Fire InsuranceBharat Griha Raksha

Griha

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Bharat Griha Raksha

Bharat Griha Raksha is a specialized home insurance product designed to protect Indian homes and their contents against various risks and perils. It offers comprehensive coverage and financial support to homeowners, ensuring peace of mind and security for their most valuable asset.

Key Features:

1. Comprehensive Coverage: Bharat Griha Raksha provides extensive coverage for residential properties, including coverage for the building structure, contents, and personal belongings.

2. Customized Plans: Policies offer flexible plan options to accommodate different types of homes, coverage needs, and budgets, allowing homeowners to tailor their insurance plans to suit their specific requirements.

3. Affordable Premiums: With competitive premium rates, Bharat Griha Raksha offers affordable coverage options for homeowners across India.

4. Value-Added Services: Some policies may include value-added services such as emergency assistance, home maintenance services, and legal assistance for homeowners.

Benefits:

1. Financial Protection: Bharat Griha Raksha provides financial protection against various risks, including fire, theft, natural disasters, and other covered perils, ensuring homeowners can repair or rebuild their homes without facing significant financial burden.

2. Peace of Mind: With comprehensive coverage in place, homeowners enjoy peace of mind knowing that their homes and belongings are protected against unforeseen events and disasters.

3. Additional Living Expenses: Coverage may include reimbursement for additional living expenses incurred while the home is undergoing repairs or reconstruction following a covered loss, such as temporary accommodation and meal costs.

4. Liability Coverage: Some policies may offer liability coverage, protecting homeowners against legal liabilities for accidents or injuries that occur on their property.

Eligibility Criteria:

1. Homeownership: Bharat Griha Raksha is available to homeowners who own residential properties in India.

2. Property Types: Eligible properties may include apartments, independent houses, villas, and other residential structures.

3. Occupancy Status: Properties may need to be occupied by the homeowner or used as a primary residence to be eligible for coverage. Coverages:

Add-Ons:

1. Homeownership: Bharat Griha Raksha is available to homeowners who own residential properties in India.

2. Property Types: Eligible properties may include apartments, independent houses, villas, and other residential structures.

3. Occupancy Status: Properties may need to be occupied by the homeowner or used as a primary residence to be eligible for coverage. Coverages:

Add-Ons:

1. Homeownership: Bharat Griha Raksha is available to homeowners who own residential properties in India.

2. Property Types: Eligible properties may include apartments, independent houses, villas, and other residential structures.

3. Occupancy Status: Properties may need to be occupied by the homeowner or used as a primary residence to be eligible for coverage. Coverages:

Exclusions:

1. Intentional Acts: Losses resulting from intentional acts, willful misconduct, or criminal activities of the insured are typically excluded from coverage.

2. Wear and Tear: Damage caused by gradual wear and tear, deterioration, or lack of maintenance is generally excluded from coverage.

3. Uninsurable Risks: Certain risks may be deemed uninsurable, such as acts of war, terrorism, nuclear incidents, or illegal activities.

Claim Process:

1. Notification: The policyholder must notify the insurance provider promptly in the event of a covered loss or damage to the insured property.

2. Documentation: Damage caused by gradual wear and tear, deterioration, or lack of maintenance is generally excluded from coverage.Damage caused by gradual wear and tear, deterioration, or lack of maintenance is generally excluded from coverage.

3. Assessment: The insurance provider assesses the claim, verifies the extent of the loss or damage, and may conduct investigations or inspections as necessary.

4. Settlement: Upon approval, the insurer settles the claim by providing reimbursement or direct payment for the covered loss in accordance with the terms and conditions of the policy.

Why Choose PrishaPolicy

5 Reasons why you should choose us to be your policy issuing partner of choice. Allow us to tell you why we are one of the fastest growing insurance brokers.

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A Decade of Market Leadership

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Rest assured that everything will be taken care of without a glitch. From shortlisting to claims processing & delivering promises without a hitch.

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Claims Assistance

Our DNA prompts - Sales is incomplete without timely support. From start to end, we facilitate smooth processing from lodging to settlement.

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Questions You Might Have

Why do I need to insure my building?

Your building may get damaged due to fire or other perils and the losses will not be covered by a general insurance policy. For that, you'll need a fire insurance that will cover the damages sustained by the building. Similarly, natural calamities also may wreak devastating losses, which can burn a hole in your pocket. Hence, to safeguard your property, you need fire insurance.

Can I cancel my policy in the middle of the policy tenure? Will the amount be refunded?

Yes, the insurance company will give you a pro-rated refund of premium. If there is any retention of premium or balance for a short period, it will be refunded.

Does fire insurance also offer coverage for jewellery, ornaments and artworks?

Usually, general fire insurance doesn't cover these items, unless discussed with the insurer while buying the policy. However, on special request and subject to valuation, these items can be covered under a policy.

What property insurance should I purchase if I own an SME?

There are various insurance plans offering coverage against risks such as fire, earthquakes, floods that cause damage to the building, unexpected breakdown of any machinery, damage to electronic equipment, workmen compensation, fidelity guarantee, cargo risks cover etc. You can select the Sum Insured for every category based on the insurance needs of the enterprise.

Does burglary insurance cover my household goods when I am away?

A burglary insurance policy covers you against the risk of theft. However, the policy will cease if the house remains unoccupied beyond a defined period unless the insurance company has been informed beforehand. In such cases, you will be covered only if the insurer agrees to extend the cover even if the house is empty. This is why it is important to clear everything at the time of buying the plan.

Am I eligible to claim a higher amount if opt for a higher value?

No. The correct claim amount is decided based on the current market value of your property and the basic Sum Insured. The compensation that is to be offered, in case of a loss, will be decided on whether the property is sufficiently insured or not. If you choose an excessive amount, it will mean excessive premium, while in case the amount is adequate, you'll get an amount is equal to the market value of the property. In both the cases, the offered claim amount will be the same.

How to handle a loss in case of a fire?

Despite all the precautions, you can't predict a calamity. Hence, you need to be calm in case any such situation arises. In case of a fire, inform the local fire brigade who will help you to put out the fire. If there is any loss of another person's property due to the fire or in an effort to douse it, the insurer shall compensate for the same.
Inform the insurer, cooperate with the supervisor at the time of loss assessment. You can also take photos of the loss if the surveyor takes a lot of time to arrive and shift all the unaffected assets to a safe place. Fill the claim form and submit it along with the documents supporting your claim. After the repair or replacement of damages, submit all the bills to the insurer.