What is Fire Insurance?
Fire insurance is a protection plan that safeguards your home, shop, office, warehouse, factory, and other valuable properties against financial loss caused by fire and allied perils. It ensures your finances remain protected during unexpected fire-related damages.
Why Fire Insurance is Essential
- Covers repair and replacement costs
- Ensures business continuity after damage
- Often required legally for many businesses
- Builds investor and lender confidence
- Provides complete peace of mind
Who Should Buy Fire Insurance?
- Homeowners protecting residential property
- Shopkeepers and retailers
- Commercial establishments
- Factories and warehouses
- Landlords and property investors
Coverage Offered
- Fire and lightning
- Explosion or implosion
- Riot, strike, and malicious damage
- Aircraft damage
- Natural disasters (as add-on)
- Impact damage and water damage
- Business interruption
Exclusions
- Intentional damage
- War, nuclear and terrorism risks
- Wear and tear and faulty design
- Theft without fire
- Unoccupied property without disclosure
- Valuable papers and digital data
Types of Fire Insurance Policies
- Standard Fire and Special Perils Policy
- Industrial All Risk Policy
- Household Fire Insurance
- Commercial Fire Policy
- Warehouse and Storage Cover
Add-On Covers
- Earthquake and flood cover
- Debris removal costs
- Loss of rent and accommodation expenses
- Architect and consultant fees
- Deterioration of stock cover
- Sprinkler leakage cover
Claim Process
- Notify us immediately
- Surveyor appointment by insurer
- Submit required documents
- Claim verification
- Settlement as per policy terms
Why Choose Doorstep Bima?
- Compare multiple insurer plans
- Expert guidance and claim support
- Fast and transparent process
- No hidden charges
