The Dual Shield You Can’t Afford to Ignore

Your home is where memories are made; your business is where your future is built. Both are susceptible to sudden, catastrophic risks that can derail your financial stability. In India, where both man-made perils and natural threats are prevalent, relying solely on hope is not a strategy.

We simplify property protection by offering robust and meticulously tailored Fire & Burglary Insurance solutions. This dual protection is not just a policy—it’s a comprehensive financial shield designed to absorb the shock of unexpected loss. We ensure that whether it’s the destructive force of fire or the targeted loss from a break-in, your recovery is swift, supported, and complete.

Understanding the Core Coverage

A Fire and Burglary policy, especially when curated by bimavale’s experts, goes far beyond compensating for a scorched wall or a broken window. It is a combined product that addresses two of the most devastating threats to your physical assets.

The Fire Coverage Component: Beyond the Flame

The fire section of our policy is built on the foundation of the Standard Fire and Special Perils (SFSP) Policy and IRDAI-mandated simplified policies like Bharat Sookshma Udyam Suraksha (for micro enterprises) and Bharat Laghu Udyam Suraksha (for small enterprises). This section covers more than just fire damage; it extends to a wide array of allied risks, including:

Natural Calamities: Damage from cyclones, storms, floods, tempests, and rockslides.
Explosions and Implosions: Coverage for damage caused by internal or external explosions.
Man-Made Perils: Damages resulting from riots, strikes, malicious damage, and terrorist acts.
Aircraft and Missile Damage: Protection against damage caused by aircraft or airborne devices.
Impact Damage: Coverage for damage caused by road vehicles, rail vehicles, or animals touching the insured property.

Crucially, fire coverage compensates for the cost of repair or replacement, including essential expenses like the Removal of Debris and fees for Architects and Surveyors necessary for rebuilding, ensuring you receive true restoration, not just partial compensation.

The Burglary Coverage Component: Securing Your Assets

Burglary insurance covers the financial loss of property resulting from theft following a forceful and violent entry or exit from the premises. This is the cornerstone of asset protection for both homes and businesses.

Contents Coverage: Protection for furniture, fixtures, machinery, equipment, raw materials, and finished stock-in-trade.
Damage to Premises: Compensation for structural damage caused by the intruders during the act, such as broken doors, windows, and damaged safes.
Hold-Up/Robbery: Coverage for loss resulting from armed robbery or hold-up, particularly important for businesses handling cash.

Tailored Solutions for India’s Property Owners

bimavale.com doesn’t believe in a one-size-fits-all approach. We offer specialized packages designed to meet the distinct risk profiles of residential and commercial property owners across India.

Residential Property Security: The Homeowner’s Shield

For homeowners and tenants, our policies ensure your dwelling and personal belongings are safeguarded. We offer customizable options, including the popular Householder's Package Policy (HPP), which bundles fire and burglary risks with other covers.

Alternative Accommodation: If your home is rendered uninhabitable by a covered fire incident, the policy can cover the costs of temporary housing and living expenses.
Jewellery and Valuables: While cash, precious stones, and jewellery are typically excluded from standard policies, we facilitate specific add-ons to cover these high-value items when kept securely, such as in a locked safe.
Unoccupied Dwelling Clause: We help you navigate policy clauses regarding premises left unoccupied, ensuring coverage remains active even if you are away for extended periods (subject to policy terms, often 7 to 14 days).

Commercial & SME Protection: Protecting Business Continuity

For businesses—from small retail shops and offices to large manufacturing units—the stakes are higher, as property loss directly impacts revenue. Our commercial policies focus on maximizing coverage continuity.

Stock Fluctuation Options: For businesses with seasonal inventory changes, we offer specialized options like First Loss Basis or Stock Declaration Policies to ensure the sum insured reflects the actual fluctuating value of goods without overpaying premiums.
Consequential Loss (Business Interruption): The most critical add-on for businesses. If a fire or covered peril halts your operations, this section covers the loss of profit, standing charges (like rent and salaries), and increased cost of working, helping you restart operations seamlessly.
Electronic Equipment Coverage: Essential for modern offices and manufacturing. This add-on provides All-Risk protection for laptops, servers, and specialized electronic machinery against breakdown or external damage.

The bimavale Advantage—Why Choose Us?

Selecting the right policy is complex. As expert insurance brokers, bimavale.com acts as your dedicated partner, leveraging industry relationships to deliver optimal value and unwavering support.

1. Independent and Comprehensive Comparison

We are not tied to a single insurer. Our platform instantly compares plans from India’s leading general insurance companies, ensuring you receive the best possible coverage at the most competitive premium rates tailored to your specific geographical location and risk exposure.

2. Focus on Replacement Cost Value

Many standard policies settle claims based on Actual Cash Value (ACV), which deducts depreciation, leaving you short on funds for genuine replacement. bimavale guides you towards policies offering Replacement Cost Value, ensuring you receive the full cost to replace new items of similar kind and quality, providing superior financial relief.

3. Simplified, Transparent Policy Wording

Insurance documents are often filled with jargon. Our experts demystify the fine print, clearly explaining crucial concepts like deductibles, Average Clause, and exclusions upfront. We ensure you understand exactly what you are covered for before you commit.

4. Dedicated Claims Advocacy

The true test of insurance is the claims process. Our commitment to you extends far beyond the sale. Our dedicated claims team is available 24/7 to assist with the filing of FIRs, coordination with surveyors, and documentation, advocating on your behalf to ensure a fast, fair, and transparent claim settlement.

Insure with Confidence, Live with Peace of Mind

Protecting your physical assets is a non-negotiable step toward securing your financial future. Whether you are safeguarding a lifelong residence or the engine of your entrepreneurial dream, Fire & Burglary Insurance from bimavale.com provides the necessary resilience against disaster.

Don't wait for a crisis to expose your vulnerability. Partner with bimavale to build an impenetrable shield around what you value most.

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