One fire, flood or burglary can destroy in one night what took decades to build. Yet most Indian shops and homes remain completely uninsured — even though a shopkeeper package policy costs less per day than a cup of tea.
We arrange comprehensive protection for your shop — building, stock, furniture, cash and even public liability — and for your home — structure and contents — against fire, theft, burglary, floods, earthquakes and more. Sums insured are set realistically so claims actually restore your losses.
Who Needs Shop & Home Insurance?
- Kirana stores, garment shops & showrooms
- Electronics, mobile & jewellery shops
- Godown & warehouse owners
- Homeowners protecting structure & valuables
- Tenants insuring household contents
Why Choose Advika Enterprises for Shop & Home Insurance
- Fire, burglary, theft & natural calamity cover in one package
- Stock-in-trade covered at realistic market values
- Optional covers: cash in counter/transit, signage, plate glass, public liability
- Home structure + contents combos at low premiums
- Claim assistance with surveyor coordination and documentation
Documents Required
- Shop/home address & ownership or rent proof
- Approximate value of stock/contents
- KYC (Aadhaar/PAN)
- Photos of premises
- Previous policy (if renewing)
📱 Just send photos of your documents on WhatsApp — our team verifies everything before filing.
How It Works — Our Simple Process
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1
Risk Assessment
Tell us about your shop/home, stock value and location on a quick call.
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2
Tailored Quote
We design the cover — the right sections, realistic sums insured, best insurer.
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3
Policy Issued
Digital policy delivered; simple photo documentation completes the file.
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4
Claim Support
In a loss event, we coordinate the surveyor and paperwork to settlement.
Ready to get started with Shop & Home Insurance?
Free consultation • Transparent pricing • Expert handled
Frequently Asked Questions — Shop & Home Insurance
How much does shop insurance cost?
A small shop with ₹5–10 lakh stock can often be covered for just a few thousand rupees a year. Exact premium depends on stock value, construction and location.
Is theft covered or only fire?
Shopkeeper package policies cover burglary and housebreaking along with fire and allied perils. Simple theft without forcible entry has conditions — we explain clearly before you buy.
I am a tenant — can I still insure my shop?
Yes. You can insure your stock, furniture, fixtures and improvements even in a rented premises; the building itself is the owner's to insure.
Are floods and earthquakes covered?
Yes, standard fire policies (Bharat Sookshma/Laghu Udyam) include STFI (storm, typhoon, flood, inundation) and earthquake can be added — we include it where relevant.