Home is a sanctuary of memories, happiness, cherished moments and not just a physical space. To fortify your heaven against the uncertainties let's understand the Bharat Griha Raksha Policy and the coverages this home insurance policy offers: 

Fire, Explosions, Implosions, Lightning - The Policy provides coverage for damages caused by fire, explosion/implosion, and lightning, ensuring your home is protected against these unforeseen events.

Storm, Cyclone, Flood, Inundation and Earthquake:

Natural disasters can strike at any moment, causing significant damage. The Bharat Griha Raksha Policy safeguards your home against these ravages of nature:

• Himalayan Floods: Recently, the Himalayan region experienced severe floods due to heavy rain, leading to flooding and landslides. In Manali, roads were swept away by the deluge, stranding tourists and their vehicles. This disaster resulted in extensive property damage and claimed the lives of 40 individuals. Such events underscore the importance of having flood coverage.

• Cyclone Amphan: In 2020, Cyclone Amphan wreaked havoc in West Bengal and Odisha, causing widespread flooding and property damage. The cyclone resulted in damages worth billions and a tragic loss of 98 lives. This policy covers your home against similar cyclonic events.

• Uttarakhand Floods: In 2021, Uttarakhand faced catastrophic floods, which resulted in massive infrastructure damage and the loss of over 200 lives. Protecting your home against such disasters is crucial.

• Chennai Floods 2015: The city of Chennai faced one of its worst natural disasters in December 2015 due to unprecedented rainfall. The flooding caused massive property damage, disrupting life for weeks, and resulting in the death of more than 500 people. This underscores the necessity of having flood insurance to protect your home.

• Chennai Floods 2023: Again in 2023, Chennai was hit by heavy rains, leading to severe flooding that caused extensive property damage and claimed the lives of 14 individuals. This event highlights the ongoing risk of floods in urban areas and the importance of home insurance coverage.

• Hyderabad Floods 2020: In October 2020, Hyderabad experienced devastating floods due to torrential rains, leading to substantial property damage and infrastructure collapse. The floods resulted in the loss of 50 lives and displaced thousands. This tragic event stresses the importance of having insurance coverage to safeguard against such unexpected natural disasters.

• Kerala Floods 2018: The 2018 Kerala floods were a catastrophic event caused by unusually high rainfall during the monsoon season. The floods led to severe property damage, affecting over a million people, and resulted in the tragic loss of 483 lives. Having robust home insurance is crucial to protect against such large-scale natural calamities.

• Cyclone Biparjoy 2023: In 2023, Cyclone Biparjoy struck the coastal regions of Gujarat and Maharashtra, causing widespread destruction. The cyclone resulted in significant property damage and the unfortunate loss of 45 lives. This event underscores the necessity of having cyclone coverage as part of your home insurance policy.

Burglary and Theft Coverage - This policy guards your Personal belongings against burglary and theft, providing a financial safety net in case of unauthorized entry. Your treasured possessions are secured, ensuring you sleep soundly.

Bursting and/or Overflowing of Water Tanks and Pipes - This includes coverage for damages resulting from bursting or overflowing water tanks and pipes, offering financial support for repairs in such situations. 

Impact Damage Caused by External Object - The policy covers impact damage caused by external objects such as Airplanes, Helicopters, Drones, flying debris or falling trees, ensuring your home remains secure

Temporary Accommodation Benefits - Displacement can be challenging, especially after an incident. This policy eases the burden by covering temporary accommodation expenses, ensuring that you and your family have a comfortable place to stay while your home is being restored.

Loss of Rent - In the event of your property becoming uninhabitable due to covered perils, the policy provides coverage for loss of rent, alleviating the financial impact during the restoration period

Terrorism Cover - Going the extra mile for your security, the policy incorporates terrorism cover, assuring that damages arising from acts of terrorism are included in the comprehensive protection provided for your home.