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What is home insurance?

Home insurance, or property insurance, covers your residence against natural calamities. It’s natural to want the best for your home, because home is where the heart is. However, unforeseen risks can come knocking at any time. In the past few years, natural calamities like Uttarakhand flood, Amphan cyclone, Gujarat earthquake have come unannounced and caused irreparable damage to homes across India. Just one incident can cause a lot of damage to your house and its contents. Even if you live in a region that’s not prone to any natural disaster, your home may still be exposed to other risks. For example, faulty wiring and kitchen fires are unexpected threats to your abode..

That’s why having a home insurance policy is crucial to financial safety in the face of risks. ICICI Bharat Griha Raksha Policy acts as a safety net, covering your home and belongings. It comes with the promise of financial security and support, when you and your family need it the most.

What is home insurance?

Why should you buy ICICI Bharat Griha Raksha Policy?

Here are six benefits that our policy comes with.


Doesn’t let fire accidents burn a hole in your pocket

Our property insurance covers damages due to fire, explosions, implosions and bush fires.


Secures you against unexpected calamities

Your home is covered for natural calamities like earthquakes, floods, cyclones, storms and lightning with ICICI Bharat Griha Raksha Policy.


Protects your possessions from theft

Covers your home and contents like appliances, furniture, etc. against theft caused within 7 days of any insured event.


Doesn’t allow water damages stress you financially

Our property insurance policy offers protection against bursting or overflowing of water tanks, apparatus and pipes.


Secures your most treasured possessions

Keeps you at peace and protects your jewellery, silverware and works of art under the Cover for Valuable Contents add-on (available at a nominal additional premium).


Covers you and your spouse against loss of life

Our policy also covers death of the insured person and his/her spouse under the Personal Accident add-on (available at a nominal additional premium).

What are the different coverages under our ICICI Bharat Griha Raksha Policy?

Take a look and choose the one that suits your needs best.

Home building only

When you opt for a home building-only property insurance policy, you get covered for losses to the building itself, i.e. base foundation, walls and roof. If the construction is damaged due to any natural/man-made calamity listed under the policy, you can claim under this coverage.

Home contents only

When you opt for a home contents-only property insurance policy, you get covered for losses to your belongings like furniture and appliances etc. You can also protect your valuable jewellery under the Cover for Valuable Contents.

Home building & contents

When you opt for home insurance covering the building and its contents, your house structure and possessions are secured under the same Policy. You get comprehensive protection, which includes i) repair expenses in case of damage to the property/contents ii) reconstruction/repair costs in case of complete loss of property/contents.

Why should you buy home insurance online from ICICI Lombard?

Here are some of the benefits of insuring your home with us

PAN India survey network
In-house claims settlement
Surveyor assignment within 48 hours
Online claim intimation

ICICI Bharat Griha Raksha Policy is designed to offer extensive protection at an affordable rate. You can stay worry free with our long-term cover options,. Besides, we provide fast claims service, with one working day turnaround time for all claim-related queries. Once you’ve insured your home with our property insurance policy, you can put your claims-related concerns at rest.

Why should you buy home insurance online from ICICI Lombard?

What is covered by ICICI Bharat Griha Raksha Policy?

Here’s what’s covered under our policy:

  • Inclusions
  • Exclusions

What’s included:

  • Fire, explosion/implosion, lightning

  • Riot, malicious damage and terrorism

  • Storm, cyclone, typhoon, tempest, hurricane, tornado, flood, inundation and earthquake

  • Impact damage caused by an external object (e.g. vehicle, falling tree, etc.)

  • Bursting and/or overflowing of water tanks, apparatus and pipes

  • Theft caused within 7 days of any insured event

What’s not:

  • War, invasion, act of foreign enemy hostilities or war-like operations

  • Breach of law with criminal intent

  • Radioactive substances, toxic, explosives

  • Any kind of willful negligence or misconduct

Note: This is an indicative list of the policy exclusions. Please refer to the policy wordings for the complete list.

home insurance claim process

Claim calmly

It’s as easy as

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    Submit documents

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    Verify & Settle

Know more

Ratings and reviews

Product Product code UIN No.
ICICI Bharat Griha Raksha Policy 1015 IRDAN115RP0005V01202021

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