Building / Structure Cover
Insures the physical structure of your home or commercial property against fire, lightning, explosions, storms, floods, and earthquakes.
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Your home or commercial property is likely one of the largest investments you'll ever make. In Kerala, where monsoon flooding and natural calamities are a real risk, property insurance protects that investment against fire, theft, floods and accidental damage — turning potentially catastrophic losses into manageable claims.
As property insurance advisors in Kerala, we help homeowners, landlords, tenants and business owners choose the right combination of building/structure cover, home contents cover, flood and natural-peril protection, and tenant-friendly add-ons. From a small apartment to a multi-location commercial portfolio, the principle is the same: protect what you have built.
Comprehensive protection designed for real-world needs and unexpected situations.
Insures the physical structure of your home or commercial property against fire, lightning, explosions, storms, floods, and earthquakes.
Protects furniture, appliances, electronics, jewellery, and personal valuables inside the premises against theft, fire, and accidental damage.
Comprehensive protection against fire, lightning strikes, explosions, riots, strikes, malicious damage, and impact damage by vehicles or aircraft.
Covers losses from break-ins, theft, and attempted burglary — including damage to doors, windows, and locks caused during the act.
Protection against floods, earthquakes, cyclones, landslides, and other natural perils — vital in regions prone to these events.
If your home becomes uninhabitable after a covered event, the policy covers rent for temporary accommodation while repairs happen.
Real reasons clients choose this protection and stay protected for the long term.
For most families, the home is the single largest financial asset. Insurance ensures it's rebuildable even after a major loss.
Property insurance premiums are typically modest — a fraction of a percent of the property value annually for comprehensive cover.
Many home loan lenders require building insurance throughout the loan tenure to protect the asset that backs the mortgage.
Choose a wide-ranging package policy or a specific peril (fire-only, burglary-only) depending on your risk profile and budget.
Identical principles apply whether you're insuring a flat, an independent house, a warehouse, or a multi-story commercial building.
Renters can insure their belongings even when they don't own the building — affordable cover for furniture, electronics, and valuables.
Protecting homes, apartments and commercial buildings across Kerala — your questions answered.
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View DetailsSpeak with an InsureWise advisor for a personalized recommendation — free, transparent, and tailored to your needs.