Property Insurance Online for your Home, Shop, Office & Building

The primary purpose of Property Insurance is to help cover for your property and its contents. For example, if you are protecting your home with property insurance; it will cover for any physical damages and losses to your house, and your personal belongings.

The primary purpose of Property Insurance is to help cover for your property and its contents. For example, if you are protecting your home with property insurance; it will cover for any physical damages and losses to your house, and your personal belongings.

No, property insurance is not mandatory yet by Indian laws but is highly recommended to avoid potential losses.

No, property insurance is not mandatory yet by Indian laws but is highly recommended to avoid potential losses.

Reinstatement/Replacement is the reconstruction of buildings or replacement, repair or partial replacement of other property lost or destroyed. Reinstatement/ Replacement Value is the amount at which the Insured Property can be reinstated or replaced by a similar property, without deducting depreciation.

Reinstatement/Replacement is the reconstruction of buildings or replacement, repair or partial replacement of other property lost or destroyed. Reinstatement/ Replacement Value is the amount at which the Insured Property can be reinstated or replaced by a similar property, without deducting depreciation.

Factors such as the nature of the business, size, contents of the insured property and the location of the property, affect the payable premium amount.

Factors such as the nature of the business, size, contents of the insured property and the location of the property, affect the payable premium amount.

Since Jewellery in itself is a significant possession, it is not covered but, you can opt for the add-on and extend your coverage to protect for your jewellery items at home.

Since Jewellery in itself is a significant possession, it is not covered but, you can opt for the add-on and extend your coverage to protect for your jewellery items at home.

Yes, debris removal is covered under Property insurance up to a specified percentage. It is best to check with your insurer about such clauses just to be sure.

Yes, debris removal is covered under Property insurance up to a specified percentage. It is best to check with your insurer about such clauses just to be sure.

In Bharat Sookshma Udyam Suraksha policy, there is a waiver of underinsurance up to 15%. Underinsurance waiver cancels out the risk of being underinsured. Your insurance company agrees that it won’t check the actual value of your contents in case of a damage. In simple terms, when a waiver of underinsurance applies, the insurer agrees not to check whether or not a policyholder is underinsured when they make a claim.

In Bharat Sookshma Udyam Suraksha policy, there is a waiver of underinsurance up to 15%. Underinsurance waiver cancels out the risk of being underinsured. Your insurance company agrees that it won’t check the actual value of your contents in case of a damage. In simple terms, when a waiver of underinsurance applies, the insurer agrees not to check whether or not a policyholder is underinsured when they make a claim.

Anything that is not permanently attached or fixed to the structure of your property, falls under the contents of your property. When purchasing your policy, you will have to declare the contents you want covered. For e.g., in office buildings, contents like gadgets, chairs and tables, electrical appliances, etc fall under contents. In properties like shops and stores, contents such as items for sale in the stores (like groceries, crockery, fabric, goods, etc.), cashier counter contents etc will be covered. In the case of homes, contents like your home gadgets, kitchenware, furniture, television sets, and any other home appliance, will be covered under contents.

Anything that is not permanently attached or fixed to the structure of your property, falls under the contents of your property. When purchasing your policy, you will have to declare the contents you want covered.

For e.g., in office buildings, contents like gadgets, chairs and tables, electrical appliances, etc fall under contents.

In properties like shops and stores, contents such as items for sale in the stores (like groceries, crockery, fabric, goods, etc.), cashier counter contents etc will be covered.

In the case of homes, contents like your home gadgets, kitchenware, furniture, television sets, and any other home appliance, will be covered under contents.

In case of damage or loss to your stock during an insured event, you will be covered under your property insurance. Additionally, an in-built cover is available for the temporary relocation/accommodation of stocks. Please go through the policy document thoroughly to know more.

In case of damage or loss to your stock during an insured event, you will be covered under your property insurance. Additionally, an in-built cover is available for the temporary relocation/accommodation of stocks. Please go through the policy document thoroughly to know more.

Digit insurance covers your property for fire and natural calamities through our Go Digit Bharat Laghu Udyam Suraksha, Go Digit Bharat Sookshma Udyam Suraksha and for Home, Go Digit, Bharat Griha Raksha Policy. Some cases we do not cover are mentioned below: If you deliberately, wilfully or intentionally act to cause damage or destruction. War, invasion, war-like operations, civil war/commotion amounting to a popular rising, military rising, rebellion, etc. Loss, destruction or damage to the stocks in cold storage premises caused by change of temperature. Loss or damage to any Insured Property removed from Your Premises to any other place except for machinery, stock or equipment meant for repairs, cleaning, etc. Pollution or contamination, unless (i) the pollution or contamination itself has resulted from an Insured Event, in which case only physical damage to the Insured Property is covered, or (ii) an Insured Event itself results from pollution or contamination. To know more about what’s covered and not covered, please refer to the policy documents.

Digit insurance covers your property for fire and natural calamities through our Go Digit Bharat Laghu Udyam Suraksha, Go Digit Bharat Sookshma Udyam Suraksha and for Home, Go Digit, Bharat Griha Raksha Policy.

Some cases we do not cover are mentioned below:

• If you deliberately, wilfully or intentionally act to cause damage or destruction.
• War, invasion, war-like operations, civil war/commotion amounting to a popular rising, military rising, rebellion, etc.
• Loss, destruction or damage to the stocks in cold storage premises caused by change of temperature.
• Loss or damage to any Insured Property removed from Your Premises to any other place except for machinery, stock or equipment meant for repairs, cleaning, etc.
• Pollution or contamination, unless (i) the pollution or contamination itself has resulted from an Insured Event, in which case only physical damage to the Insured Property is covered, or (ii) an Insured Event itself results from pollution or contamination.

To know more about what’s covered and not covered, please refer to the policy documents.

Renewal of your property insurance is not automatic. The policy will expire at the end of the policy period. If you wish to renew your policy, you must apply for the same before the end of the policy period and submit the required documents while paying the necessary premium amount. When renewing your Property Insurance policy with Digit, we will send you a reminder before your policy can expire. You can simply click on that link, fill in your details and renew your policy.

Renewal of your property insurance is not automatic. The policy will expire at the end of the policy period. If you wish to renew your policy, you must apply for the same before the end of the policy period and submit the required documents while paying the necessary premium amount.

When renewing your Property Insurance policy with Digit, we will send you a reminder before your policy can expire. You can simply click on that link, fill in your details and renew your policy.