General
Fire Insurance for your Home, Shop and Business
Zero
Documentation
Quick Claim
Process
Affordable
Premium
Terms and conditions apply*
Terms and Conditions apply*
Get Fire Insurance Online for your Home, Shop, Office & Building
Fire insurance is an important part of a Property Insurance policy, that helps protect your home and business properties such as apartment buildings, office spaces and shops from any damages and losses that could occur due to a fire.
*Disclaimer - Fire Insurance is not a standalone product. To avail this cover, you need to purchase Go Digit, Bharat Laghu Udyam Suraksha (IRDAN158RP0079V01202021) and/or Go Digit Bharat Sookshma Udyam Suraksha (IRDAN158RP0080V01202021), and for Home – Go Digit, Bharat Griha Raksha (IRDAN158RP0081V01202021).
Not Sure Why Fire Insurance is Important?
Read on..
Why Do You Need Fire Insurance?
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
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
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?
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.
Storm
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.
Flood
Protects your property from losses and damages when the rains are out of control, leading to floods that could also impact your property.
Earthquake
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.
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Option 1 |
Option 2 |
Option 3 |
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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
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
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
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
We’re available to help you 24*7, with our call facilities operational even on national holidays.
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
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.
Digit makes it to the headlines!
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.
Types of Personal Properties Covered in Fire Insurance
Types of Business Properties Covered in Fire Insurance
What is the Sum Insured for Fire Insurance?
Sum insured refers to the amount the policyholder is liable to claim in the event of an insured peril. Basically, it is the maximum amount that your insurance company can pay you when you file a claim for an unexpected/unpredictable event.
Your premium amount is determined by how much sum insured you choose. In this case, the value of your property/contents of your property also determines your sum insured. It is important to have an adequate sum insured which is not lower than the actual value of your property or assets.
