Fire Insurance

Protect Your Property from
Fire-Related Losses

Safeguard your home, office, warehouse, or factory from fire, explosions, and allied risks with the right insurance.

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Fire Insurance

What is Fire Insurance?

Fire insurance provides financial protection against damages or losses caused by fire, lightning, explosion, and other related perils. Whether it’s your residential building, commercial space, stock, or machinery—this policy helps you recover financially after a destructive fire incident. It ensures business continuity or recovery for homeowners by covering repair, rebuilding, or replacement costs. Many fire insurance plans also include optional covers for earthquake, riot, and storm damage.

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Why Buy Fire Insurance Online?

Quick, Clear, and Convenient

Get the right cover in just a few clicks.

Instant Quote Comparison
View multiple insurers and premiums side-by-side to pick the best option.
Hassle-Free Documentation
Upload key property details and receive your policy digitally—no long forms.
Faster Issuance
Complete your purchase online and receive coverage in minutes.

Why Fire Insurance is Essential

Because Fire Damage is Costly and Unpredictable

Stay prepared, not sorry.

Protects Your Assets

Covers building structure, equipment, stock, and household contents from fire damage.

Business Continuity

Prevents operational losses and downtime by funding repairs or replacements.

Compliance Requirement

Often mandatory for businesses, industrial units, and commercial properties.

Covers More Than Just Fire

Includes lightning, explosions, and optionally—earthquakes or riots.

Financial Peace of Mind

Helps you recover quickly without exhausting savings or working capital.

Available for Homes Too

Homeowners can secure residential buildings and personal contents.

Types of Fire Insurance Plans

Choose Coverage That Matches Your Property Type

From small shops to industrial warehouses—we’ve got you covered.

Standard Fire &
Special Perils Policy
Covers fire, lightning, storms, riots, explosions, and more.
Valued
Policy
Sum insured is pre-agreed based on property value—not market fluctuations.
Floating Policy
Suitable for businesses with goods at multiple locations under a single sum insured.
Declaration Policy
Policy
For fluctuating stock values—adjustable monthly based on actual stock levels.
Comprehensive Fire
Policy
Adds burglary, natural disaster, and loss of profit coverage beyond basic fire risks.
Dwelling Fire
Policy
Designed for homeowners to cover structural damage and valuable contents.

Drive Smart. Stay Protected.

Get Covered Today and Stay Protected Always

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Why Choose Epsilon Money

Fire Insurance Made Transparent and Tailored

Expert guidance without the jargon.

Access to Top Insurers

Choose from India’s best-known general insurance providers in one place.

Personalized Plan Selection

We recommend coverage based on your risk profile—not generic templates.

End-to-End Guidance

From site assessment to claims filing—we help at every stage.

Quick Digital Process

Quote, compare, and buy—all done online with minimal documentation.

Flexible Coverage Add-ons

Add protection for machinery breakdowns, natural disasters, or loss of rent.

Trusted by Property Owners & SMEs

Thousands of clients rely on us to protect their homes, shops, and businesses.

Key Things to Check Before Buying

Don’t Buy Fire Insurance Without Reviewing These

Check coverage details before you commit.

Sum Insured Calculation
Ensure it's based on reinstatement value—not depreciated market value.
List of Covered Perils
Confirm which fire-related events and allied perils are included.
Exclusions & Waiting Periods
Understand what’s not covered—like arson, war, or intentional damage.
Add-On Options
Look for extensions like loss of rent, removal of debris, or stock-in-trade.
Policy Term and Renewal Terms
Check for flexibility and long-term discounts on multi-year plans.

How to Buy Fire Insurance Online

Get Insured in 3 Simple Steps

A seamless online process from start to finish.

Enter Property Details

Share location, usage, value, and property type to get accurate quotes.

Compare & Choose a Plan

Review features, exclusions, premiums, and policy add-ons.

Pay & Get Policy Instantly

Complete payment online and receive your policy via email.

How to Claim Fire Insurance

Claim Assistance When It Matters Most

We help you every step of the way.

1

Inform the Insurer Immediately
Contact the insurer and file the First Information Report (FIR) or fire brigade report.

2

Submit Required Documents
Provide claim form, fire report, photos, property proof, and damage valuation.

3

Get Claim Assessed & Settled
A surveyor will assess the damage and initiate payout as per policy terms.

Steps to File a Car Insurance Claim

File Claims Easily with Our Step-by-Step Assistance

Report the Claim

Inform us or the insurer immediately after the accident or damage.

Submit Documents

Provide claim form, photos, FIR (if needed), and ID/vehicle documents.

Settlement Process

The insurer assesses the claim, and approved payouts are processed promptly.

Frequently Asked Questions About Fire Insurance

Everything You Need to Know Before You Insure

Answers to the most common customer queries.

A standard fire insurance policy typically covers losses due to fire, lightning, explosion, storm, cyclone, riot, and more. It protects buildings, machinery, stock, and household items. Add-ons may include debris removal, architect fees, and rent loss.

Anyone who owns a property—residential or commercial—should buy fire insurance. It's essential for shopkeepers, homeowners, warehouse operators, manufacturers, and service businesses. Tenants may also opt to insure contents within rented premises.

In many cases, yes—especially when required by banks or regulatory authorities. It’s also a common prerequisite for factory and shop registration, loan approvals, and lease agreements. While not always legally enforced, it's financially prudent and often expected.

Sum insured should be based on the reinstatement value—what it would cost to rebuild or replace the asset today. Underinsurance can lead to partial claim payouts. Business owners with fluctuating stock should consider declaration or floating policies.

Yes, homeowners can buy fire insurance for the building structure and contents. It helps protect against accidental fires, short-circuits, gas cylinder explosions, or neighbouring property fires. Some insurers even bundle home and fire cover together.

You’ll typically need a claim form, fire brigade report, FIR (if needed), photos or video evidence, property ownership proof, and inventory or stock records. Insurers may also appoint a licensed surveyor to inspect and assess the damage before payout.

Once all documents are submitted and the surveyor completes the inspection, claims are usually settled within 15–30 working days. Delays may occur if there are disputes in value estimation, incomplete paperwork, or complex loss evaluations.

Not by default. Earthquake and flood coverage are typically add-ons or optional extensions. If your property is located in a disaster-prone area, it's advisable to include these add-ons when buying your fire insurance policy.

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Epsilon Money Mart Pvt. Ltd. Registered Address: Unit No. 101, 1st Floor, Simba Towers, CTS no. 67-A/1, Goregaon, Mumbai, Maharashtra - 400063, Category - Composite.
Disclaimer - Epsilon Money Mart Pvt Ltd (Epsilon Money) having its registered office in Mumbai, Maharashtra India, is an IRDAI registered Corporate Agent. Epsilon Money does not underwrite the risk or act as an Insurer. The insurance products offered are underwritten by the respective Insurance Partner only.

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