Insurance

General Griha Raksha Plus

A home insurance policy for the building and contents, subject to selected sections, limits and exclusions.

Policy typeHome and property insurance Key coverageBuilding and household-content protection through selected policy sections; insured values, perils and exclusions are policy-specific Policy term1 to 20 years.

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✓ Manually checked 23 Aug 2026 · active

SBI General Griha Raksha Plus 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 typeHome and property insuranceView source

General lists Griha Raksha Plus under home insurance for protecting residential property and contents.

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

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Key coverageBuilding and household-content protection through selected policy sections; insured values, perils and exclusions are policy-specificView source

The official home-insurance page presents the policy sections and directs customers to policy wording for exact limits and exclusions.

Source: General Griha Raksha Plus
Page / section: Cover sections and policy terms
Accessed: 23 Aug 2026
Confidence: high

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Policy term1 to 20 years.View source

The current product page states the policy tenure ranges from one year up to twenty years.

Source: Griha Raksha Plus
Page / section: — policy tenure
Accessed: 27 Aug 2026
Confidence: high

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Optional covers14 optional covers: terrorism; architect/surveyor/consulting-engineer fees; debris removal; loss of rent/rent for alternative accommodation; valuable contents; personal accident; accidental damage to general contents; temporary resettlement; EMI protection; utility expenses; electrical/electrical-installation clause; tenant liability; pet insurance; and loss of key.View source

The official enumerates fourteen optional covers and notes terrorism requires additional premium.

Source: Griha Raksha Plus
Page / section: — optional covers
Accessed: 27 Aug 2026
Confidence: high

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Covered perilsFire, explosion/implosion, lightning, earthquake, storm/cyclone/flood, subsidence/landslide, forest fire, impact damage, riot/strike/malicious damage, water-tank overflow, sprinkler leakage and theft within 7 days of an insured eventView source

The official coverage section enumerates these covered perils.

Source: General Griha Raksha Plus
Page / section: What's Covered
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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Product codeUIN IRDAN144RP0014V01202223View source

The current General page and identify the product as IRDAN144RP0014V01202223.

Source: Griha Raksha Plus
Page / section: Product details
Accessed: 27 Aug 2026
Confidence: high

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Sum-insured basisHome building: the declared and accepted prevailing cost of construction at policy inception, shown in the schedule. Home contents: item/category replacement-cost values shown in the schedule. Annual policies escalate by 10% over the year; multi-year policies increase 10% each year, without extra premium, up to 200% of the inception sum insured.View source

The prospectus sets the building basis as prevailing construction cost and contents basis as declared replacement cost, and details the automatic 10% escalation with the 200% cap for multi-year cover.

Source: Griha Raksha Plus — Prospectus
Page / section: Sum Insured
Accessed: 27 Aug 2026
Confidence: high

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Who can buyBuilding cover: homeowner, purchaser under a sale agreement, tenant, licensee or owner's employee where responsible for insurance. Contents cover: owner of the articles or a person who bought them under instalment/hire purchase or lease. The home building must be used for residence.View source

General's current page separately lists building and contents eligibility, including homeowner, tenant and owner-of-contents cases.

Source: Griha Raksha Plus
Page / section: Who Can Buy This Policy?
Accessed: 27 Aug 2026
Confidence: high

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Key exclusionsThe official page lists deliberate/wilful acts, war-like operations, ionising radiation, pollution/contamination, missing or mislaid property, consequential/indirect loss, bullion/unset precious stones/manuscripts/vehicles/explosives, reduced market value after repair/reinstatement and claim-preparation costs. The wording controls the full list.View source

The live page presents the recorded exclusions as the indicative list and directs readers to the policy wording for full terms.

Source: Griha Raksha Plus
Page / section: What's Not Covered Under Griha Raksha Plus?
Accessed: 27 Aug 2026
Confidence: high

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

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

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

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Geographic limitsBuilding and household-content protection through selected policy sections; insured values, perils and exclusions are policy-specificView source

The manually reviewed product record states: “Building and household-content protection through selected policy sections; insured values, perils and exclusions are policy-specific”.

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

Open official source ↗

Benefits and features

Home building protection
Household contents protection

Eligibility

Residential property in India; insurer acceptance applies

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

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Life-cover needs estimate

See whether your current cover and savings may leave a gap for your family. This does not calculate an insurance premium.

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.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Area

Building cover · Published termDeclared/accepted prevailing construction cost at policy inception; reinstatement basis

This value is copied from Griha Raksha Plus — cover basis and choices. Check the table notes before relying on it.

Source: Griha Raksha Plus — official page and prospectus · Key benefits, and Sum Insured section 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 columnsGriha Raksha Plus — cover basis and choicesKey selection rules and optional covers published by SBI General. Monetary values are schedule-based, so the approved sum insured and premium come from the final policy schedule rather than a fixed public slab.View tableHide table

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Griha Raksha Plus — cover basis and choices
Area	Published term
Building cover	Declared/accepted prevailing construction cost at policy inception; reinstatement basis
Contents cover	Declared item/category replacement-cost values
Annual escalation	10% of inception sum insured across the policy year
Multi-year escalation	10% each year without extra premium, maximum 200% of initial sum insured
Policy duration	1–20 years
Base cover	Home building, home contents, or both
Built-in perils	Fire, explosion, lightning, natural calamities, impact, riot/strike/malicious damage, water-tank/pipes, sprinkler leakage and qualifying theft
Optional covers	14: terrorism; professional fees; debris; rent/alternative accommodation; valuables; personal accident; accidental contents damage; resettlement; ; utility; electrical; tenant liability; pet; loss of key

There is no underinsurance according to the current product page; the exact accepted values and premium remain in the policy schedule.
Optional covers require selection, and terrorism requires additional premium.

Griha Raksha Plus — official page and prospectus · Key benefits, and Sum Insured section · accessed 27 Aug 2026Open official source ↗

General Griha Raksha Plus

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

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SBI General Arogya Top-Up Policy

SBI General Bharat Griha Raksha

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