Insurance

General Bharat Griha Raksha

A standardised Bharat Griha Raksha home insurance product for residential buildings and contents.

Policy typeBharat Griha Raksha standard home insurance Policy term1 to 10 years Automatic contents cover20% of building sum insured, subject to a maximum of ₹10 lakh

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✓ Manually checked 23 Aug 2026 · active

SBI General Bharat Griha Raksha official banner

Offered byState Bank of India

India, subject to property and policy terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Policy typeBharat Griha Raksha standard home insuranceView source

General lists Bharat Griha Raksha as a standard home insurance product.

Source: General Bharat Griha Raksha
Page / section: Product overview
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

Key coverageBuilding structure and/or contents cover with automatic 10% annual escalation (up to 100% for policies longer than one year), restoration of sum insured after a claim subject to proportionate premium, architect/surveyor fees, debris removal, loss of rent or alternative accommodation and optional valuables cover.View source

The policy wording specifies automatic escalation, restoration of sum insured, and building/contents claim limits; the product page lists optional valuables, loss-of-rent and personal-accident covers.

Source: General Bharat Griha Raksha — policy wording
Page / section: Sum Insured; What We pay; policy benefits
Accessed: 8 Sept 2026
Confidence: high

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Policy term1 to 10 yearsView source

The official states the policy tenure is a minimum of 1 year and maximum of 10 years.

Source: General Bharat Griha Raksha
Page / section
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

Automatic contents cover20% of building sum insured, subject to a maximum of ₹10 lakhView source

The official benefits list automatic contents cover at 20% capped at ₹10 lakh.

Source: General Bharat Griha Raksha
Page / section: Key benefits
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

Optional personal accident cover₹5 lakh each for self and spouse arising out of fire and allied perilsView source

The official benefits list optional personal accident cover of ₹5 lakh each.

Source: General Bharat Griha Raksha
Page / section: Key benefits
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

Automatic sum-insured escalation10% for annual and long-term policiesView source

The official benefits list auto-escalation by 10%.

Source: General Bharat Griha Raksha
Page / section: Key benefits
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

DeductibleNo deductible applicableView source

The official benefits list states no deductible is applicable.

Source: General Bharat Griha Raksha
Page / section: Key benefits
Accessed: 23 Aug 2026
Confidence: high

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InsurerSBI General Insurance Company LimitedView source

General's official catalogue groups these products under Health, Motor and Other Insurance and identifies General as the insurer.

Source: General products
Page / section: General Products catalogue
Accessed: 23 Aug 2026
Confidence: high

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Sum insured / coverOnline quote offers building/contents sum-insured options from ₹5 lakh to ₹50 lakh. When both building and contents are selected, general contents are automatically covered at 20% of the building sum insured up to ₹10 lakh; optional personal-accident cover is ₹5 lakh each for the insured and spouse.View source

The official quote flow states sum-insured options from 5 Lakhs to 50 Lakhs; policy wording states contents cover at 20% of building sum insured subject to ₹10 Lakhs and optional personal-accident cover of ₹5 lakh each.

Source: Bharat Griha Raksha — General
Page / section: Sum Insured options; policy cover and optional personal accident
Accessed: 8 Sept 2026
Confidence: high

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Key exclusionsThe official page lists wilful or intentional acts, war or invasion, radioactive contamination, pollution or contamination, electrical short-circuiting/arcing/self-heating/leakage, loss of earnings or delay, consequential loss, reduction in market value and claim-preparation costs. The policy wording controls the complete list.View source

The official page labels the exclusions as illustrative and directs customers to the policy wording for the exhaustive list.

Source: Bharat Griha Raksha
Page / section: What's Not Covered — illustrative exclusions
Accessed: 26 Aug 2026
Confidence: high

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Covered perilsCovered perils listed by SBI General include fire, explosion or implosion, lightning, earthquake, storm/cyclone/typhoon/tempest/hurricane/tornado/tsunami/flood/inundation, subsidence or landslide/rockslide, forest or bush fire, impact damage, missile testing, riot/strike/malicious damage, terrorism, bursting or overflowing water tanks/pipes, sprinkler leakage and theft within 7 days caused by an insured event.View source

The official page lists the insured events and specifies that theft is covered when it occurs within 7 days of and is proximately caused by an insured event.

Source: Bharat Griha Raksha
Page / section: What's Covered — listed insured events
Accessed: 26 Aug 2026
Confidence: high

Open official source ↗

PremiumQuote-based; no universal premium amount is published on the reviewed official page. The payable premium depends on the selected building/contents cover and policy terms.View source

The live product page publishes cover, tenure and benefits but no fixed premium table or universal premium amount; the purchase flow is quote-based.

Source: General Bharat Griha Raksha — official product page
Page / section: Product overview and Policy Documents
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Geographic limitsBuilding structure and/or contents cover with automatic 10% annual escalation (up to 100% for policies longer than one year), restoration of sum insured after a claim subject to proportionate premium, architect/surveyor fees, debris removal, loss of rent or alternative accommodation and optional valuables cover.View source

The manually reviewed product record states: “Building structure and/or contents cover with automatic 10% annual escalation (up to 100% for policies longer than one year), restoration of sum insured after a claim subject to proportionate premium, architect/surveyor fees, debris removal, loss of rent or alternative accommodation and optional valuables cover.”.

Source: General Bharat Griha Raksha — official product page
Page / section: Published product metadata
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Standard home cover
Building and contents protection

Eligibility

Residential property in India

Passing a listed condition does not mean the bank will approve an application.

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Life-cover needs estimate

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Yearly household income to replaceThe income your family may need to replace.₹ten lakh rupees₹1,00,000₹1,00,00,000Years of income neededHow long your family may need that replacement income. years1 years30 yearsLoans still to be paidHome loans and other debts the cover may need to clear.₹twenty lakh rupees₹0₹5,00,00,000Cover and savings already availableExisting life cover and money already set aside for the family.₹five lakh rupees₹0₹5,00,00,000

Possible cover gap₹1,15,00,000one crore fifteen lakh rupees

Income your family may need₹1,00,00,000one crore rupees

Cover and savings already counted₹5,00,000five lakh rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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TableCover or benefit

Policy term · Published term1 to 10 years

This value is copied from Bharat Griha Raksha — published cover limits. Check the table notes before relying on it.

Source: Bharat Griha Raksha · Key Benefits — policy term and built-in covers Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 8 rows · 2 columnsBharat Griha Raksha — published cover limitsLimits and automatic benefits stated on SBI General's official product page.View tableHide table

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Bharat Griha Raksha — published cover limits
Cover or benefit	Published term
Policy term	1 to 10 years
Automatic home-contents cover	20% of building sum insured, up to ₹10 lakh
Personal accident — self	₹5 lakh
Personal accident — spouse	₹5 lakh
Architect/surveyor/consulting engineer fees	5% of claim amount
Removal of debris	2% of claim amount
Sum-insured escalation	10% for annual and long-term policies
Deductible	None applicable

Building and contents are on reinstatement/replacement value; valuable contents are on agreed value. The policy wording and schedule control the selected cover.

Bharat Griha Raksha · Key Benefits — policy term and built-in covers · accessed 26 Aug 2026Open official source ↗

Table 2 · 7 rows · 2 columnsBharat Griha Raksha — published cover optionsCover limits and policy mechanics from the official quote page and policy wording.View tableHide table

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Bharat Griha Raksha — published cover options
Cover item	Published detail
Online sum-insured options	₹5 lakh to ₹50 lakh
Automatic contents cover	20% of building sum insured, capped at ₹10 lakh when both covers are selected
Policy tenure	1 to 10 years
Automatic escalation	10% each year; up to 100% of commencement sum insured for policies over one year
Optional personal accident	₹5 lakh each for insured and spouse
Optional valuables	Available on agreed-value basis
Restoration	Sum insured restored after a claim subject to proportionate premium for the unexpired period

Premium is quote-based and depends on selected cover; the reviewed sources do not publish a universal premium or waiting-period amount.

Bharat Griha Raksha — General · Key Features; Sum Insured; policy wording · accessed 8 Sept 2026Open official source ↗

General Bharat Griha Raksha

What the official sources publish

Benefits and features

Eligibility

Related official documents

Try the numbers

Life-cover needs estimate

Find the exact published value

Complete rates, limits and schedules

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What the official sources publish

Benefits and features

Eligibility

Related official documents

Try the numbers

Life-cover needs estimate

Find the exact published value

Complete rates, limits and schedules

Related products

SBI General Arogya Top-Up Policy

SBI General Car Insurance

SBI General Cyber VaultEdge

SBI General Griha Raksha Plus

General Bharat Griha Raksha