In addition to the core coverage offered by Bharat Griha Raksha, you can choose optional coverages (add-ons) by paying an additional premium. These optional covers enhance your protection and help bridge gaps that may not be covered under the basic policy.

1. Personal Accident Cover

Home insurance can be extended to include Personal Accident (PA) Cover for the policyholder and their spouse. This add-on provides financial compensation in case of death or permanent disability resulting from an insured peril that also causes loss or damage to your home building or contents. PA cover typically offers a fixed sum insured per person, often subject to policy terms and limits.

2. Valuable Contents Cover on Agreed Value Basis

While the basic policy includes home contents cover, it may not automatically cover high-value items such as jewellery, antiques, paintings, collectibles, silverware, and other valuable personal effects beyond a general contents limit.
With the Valuable Contents Cover add-on, these items are insured on an agreed value basis, meaning you and the insurer agree on their value at inception rather than on a market or depreciation basis at claim time. This helps ensure that you get fair settlement for valuable possessions when they are damaged or lost due to an insured peril.
To opt for this cover, you may need to provide a valuation certificate from a qualified appraiser, especially for items above specified thresholds.

3. Other Optional Add-Ons (Varies by Insurer)

Depending on the insurer issuing your Bharat Griha Raksha policy, you may also find additional optional covers designed to further strengthen protection, such as:

• Removal of Debris Cover: Pays for the reasonable cost of clearing debris after an insured claim event.
• Home Assistance Services: Some insurers offer services such as locksmith support or temporary help post-damage. (Subject to specific insurer offerings)

If you’d like help deciding which add-ons are right for you, insurancepe can assist with personalised recommendations and premium comparisons.

Note: The information provided herein is for general informational purposes only and is intended to serve as an illustrative guide. Specific document requirements, notification time frames, and procedural details may vary significantly between different insurers and policies. This summary is not intended to be comprehensive or a substitute for the actual policy wording. For precise and up-to-date information, please refer to your insurer’s official policy documents or contact them directly.