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Chola - What is Home Package Griharaksha Policy Content

What is Home Package – Griharaksha Policy

When you have worked hard to make your house a home, shouldn't you take an extra step to make sure that both the house and the valuables within it are protected from misfortune? We, at Chola MS, bring you a product Home Package Policy that protect's your household contents against risks such as burglary, fire, breakdown of appliances, terrorism, earthquake, floods, storm and cyclones.

With Chola MS Home Package Policy, you can secure not just the house but all the valuables within it and your family. This way, you get not just one or even two, but three-fold protection.

Chola - Why choose Home package Griharaksha policy Content

Why choose Home package – Griharaksha Policy?

Comprehensive Cover

Offers cover for the structure of the home, valuable contents and family members against unforeseen, unfortunate events

Quick and easy process

We do not ask you for any additional documents or valuation certificates when you apply for or purchase the policy.

Hassle-free claims process

We keep it simple and convenient so that your time of crisis is not further burdened when seeking compensation

When you have flexibility, affordable premium rates and unmatched convenience, why would you look for any other option? We have simplified every step of the way, right from applying for a policy and completing the documentation, up to the closure of the claims process.

A house becomes a home only when it has your most treasured possessions and your family in it. It is natural to look for protection for all of these.

For the first time ever, Chola MS Home Package Policy offer comprehensive coverage for the building structure, the contents inside it, as well as for the family.

Home Package – GrihaRakshaPolicy - A smart and quick way to protect and safeguard your peaceful abode from such unexpected dangers.

The plan offers comprehensive coverage for the building structure, the contents inside it, as well as for the family.

Chola - What does Home Package – Griharaksha Policy Offer You Content

What does Home Package – GrihaRaksha policy offer you?

Policy covers insured iun respect to loss or damage to the property and contents due to Fire, Natural calamities and Manmade hazards

Burglary and Housebreaking

for Contents excluding Money and Valuables The Company covers the Insured in respect of loss or damage to the contents whilst contained in the insured premises stated in the schedule by Burglary and/or Housebreaking.

Personal Baggage

Covers the Insured in respect of loss of or damage to the Personal Baggage of the Insured and / or such other members of his family, anywhere in India, lost, destroyed or damaged by accident or misfortune

Home Utility Appliances

Covers the Insured against unforeseen and/or sudden physical damage caused by and/or solely due to Mechanical and/or Electrical breakdown and/or Accidental Damage of Home Utility Appliances, belonging to the insured whilst contained in or fixed at the Property insured

Home Appliances

Covers the Insured in respect of total or substantial loss or damage caused by and/or solely due to Mechanical breakdown of Home Appliances detailed in the schedule, belonging to the insured, whilst contained in or fixed at the Property insured

Plate Glass

Covers the Insured in respect of any Damage to fixed Plate Glass specified in the Schedule in the insured Property caused by accidental breakage

Jewellery and Other precious items(optional)

Covers the Insured or any member of the family as declared in the proposal in respect of loss of or damage to jewellery by Accident or Misfortune whilst anywhere in India


This section compensates the Insured against the total loss or destruction of any Garden maintained, cultivated, developed or nurtured by the Insured within the insured Property caused by Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation, Subsidence, Landslide or Rockslide

Pet Animal

This section compensates the Insured for the makes loss on account of death of a pedigreed pet animal belonging to the Insured, whilst in the insured Property or the immediate neighbourhood

Personal Accident cover

Only in case of permanent total disablement or death

Costs of Hospitalisation

Costs of Hospitalisation arising out of an accident

Public Liability

In respect of liability arising from accidents occurring during the period of insurance against all sums for which the insured shall become legally. Liable to pay for accident bodily injury to any person and accidental damage to property. And will, in addition pay insured’s cost and expenses and be responsible for all costs and expenses incurred with the return consent of the company in defending any claim such injury or damage.

Tenant Liability

In respect of liability arising from the perils stated in section I – building and section II – contents caused to the private residence building located as specified in the schedule which is rented and occupied by the insured occurring during the period of insurance for which the insured shall become legally liable to compensate the owner of the private residence building

Education benefit

Benefit for "loss of earning capability Covers -The legal heirs of the Insured towards costs incurred in connection with the education of Eligible children. The Immediate Family of the Insured towards loss of earning capability of the Specified Person in the event of death caused by Accident of the Insured.

Cost of conducting death ceremonies

Accident and related risks

We do not cover losses and expenses for any loss or damage or destruction of the Insured Property that is directly or indirectly as a result of or is caused by or arising from events, stated below:

Your deliberate, wilful or intentional act or ommission, or of anyone on Your behalf, or with Your connivance.

 War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared or not), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power.

Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component that is part of it.

Pollution or contamination, unless i. The pollution or contamination itself has resulted from an Insured Event, or ii. An Insured Event itself results from pollution or contamination.

Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self- heating or leakage of electricity from whatever cause (lightning included). This exclusion applies only to the particular machine so lost, damaged or destroyed.

Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the policy.

Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event.

Loss or damage to any Insured Property removed from Your Home to any other place.

Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.

Any reduction in market value of any Insured Property after its repair or reinstatement.

Any addition, extension, or alteration to any structure of Your Home Building that increases its Carpet Area by more than 10% of the Carpet Area existing at the Commencement Date or on the date of renewal of this Policy, unless You have paid additional premium and such addition, extension or alteration is added by Endorsement.

Costs, fees or expenses for preparing any claim

Chola - Modifying/Endorsing Your Insurance Details Content

Modifying/Endorsing your Insurance details

In case of change in name, address or any other details to changed/added to the policy, you can contact Chola MS for endorsement request. The request will be raised and the same changes will be updated in the policy.



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Hear from our Happy Customer

5.0 Stars Rating


Prahalath Vijay

09 September 2021

“Thanks Awesome Experience :)” Thanks awesome experience :) Easiest process


Shashank Avadhani

09 September 2021

It's a best experience to your team . we can easy touch with you . that's why i like your services



09 September 2021

I would like to appreciate customer support team for the quick service on claim settlement.


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09 September 2021

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09 September 2021

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09 September 2021

“thanks to the claim assistance team” Special thanks to the claim assistance team. They are cordial and patient. When I called them, they immediately set up an appointment for inspection and showed up. The claim process went smoothly. Overall a good car insurance product with addons.


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09 September 2021

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09 September 2021

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18 August 2021

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