Property Insurance for your Home, Shop and Business
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Buy Property Insurance Online for Home, Shop, Building, Office Space

Why is Property Insurance Important?

Read on...

India recorded 1.6 million fire accidents in 2021.(1)
Loss of Property
64% of people in India are not equipped to handle home safety threats. (2)
Fire Outbreak
Fire Outbreak is ranked as the 3rd biggest risk to business continuity and operations. (3)
Home Theft
70% of India’s Thefts are Home Thefts. (4)

What’s great about a Property Insurance by Digit?

  • Value for Money: Property Insurance is a big deal, after all its essential purpose is to cover for both your building and everything present in it! Therefore, you’ll see that property insurance premiums are usually high. However, we try our best to give you the best possible and most affordable premium to insure your property. 
  • Digital Friendly: Being one of India’s first online insurance companies, we try and keep all our processes, right from buying a property insurance to making claims, digital. So even when there’s an inspection required for property insurance claims, you can just do it online! (Except for claims above Rs 1 lakh. As per the IRDAI, those need to be done manually only)
  • Covers All Business Categories: Whether you want to protect your family business, kirana store or a chain of stores, our property insurance is suitable for all kinds of businesses, no matter how big or small. 
  • Plans for Renters: We understand that millennials today are increasingly choosing to rent and not necessarily own. That’s why, we also offer plans for renters that only cover for the things that YOU own.

What’s Covered in Property Insurance by Digit?



Protects your property and its contents from damages and losses caused due to fire!

Explosion & Implosion

Explosion & Implosion

Covers your property from any damages or losses caused due to an explosion or implosion.



For times when a storm storms into your property too! Covers for damages due to nature’s furies such as a dreadful storm, cyclone, hurricane, etc or even lightning.



Protects your property from losses and damages when the rains are out of control, leading to floods that could also impact your property.



Nobody can avoid nature’s furies, but a property insurance covers for damages and losses that occur due to natural calamities such as earthquakes, landslides, etc.

Impact Damage of any kind

Impact Damage of any kind

The policy also covers damage caused to the property or its contents because of any external physical object like vehicle, falling tree, etc.

Acts of terrorism

Acts of terrorism

If the insured property suffers damage due to any act of terrorism, the policy will cover you against the damages.

Riots, Strikes

Riots, Strikes

Loss or damage to property because of riots, strikes is also covered by a property insurance policy.

Our Property Insurance Offerings

Home Insurance

Home Insurance

A home insurance is designed to suit your home; whether it’s an apartment, villa or independent building; a home insurance helps you cover for your house and its contents from unforeseen circumstances such as fires, explosions, floods, storms, etc.

Business & Shop Insurance

Business & Shop Insurance

A business or shop insurance plan is designed to protect business related properties, such as kirana shops, boutiques, general stores, office premises, factories, and malls amongst others from potential damages and losses caused due to natural calamities, and fires. 

Types of Property Insurance Plans

At Digit, our insurance covers your property for fire and natural calamities such as floods and earthquakes through our Go Digit, Bharat Laghu Udyam Suraksha , Go Digit, Bharat Sookshma Udyam Suraksha and for Home, Go Digit,  Bharat Griha Raksha Policy. Since properties are always at a risk of burglary, we also cover burglary under a separate policy, Digit Burglary Insurance Policy. This way, your property is not only protected from damages and losses due to fires and natural calamities but also from burglary. For easy understanding, we have differentiated coverage options as below:

Option 1

Option 2

Option 3

Covers only the contents of your home or business.

Covers both your building and the contents of your home or business.

Covers only your building.

Who needs a Property Insurance?

Ideally, anyone who owns any type of property whether it’s the house you’re living in or the offices that are part of your business; a property insurance ensures one is protected from a large amount of damages and losses that could arise due to unforeseen circumstances such as any natural calamity, explosion, fire, or even a burglary! 

Home Owners

Whether it’s been your home for years, or is your newfound dream home, a house is anyone’s most precious possession. Thus, protecting it from circumstances out of your control is the least you can do to protect both your pocket and home.


Typically, people assume a property insurance is only dedicated for people who own properties. However, at Digit we provide property insurance policies for those who’ve rented homes or even, offices for their respective businesses. So, if you’re someone who falls into this category, a property insurance is designed for you too! 

Small Business Owners

Whether you run a small general store or a small boutique with customized fashion and handicrafts, Property Insurance policies offered by digit is suitable for all types of businesses. If you’re someone running an independent, small business, a property insurance policy would be vital to protect your business from any potential losses and risks.

Medium Business Owners

If you run a chain of general stores, restaurants or a medium sized enterprise; a property insurance is also suited for medium sized business owners to cover for any damages and losses that could be caused due to fire, explosion or natural calamities such as flood, storm and earthquake.

Large Enterprises

If you’re someone who owns multiple properties owing to the large operations of your business, a property insurance policy is vital in protecting not one but all your properties.

Types of Home Properties Covered

Individual Apartment

This is for those who live in independent flats that are either part of housing societies or standalone buildings. The same could be either a flat owned by you or rented by you. Our product is suitable for both!

Independent Building

Perhaps you and your extended family live in a standalone building, owning or renting flats in the entire building. In this case, you can choose to cover for them all with a property insurance policy by Digit.

Independent Villa

If you own or have rented an independent villa or house, a Property Insurance policy is vital to protect your villa and its contents from potential risks.

Types of Shop & Business Properties Covered

Mobile and Other Electronics

Businesses that primarily sell mobile phones, mobile accessories or other electronics. Stores like CromaOnePlusRedmi, etc are good examples of such properties. In such a case, a property insurance would help protect the store and its primary contents from potential losses and damages; one of the most common ones in this case being burglaries. 

Grocery and General Stores

From neighborhood kirana shops to your budget friendly supermarkets and general stores; all grocery stores and general stores too are covered for in a property insurance. Shops like Big BazaarStar Bazaar and Reliance Supermarkets are some common examples of the same. 

Offices and Educational Spaces

This category as part of our Property Insurance is designed to suit office premises and educational institutions such as colleges, schools, and coaching classes. Insuring such a property isn’t only vital to protect losses but, also give your employees or students more confidence towards your respective institution.

Home Repair Services

This category of businesses includes everything from carpentry and plumbing repairs to motor garages and engineering workshops.  

Personal Lifestyle and Fitness

From your favourite malls and clothing stores to spas, gyms and other stores; a Property Insurance policy offered by Digit also covers for all businesses in the personal lifestyle and fitness sector. 

Food and Eatables

The one place everyone devours! From cafes and food trucks to restaurant chains and bakeries; Property Insurance policies offered by Digit are well-suited for all kinds of eatery joints as well.


One of the most vital properties like hospitals, clinics, diagnostic centres and pharmacies are also covered under Property Insurance policies offered by Digit. 


Apart from the categories mentioned above, a property insurance policy by Digit is suitable for different types, nature and sizes of businesses. If you can’t find your category in the list, feel free to get in touch with us and we’ll help you out in selecting the best suited property insurance policy.

Know more about Property Insurance in India

FAQs about Property Insurance Policy in India