Fire Insurance — Home & Business Protection

Protect your home or business from fire, natural disasters, floods and allied perils. Essential coverage for property owners and businesses.

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What does fire insurance cover?

Fire and explosion, lightning, aircraft damage, riots and strikes, floods and inundation, earthquakes, storms and cyclones, and landslides are all typically covered under a Standard Fire and Special Perils policy. For homes, it covers the structure — contents require a separate home contents policy.

Who needs fire insurance?

Homeowners (especially those with a home loan — lenders often mandate it), businesses of all sizes, factories, warehouses and shops. The premium is very affordable relative to the value protected.

FAQ

FAQ

Is fire insurance mandatory?
Not legally for most homeowners, but banks usually require it as a condition for sanctioning a home loan.
Does fire insurance cover flooding?
Yes, standard fire policies in India include flood and inundation as allied perils.