Structure (residential)
Rebuild cost cover for fire and named perils.
Range
Reinstatement value
General Insurance · Fire & Burglary
Fire & Burglary Insurance protect the asset you spent decades building.
Structure damage from fire, flood and earthquake, plus contents and burglary cover for your home or business premises — comprehensive property protection starting from ₹2,500/year.
₹2,500/yr
Starting premium
100+
Named perils covered
14
Insurers compared
Plan features
What's inside a modern property policy.
Structured to cover both the building and everything you've filled it with.
Building + contents split
Insure the structure and contents separately, or together, based on ownership (owner vs. tenant).
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Reinstatement value basis
Sum insured based on current construction/replacement cost, not original purchase price.
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Business interruption add-on
For commercial policies — covers loss of income while premises are being repaired after an insured event.
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Plate glass & signage cover
Optional add-ons for shop-front glass and signage, relevant for retail and commercial policyholders.
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Flexibility
Security
Long-term growth
Coverage details
What's insured, and at what level.
Illustrative structure across residential and commercial variants.
Contents
Furniture, appliances and electronics against fire & burglary.
Range
Declared value basis
Jewellery & valuables
Sub-limited unless separately scheduled and declared.
Range
Typically 10-25% of contents SI
Commercial premises
Shops, offices, warehouses — structure + stock + equipment.
Range
Custom, per risk survey
Claim process
From incident to reinstatement.
We coordinate the surveyor and documentation so you can focus on recovery.
Simple processHassle-free claims
01
01
Immediate notification
Inform the insurer and us within 24-48 hours; file a police complaint for burglary/theft claims.
02
02
Loss assessment
Insurer appoints a surveyor to assess structural and contents damage; we coordinate access and documentation.
03
03
Documentation
Repair estimates, purchase invoices for contents, and ownership proof compiled and submitted.
04
04
Settlement
Payout made per the surveyor's assessment, subject to policy terms and any applicable average clause.
FAQs
Frequently asked
questions.
Common questions, honestly answered.
In India, 'fire insurance' (formally a Standard Fire and Special Perils policy) is the core structure cover — homeowner's policies typically bundle this with contents, burglary and liability cover under one combined product, which is what we recommend for most residential clients.
It's included as a named peril in most standard SFSP policies today, but always confirm — some older or budget policies exclude it or require a specific add-on.
If your declared sum insured is lower than the actual rebuild/replacement cost, the insurer pays claims proportionately reduced — e.g., insured for 70% of actual value means only 70% of any claim is paid. Accurate valuation avoids this trap.
Up to a sub-limit (typically 10-25% of contents sum insured) unless you separately schedule high-value items by declared value — we recommend scheduling anything individually valuable.
Yes — tenants can insure their own contents (furniture, electronics, appliances) even though the structure is the landlord's responsibility to insure.
Most lenders require the mortgaged property to carry fire insurance for the loan tenure. We coordinate directly with your lender's requirements where applicable.
Clear answers. Better decisions.
Expert Guidance
Protect the asset you've spent years building.
Get a property risk assessment and same-week policy issuance for your home or business.
Disclaimer: Insurance is the subject matter of solicitation. Please read the policy wordings, including the average clause and exclusions, carefully before purchasing. Pingale Financial Services · IRDAI Corporate Broker License No. CB-XXXXXXX/XX/2024.