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Property Insurance

Protect your physical assets from fire, theft, natural disasters, and accidental damage with comprehensive property insurance.

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Understand the Basics

What Does Property Insurance Cover?

Property insurance offers financial protection against loss or damage to your residential or commercial property and its contents. Whether caused by fire, burglary, natural calamities, or unforeseen accidents, a property insurance policy helps you recover and rebuild without financial strain. It’s essential for homeowners, landlords, shop owners, and business establishments of all sizes.

Secure Your Assets in Minutes

Benefits of Buying Property Insurance Online

Faster Policy Issuance

Get your property insured instantly with digital processes and zero paperwork.

Easy Customization

Choose coverage for the building, contents, or both based on your specific needs.

Transparent Comparison

Compare policies, premiums, and add-ons from leading insurers before making a decision.

Don’t Leave Your Property Unprotected

Why Property Insurance Is a Smart Financial Decision

01

Covers Structural Damage

Protection against fire, explosion, lightning, and natural calamities like floods or earthquakes.

02

Secures Your Belongings

Covers furniture, electronics, inventory, and other movable assets against damage or theft.

03

Protects Business Infrastructure

Ideal for shops, warehouses, offices, and factories with large-scale physical investments.

04

Liability Protection

Add-ons can cover legal liabilities arising from third-party property or injury claims.

05

Loss of Rent / Business Interruption

Compensation for income loss due to damage-caused downtime or displacement.

06

Peace of Mind

Avoid heavy out-of-pocket expenses and resume normal operations faster after an incident.

Choose the Coverage That Matches Your Risk

Types of Property Insurance You Can Buy

Home Property Insurance

Covers both the building structure and personal belongings inside your home.

Commercial Property Insurance

Designed for business establishments—protects offices, shops, showrooms, and stock.

Industrial All-Risk Policy

Comprehensive cover for factories, plants, and large warehouses against all major risks.

Standard Fire & Special Perils Policy

Basic plan that covers losses due to fire, explosion, storms, and floods.

Burglary & Theft Cover

Add-on or standalone coverage for theft-related damages and losses.

Content-Only Cover

Ideal for tenants or small business owners who lease their property.

Your Property, Our Responsibility

Why Property Owners Trust Itus for Insurance

Policies from Leading Insurers

Choose the best property insurance plans from top-rated companies.

Tailored to Your Property Type

Get building-only, contents-only, or all-risk cover based on your needs.

Transparent Terms & Quick Issuance

Understand all inclusions and exclusions before buying—no surprises later.

End-to-End Assistance

From quote comparison to documentation and claim support—we handle it all.

Competitive Premiums

Affordable plans for residential, commercial, or industrial property owners.

Trusted by Businesses & Homeowners Alike

Backed by years of experience across individual and enterprise insurance solutions.

A Simple and Secure Process

Steps to Get Your Property Insurance Online

1. Enter Property Details

Provide the property type, location, built-up area, occupancy status, and value.

2. Compare & Choose Coverage

Select the right plan with add-ons for burglary, fire, liability, or business interruption.

3. Make Payment & Get Policy Instantly

Pay online and receive your e-policy directly in your inbox.

We Help You Recover Quickly

How to File a Property Insurance Claim

01

Inform the Insurer Immediately

Notify your insurer about the damage or loss as soon as possible.

02

Submit Claim Documents

Share the filled claim form, photographs, FIR (if applicable), invoices, and property ownership proof.

03

Inspection & Settlement

The insurer assesses the damage and processes the claim based on your policy terms.

Know Before You Insure

Frequently Asked Questions About Property Insurance

Property insurance can be purchased for residential homes, commercial buildings, rented spaces, offices, shops, warehouses, and industrial plants. Coverage is available for both structure and contents, depending on the policy selected.

Yes. Fire, explosion, lightning, and even short circuits are typically covered under standard property insurance or fire insurance policies. You can also opt for add-ons for enhanced protection.

Yes. Tenants can purchase content-only property insurance to cover their belongings such as furniture, electronics, and valuables while the landlord insures the building.

Home insurance typically refers to policies for individual residential properties, while property insurance is a broader term that includes residential, commercial, and industrial properties.

General exclusions include intentional damage, wear and tear, war or nuclear risks, and damage from illegal activities. Always read your policy wording carefully for the complete exclusion list.

Premiums are based on factors such as property location, construction type, sum insured, usage (residential/commercial), and selected add-ons. Higher-value or high-risk areas may attract higher premiums.

Yes, certain policies allow you to insure properties under construction against fire, natural disasters, and theft of construction material. However, coverage is limited and varies by insurer.

Once all necessary documents and assessments are completed, most insurers settle claims within 10–15 working days. Large or complex claims may take more time based on investigation and approval.

Generally, changes to the sum insured are allowed at the time of renewal. However, for significant improvements or asset additions, you may request a mid-term endorsement with approval from the insurer.

Yes, bills or invoices help establish the value of contents. If not available, insurers may accept market value estimates or perform a valuation. Providing photographs and purchase proofs helps ensure smooth claim settlement.

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