fire-burglary-insurance

Fire and Burglary Insurance Protection

Fire and Burglary Insurance is a specialized policy that offers protection against loss or damage caused by unforeseen fire incidents or unlawful intrusions like theft and burglary. This insurance is vital for homeowners, shopkeepers, and business owners to secure their property, inventory, and valuable assets.

What Does the Policy Cover?

  • Loss or damage caused by accidental fire, lightning, or explosion
  • Compensation for loss due to burglary or attempted burglary
  • Coverage for damaged doors, locks, or windows during forced entry
  • Protection for both movable and immovable property (furniture, machinery, etc.)
  • Add-on options for natural disasters like earthquakes or floods

Who Should Buy This Insurance?

This policy is ideal for:

  • Shop owners and retail store managers
  • Warehouse and godown operators
  • Homeowners wanting to protect household valuables
  • Offices and commercial property owners

Key Benefits

  • Affordable premiums with high coverage
  • Quick claim settlement process
  • Comprehensive protection against major risks
  • Customizable policies for businesses
  • Fire safety and prevention consultation
  • Burglary risk assessment and support

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fire-burglary-insurance

Fire and Burglary Insurance – Frequently Asked Questions

Fire and Burglary Insurance is a combined policy that protects your property, assets, and inventory from damages or losses caused by fire, burglary, or attempted theft.

Shop owners, warehouse operators, small business owners, manufacturers, and homeowners with valuable possessions should consider this policy to mitigate risks.

The policy typically covers loss or damage due to fire, explosion, lightning, riots, strikes, and burglaries including forcible entry or exit into insured premises.

Common exclusions include loss due to war, nuclear risks, fraudulent activities by employees (unless specifically covered), wear and tear, and damages due to poor maintenance.

The premium depends on the type of business, value of stock and assets insured, location of premises, safety measures in place, and total sum insured.

Yes, partial damages to your property or goods due to fire are covered under the policy. The claim is processed after assessment by the insurance company’s surveyor.