Fire Insurance Cover for Bushfires and House Fires

One of the most sought-after types of property insurance in India is fire insurance. India has a history of fire incidents leading not only to loss of lives but also an enormous loss of property, every year. It takes years of effort and hard work to build an asset like a home, and an unexpected fire can destroy all these efforts. Fire insurance cover for bushfires and house fires can help pay against the financial losses to the policyholder in case of any unfortunate fire incident.

Read more

Get right expert advice

Hassle free policy

Speedy Claims

Fast-track your search with instant quotes from top insurers

Get ₹50 Lakh cover
starting at ₹280/month+

Step 1/2

Get ₹50 Lakh cover starting at ₹280/month+

Property Type
secure-icon We don't spam
Get Updates on WhatsApp
View Plans

Get ₹50 Lakh cover
starting at ₹280/month+

Step 2/2

Popular Cities

Fast-track your search with instant quotes from top insurers
Expert advice

Buy right

Instant policy

Quick & Hassle free

Dedicated team

Speedy Claims

Fire Insurance and its Perils

Fire insurance is a type of insurance that provides coverage if the property is damaged or destroyed due to accidental fire. In India, a fire insurance policy is a contract between the insurer (insurance company) and the insured wherein the insurer agrees to pay monetary compensation for the insured destroyed/damaged property. A fire insurance policy usually covers the house, buildings, plant and machinery, and other valuable assets. Some common perils included under fire insurance are:

  1. Coverage for any damages or losses caused due to fire
  2. Expenses incurred due to damage by explosion or implosion are included
  3. Insured gets coverage for damages caused by the lightning
  4. Damage or loss caused by an aircraft or any other aerial devices; further, articles dropped from them are also covered
  5. Coverage of the losses or damages caused due to riots, terrorist activity, strikes or other violent situations
  6. Coverage from natural disasters like cyclones, storms, floods etc.
  7. The destruction caused due to the landslide or rockslide is also covered
  8. Covers accidental leakage from automatic sprinkler installations
  9. Covers damage or loss caused to the property due to the impact of any vehicle or animal being in direct contact with the property
  10. Bush fire causing damage to the property is covered under the fire insurance policy

Fire Insurance Cover for Bushfires and House Fires

Fire insurance coverage for house fires includes the interior and exterior of a house, as well as assets that are part of it. Most fire policies offer coverage irrespective of the origin of the fire, that is, from inside or outside of the house. Instead, the coverage is extended depending on the cause of the fire. House fires not only damage the structure of the house, but also, its content. Fire insurance thus covers both these aspects.

On the other hand, every year many homes and properties are at risk of bushfires. A bushfire is an uncontrolled fire that is burnt in the grass, overgrown bushes or plant, etc. This fire may end up damaging the property. Local topography and whether influence the threat of bushfires.

Fire insurance covers bushfires as one of its perils. Being an indemnity cover, the insurance company can pay for the damages caused by the bushfire to repair or rebuild the same up to your sum insured, or the damages suffered whichever is less. It is to be noted that bushfires do not include forest fires.

Explore Fire Insurance


Whether your house is in a potential bushfire zone or otherwise, it is recommended to invest in a fire insurance plan that gives you peace of mind in case a fire-related incident occurs. It is always advisable to opt for comprehensive fire insurance coverage and get proper assistance from an experienced insurance aggregator before purchasing a policy that can assist in purchasing the policy at competitive premiums.

Written By: PolicyBazaar - Updated: 22 September 2022
Fire Insurance Articles
India, with its diverse landscape and vibrant urban centres, faces a wide range of fire risks that underscore the...Read more
20 Feb 2019 by Policybazaar 40853 Views
Protecting your business against fire-related outbreak is essential.  Fire Insurance is the ideal protection...Read more
06 Mar 2019 by Policybazaar 35962 Views
Despite taking many precautions, the probability of fire damage is always there. To minimise the loss caused by a...Read more
04 Mar 2019 by Policybazaar 32098 Views
Fires can be devastating for Small and Medium Enterprises (SMEs) to protect against financial strain and...Read more
08 Aug 2022 by Policybazaar 5672 Views
Every property that you own is valuable. Whether it is your house or your office, it takes a lot of money to buy...Read more
27 Jul 2020 by Policybazaar 17165 Views
Fire insurance protects businesses against financial losses...Read more
19 Mar 2024 by Policybazaar 239 Views
In the labyrinth of industrial operations, there exists a subset...Read more
27 Dec 2023 by Policybazaar 474 Views
Fire insurance plays a pivotal role in safeguarding factories...Read more
15 Dec 2023 by Policybazaar 677 Views
In the domain of Factory Fire Insurance, the protection of stock...Read more
11 Dec 2023 by Policybazaar 619 Views
The importance of fire safety measures required for factory...Read more
11 Dec 2023 by Policybazaar 433 Views
Policybazaar for Business - Fire Special Perils Insurance - Customer Reviews
View all
Based on 83 reviews
out of 5
Based on 83 reviews
13 users
66 users
4 users
0 users
0 users
4.8 October 09, 2022
Amazing Customer Support
I am using a fire insurance policy from policybazaar and experienced amazing feedback from them in claim settlement. I have a sports merchandise shop that caught fire last yearI raised a claim which was resolved within a few days without any hassles.
4.8 October 08, 2022
Helpful Support
The support team of Policybazaar is really helpful and prompt. They solve all your queries fast. Would definitely recommend Policybazaar for purchasing insurance .
4.8 October 07, 2022
Extensive Cover
Got a fire insurance policy for my shop and it was really extensive with so many features. Purchased it from Policybazaar without paying any commission fees. Great coverage.
4.5 October 06, 2022
User Friendly Website
We deal in the cotton industry and suffered a huge loss last year because of the fire. We were looking for insurance to safeguard us financially from any such incident in the future. We landed on the policybazaar website and bought fire insurance. Their website is well managed and gives all the necessary information.
4.8 October 05, 2022
Plans Are In Budget
Had to purchase a fire insurance which should be in my budget as I run a very small store. Got a lot of affordable plans on Policybazaar and purchased the one that suited my budget. All plans are in budget and with so many features.
4.3 October 04, 2022
Covered My Shop
I have a shop of garments and it caught fire last year in which I lost items worth thousands. Purchased a fire insurance from Policybazaar and now I feel really relieved that it would financially cover my shop in such circumstances.
4.3 October 03, 2022
Faster Claim Settlement
A part of my warehouse having thousands of material caught fire. Luckily I had a fire insurance policy that I could claim and received compensation from them. It was such a relief. The claim settlement team at Policybazaar is helpful and really quick.
4.5 October 02, 2022
I have a warehouse of clothes and was planning to buy a fire insurance policy to cover my material from unwanted fire. Got a really affordable plan from Policybazaar with some really great features.
4.5 October 01, 2022
Budget Friendly
Wanted to cover my crockery shop from fire and was searching for an affordable plan. Found a great plan at Policybazaar which suited my budget.
4.5 September 30, 2022
Instant Purchase
Wanted a fire insurance policy for my crockery business and could purchase it instantly from Policybazaar. The process was quick instant and very easy.