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What is Bharat Griha Raksha Policy?

  • It covers your building and home against loss, damage and destruction
  • Griha Raksha Policy also covers contents, articles or things which belong to your home.Contents like television, refrigerator, furniture and other household articles are covered
  • Optional covers which are available include – cover for valuable contents and personal accident cover for insured and spouse

Who needs Bharat Griha Raksha Policy?

  • Housing Societies
  • Property owners
  • Renters

Why you should Buy ICICI Lombard’s Bharat Griha Raksha Policy?

One of the leading General Insurance Company with following strengths:


Expertise in risk minimization and mitigation


Special value added services team dedicated for risk advisory and safety installations


Speedy claims settlement with single documentation


Financial strength and supreme claims paying capacity to settle claims of upto Rs 5 Lakhs by MSMEs within 10 days.

Why do you need Bharat Griha Raksha Policy?

It covers your society, home against any loss, damage and destruction. The coverage also includes home contents and articles which belong to your home.

Optional covers include cover for valuables, contents and personal accident cover for insured and spouse.


What is covered by ICICI Bharat Griha Raksha Policy?

Below are the detailed inclusions and exclusions of Bharat Griha Raksha:

  • Burning of Insured Property by any order of Public authority
  • War, invasion, war-like operations
  • Ionising radiation or contamination by radioactivity
  • Pollution or contamination
  • Loss of earning, loss by delay, consequential loss
  • Deliberate, wilful or intentional act or omission
  • Loss, destruction or damage to insured property by undergoing any heating, drying process or centrifugal Forces
  • Short circuiting, arcing, self- heating or leakage of electricity from whatever cause (lightning included)
  • Reduction in market value
  • Costs, fees, expenses for preparing any claim
  • Fire
  • Lightning
  • storm, cyclone, typhoon, tempest, hurricane, tornado, tsunami, flood and inundation
  • Forest fire, bush fire, jungle fire
  • Missile testing operations
  • Acts of terrorism
  • Bursting or overflowing of water tanks, apparatus and pipes
  • Theft within 7 days from the occurrence of and proximately caused by any of the above insured events
  • Explosion or Implosion
  • Earthquake
  • Subsidence of the land on which your home building stands, landslide, rockslide
  • Impact damage of any kind, i.e. damage caused by impact of, or collision caused by, any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.)
  • Riot, strike, malicious damages
  • Leakage from automatic sprinkler installations.

Get answers to common questions about Bharat Griha Rakhsha policy

How Building Sum insured is being calculated in ICICI Bharat Griha Raksha Policy product?

Building sum insured is calculated by considering Carpet area and Cost of Construction.
There is no sum insured capping for ICICI Bharat Griha Raksha Policy.
Yes. Housing Society is a Part of ICICI Bharat Griha Raksha Policy
Per se rating can be done in case of Dwelling and Shop in the same premise.
Yes you can avail for household articles.

What is the provision of Underinsurance waiver in this product?

There is no underinsurance applicable for ICICI Bharat Griha Raksha Policy.
As per IRDA Guidelines, Insured has to select the number of months and sum insured limits if the corresponding cover has been opted for.
  • You can buy cover for the building if you are its owner, authorised occupier, landlord, or tenant.
  • You can buy the cover if your home building is used for residence
  • If you carry on commercial activity by employing other persons, you cannot buy this policy but have to buy the appropriate policy.
  • You can buy cover for any item of article or thing if you are its owner, purchaser, or responsible for it.

The premium for the Insurance depends on:

  • The nature of insured property, viz. building, plant & machinery, stock etc.
  • The sum insured opted
  • The nature of the insured business and activity being carried
  • Claims experience past 3 years.
  • Various factors that define the risk profile of the enterprise
  • Cover for valuable contents on agreed value basis
  • Personal accident cover

The above covers are available at the payment of additional premium

  • Your deliberate, wilful or intentional act,
  • War, invasion, war-like operations,
  • Ionising radiation,
  • Property is missing or has been mislaid,
  • Consequential or indirect loss or damage,
  • Loss and damage to bullion or unset precious stones, manuscripts, vehicles and explosive substances,
  • Addition, extension, or alteration to your building more than 10% of its carpet area,
  • Costs, fees or expenses for preparing any claim.

(*Please refer to policy document for entire list of exclusions)


Whether Content and Building sum insured Bifurcation is required at the time of Policy issuance?

There is an automatic Cover for Home contents up to 20% of Home building sum insured subject to maximum 10 lakhs. However, if customer wants to cover more than 20% he has to specify sum insured of the building and the contents separately.
Escalation of 10% will be applicable on base sum insured every Year.
Example: Initial SI = 10,000,000
2nd Year SI = 10% of base SI 10,000,000+10,00,000 = 11,000,000
There is no sum insured capping for ICICI Bharat Griha Raksha Policy.
There is no sum insured capping for ICICI Bharat Griha Raksha Policy.
Policy is not on first loss basis, There are 2 scenarios-
  • In case, the insured do not declare content sum insured, 20% of building sum insured will be considered as content sum insured.
  • In case the insured declares the content sum insured, declared value of the content will be considered.
Yes, it is available on payment of additional premium.
Policy is not on first loss basis, There are 2 scenarios-
  • You can cancel this Policy at any time by giving us notice in writing. The policy will terminate when we receive your notice and premium will be refunded.
  • We will not cancel the policy during the policy period except on the grounds of mis-representation, non-disclosure of material facts, fraud or non-co-operation on your part.

  • (*Please refer to policy document for more wording)
Yes you can opt for contents cover under ICICI Bharat Griha Raksha Policy

How do I make a claim?

If you suffer a loss that is covered by this policy, you must make a claim. We will verify the claim and accept it if it is according to the terms and conditions of this policy. When you suffer loss to any Insured property because of an insured event, you must:
  • give notice to us immediately,
  • In case the insured declares the content sum insured, declared value of the content will be considered.
  • report to police, fire authorities and other appropriate legal authorities
  • take all reasonable steps to prevent further damage to insured property
  • preserve and collect evidence, take and preserve photographs,
  • assist us and our representatives in collecting evidence and details, give us all information, books of accounts, and other documents etc,
  • submit claim form at the earliest opportunity but within 30 days from date you first notice the loss or damage.
In the event of the unfortunate death of the Insured during the policy period, the home building cover and the home contents cover that you have purchased will continue for the benefit of your legal representative/s during the policy period subject to all the terms and conditions of this policy.
We will need all information, books of accounts and other relevant documents for supporting claims
  • Contact ICICI Lombard on their toll free no. 1800-2666
  • OR

  • You can Click Here visit our website at below link to intimate claim, submit the documents and track your claim.
  • Walk in to the nearest branch of ICICI Lombard General Insurance Company Ltd the details of which are also available on our website
Product Name: ICICI Bharat Griha Raksha Product UIN: IRDAN115RP0005V01202021

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