Fire and Burglary Insurance
Explore the purpose, policy options and common coverage areas within this insurance category.
7 solutions in this categoryStart with the role this cover can play.
Policy names can be technical. The useful question is what risk the cover is intended to address, what information insurers may need and which terms matter for your situation.
What this category is for
This category brings together insurance products designed around a related group of risks and protection needs.
Explore the policy library belowWhat to compare
Scope, exclusions, limits, deductibles, waiting periods, warranties and insurer-specific wording can materially change the protection.
What to prepare
The right information depends on the policy, but accurate exposure details usually help produce a more relevant insurance conversation.
7 options within Fire and Burglary Insurance.
Use these pages to understand the purpose of each policy and the areas worth discussing with an advisor. Final coverage depends on policy wording, schedule, limits, exclusions, terms and underwriting.
Bharat Griha Raksha Policy
This is a standardized home insurance policy mandated by IRDAI that provides protection to homeowners for their residential buildings and household contents against fire, natural calamities, and other specified perils.
Understand this policyBharat Sookshma Udyam Suraksha (BSUS) and Bharath Laghu Udyam Suraksha
Standardized fire insurance policies mandated by IRDAI for small (BLUS) and micro (BSUS) enterprises with asset value up to ₹5 crore and ₹50 crore respectively.
Understand this policyCommercial Package Policy / Business Guard
A modular insurance plan offering comprehensive protection for commercial establishments by combining fire, burglary, liability, and operational risks into one policy.
Understand this policyHouseholder’s Package Policy (HPP)
A comprehensive, customizable insurance policy that protects both the structure and contents of your home against multiple risks including fire, burglary, liability, and accidents.
Understand this policyIndustrial All Risk (IAR) and Mega Risk Insurance
All-inclusive insurance plans for large industrial undertakings, combining fire, burglary, accidental damage, machinery breakdown, and business interruption under one policy.
Understand this policyOffice Package Policy
A bundled insurance policy covering small and mid-sized office setups against fire, burglary, breakdowns, and liability risks under one plan.
Understand this policyStandard Fire and Special Perils Policy (SFSP)
A traditional property insurance policy that covers damage to business assets caused by fire and a wide range of specified natural and man-made perils.
Understand this policyDo not compare price without comparing protection.
The cheapest quotation is not automatically the most appropriate cover. Important differences can sit in wording, sub-limits, deductibles, exclusions, warranties and claim conditions.
Scope
What events, assets, people or liabilities are actually insured?
Limits
Where do sub-limits, deductibles or waiting periods change the usable protection?
Conditions
What warranties, declarations or information requirements affect cover?
Service
How will servicing, endorsements and claims coordination work after purchase?
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