Whether you own a home, shop, warehouse, or office, property insurance protects you from unexpected financial losses.
In 2025, with extreme weather events, rising theft cases, and accidental damages, having the right coverage is more important than ever.
But here’s the truth — property insurance doesn’t cover everything.
Understanding exactly what’s included and excluded can help you avoid nasty surprises when filing a claim.
What Property Insurance Covers
| Covered Event | Examples |
|---|---|
| Fire & Explosion | Kitchen fire, electrical short-circuit, gas explosion |
| Natural Disasters | Earthquake, cyclone, flood, storm |
| Theft & Burglary | Break-in and stolen valuables |
| Accidental Damage | Water pipe burst damaging walls |
| Contents Cover | Furniture, appliances, electronics |
What Property Insurance Doesn’t Cover
- Wear & Tear: Gradual damage from ageing or poor maintenance
- War & Nuclear Risks: Damages from war, riots, or nuclear accidents
- Deliberate Damage: Caused intentionally by the owner
- Unoccupied Property Loss: If property remains vacant beyond policy limit
- Illegal Construction: Claims denied for structures violating building codes
Tips to Choose the Right Property Insurance in India
- Assess Rebuilding Cost — Base your coverage on actual reconstruction value, not the property’s market price.
- Cover Both Building & Contents — Protects the structure and belongings inside.
- Add Riders — Extra protection for terrorism, rent loss, and valuables like jewellery.
- Review Deductibles — A higher deductible lowers your premium but increases your out-of-pocket costs during a claim.
Case Example
Kavita’s boutique was damaged in a flood.
Her policy covered the building but not the ₹8 lakh worth of designer clothes inside.
If she had taken a contents cover add-on, she could have avoided that loss.
Why It Matters
Property insurance can be your financial lifeline during a disaster — but only if you know its scope and limits.
Don’t wait for a loss to find out what’s not covered. Share this eBharat.com guide so more property owners choose smarter protection in 2025.
Browse Insurance+ Property Plans
Compare 50+ insurance plans for homes, shops, warehouses, and offices — all in one place. Find the best coverage for fire, theft, natural disasters, and more.
100% online process • Instant quotes from top insurers • No paperwork
