy","status":"publish","type":"post","link":"https:\/\/riskbirbal.com\/blogs\/bharat-griha-raksha-policy\/","title":{"rendered":"BHARAT GRIHA RAKSHA POLICY"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"6035\" class=\"elementor elementor-6035\">\n\t\t\t\t<div class=\"elementor-element elementor-element-96bd60a e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"96bd60a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3658d65 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"3658d65\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4715517 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"4715517\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c7d257e elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"c7d257e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/riskbirbal.com\/blogs\/bharat-griha-raksha-policy\/#BHARAT_GRIHA_RAKSHA_POLICY\" >BHARAT GRIHA RAKSHA POLICY<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/riskbirbal.com\/blogs\/bharat-griha-raksha-policy\/#Whats_Public_Liability_Insurance_Under_the_BHARAT_GRIHA_RAKSHA_POLICY\" >What\u2019s Public Liability Insurance Under the BHARAT GRIHA RAKSHA POLICY?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/riskbirbal.com\/blogs\/bharat-griha-raksha-policy\/#1_Standard_Fire_and_Allied_Perils\" >1. Standard Fire and Allied Perils<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/riskbirbal.com\/blogs\/bharat-griha-raksha-policy\/#2_Additional_Coverage_in_the_BHARAT_GRIHA_RAKSHA_POLICY\" >2. Additional Coverage in the BHARAT GRIHA RAKSHA POLICY<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/riskbirbal.com\/blogs\/bharat-griha-raksha-policy\/#_3_Home_Content_Coverage\" >\u00a03. Home Content Coverage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/riskbirbal.com\/blogs\/bharat-griha-raksha-policy\/#4_Exclusions\" >4. Exclusions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/riskbirbal.com\/blogs\/bharat-griha-raksha-policy\/#_5_Sum_Insured_and_Reinstatement_Value\" >\u00a05. Sum Insured and Reinstatement Value<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/riskbirbal.com\/blogs\/bharat-griha-raksha-policy\/#How_to_get_the_best_policy\" >How to get the best policy<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/riskbirbal.com\/blogs\/bharat-griha-raksha-policy\/#Find_a_specialized_industrial_insurance_policy_provider\" >Find a specialized industrial insurance policy provider<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/riskbirbal.com\/blogs\/bharat-griha-raksha-policy\/#Run_a_comparison_study\" >Run a comparison study<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/riskbirbal.com\/blogs\/bharat-griha-raksha-policy\/#Seek_professional_help\" >Seek professional help<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/riskbirbal.com\/blogs\/bharat-griha-raksha-policy\/#Read_the_terms_and_conditions_carefully\" >Read the terms and conditions carefully<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h1 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"BHARAT_GRIHA_RAKSHA_POLICY\"><\/span>BHARAT GRIHA RAKSHA POLICY<span class=\"ez-toc-section-end\"><\/span><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21546bf elementor-widget-tablet__width-initial elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"21546bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #1c1c1c; font-size: 18pt;\">The Bharat Griha Raksha Policy is your trusted shield against the uncertainties of homeownership.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c04721 elementor-widget elementor-widget-spacer\" data-id=\"2c04721\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fae9fe6 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"fae9fe6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4bcbaff e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"4bcbaff\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8babe1a elementor-widget-mobile__width-inherit elementor-widget elementor-widget-heading\" data-id=\"8babe1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Whats_Public_Liability_Insurance_Under_the_BHARAT_GRIHA_RAKSHA_POLICY\"><\/span> What\u2019s Public Liability Insurance Under the BHARAT GRIHA RAKSHA POLICY?<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7a3e30 elementor-widget elementor-widget-text-editor\" data-id=\"e7a3e30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #000000;\">The BHARAT GRIHA RAKSHA POLICY (BGRP) is a standardized home insurance policy in India introduced by the Insurance Regulatory and Development Authority of India (IRDAI). It provides coverage for residential properties against various risks. Here\u2019s an overview of the scope of coverage under this policy:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b3ba7fa e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"b3ba7fa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bc4c9c3 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"bc4c9c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span class=\"ez-toc-section\" id=\"1_Standard_Fire_and_Allied_Perils\"><\/span><span style=\"color: #000000;\">1. Standard Fire and Allied Perils<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3><p><span style=\"color: #000000;\"><strong>Fire:<\/strong> Covers loss or damage caused by fire, including damage resulting from lightning.<\/span><\/p><p><span style=\"color: #000000;\"><strong>Explosion\/Implosion:<\/strong> Includes damage caused by explosions or implosions.<\/span><\/p><p><span style=\"color: #000000;\"><strong>Aircraft Damage:<\/strong> Covers loss or damage caused by aircraft, other aerial or space devices, and articles dropped from them.<\/span><\/p><p><span style=\"color: #000000;\"><strong>Riot, Strike, and Malicious Damage:<\/strong> Provides coverage for damage due to riot, strike, or malicious acts.<\/span><\/p><p><span style=\"color: #000000;\"><strong>Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood, and Inundation:<\/strong> Covers damage from these natural calamities.<\/span><\/p><p><span style=\"color: #000000;\"><strong>Impact Damage:<\/strong> Covers damage caused by impact from any rail\/road vehicle or animal not belonging to or under the insured&#8217;s control.<\/span><\/p><p><span style=\"color: #000000;\"><strong>Subsidence and Landslide including Rockslide:<\/strong> Covers loss or damage caused by the subsidence of the land or landslides.<\/span><\/p><p><span style=\"color: #000000;\"><strong>Bursting or Overflowing of Water Tanks, Apparatus, and Pipes:<\/strong> Coverage for damage due to water overflow or bursting of tanks or pipes.<\/span><\/p><p><span style=\"color: #000000;\"><strong>Leakage from Automatic Sprinkler Installations:<\/strong> Covers damage from accidental leakage from sprinkler installations.<\/span><\/p><p><span style=\"color: #000000;\"><strong>Bush Fire:<\/strong> Covers loss or damage caused by a bush fire.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-756257d elementor-widget elementor-widget-text-editor\" data-id=\"756257d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span class=\"ez-toc-section\" id=\"2_Additional_Coverage_in_the_BHARAT_GRIHA_RAKSHA_POLICY\"><\/span><span style=\"color: #333333;\">2. Additional Coverage in the BHARAT GRIHA RAKSHA POLICY<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3><p><span style=\"color: #333333;\"><strong>Earthquake<\/strong>: Optional cover for damage caused by earthquakes.<\/span><\/p><p><span style=\"color: #333333;\"><strong>Architects, Surveyors, and Consulting Engineers Fees<\/strong>: Covers fees for professional services in case of a claim.<\/span><\/p><p><span style=\"color: #333333;\"><strong>Debris Removal<\/strong>: Covers the costs associated with removing debris after a covered loss.<\/span><\/p><p><span style=\"color: #333333;\"><strong>Start-up Expenses<\/strong>: Covers additional costs for re-starting the insured&#8217;s operations after a loss.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bd5aae elementor-widget elementor-widget-text-editor\" data-id=\"8bd5aae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span class=\"ez-toc-section\" id=\"_3_Home_Content_Coverage\"><\/span><span style=\"color: #333333;\">\u00a03. Home Content Coverage<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3><p><span style=\"color: #333333;\"><strong>Contents<\/strong>: Coverage for household contents (furniture, appliances, personal belongings) against risks covered under the policy.<\/span><\/p><p><span style=\"color: #333333;\"><strong>Valuable Items<\/strong>: Optional coverage can be added for valuables such as jewelry, art, and other high-value items.<\/span><\/p><p><span style=\"color: #333333;\"><strong>Alternative Accommodation<\/strong>: Covers the cost of renting a temporary residence if the insured property becomes uninhabitable due to a covered event.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05cbbcb elementor-widget elementor-widget-text-editor\" data-id=\"05cbbcb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span class=\"ez-toc-section\" id=\"4_Exclusions\"><\/span><span style=\"color: #000000;\">4. Exclusions<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3><p><span style=\"color: #000000;\">The policy has standard exclusions typical of home insurance, including:<\/span><\/p><p><span style=\"color: #000000;\">Loss or damage due to war, invasion, act of foreign enemy, hostilities, or civil war.<\/span><\/p><p><span style=\"color: #000000;\">Loss or damage due to nuclear risks.<\/span><\/p><p><span style=\"color: #000000;\">Wilful or intentional damage.<\/span><\/p><p><span style=\"color: #000000;\">Losses due to wear and tear or gradual deterioration.<\/span><\/p><p><span style=\"color: #000000;\">Pollution or contamination unless directly caused by a covered peril.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b97c0d elementor-widget elementor-widget-text-editor\" data-id=\"4b97c0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span class=\"ez-toc-section\" id=\"_5_Sum_Insured_and_Reinstatement_Value\"><\/span><span style=\"color: #000000;\">\u00a05. Sum Insured and Reinstatement Value<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3><p><span style=\"color: #000000;\">The sum insured should represent the reinstatement value of the property, i.e., the cost to replace or repair the insured property without depreciation.<\/span><\/p><p><span style=\"color: #000000;\">This policy provides comprehensive coverage for homeowners against a wide range of risks, ensuring financial protection in the event of damage or loss to their residential property.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-de827d0 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"de827d0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0b74301 elementor-widget elementor-widget-heading\" data-id=\"0b74301\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"How_to_get_the_best_policy\"><\/span>How to get the best policy<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9119b88 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"9119b88\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c4172c5 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"c4172c5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-598be01 elementor-view-stacked elementor-widget__width-auto elementor-widget-tablet__width-initial elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"598be01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-page_search\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\"><span class=\"ez-toc-section\" id=\"Find_a_specialized_industrial_insurance_policy_provider\"><\/span>\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tFind a specialized industrial insurance policy provider\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tYou must deal with specialists. Since specialized insurance companies that deal with BHARAT GRIHA RAKSHA POLICY\ncan give you a comprehensive solution. You need to search for one skilled insurance service provider.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5ff4d29 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"5ff4d29\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ac65728 elementor-view-stacked elementor-widget__width-auto elementor-widget-tablet__width-initial elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"ac65728\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-back_up\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\"><span class=\"ez-toc-section\" id=\"Run_a_comparison_study\"><\/span>\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tRun a comparison study\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t\n\n\nYou can find several sites offering you information about the various insurance providers, their policies and reviews. By running a comparison study, you can easily find an insurance company that is right for your needs and requirements.\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fb8bf28 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"fb8bf28\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53366a5 elementor-view-stacked elementor-widget__width-auto elementor-widget-tablet__width-initial elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"53366a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-headset\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\"><span class=\"ez-toc-section\" id=\"Seek_professional_help\"><\/span>\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSeek professional help\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIt would be advisable to find professional help to understand the policy, because, at times, it can be too technical for you to understand, and a person who is expert in the insurance business can help you in spotting the right kind of policy for your business. \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9de16f7 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"9de16f7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f60e92f elementor-view-stacked elementor-widget__width-auto elementor-widget-tablet__width-initial elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"f60e92f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-readme\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\"><span class=\"ez-toc-section\" id=\"Read_the_terms_and_conditions_carefully\"><\/span>\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tRead the terms and conditions carefully\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tYou should read the terms and conditions. For instance, you need to know about the social exclusions, the add-ons of the policy, and more. Hence, take out some time and read the terms and condition carefully before buying the insurance plan.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-336f448 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"336f448\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b7a684 elementor-widget elementor-widget-text-editor\" data-id=\"2b7a684\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #333333;\">Never let the business be vulnerable to the unpredictability of nature and happenings. You can keep everything under control by availing the best <strong>BHARAT GRIHA RAKSHA POLICY<\/strong> for your business and act with a sense of urgency when things go wrong without prior notice. So, stay safe.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>BHARAT GRIHA RAKSHA POLICY The Bharat Griha Raksha Policy is your trusted shield against the uncertainties of homeownership. What\u2019s Public Liability Insurance Under the BHARAT GRIHA RAKSHA POLICY? The BHARAT GRIHA RAKSHA POLICY (BGRP) is a standardized home insurance policy in India introduced by the Insurance Regulatory and Development Authority of India (IRDAI). It provides coverage for residential properties against various risks. Here\u2019s an overview of the scope of coverage under this policy: 1. Standard Fire and Allied Perils Fire: Covers loss or damage caused by fire, including damage resulting from lightning. Explosion\/Implosion: Includes damage caused by explosions or implosions. Aircraft Damage: Covers loss or damage caused by aircraft, other aerial or space devices, and articles dropped from them. Riot, Strike, and Malicious Damage: Provides coverage for damage due to riot, strike, or malicious acts. Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood, and Inundation: Covers damage from these natural calamities. Impact Damage: Covers damage caused by impact from any rail\/road vehicle or animal not belonging to or under the insured&#8217;s control. Subsidence and Landslide including Rockslide: Covers loss or damage caused by the subsidence of the land or landslides. Bursting or Overflowing of Water Tanks, Apparatus, and Pipes: Coverage for damage due to water overflow or bursting of tanks or pipes. Leakage from Automatic Sprinkler Installations: Covers damage from accidental leakage from sprinkler installations. Bush Fire: Covers loss or damage caused by a bush fire. 2. Additional Coverage in the BHARAT GRIHA RAKSHA POLICY Earthquake: Optional cover for damage caused by earthquakes. Architects, Surveyors, and Consulting Engineers Fees: Covers fees for professional services in case of a claim. Debris Removal: Covers the costs associated with removing debris after a covered loss. Start-up Expenses: Covers additional costs for re-starting the insured&#8217;s operations after a loss. \u00a03. Home Content Coverage Contents: Coverage for household contents (furniture, appliances, personal belongings) against risks covered under the policy. Valuable Items: Optional coverage can be added for valuables such as jewelry, art, and other high-value items. Alternative Accommodation: Covers the cost of renting a temporary residence if the insured property becomes uninhabitable due to a covered event. 4. Exclusions The policy has standard exclusions typical of home insurance, including: Loss or damage due to war, invasion, act of foreign enemy, hostilities, or civil war. Loss or damage due to nuclear risks. Wilful or intentional damage. Losses due to wear and tear or gradual deterioration. Pollution or contamination unless directly caused by a covered peril. \u00a05. Sum Insured and Reinstatement Value The sum insured should represent the reinstatement value of the property, i.e., the cost to replace or repair the insured property without depreciation. This policy provides comprehensive coverage for homeowners against a wide range of risks, ensuring financial protection in the event of damage or loss to their residential property. How to get the best policy Find a specialized industrial insurance policy provider You must deal with specialists. Since specialized insurance companies that deal with BHARAT GRIHA RAKSHA POLICY can give you a comprehensive solution. You need to search for one skilled insurance service provider. Run a comparison study You can find several sites offering you information about the various insurance providers, their policies and reviews. By running a comparison study, you can easily find an insurance company that is right for your needs and requirements. Seek professional help It would be advisable to find professional help to understand the policy, because, at times, it can be too technical for you to understand, and a person who is expert in the insurance business can help you in spotting the right kind of policy for your business. Read the terms and conditions carefully You should read the terms and conditions. For instance, you need to know about the social exclusions, the add-ons of the policy, and more. Hence, take out some time and read the terms and condition carefully before buying the insurance plan. Never let the business be vulnerable to the unpredictability of nature and happenings. You can keep everything under control by availing the best BHARAT GRIHA RAKSHA POLICY for your business and act with a sense of urgency when things go wrong without prior notice. So, stay safe.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[4],"tags":[],"class_list":["post-6035","post","type-post","status-publish","format-standard","hentry","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Buy Bharat Griha Raksha Policy Online<\/title>\n<meta name=\"description\" content=\"Secure your home with Bharat Griha Raksha Policy. Enjoy coverage for natural disasters, theft, and damages. Get your quote today!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/riskbirbal.com\/blogs\/bharat-griha-raksha-policy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Buy Bharat Griha Raksha Policy Online\" \/>\n<meta property=\"og:description\" content=\"Secure your home with Bharat Griha Raksha Policy. Enjoy coverage for natural disasters, theft, and damages. 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What\u2019s Public Liability Insurance Under the BHARAT GRIHA RAKSHA POLICY? The BHARAT GRIHA RAKSHA POLICY (BGRP) is a standardized home insurance policy in India introduced by the Insurance Regulatory and Development Authority of India (IRDAI). 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