Exux Group · Fire Insurance
Safeguard What You've Built — Against the Unpredictable
A single fire incident can destroy in minutes what took years to build.
Fire insurance protects residential, commercial and industrial properties against fire and a wide range of allied perils. Exux Group helps you structure cover that genuinely matches your property's value, contents and risk profile.
What it covers
Fire — and everything that often comes with it
Modern fire policies cover much more than fire alone. From lightning and explosion to riot, storm, flood and water-tank bursts — we structure cover for the realistic mix of risks your property faces.
Fire & Lightning
Damage from fire (including electrical short circuits), lightning strikes and accidental ignition.
Explosion & Implosion
Coverage for damage caused by explosions, implosions and pressure-vessel failures.
Storm, Flood & Cyclone
Allied-peril extension for natural disasters including storm, tempest, cyclone, flood and inundation.
Riot, Strike & Malicious Damage
Cover for damage caused by civil unrest, strikes and intentional malicious acts.
Aircraft & Impact Damage
Damage caused by aircraft, falling objects, missile testing impact and similar perils.
Water Tank & Pipe Burst
Damage caused by bursting or accidental overflowing of water tanks, pipes and apparatus.
By the numbers
Where fire claims actually originate
Where fire claims actually originate
Causes of insured fire losses across Indian properties
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Electrical short circuits#1 cause of insured fires41%
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Industrial / machinery failure18%
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Cooking & kitchen incidents14%
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Storage of flammables10%
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Lightning & natural causes9%
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Arson, riot & malicious damage8%
Indicative claim mix from Indian general insurance data. The right cover plus annual electrical safety audits dramatically reduce risk.
Why borrowers & families pick Exux
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Multi-insurer competitive quotes
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Transparent inclusions, exclusions & claims
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Hand-held claim settlement support
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Bundle with burglary, machinery & liability
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Discounts for fire-safety certified premises
Who is it for?
Whether you own a home, run a shop or operate a factory — fire insurance is the foundation of property protection.
- Homeowners and housing societies
- Retail shops, showrooms and office buildings
- Warehouses, factories and industrial plants
- Stock & inventory, plant & machinery, contents
Property Documents
- Title deed / sale agreement / lease deed
- Latest property tax receipt
- Layout / floor plan of the premises
- Recent photographs (interior + exterior)
KYC & Valuation
- PAN + Aadhaar of policyholder / firm
- GST registration (for commercial units)
- Valuation report for plant, machinery & stock
- Previous policy copy (if renewal)
Curated Insurer Network
Our Insurance Partners
We compare quotes from India's most trusted general and life insurers — so you see the best price, the best coverage, and the best claim record in one place.
Protect your property, your business and your peace of mind
Talk to Exux Group's fire insurance advisors today for a tailored, transparent quote.