Fire Insurance protects your home, shop, or commercial property against loss or damage from fire and allied perils — one unexpected event can otherwise wipe out years of savings or business value. CoreLink Finance helps you compare fire insurance policies and get adequate cover for your property.
Protection against fire, lightning, explosion, and related perils like storm or flood damage, as per policy terms.
Cover can extend to the building structure as well as furniture, fittings, and stock inside.
Business interruption add-ons can help cover lost income while you rebuild after a fire.
Fire Insurance is a property insurance policy that covers loss or damage to a building and its contents caused by fire and a range of allied perils — such as lightning, explosion, storm, flood, or riot damage, depending on the policy you choose.
Cover can be structured for the building structure alone, the contents and stock inside, or both together — making it suitable for homeowners, shopkeepers, and businesses who want to protect the physical assets a fire could destroy in minutes.
Many commercial policies also offer business interruption cover as an add-on, which compensates for lost income and ongoing expenses while a damaged property is being repaired or rebuilt, helping a business get back on its feet.
The core protection against loss or damage caused by fire and lightning strikes.
Extendable to storm, flood, earthquake, riot, and explosion damage, as per policy terms.
Cover the structure, or furniture, fittings, and stock inside, or both together.
Compensates for lost income while your business recovers from a covered event.
Claims can be settled on a "new for old" basis under certain policy variants, rather than depreciated value.
Suitable for homes, shops, offices, warehouses, and factories alike.
A relatively low premium for significant protection against a potentially devastating loss.
Insure the building, contents, or stock at values that reflect their actual worth.
| Sum Insured | Residential | Small Commercial (Shop) | Warehouse / Factory |
|---|---|---|---|
| 10 Lakhs | ₹600 – 900 | ₹1,200 – 1,800 | ₹2,500 – 3,800 |
| 25 Lakhs | ₹1,400 – 2,100 | ₹2,800 – 4,200 | ₹6,000 – 9,000 |
| 50 Lakhs | ₹2,600 – 3,900 | ₹5,200 – 7,800 | ₹11,000 – 16,500 |
*Indicative figures for a sample profile and standard construction. Actual premiums depend on property type, construction, location, sum insured, occupancy, and insurer. GST applicable as per prevailing rates.
At CoreLink Finance, we don't just help you buy a policy — we actively support you through the claim process by coordinating with the insurer, guiding documentation, and following up for a smooth experience.
We help you choose the right insurer and policy based on claim settlement ratio, reliability, and your profile.
Before policy issuance, we ensure all your personal, financial, and medical details are accurate and properly declared.
We guide you in filling out proposal forms correctly, so no hidden or incorrect information gets submitted.
In case of a claim, you get a personal claim expert who handles the process — from documentation to settlement.
We actively coordinate and follow up with insurers to ensure quick and smooth claim processing.
Our team checks all documents before submission to avoid technical errors that often lead to delays or rejection.
Follow these steps to ensure your claim is settled smoothly after a loss.
Under-insuring your property can lead to a proportionate reduction in claim payout — insure at true value.
Inform the insurer as soon as the fire or damage occurs, within the specified time frame.
Take photos and avoid disturbing the site until the insurer's surveyor has inspected it.
Maintain bills and stock records to support the valuation of contents or stock claims.
Comply with standard fire safety practices — non-compliance can affect claim settlement.
Ensure the declared use of the property (residential/commercial) matches its actual use.
Fire insurance is valuable for anyone who owns a physical property or stock. Consider this if you are:
A homeowner wanting to protect your house and belongings
Running a shop, showroom, or small business with valuable stock
Owning a warehouse, factory, or industrial unit
A landlord wanting to protect a rented-out property
Holding significant inventory or stock at a single location
Required to have fire cover as a condition of a business loan
Talk to CoreLink Finance for honest, no-obligation guidance on the right fire insurance for you.
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