the insurer's premium home insurance — built on the BGRP standard but with 14 optional covers to build your own package. Accidental damage, EMI protection, utility expense, pet insurance, tenant liability, electrical clause, loss of key. Up to 20 years. Your home. Your choice.
the insurer's Premium Home Insurance· Built on BGRP Standard
The Bharat Griha Raksha Plus Policy (BGRP+) is Probitas Insurance Brokers's enhanced home insurance product — built on the same base as the IRDAI-standardised BGRP but with a significantly richer menu of 14 optional covers that let you build a fully customised home protection package. Unlike the standard BGRP, BGRP+ is the insurer's own premium product.
Unlike the standard Bharat Griha Raksha Policy (which includes terrorism as a mandatory in-built peril at no extra premium), the Bharat Griha Raksha Plus Policy treats terrorism as Optional Cover I — requiring additional premium to activate.
If you live in an urban area, a densely populated locality, or near a commercial/public zone and want terrorism cover: SELECT OPTIONAL COVER I when buying BGRP+. If you are switching from standard BGRP to BGRP+ and assumed terrorism would still be in-built — it is NOT. Always confirm this with your broker on 022 4302 0000.
Choose any combination of 14 optional covers at additional premium. From terrorism and accidental damage to EMI protection, pet insurance, and loss of key — BGRP+ is the most customisable home insurance product offered through Probitas Insurance Brokers.
The most customisable home insurance in the insurer's portfolio — choose only what you need
Mix and MatchCovers TV falling off wall, laptop dropped, DG Set damaged — accidents the base policy misses
Cover VII — Unique to BGRP+Pays your home loan EMI for 3 or 6 months while the home is being repaired
Cover IX — Financially InnovativeCompensation if an insured peril kills your pet — the most emotionally resonant cover
Cover XIII — Unique to BGRP+Legal liability to landlord + key replacement, locksmith, lock repair — practical everyday covers
Covers XII & XIVDouble BGRP's 10-year maximum; ideal for 15–20 year home loan tenures with no renewal gap
Longest Home Insurance TermStandard Base Coverage
BGRP+ covers the same residential building and home contents as the standard BGRP — on the same reinstatement value basis. The 13 base perils are in-built; terrorism must be added as Optional Cover I.
The 13 base perils below do NOT include terrorism. To cover terrorism damage to your home, select Optional Cover I (Acts of Terrorism) at additional premium when purchasing BGRP+.
BGRP+ does NOT cover standalone burglary. Theft is covered when it occurs within 7 days of one of the 13 insured events above. Example: thief takes advantage of fire damage and carries away your TV during/after the fire event — this theft IS covered.
BGRP+ can be taken for up to 20 years — double the standard BGRP's 10-year maximum. For home loan borrowers with 15–20 year tenures, BGRP+ offers a single policy for the entire loan duration.
Building SI auto-escalates at 10% per annum:
→ Annual policy: SI increases by 1/365th of 10% per day automatically
→ Multi-year policy: 10% per year up to a maximum of 200% of the original SI (e.g. ₹30L building insured today becomes ₹60L at year-10, ₹96.7L at year-20 cap)
BGRP+ retains the same consumer-friendly Waiver of Underinsurance as standard BGRP:
SI: ₹60L; Actual: ₹80L; Claim: ₹20L
Paid: ₹15L only (reduced proportionally)
SI: ₹60L; Actual: ₹80L; Claim: ₹20L
Paid: ₹20L FULL — no proportional deduction
Build Your Own Protection Package
Click each cover card to toggle it on or off. Build your personalised BGRP+ protection package. Your selected covers will be reflected in the Get Quote form. Call 022 4302 0000 for a recommendation.
Call 022 4302 0000 for your personalised optional cover recommendation based on your property type, location, and home loan status.
The Covers That Make BGRP+ Worth the Plus
These 4 optional covers are unique to BGRP+ and address real everyday needs that the standard BGRP completely misses. Each one has a compelling reason to add it.
Your TV falls off the wall bracket and shatters — accidental damage, not covered by standard BGRP's named fire/flood perils. Your child drops your laptop — accidental. Your DG Set is damaged by power surge — accidental. Your in-house lift malfunctions — accidental damage.
BGRP+ Optional Cover VII covers ACCIDENTAL DAMAGE — external or internal — to all general home contents, DG Sets, pump sets, portable solar panels, and in-house lifts.
This is the most commonly-opted cover in BGRP+ because it covers the everyday accidents that the base policy — and standard BGRP — cannot reach.
When your home is severely damaged by fire or flood and you have to move into rented accommodation for 3–6 months while repairs happen — your home loan EMI keeps arriving every month. You're paying rent AND EMI simultaneously.
BGRP+ EMI Protection covers your home loan EMI for 3 or 6 months (as opted at inception) while you're displaced for repairs. The current EMI due to your bank/NBFC financier is paid directly.
No other home insurance product in the BGRP family — standard or otherwise — covers this financial double-jeopardy. For any home loan borrower, this is the single most financially important optional cover available under BGRP+.
If your cooking causes a kitchen fire in your rented flat — the landlord can hold you legally liable for the cost of repairing their property. If your bathroom overflow damages the flat below — legal liability again. These are real scenarios that play out in India's rental market every monsoon.
BGRP+ Tenant Liability covers up to ₹7,50,000 in legal liability to your landlord OR surrounding third-party property.
For tenants, this optional cover is as important as the standard contents cover — and it is the ONLY product in this entire series to cover a tenant's legal liability to their landlord.
Standard fire insurance covers fire that comes FROM outside and damages your appliances. It typically does NOT cover fire caused BY an appliance's own internal electrical fault.
A short circuit in your AC that starts a bedroom fire — the AC's own fault. A refrigerator overheating and burning — self-heating exclusion. Electrical arcing in your switchboard — typically excluded from standard fire.
BGRP+ Electrical Clause covers fire damage arising from overrunning, excessive pressure, short circuit, arcing, self-heating, or electrical leakage — up to ₹1,00,000. Essential for older homes with ageing wiring and appliances.
How it works: When an insured event damages your home to the extent that repairs are needed and you are displaced, BGRP+ pays your home loan Equated Monthly Instalment (EMI) to your financier (bank/NBFC/HFC) for the opted period — 3 months or 6 months.
Who needs it most: Any homeowner with an outstanding home loan. In India, typical home loans are ₹30–₹80 lakh with EMIs of ₹25,000–₹80,000/month. If a kitchen fire repairs takes 4 months → ₹1–₹3.2 lakh in EMI paid by BGRP+.
Opt for 3 or 6 months at inception — 6 months is recommended for older homes or earthquake/flood-prone areas where repairs take longer. Add EMI amount and bank name in the Get Quote form.
Full Feature Comparison
| Feature | 🏠 Bharat Griha Raksha (BGRP) — Standard | 🏠✨ BGRP Plus — This Product |
|---|---|---|
| Product type | IRDAI mandated standard — all insurers must offer | the insurer's own enhanced premium product |
| Terrorism | IN-BUILT ✔ (no extra premium) | OPTIONAL — Cover I (extra premium) |
| Optional covers available | 2 (Valuable Contents + Personal Accident) | 14 OPTIONAL COVERS |
| Policy term | Up to 10 years | Up to 20 years |
| Accidental Damage (contents) | NOT covered | Cover VII ✔ |
| EMI Protection | NOT covered | Cover IX ✔ (3 or 6 months) |
| Utility Expense Cover | NOT covered | Cover X ✔ (up to ₹50,000 / 3 months) |
| Electrical Clause | NOT covered | Cover XI ✔ (up to ₹1,00,000) |
| Tenant Liability | NOT covered | Cover XII ✔ (up to ₹7,50,000) |
| Pet Insurance | NOT covered | Cover XIII ✔ |
| Loss of Key | NOT covered | Cover XIV ✔ (replacement + lockout + break-in) |
| Temporary Resettlement Expenses | NOT covered | Cover VIII ✔ (transit + brokerage + moving costs) |
| Professional / Architect fees | In-built (some interpretations) | Optional Cover II (5% of claim) |
| Debris Removal | In-built (some interpretations) | Optional Cover III (2% of claim) |
| Valuable Contents (Agreed Value) | Optional | Optional Cover V ✔ (same as BGRP) |
| Personal Accident (₹5L/person) | Optional | Optional Cover VI ✔ (same as BGRP) |
| Loss of Rent / Alt. Accommodation | Optional | Optional Cover IV ✔ (same as BGRP) |
| Auto SI Escalation | 10% p.a. | 10% p.a. — max 200% of original SI |
| Auto-Contents Cover | 20% of Building SI / max ₹10L | 20% of Building SI / max ₹10L (same) |
| Waiver of Underinsurance | Full waiver | Full waiver (same) |
| SI Basis | Reinstatement value (cost of construction) | Reinstatement value (same) |
Call 022 4302 0000 — our home insurance specialist will recommend the right product and the right combination of optional covers for your specific home, family, and loan situation.
Who Can Buy BGRP+
You own and live in the home. Building + Contents with accidental damage and EMI protection.
Plan C + Covers VII, IX, XIYou own but tenant lives in it. Protect the building structure; Loss of Rent vital.
Plan A + Cover IV (Loss of Rent)You rent the home. Insure your contents AND add Tenant Liability — essential for tenants.
Plan B + Cover XII (Tenant Liability)Bank requires home insurance. BGRP+ 20-year term aligns with your loan tenure + EMI Protection.
Plan C + Cover IX (EMI Protection)BGRP+ is exclusively for residential properties. If you carry on commercial activity by employing other persons in the building, you must purchase a separate commercial premises insurance for that part.
You MAY run a small home-based business personally without employing others and still qualify for BGRP+.
Example: You own a 3-floor house; employees work in a shop on the ground floor → BGRP+ covers only the residential upper floors. The shop floor needs a separate commercial insurance (BSUS or BLUS).
Standard BGRP offers a maximum 10-year policy. BGRP+ doubles this to 20 years. For home loan borrowers with 15–20 year loan tenures, this means:
→ One BGRP+ policy covers the entire loan period
→ No annual renewal risk — no coverage gap between renewals
→ Building SI auto-escalates 10% per year up to 200% of original SI
→ A ₹30L home insured today becomes ₹60L cover in Year 10
→ Single premium or flexible payment options available
Most banks accepting BGRP+ for PMAY and home loan insurance will accept a 20-year BGRP+ policy as meeting their insurance requirement.
How to File a Claim
Submit the claim form at the earliest opportunity but within 30 days from the date you first notice the loss or damage. For optional covers like Pet Insurance or Tenant Liability, notify immediately as these involve third parties (vet, landlord, neighbour) whose cooperation for documentation is time-sensitive.
If you opted Cover I (Acts of Terrorism), terrorism damage claims follow the GIC Re Terrorism Pool claims process — separate from the standard home insurance claim process. Excess is as per the GIC Terrorism Pool clause. Report to police immediately and call Probitas on 022 4302 0000 for guidance on the GIC Pool claim process.
Call 022 4302 0000 as soon as loss is noticed. Report to police and fire authorities as required. Terrorism: report immediately + GIC Pool process. Theft: Police FIR within 7 days of preceding event.
Photograph all damage. Preserve evidence. Do NOT carry out permanent repairs before surveyor inspection. Take all reasonable steps to prevent further damage and document those steps.
Insurer appoints licensed surveyor for claims above ₹75,000. Surveyor assesses damage on reinstatement basis. For optional covers: additional specific assessment (electrical, pet loss, tenant liability).
Claim Form, Policy, Photos, Surveyor report, Repair estimate, Police FIR (fire/theft/terrorism/RSMD), Bank details (NEFT). Per optional cover: EMI (loan statement + EMI schedule); Utility bills (actual bills); Pet (vet/death cert); Tenant Liability (legal notice from landlord/neighbour); Loss of Key (locksmith invoice/FIR).
BGRP+ settles at reinstatement value (building) and replacement cost (contents). Agreed value for valuable contents total loss. IRDAI TAT: 30 days from complete documents. When full SI paid for any item: cover for that item ends; proportionate premium can restore it.
Illustrative Claims — BGRP+ Unique Scenarios
| Parameter | Scenario 1 — Accidental Damage + EMI (Mumbai) | Scenario 2 — Electrical + Pet (Bengaluru) | Scenario 3 — Tenant: Key + Flood (Kochi) |
|---|---|---|---|
| Insured | Rahul & Priya Malhotra, 2BHK flat, Andheri, Mumbai | Deepa Krishnan, independent house, Whitefield, Bengaluru | Kavya Nair, tenant, Ernakulam, Kochi, Kerala |
| Policy | Plan C — Building + Contents Optional: VII (Accidental Damage) + IX (EMI 6M) + X (Utility) | Plan C Optional: XI (Electrical) + XIII (Pet) + XII (Tenant Liability) + II + III | Plan B — Contents Only (Tenant) Optional: XIV (Loss of Key) + VIII (Temp. Resettlement) + V (Valuable Contents ₹3L) |
| Home Loan | ₹35L outstanding; EMI ₹32,000/month | NIL | NIL (tenant) |
| Event | Kitchen fire damages building (4 months repairs); also: fridge short-circuits separately (accidental damage) | Faulty AC short-circuit → bedroom fire; 2 golden retrievers die; fire damages neighbour's balcony | Event 1: Keys lost — locksmith called. Event 2: Kerala floods — flat inundated; contents & jewellery damaged; Kavya moves out 2 months |
| Building / Contents Claim | Building: ₹6,00,000 Accidental (fridge): ₹28,000 | Building: ₹4,50,000 Electrical clause: ₹1,00,000 (max) | General contents: ₹95,000 |
| Optional Cover Claims | EMI Protection: ₹32,000 × 4 months = ₹1,28,000 Utility bills: ₹22,000 (3 months maintenance + electricity) | Pet insurance: ₹80,000 (2 retrievers) Tenant Liability: ₹1,20,000 (neighbour's balcony) Debris (2%): ₹9,000 Prof. fees (5%): ₹22,500 | Loss of Key: ₹4,050 (locksmith ₹850 + lock ₹3,200) Temp. Resettlement: ₹12,000 (transit ₹8,000 + brokerage ₹4,000) Jewellery (total loss): ₹1,80,000 |
| Total Paid | ₹7,78,000 | ₹7,81,500 | ₹2,91,050 |
| What standard BGRP would have paid | ₹6,00,000 only (no accidental damage, no EMI, no utility) | ₹4,50,000 only (no electrical, no pet, no tenant liability) | ₹95,000 + ₹1,80,000 (jewellery if opted) — no key, no resettlement expenses |
* Illustrative only. Actual claims subject to policy terms, surveyor assessment, and documentation. Optional cover claims require specific additional documentation as outlined in Claim Process. All claims subject to 30-day submission deadline.
Common Questions
Get a Quote — Bharat Griha Raksha Plus Policy
Fill in your home details and select the optional covers you need. Our home insurance specialist will contact you within one working day with a personalised BGRP+ quote.
By submitting, you agree to our Privacy Policy and Terms & Conditions. BGRP+ is the insurer's enhanced home insurance product. Coverage subject to policy wordings issued by the insurer.