20+
Insurer partners
1-3 yr
Policy terms available
100%
Paperless issuance
Fire and Burglary Insurance in India
Your property and stock are built on years of hard work.
DigiSafe compares fire and burglary insurance from 20+ IRDAI-approved insurers, covering buildings, stock, machinery, contents, theft, and natural calamities. Paperless, instant policies. Unbiased advice, always.
Why Choose DigiSafe for Fire and Burglary Insurance in India
Compare fire and burglary insurance from 20+ insurers
We help you compare plans from leading insurers, including HDFC ERGO, TATA AIG, ICICI Lombard, Bajaj General Insurance, New India Assurance, and 15+ others side by side.
Unbiased advice tailored to your property and business
As an IRDAI-licensed broker, DigiSafe recommends policies based on your property type, location, construction, stock value, business activity, and coverage needs, not insurer targets.
Complete support from quote to claim
From calculating the correct sum insured for your building and stock to policy issuance, renewals, and claim assistance, DigiSafe supports you throughout your entire insurance journey.
Designed for Every Kind of Property and Business Owner
Every property owner and business faces different fire and burglary risks depending on their assets, location, and operations. DigiSafe helps you compare the right policy for your situation.
Factory and Manufacturing Unit Owners
Protection for factories, machinery, stock, and production assets.
Warehousing and Storage Operators
Coverage for warehouses, stored goods, and theft-related losses.
Retail Shops and Trading Businesses
Protection for shop stock, fixtures, and business premises.
Commercial Office and IT Premises
Coverage for office equipment, furniture, and business assets.
Residential Property with Valuable Contents
Protection for valuables, electronics, and household contents.
Hospitality and Food Service Businesses
Coverage for hotels, restaurants, kitchens, and related assets.
What Affects Your Fire and Burglary Insurance Premium
Construction material
Safer construction materials generally attract lower insurance premiums.
Construction type
RCC homes cost less to insure than semi-pucca or kuccha homes.
Property age
Homes under 40 years old cost less to insure.
Sum insured
Calculated using carpet area and construction cost, not land value.
Add-ons chosen
Burglary, jewellery, and other riders increase premiums.
Policy term
3–10 year policies reduce effective annual premiums.
Three Types of Fire and Burglary Insurance Cover: Choose What Fits Your Situation
Every property and business has different protection needs. DigiSafe helps you compare the right type of cover across 20+ leading insurers in India.
The Standard Fire and Special Perils Policy is India's foundational commercial fire insurance product, covering buildings, plant, machinery, stock, and contents against fire, lightning, explosion, floods, storms, earthquakes, and allied named perils.
Standard Fire & Special Perils Policy
Burglary insurance covers loss or damage to stock, equipment, cash in a safe, and contents caused by forcible and violent entry into or exit from insured premises, with or without associated property damage.
Burglary & Housebreaking Insurance
Combined fire and burglary insurance protects against both fire and allied perils and theft-related risks under a single policy, simplifying administration and often reducing the total premium compared to two standalone covers.
Combined Fire & Burglary Insurance
What's Covered & What's Not: Inclusions and Exclusions at a Glance
The biggest mistake in fire and burglary insurance is assuming every cause of loss and every asset is automatically covered. Here is exactly what a standard policy includes and excludes.
What Fire and Burglary Insurance Covers | What It Does Not Cover |
|---|---|
Fire, explosion, implosion, and lightning | Intentional or wilful damage caused by the insured |
Floods, storms, cyclones, and inundation | War, invasion, nuclear and radioactive risks |
Earthquakes and subsidence | Normal wear and tear or gradual deterioration |
Riots, strikes, and malicious damage | Electrical short-circuiting of the specific machine affected |
Impact damage from falling trees, vehicles, and aircraft | Consequential losses and loss of profit, unless separately covered |
Burglary and housebreaking with evidence of forcible entry | Theft without visible signs of forcible entry into the premises |
Theft of stock, equipment, and cash from secured premises | Shoplifting or pilferage by employees or persons lawfully on premises |
Damage to property during a burglary event | Loss from premises left unoccupied beyond the defined policy period |
Debris removal costs following a fire loss | Pre-existing damage not disclosed at policy inception |
Optional terrorism cover for qualifying premises | Documents, currency, manuscripts, and securities |
How DigiSafe Helps You Buy Fire and Burglary Insurance
Our Process
Simple, paperless, and fully guided, from understanding your property and stock risks to receiving the right policy digitally.
Tell us about your premises location, construction type, occupancy, stock value, machinery, and security measures so our advisors can understand your exact coverage requirements.
Share your property and business details
01
We assess your building's reinstatement value, stock at cost, and contents replacement cost accurately, helping you avoid underinsurance, overpaying premiums, or choosing insufficient coverage for your actual asset exposure.
We calculate the right sum insured
02
Our advisors compare premiums, claim settlement records, coverage scope, and add-on options across 20+ insurers, completely unbiased and transparent.
We compare plans across insurers
03
Once you choose a plan, we handle policy issuance, renewal reminders, documentation, and claim coordination support whenever you need assistance following a fire or burglary incident.
You buy, we stay to support
04
Why Use DigiSafe Instead of Buying Fire and Burglary Insurance Directly
The premium you pay is identical whether you buy direct or through DigiSafe. What you get, however, is very different.
What Matters to You | Through DigiSafe | Direct from Insurer | Bank's Tied Product |
|---|---|---|---|
Multi-insurer comparison | ✓ 20+ insurers | ✗ 1 insurer | ✗ 1–2 tied products |
Unbiased recommendation | ✓ We represent you | ✗ Insurer's own interest | ✗ Bank's tied interest |
Correct sum insured calculation | ✓ Included in advisory | ~ Self-calculated | ✗ Often incorrect |
Claim coordination support | ✓ Full guidance | ~ Self-managed | ✗ Minimal |
Extra cost to you | ✓ Zero | ✓ Zero | ✗ Often overpriced |
Coverage gap analysis | ✓ Included | ✗ Not offered | ✗ Not offered |
Renewal reminders and review | ✓ Proactive | ~ Auto-renew only | ~ Varies |
Six Things to Get Right When Buying Fire and Burglary Insurance in India
The right fire and burglary insurance policy is not just about the lowest premium. DigiSafe helps property and business owners avoid common mistakes that lead to underinsurance and rejected claims.
Insure your building at reinstatement cost, not market value
Fire insurance should be based on the cost of rebuilding your structure at current construction rates, not the property's market value, which includes land and location appreciation entirely unrelated to the physical rebuild cost.
Insure stock at the cost price and update it regularly
Stock values fluctuate significantly with seasonal purchasing, production cycles, and inventory buildup. Underinsuring peak stock levels means your claim payout will not reflect your actual loss at the time of the incident.
Do not assume theft without forced entry is covered
Standard burglary insurance covers theft accompanied by visible signs of forcible entry or exit. Theft by employees, shoplifting, or losses where no forced entry can be established are typically excluded and require separate fidelity or crime covers.
Add business interruption cover if your income depends on your premises
A fire may be covered, but the months of lost revenue while your premises are being rebuilt are not, unless you specifically add a loss of profit or business interruption extension to your fire policy.
Check the insurer's survey and claim settlement process
Fire and burglary claims often involve a physical survey, loss assessment, and documentation review. An insurer with a transparent, well-defined claims process and experienced surveyors reduces the time and friction involved in claim settlement.
Disclose all occupancy activities and stored materials honestly
Storing hazardous materials, operating a secondary business activity from the same premises, or subletting portions of an insured property without disclosure are among the most common reasons fire and burglary claims are partially or fully repudiated.
Any Questions
Frequently asked questions
What is Fire and Burglary Insurance in India
Fire and burglary insurance protects properties, businesses, and their contents against financial losses caused by fire, explosion, lightning, burglary, theft, and related risks. A standard policy can cover buildings, structures, machinery, stock, furniture, equipment, and other valuable assets against unexpected damage or loss.
Despite fire and theft being among the most significant risks faced by businesses and property owners in India, insurance adoption remains relatively low. A single incident can result in substantial financial losses, business interruption, and costly asset replacement. Whether you own a factory, warehouse, retail store, office, or residential property with valuable contents, the right policy helps safeguard your assets and financial stability.
As an IRDAI-licensed broker, DigiSafe compares fire and burglary insurance plans from 20+ insurers to help you choose the right coverage for your property, business assets, and budget.