Home Insurance for Chennai Homeowners & Tenants

Cover for the building, the contents, or both

Home insurance splits into the structure and what is inside it, and most underinsurance happens because one of the two is valued casually. Bharat Griha Raksha offers standardised cover for dwellings with an automatic contents option. We work out the right sum insured for reinstatement cost rather than market value, so a partial claim is not reduced for underinsurance.

Why flood cover decides a Chennai home claim

In Chennai the peril that most often decides a home insurance claim is water: the 2015 floods and Cyclone Michaung in December 2023 damaged ground-floor homes and their contents across Velachery, Pallikaranai and much of south Chennai. Bharat Griha Raksha covers flood and inundation as standard, but contents need their own sum insured and jewellery kept at home has to be declared separately. We check both before the policy is issued, not after a claim.

Home Insurance

In India generally no body considers exposures to Home as serious and takes Insurance protection. This is a very unfortunate thing.
After any major calamity like a Cyclone, Floods, Earthquake or Burglary hit a particular area, it is observed a small percentage people only has availed Home Insurance. Others find themselves in a precarious situation to mobilize funds to reset the lost ones.
To avoid such things it is suggested that everyone should have Home Insurance protecting all their assets at Home from the vagaries of nature and manmade.
SmarTech Tele callers and the website will help Individuals to find suitable solution for their exposure and avail Insurance protection comfortably sitting at Home.