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.

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₹2,500/yr

Starting premium

100+

Named perils covered

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₹2,500/yr

Starting premium

What is fire & burglary insurance?

Your home or shop is your biggest illiquid asset.

A Standard Fire and Special Perils (SFSP) policy covers structural damage from fire, lightning, explosion, flood, storm and earthquake, while a burglary add-on covers theft of contents through forcible entry.

Structure & natural calamity cover

Rebuild or repair cost for your home or business premises after fire, flood, earthquake or storm damage.

Contents cover

Furniture, appliances, electronics and jewellery insured against fire and burglary, up to declared value.

Burglary & theft protection

Loss from forcible and violent entry into insured premises — distinct from simple theft without forced entry.

Alternate accommodation

Select plans reimburse temporary rent if your home becomes uninhabitable after an insured event.

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).

Reinstatement value basis

Sum insured based on current construction/replacement cost, not original purchase price.

Business interruption add-on

For commercial policies — covers loss of income while premises are being repaired after an insured event.

Plate glass & signage cover

Optional add-ons for shop-front glass and signage, relevant for retail and commercial policyholders.

Coverage details

What's insured, and at what level.

Illustrative structure across residential and commercial variants.

Reinstatement value

Structure (residential)

Rebuild cost cover for fire and named perils.

Declared value basis

Contents

Furniture, appliances and electronics against fire & burglary.

Typically 10-25% of contents SI

Jewellery & valuables

Sub-limited unless separately scheduled and declared.

Custom, per risk survey

Commercial premises

Shops, offices, warehouses — structure + stock + equipment.

Claim process

From incident to reinstatement.

We coordinate the surveyor and documentation so you can focus on recovery.

Immediate notification

Inform the insurer and us within 24-48 hours; file a police complaint for burglary/theft claims.

Loss assessment

Insurer appoints a surveyor to assess structural and contents damage; we coordinate access and documentation.

Documentation

Repair estimates, purchase invoices for contents, and ownership proof compiled and submitted.

Settlement

Payout made per the surveyor's assessment, subject to policy terms and any applicable average clause.

Frequently asked

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.

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.