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Fire Insurance
What is Fire Insurance?
A fire has the potential to destroy a property or a business, leading to losses of great scale. To get compensated for such losses, you can opt for fire insurance, covering your movable and immovable property. A fire insurance is an important part of a Property Insurance policy, that helps protect your residential, commercial or industrial properties such as apartment buildings, office spaces, shops and factories from any damages and losses that could occur due to a fire.
- Coverage against both fire-related accidents & burglary
- Covers cost of damage to building, contents & stock
- Offers repair cost of the machine in case of damage due to fire
Benefits
Benefits of Buying Fire Insurance Plans Online
Here is why having fire insurance coverage will always be a wise decision. You can buy fire insurance online.
- Fire insurance coverage provides the security for home, share, home furniture, enterprise buildings, etc.
- This policy offers the price of possessions and properties alternatives, which get damaged or broken due to the fireplace incident.
- Fire insurance policies offer the advantages for the homeowner in these ways
- It provides the compensation for damage of the building
- If any of the home furnishings materials get damaged due to the fireplace incident, like plywood home furniture, carpets, clothes, then you will get coverage.
- Alternative or maintenance for the electronic items like television, computer, air coolers are also included in fire insurance coverage.
- Fire insurance companies provides facilities to the enterprise in the following ways
- It offers the alternative or maintenance price for the machines in case of those get broken due to the fireplace incident.
- It covers the price of share broken due to the fire
- Under this fire insurance policy, you will get the medical expenses for the employees, if they get injured due to the fireplace incident.
Coverage
What Does Fire Insurance Cover?
- The policy offers coverage for any damages or losses caused to the fire.
- Insured will get coverage for expenses incurred due to damage by explosion or implosion.
- Damages caused by the lightning are covered under fire insurance online.
- Damages or losses caused by an explosion are also covered by fire insurance policy.
- Fire and any other losses or damage caused by aircraft or other airborne devices, damage due to articles dropped by an aircraft is covered by fire insurance policy.
- If the belongings or properties or of the insured are damaged caused by strike, riot or any terrorist activities, then it will be covered by fire insurance policies.
- Fire insurance coverage offers for natural disasters including tornado, storm, cyclone, typhoon, flood etc.
- Destruction caused to the landslide or rockslide will be covered under fire insurance policy.
- If your property is damaged due to the overflowing of the water tank, the policy will provide coverage for the damage.
Exclusion
Exclusions of Fire Insurance
- Damages caused by normal heating, own fermentation or spontaneous burning are excluded from fire insurance online policy.
- Loss or damage of the property due to nuclear perils, electrical or mechanical breakdown are excluded.
- Pollution or contamination
- Burglary and housebreaking
- Terrorist act, war and warlike operations are not included in fire the insurance policy.
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Benefits
The benefits of comparing with Royal Insurance India Pvt. Ltd.
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Faqs
Fire Insurance FAQs
Fire accidents are always unexpected but are heavily disparaging. Hence, having a fire insurance policy is essential. But now the question is how to choose the best fire insurance policy as there are plenty of insurers and plans to choose from. You may get confused while choosing the right fire insurance policy in India.
Regardless of all the precautions, we can’t really foresee a disaster. That’s why; you need to be composed in case any such state of affairs arises. In case of a fire, you can do the following:
- Inform the local fire brigade who will help you to extinguish the fire.
- In case there is any loss to another person’s property due to the fire or in an attempt to douse it, the insurance provider shall compensate for the same.
- Inform the insurer.
- Cooperate with the supervisor at the time of loss evaluation.
- If the surveyor takes a lot of time to arrive, you may also take photographs of the loss/damages and shift all the unaffected assets to a secure place.
- Fill the claim form and submit it along with the documents to support your claim.
- Submit all the bills to the insurer after the repair or replacement of damages.
In case of fire or other perils, your building may get damaged. And these losses or damages will not be covered by a general insurance policy. This is why; you will need fire insurance. It will cover the damages sustained by the building. Likewise, natural calamities also may cause devastating losses. As a consequence, it can burn a hole in your pocket. Therefore, you need fire insurance in order to safeguard your property.
Usually, general fire insurance doesn’t offer any coverage for these items, unless discussed with the insurer while buying the policy. However, on special request and subject to valuation, these items can be covered under a fire insurance policy.
Policy period upto 12 months as opted and mentioned in the policy document.
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