Protect the places you've built.
Compare home, fire and industrial property insurance from our partner insurers. An advisor helps you value what you own and supports you at claim time.
- IRDAI Licence No. 1135Direct Broker (Life & General)
- [X]+ partner insurersCompare plans side by side
- Claim help from a real personWe follow up with the insurer and surveyor
- Talk to an advisorCall +91 84700 67555
What is property insurance?
Property insurance pays for loss of or damage to buildings, contents, stock and machinery from insured events such as fire, storm, flood or burglary.
The sum insured should reflect the value of what you're protecting. If you under-insure, the amount paid on a claim can be reduced.
Find the right planWhat's covered, and what isn't
Cover varies by plan. Always check the policy wording before you buy.
Usually covered
Up to your sum insured, subject to policy terms- Fire & lightningDamage to buildings and contents
- ExplosionIncluding implosion
- Storm & floodStorm, cyclone, flood, inundation
- EarthquakeWhere included or added
- Riot & malicious damageRiot, strike and malicious acts
- BurglaryFor contents, where included
Usually not covered
Common exclusions across most plans- Wear and tearGradual deterioration and upkeep
- War & nuclear risksStandard exclusions
- Wilful damageDamage you cause on purpose
- Unoccupied propertyBeyond the period the policy allows
- Loss of incomeUnless you add business interruption
- Undeclared valuablesJewellery or art not listed
Get covered in four steps
- 1Tell us what to coverTell us the property, its location and what's inside.
- 2Get quotesAn advisor collects the underwriting details and asks our partner insurers to quote.
- 3Share details & KYCAdd the details the insurer needs and complete KYC with your PAN.
- 4Get your policyYour advisor helps you finish, and the policy reaches your email.
How to make a claim
We help with every claim, from the first call to settlement.
Property claim
A surveyor assesses the loss before settlement- 1Tell the insurer, or us, as soon as possible; inform the police for theft or riot
- 2Take steps to stop further damage and keep damaged items
- 3A surveyor inspects the loss; share bills, photos and records
- 4The insurer settles the assessed amount as per the policy
Insure for the right value
If the sum insured is lower than the actual value, many policies pay claims in proportion. Review your values at every renewal.
An advisor can help you work out the right values.
Our general insurance partners
See all partners- ICICI Lombard
Products and availability vary by insurer.
Property insurance FAQs
What does fire insurance cover?
A standard fire and special perils policy covers fire, lightning, explosion, storm, flood, riot and other named perils. Covers such as earthquake and terrorism can often be added.
Does home insurance cover my belongings?
It can. Home policies can cover the building, the contents, or both. Choose the option that matches what you own.
Can I insure my home if I rent it?
Yes. Tenants can insure their own contents even though they don't own the building.
What is industrial all risk?
A package policy for large industrial sites that covers material damage from any cause not excluded, and can include business interruption.
How is the claim amount decided?
A surveyor assesses the loss. The insurer pays the assessed amount, less any excess, up to the sum insured and subject to the policy terms.
Related insurance
- Business insurance
- Engineering insurance
- Marine insurance
- Liability insurance
- Health insurance
- Motor insurance