Fire Insurance

Fire insurance ensures that if your property is damaged or destroyed by fire, the insurance
company will help cover the costs of repairs or rebuilding. You pay a premium based on
factors like the value of your property. If a fire happens, you'll get money to help you recover.
It's like having a safety net to protect your home or business from the financial impact of fire
damage.

Here are the 3 Fire Insurance Plans we designed:

1. Basic Blaze Shield: Designed for homeowners and renters with basic coverage needs.
2. Total Inferno Defense: Designed for homeowners with valuable possessions or higher
coverage needs.
3. Business Inferno Protection: Designed for businesses of all sizes seeking
comprehensive fire protection.

Basic Blaze Shield

Premiums

 The premiums for this basic fire insurance plan will be kept low to make it affordable
for both homeowners and renters.
 Premiums can be paid monthly, quarterly, or annually, depending on the preference of
the policyholder.

Features:

 Fire Coverage: The insurance policy will provide coverage for damages caused by
fire, including structural damage to the insured property, personal belongings, and
additional living expenses if the insured property becomes uninhabitable due to fire
damage.
 Smoke Damage Coverage: In addition to fire damage, the policy will also cover
damages caused by smoke, including cleaning and restoration costs.
Total Inferno Defense

Premium

The Total Inferno Defense plan will have a higher premium than the Basic Blaze Shield plan
due to the broader coverage and the guaranteed rebuild value endorsement. However, the
increased cost is offset by the additional protection and peace of mind it offers.

Features:

 Enhanced Fire Coverage: The insurance policy will provide extensive coverage for
damages caused by fire, including structural damage to the insured property, personal
belongings, and additional living expenses if the insured property becomes
uninhabitable due to fire damage.
 Extended Replacement Cost: In the event of a total loss, the policy will cover the cost
to replace or rebuild the insured property, including upgrades to meet current building
codes, ensuring that homeowners can fully restore their homes to their pre-loss
condition.
 High-Value Items Coverage: The insurance plan will offer additional coverage
specifically for high-value possessions such as jewellery, artwork, electronics, and
collectables, protecting homeowners' valuable assets against fire damage or theft.
 Optional Add-Ons: Policyholders may choose to add optional coverage enhancements
such as water damage protection, earthquake coverage, or coverage for business
equipment kept at home.

Business Inferno Protection

Premiums:

 Premiums for this comprehensive fire insurance plan will be determined based on
factors such as the size of the business, the value of assets, the nature of operations,
and the level of coverage required.
 Premiums can be paid monthly, quarterly, or annually, offering flexibility to
businesses in managing their insurance costs.
Features:

 Extensive Fire Coverage: The insurance policy will provide comprehensive coverage
for damages caused by fire, including structural damage to buildings, equipment,
inventory, and other business assets.
 Business Interruption Coverage: Coverage will extend to business interruption
expenses incurred because of fire damage, including lost revenue, extra expenses to
continue operations, and temporary relocation costs.
 Replacement Cost Coverage: In the event of a total loss, the policy will cover the cost
to replace or rebuild the insured property, including upgrades to meet current building
codes and regulations.

Why choose our product?

 Replacement Cost Coverage for Contents (Basic Blaze Shield)

This stands out because many competitors might only offer Actual Cash Value (ACV)
coverage. Replacement cost coverage ensures you receive the full amount needed to replace
damaged belongings without a depreciation deduction.

 Guaranteed Rebuild Value Endorsement (Total Inferno Defense)

In today's market, rebuilding costs can fluctuate significantly. With this endorsement, even if
costs go up, We will ensure your home is rebuilt to its pre-fire condition (up to policy limits).\

Our Product v/s ICICI Lombard Fire Insurance

Bajaj Allianz General

Particulars Our Company
Insurance

Established insurer with a strong market Well-known insurance provider

Reputation
presence in India
 Provides Basic Fire Insurance,
Fire Insurance Offers Basic Blaze Shield, Total Inferno Enhanced Fire Insurance, and
Offerings Defense, Business Inferno Protection Commercial Fire Insurance,
among others

Premiums may vary based on

Competitive premiums with options for
Premiums factors like property value,
affordability
location, and coverage options

Additional features like

Replacement cost coverage for contents
Unique Features
guaranteed to rebuild value endorsement
coverage for alternative
accommodation expenses,
accidental damage, and cyber
extortion coverage for
businesses

Homeowners, renters, and businesses of Individuals and businesses in

Target Audience
all sizes the Indian market