Property Insurance India 2026 — Home, Fire & Business Cover

Plan Types

Which Property Insurance Plan Do You Need?

Whether it's your home, shop, office or factory — there's a property cover built for it.

Property Insurance

All-round cover for any building or structure you own — residential, commercial or industrial. Protects against fire, natural disasters, theft and structural damage.

Home Insurance

Covers your house structure and contents — furniture, electronics, jewellery — against fire, burglary, earthquake, flood and other natural calamities.

Fire Insurance

Compensates for loss or damage to property caused by fire, lightning, explosion or smoke. A must-have for homes, shops, warehouses and factories.

Industrial All Risk Insurance

Comprehensive cover for large factories and plants — combines fire, machinery breakdown, business interruption and burglary into a single policy.

Office Package Insurance

An all-in-one policy for offices — covers building, furniture, computers, equipment, money in transit, and public liability under one premium.

Shopkeeper Insurance

Designed for retail shops and showrooms — protects your premises, stock, fixtures and fittings against fire, theft, riots and natural disasters.

Burglary Insurance

Reimburses loss of cash, stock or property due to burglary, housebreaking or theft involving forcible/violent entry into your home or business.

What's Covered

What Does Property Insurance Cover?

A standard property policy protects the structure and its contents from a wide range of risks.

Fire & Allied Perils

Fire, lightning, explosion, smoke damage and impact damage to the building and its contents.

Natural Calamities

Earthquake, flood, storm, cyclone, landslide and other acts of God covered as add-ons or built-in.

Burglary & Theft

Loss of cash, stock, equipment or valuables due to forcible entry, robbery or theft.

Machinery Breakdown

Repair or replacement cost of plant and machinery damaged due to mechanical or electrical failure.

Business Interruption

Loss of income/profit while your business is shut down for repairs after an insured event.

Public Liability

Legal costs and compensation if a third party is injured or their property is damaged on your premises.

FAQ

Frequently Asked Questions

Quick answers on property insurance in India.

Is property insurance mandatory in India?

It's not legally mandatory for individuals, but lenders typically require home insurance for a home loan, and businesses in high-risk zones often need it for compliance and to protect against catastrophic loss.

What is the difference between Fire Insurance and Home Insurance?

Fire insurance covers only fire and allied perils (lightning, explosion, smoke). Home insurance is broader — it bundles fire, burglary, natural calamities and contents cover into one policy.

Who needs Industrial All Risk Insurance?

Manufacturing units, factories and large industrial plants — it combines fire, machinery breakdown, business interruption and burglary cover into a single comprehensive policy.

Does Shopkeeper Insurance cover stock and inventory?

Yes — Shopkeeper Insurance covers your shop's building (if owned), fixtures, fittings, stock-in-trade and equipment against fire, burglary, riots and natural disasters.

How is the premium for property insurance calculated?

Premium depends on the sum insured (reconstruction value of the building plus value of contents), location, construction type, occupancy, and the add-on covers you choose.

Want to Know More About Property Insurance?

Tell us what you'd like to insure — home, shop, office or factory — and our team will get in touch with the right plan options. No paperwork, no spam.

Request More Information +91 99301 40305

Protect Your Home, Shop & Business — Against Fire, Theft & Disaster