Fire Insurance for your Home, Shop and Business
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Get Fire Insurance Online for your Home, Shop, Office & Building

Not Sure Why Fire Insurance is Important?

Read on..

Fire outbreak is ranked as the 3rd biggest risk to business continuity and operations. (1)
The ADSI report shows residential buildings are most prone to fire outbreaks. (2)
Fire ranks 7th in the Risk Trend for 2022 according to the India Risk Survey. (3)
There is a 250% rise in fire incidents in India compared to 2022 (4)

Why Do You Need Fire Insurance?

Equipment Hazards

Equipment Hazards

Organizations and homes need fire insurance because combustible materials, electrical equipment, and culinary appliances can prove to be operational hazards that increase the possibility of a fire breaking out.

Ineffective Fire Safety

Ineffective Fire Safety

A fire can significantly impact the company, disrupt operations, cause physical premises damage and result in financial loss if there is ineffective safety management.

Chemical Damages

Chemical Damages

Fires caused by chemical-based incidents, and gas cylinder/stove bursts can cause harm to people and property, and cause revenue losses. To safeguard yourself and your property from these damages and losses, it is important to get fire insurance.

What’s Great About Fire Insurance by Digit?

  • Value for Money: Covering for property is a big deal. After all, there’s just so much at stake! Therefore, you’ll see that premiums for the same are usually high. However, we try our best to give you the best possible and most affordable premium to insure your property from fire and other potential damages.
  • Digital Friendly: Being one of India’s first digital insurance companies, we try and keep all our processes, right from buying a fire insurance to making claims, digital. So even when there’s an inspection required, you can just do it online! (Except for claims above Rs 1 lakh. As per the IRDAI (Insurance Regulatory and Development Authority)-those need to be done manually only.
  • Covers All Business Categories: Whether you want to protect your family business, office space, kirana store or a chain of stores, our fire insurance policy is suitable for all kinds of businesses, no matter how big or small they are.
  • 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. So, even you want to cover your rental apartment, you can do so!

What’s covered in Fire Insurance by Digit?

Our Property Insurance policy with Fire cover add-on covers for...


Explosion or Implosion

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



For times when a storm storms into your shop or home. Covers for damages due to nature’s furies such as a dreadful storm 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, what you can do is ensure you’re covered for any potential losses that could come your way. Bharat Laghu Udyam Suraksha, Go Digit Bharat Sookshma Udyam Suraksha and Go Digit, Bharat Griha Raksha also cover for damages and losses that occur due to natural calamities such as earthquake.

Types of Coverage

At Digit, our fire insurance is not an independent policy, is part of a complete coverage. This means, everything from fires, and natural calamities will be covered. Some of the types of coverage we offer are given 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 your only building.

Our Fire Insurance Offerings

  • Fire Insurance for your Home - Our fire insurance is a vital coverage included in our home insurance. So whether you have an apartment, villa or independent building; our home insurance will cover for not only damages and losses caused due to fire but will also cover for losses due to other unforeseen circumstances such as explosions, floods, and storms and other standard perils. 
  • Fire Insurance for your Business & Shop - Our fire insurance is also included in all business and shop insurance. This includes both small and large businesses and all shops, such as boutiques, office spaces, kirana stores, etc. This business and shop insurance won’t only cover for losses and damages caused due to fire but, will also cover for losses that could arise due to storms, earthquakes, floods, and other standard perils.

Why Choose Digit?

Super-Simple Claims

Super-Simple Claims

When you think about insurance, you think about claims. With us, when you file a claim, you can expect a smooth, easy and quick process not to delay loss any further and to serve you better.

Zero Documentation

Zero Documentation

Don’t worry about the paperwork in your insurance anymore! Now you can easily buy your home insurance and make claims without any hassle! (Note: Claims above 1 lakh need manual inspection as per IRDAI).

Affordable Premium

Affordable Premium

Did you hear? Our Home Insurance policy starts from ₹150/year*. We’ve made our policy super affordable to protect your home and its contents. After all, it’s about protecting one of your most prized possessions!

24*7 Support

24*7 Support

We’re available to help you 24*7, with our call facilities operational even on national holidays.

Loved by Customers

Loved by Customers

We are trusted by 3 Crore + customers. This is inclusive of all policies/members/lives on-boarded from our inception.

More TLC, Less T&C

More TLC, Less T&C

Transparency and simplicity are what we stand by. That’s why with us, there are no hidden clauses. We’ve simplified our documents for even 15-year-olds to understand them.

Who Needs Fire Insurance?

Fire is unpredictable, so ideally anyone with a property should ensure their home or business is covered from damages and losses that could occur due to a fire. 

Home Owners

Whether it’s been your home for years, or is your newfound dream home, a house is anyone’s most precious possession. Moreover, fire is known to be most prone in residential buildings. Thus, protecting it from the same is the least you can do to protect both your pocket and home.


People generally assume that fire insurance is only for people who own properties and that may be true for most insurers. However, at Digit, we provide fire insurance for rental properties too. So, if you have a rented office space or a rented apartment, you can still get fire insurance for the contents you own; such as the contents of your home.

Small Business Owners

Whether you run a small general store or a small boutique with customized fashion and handicrafts, our fire insurance coverage is suitable for all types of businesses. If you’re someone running an independent, small business, it would be vital to protect your business from any potential losses and risks that could arise out of fires.

Medium Business Owners

If you run a chain of general stores, restaurants or a medium sized enterprise; our fire insurance coverage is also suited for medium sized business owners to cover for any damages and losses that could be caused due to a fire; no matter how small or big it is.

Large Enterprises

If you’re someone who owns multiple properties owing to the large operations of your business, a property insurance is vital in protecting not one but all your properties that will not only help reduce business risk, but also improve goodwill for being a responsible business enterprise.

Types of Personal Properties Covered in Fire Insurance

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 fire insurance policy.

Independent Villa

If you own or have rented an independent villa or house, a fire insurance coverage is vital to protect your villa and its contents from the potential risk of a fire. 

Types of Business Properties Covered in Fire Insurance

Automobiles and Electronics

Businesses that primarily sell automobiles, mobile phones and their accessories, and other electronic items. 

Grocery, General and Stationary 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 fire insurance policy. Offices and Educational Spaces

Offices and Educational Spaces

This category as part of our Property Insurance Policy is designed to suit office premises and educational institutions such as colleges, schools, and coaching classes.

Repairs and House help

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

Home, Lifestyle and Fitness

From your favorite malls and clothing stores to spas, gyms and other stores; a fire insurance covered by Digit’s property insurance 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; our fire insurance coverage is well-suited for all kinds of eatery joints as well. 


One of the most vital properties that should be protected from fires and all other risks as well; a Property Insurance by Digit also covers for Hospitals, Clinics, Diagnostic Centers and Pharmacies and other Medical Stores. 

Service & Others

Apart from the categories mentioned above, a fire insurance coverage as part of by Digit’s Property Insurance Policy is suitable for all sizes and nature of businesses.

What is the Sum Insured for Fire Insurance?

FAQs on Fire Insurance Online in India