It protects your building structure, including roofs, floors, walls and permanent fixtures, and its contents against against unforeseen events and disasters.

For Residential

Protects residential properties—including independent houses, apartments, villas, and their internal contents—against financial loss from unexpected disasters, accidents, and theft.

For Non Residential 

Non-residential properties are broadly covered under standardized enterprise policies (such as the Bharat Sookshma Udyam Suraksha for smaller enterprises up to ₹5 crores, or Bharat Laghu Udyam Suraksha for assets between ₹5 crores and ₹50 crores).

For Shopkeepers – Merchant’s

This plan can be taken by small shopkeepers selling goods, where minor repair work is carried on incidental to the main business of selling. Shop building value and contents value does not exceed INR 10 crores.