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ക്ഷേമ ജനറൽ ഇൻഷുറൻസ്
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ക്ഷേമ ജനറൽ ഇൻഷുറൻസ്

IRDAI Reg No. 162 | Category of Certificate of Registration: General Insurance | CIN: U66000TG2018PLC125484

BIMA BHAROSA - IRDAI Grievance Redressal Portal
(പുതിയ ടാബിൽ തുറക്കുന്നു)

ബന്ധപ്പെടുക

  • 1800 572 3013 (ടോൾ ഫ്രീ)
  • info@kshema.co
  • ഞങ്ങളുമായി ബന്ധപ്പെടുക

രജിസ്റ്റേർഡ് ഓഫീസ്

Kshema General Insurance Limited #413, 4th Floor, My Home Tycoon, Kundan Bagh, Begumpet, Hyderabad, Telangana - 500016, India

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ഞങ്ങളെക്കുറിച്ച്

  • ഹോം
  • ക്ലെയിമുകൾ
  • ക്ഷേമയെക്കുറിച്ച്
  • നേതൃത്വം
  • പബ്ലിക് ഡിസ്ക്ലോഷർ
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നിയമപരം

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  • നിബന്ധനകളും വ്യവസ്ഥകളും
  • സ്റ്റുവാർഡ്ഷിപ്പ് പോളിസി പ്രകാരമുള്ള വെളിപ്പെടുത്തൽ
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വിഭവങ്ങൾ

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മറ്റുള്ളവ

  • ബ്ലോഗുകൾ
  • സ്വാധീനം

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale.

Trade logo displayed above belongs to Kshema Capital Private Limited and is licensed to Kshema General Insurance Limited.

Kshema Fire Damage Protection Plans

Comprehensive fire insurance coverage to protect your property and assets against fire and allied risks.

  • Protection against fire and allied perils
  • Coverage for personal & commercial properties
A family beside their home under a protection shield

What is Fire Insurance?

Coverage to protect personal and commercial property from fire and allied perils

Fire insurance provides financial protection against loss or damage to property caused by fire and allied perils. Under this policy, the insurer agrees to indemnify the insured for covered losses in exchange for a defined premium, subject to policy terms and conditions.

Fire insurance coverage protects against damage caused due to accidental fire and allied perils which may include losses caused by natural calamities such as lightning, storm, flood, and other insured hazards like implosion/explosion depending on the policy opted for.

A protection shield with a flame badge

Who Needs Fire Insurance?

Fire insurance is essential for:

  • Homeowners

    Protect home building & contents

  • Shop owners and retail outlets

    Protect interiors, fittings & stock

  • Micro Enterprises

    Asset value up to INR 5 crore

  • Small & Medium Enterprises

    Asset value INR 5 crore to INR 50 crore

  • Commercial property owners

    Offices, warehouses, storage units

  • Tenants

    Ideal for content‑only cover

  • Self‑employed professionals

    Clinics, studios, workshops

Fire Protection

Kshema Fire Insurance Products

  • Kshema

    Bharat Griha Raksha

    The Kshema Bharat Griha Raksha policy is a comprehensive property insurance policy that protects your home building and its contents from losses due to unexpected events.

    വിശദാംശങ്ങൾ കാണുക

  • Kshema

    Bharat Laghu Udyam Suraksha

    The Kshema Bharat Laghu Udyam Suraksha policy provides comprehensive protection to investments in your small business from loss due to unexpected risks and damages.

    വിശദാംശങ്ങൾ കാണുക

  • Kshema

    Bharat Sookshma Udyam Suraksha

    The Kshema Bharat Sookshma Udyam Suraksha policy provides comprehensive protection to micro enterprises from losses due to unforeseen risks.

    വിശദാംശങ്ങൾ കാണുക

  • Kshema

    Home Insurance Policy

    The Kshema Home Insurance Policy is a comprehensive property insurance policy that protects your home building and its contents from losses due to unexpected events.

    വിശദാംശങ്ങൾ കാണുക

  • Kshema

    Shop Insurance Policy

    The Kshema Shop Insurance Policy offers protection to shops and commercial establishments against losses arising from fire, burglary, and other unforeseen risks.

    വിശദാംശങ്ങൾ കാണുക

Protect Your Assets From

Comprehensive coverage against a wide range of perils and hazards

  • Subsidence & Landslide

    Subsidence & Landslide

  • Missile testing operations

    Missile testing operations

  • Lightning

    Lightning

  • Storm, Tsunami, Flood etc.

    Storm, Tsunami, Flood etc.

  • Explosion & Implosion

    Explosion & Implosion

  • Riot and strike

    Riot and strike

  • Impact Damage

    Impact Damage

  • Bursting or overflowing

    Bursting or overflowing

  • Acts of terrorism

    Acts of terrorism

  • Bush Fire

    Bush Fire

  • Leakage of Automatic Sprinklers

    Leakage of Automatic Sprinklers

  • Theft (within 7days)

    Theft (within 7days)

  • Fire

    Fire

Why Choose Kshema Fire Insurance?

  • Comprehensive Coverage
    Protects your business assets from various perils.
  • Affordable Premiums
    Get extensive protection at affordable rates.
  • Quick & Hassle-free Claims
    A seamless claims process for your convenience.
  • Customisable Add-ons
    Enhance your policy with tailored add-on covers.
  • Tailored for Small & Medium Businesses
    Tailored for commercial premises such as commercial premises, shops, godowns, hotels, etc.
  • Covers Both Structure and Contents
    Includes building (if owned), stock-in-trade, furniture, fixtures, equipment, and more.

What Our Fire Insurance Covers
& What it Doesn't?

Comprehensive protection for your property and assets against fire and allied perils.

  • What's Covered
    • Accidental Fire
    • Lightning
    • Explosion / Implosion
    • Storm, Cyclone, Hurricane, Tornado, Flood, Inundation
    • Earthquake, Volcanic Eruptions & Natural Convulsions
    • Riot, Strike, Malicious Damage
    • Impact Damage (vehicle, object, falling tree, aircraft etc.)
    • Bursting/Overflowing of water tanks, pipe leakage
  • What's Not Covered
    • War, invasion, terrorist acts (unless optional cover taken)
    • Nuclear risks & radiation
    • Pollution unless caused by a covered peril
    • Electrical breakdown to specific machines (but resulting fire is covered)
    • Missing or unexplained loss
    • Consequential losses (loss of income, market, delays)
    • Property undergoing structural renovation without endorsement
    • Underinsurance penalties (unless waived in standard policies)

Request a Callback Now!

Need help with finding the best insurance solution ? Our representative will guide you through the plans and help you buy a policy.