Beyond health, life and vehicles, many families and business owners have assets that are rarely insured: the house itself, its contents, a shop's stock, or a trip abroad. A fire, burglary or flood can cause losses that take years to recover from.
General insurance covers these risks. Home insurance protects the structure and contents. Shop and fire policies cover stock, furniture and equipment. Travel insurance handles medical emergencies and trip problems abroad, and liability policies cover claims made against you or your business. We help you pick the right sum insured and understand what is excluded.
Who it suits
- Homeowners and landlords
- Shop owners and traders
- Families travelling abroad
- Doctors and professionals
How Other General Insurance works
- 1
List what you own
Note the value of the building, contents, stock and equipment, or the details of your trip.
- 2
Set the sum insured
Insure at a realistic value. Under-insurance usually means a proportionate cut in any claim.
- 3
Choose covers and add-ons
Pick perils like fire, flood, burglary and earthquake, and add-ons that fit your situation.
- 4
Keep records
Save bills, photos and stock registers. They make claims far easier to document.
- 5
Claim promptly
Inform the insurer and police where needed. We help you prepare documents and coordinate with the surveyor.
Why families choose it
Home protection
Covers the house structure and contents against fire, natural calamities, burglary and similar risks.
Business continuity
Shop and fire policies help traders restart after damage to stock, fittings or premises.
Travel emergencies
Travel insurance covers medical treatment abroad, trip delays, lost baggage and passport loss.
Liability cover
Public and professional liability policies pay legal costs and compensation claims against you.
Affordable premiums
Home and shop policies usually cost little compared with the value they protect.
What to check before you buy
- Under-insurance can reduce every claim proportionately, so update the sum insured as values rise.
- Wear and tear, gradual damage and poor maintenance are usually excluded.
- Stock policies need proper records; claims without bills or registers are hard to prove.
- Travel policies often exclude pre-existing conditions unless declared and accepted.
Tax treatment
Premiums for home, travel and personal liability insurance are generally not deductible for individuals. For business premises, stock and professional liability, the premium may be treated as a business expense. Confirm with your tax professional.
For families in Tirupati
Tirupati has a large trading community, from shops near the temple routes to wholesale businesses serving pilgrims, and much of their capital sits in stock. Heavy rain has caused flooding in parts of the district in past years, and many families have children studying or working abroad. We help shop owners, homeowners and travelling parents choose cover that matches these real risks.
Frequently asked questions
What does home insurance cover in India?
Home insurance covers the building structure, its contents, or both, against fire, floods, storms, earthquakes and burglary, depending on the policy. Premiums are usually modest compared with the value protected. Check the sum insured and exclusions carefully, especially for valuables and jewellery.
Do shopkeepers need fire insurance?
Yes, it is one of the most useful covers for traders. A fire or short circuit can destroy stock, furniture and equipment in minutes. A shop or fire policy helps pay for the loss, and some add burglary and business interruption cover.
Is travel insurance needed for a trip abroad?
It is strongly worth having, and some countries require it for a visa. Medical treatment abroad can be very expensive. Travel insurance covers medical emergencies, trip delays, lost baggage and passport loss, depending on the plan you choose.
What is under-insurance in property insurance?
Under-insurance means the sum insured is lower than the actual value of the property. In that case, insurers usually reduce the claim in the same proportion. For example, if you insure half the value, you may receive only about half of the loss.
What is professional liability insurance for doctors?
It covers legal costs and compensation if a patient alleges negligence or error in treatment. Doctors, clinics and other professionals use it to protect their savings from claims. The policy limit, retroactive date and exclusions should be checked before buying.
Insurance is the subject matter of solicitation. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. This page is for general information and is not a recommendation to buy any specific product.
Last reviewed 12 Oct 2026.