What fire insurance usually covers
A standard fire policy covers loss or damage to the building, stock, machinery or contents from fire and the other risks named in the policy, such as lightning or explosion. Additional risks like floods or burglary are often available as add-ons, so ask what can be included.
Shop and business cover
Shop policies can combine fire cover with protection for stock, furniture, cash in the premises and sometimes burglary. The right mix depends on what you sell and how you store it.
Fix the sum insured honestly
- Add up the real value of your stock and equipment, not a rough guess.
- If you insure for much less than the real value, a claim can be reduced in proportion.
- Review the amount every year, especially before festival seasons when stock is higher.
What to keep ready
- Address and photos of the shop or house.
- A list of stock and equipment with approximate values.
- Your ID proof and mobile number.
Visit us
- Address
- Shettargadde Complex, Court Road, Thirthahalli, Shimoga 577432, Karnataka
Get directions on Google Maps - Hours
- Opens 9:30 am · closes 5:30 pm · Monday to Saturday (insurance not available on Saturdays)
- Phone
- 9880942181
- 8762769901
- [email protected]
Call 9880942181 Chat on WhatsApp
Insurance services are not available on Saturdays because of the Oriental Insurance company holiday.
Common questions
Does fire insurance cover my house?
It can cover the building and contents against the risks named in the policy. Ask us which cover suits a house and which suits a shop.
Is theft covered under fire insurance?
Not by default. Burglary cover is usually a separate add-on or a separate policy.
What should I do if there is a fire?
Make sure everyone is safe first. Then inform the fire service, take photos, and tell us and the insurer as soon as you can. See claims help.
How often should I renew?
These policies are normally for one year. Renew before the expiry date so there is no gap in cover.