Fire insurance

Fire & Burglary Insurance Policies

Comprehensive protection for your property against fire damage and theft

Fire Insurance

Burglary Insurance

Types of Fire Insurance Policies

1. Specific Policy

Covers property up to a fixed sum insured. Claim is limited to the insured amount, even if the loss is higher.

2. Valued Policy

Property value is pre-agreed at the time of taking the policy. Useful for art, antiques, and rare items.

3. Floating Policy

Covers stock at multiple locations under one sum insured. Ideal for businesses with multiple warehouses or godowns.

4. Declaration Policy

For businesses with changing stock values. Monthly declaration of stock value; premium adjusted accordingly.

5. Adjustable Policy

Similar to declaration policy, but sum insured is adjusted automatically based on stock.

6. Reinstatement Value Policy

Claim is paid on replacement cost (new for old), not depreciated value. Mostly used for buildings and machinery.

7. Comprehensive Policy

Covers fire + additional risks (like explosion, riot, earthquake, burglary, etc.) Also called All-Risk Policy.

Types of Burglary Insurance Policies

1. Burglary Insurance for Business Premises

Covers forcible or violent theft from shops, offices, or godowns. Includes loss of stock, furniture, fixtures, etc.

2. Burglary Insurance for Homes

Covers household items and valuables against theft, burglary, or housebreaking.

3. Cash-in-Safe Policy

Covers theft of cash kept in a locked safe inside the premises.

4. Cash-in-Transit Policy

Covers theft or robbery of cash while being carried between locations (like office to bank).

5. All Risks Policy (for portable items)

Covers loss or theft of valuable portable items (like jewelry, laptop, camera) even outside the premises.

🛡️ Why Our Insurance Stands Out

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Fire Damage Coverage

Full protection against fire, smoke, and water damage with fast claims processing and emergency support.

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Burglary Protection

Covers theft, vandalism, and forced entry damage with options for high-value item protection.

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24/7 Emergency Response

Immediate assistance when disaster strikes - we're available round the clock for your emergencies.

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Affordable Premiums

Competitive rates with flexible payment options and no hidden fees.

🔍 What's Covered Under Our Policy?

Structural damage from fire, smoke, and water used in firefighting
Theft of personal belongings, electronics, and valuables
Damage from forced entry (broken doors, windows, locks)
Temporary accommodation if your property becomes uninhabitable
Replacement of security features after a break-in
Electrical fire damage and lightning strikes
Vandalism and malicious damage
Professional cleaning after fire/smoke damage