Home and property insurance protects against fire, lightning and other potential incidents that may require repair or replacement of your home and belongings.

Homeowners insurance coverage is an important responsibility of owning a home, as it adds a layer of financial protection for what may be you and your family's biggest investment. There are different kinds of homeowners insurance policies, so it's important to understand what homeowners insurance is and how a homeowners policy actually works.

Details of Home and Property insurance offered by some of the leading insurance companies in Nepal as follows:

1. Siddhartha Insurance Limited
> Property Insurance
This is a comprehensive policy that covers property such as residential houses, factories, shops, showrooms, hospitals, stocks and other forms of assets against fire and lightening related, storm related, water related, land related, subsidence related, Explosion related etc risk.

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2. Everest Insurance Company Limited
> Household Insurance
Home is where the heart lies and it is the greatest possession of one’s life. Everybody seeks to give the best possible protection to their home. Home cannot be protected by only keeping various security measures available. It is exposed to various risks like Fire, Burglary, Riot, Strike, Malicious Damage, Sabotage, Terrorism and also other natural disaster and / or calamities like Flood, Storm, and Earthquake etc. Sometimes a small mistake can cause huge loss to the property. Household Insurance Policy provides the comprehensive coverage against different risks. So be prudent and buy Household Insurance Policy.

> Fire Insurance
This policy provides the coverage against loss or damage caused by Accidental Fire and Lightning. On payment of additional premium Property Insurance Policy can be extended to cover the loss or damage caused by other allied perils of fire e.g. Earthquake, Riot & Strike, Malicious Damage, Terrorism, Explosion, Storm & Flood, Landslide & Subsidence, Aircraft & Aerial Damage, Impact Damage by Vehicles & Animals etc.

The properties that can be insured under this insurance are Office & Residential Building, Factory Building, Plant & Machinery and contents, various equipment’s, stocks etc.

> Burglary & Housebreaking Insurance
This policy covers for any loss or damage by burglary with forcible & violent entry into the insured premises. This policy can only be allied with fire insurance.

Properties that can be insured under Burglary & Housebreaking insurance are Office Equipments, Stocks, Various equipment’s etc.

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3. Shikhar Insurance Company Limited
> Household Insurance
Home is where the heart lies and it is the greatest possession of ones life. Everybody seeks to give the best possible protection to their home. Home cannot be protected by only keeping various security measures available. It is exposed to various dangers like Fire, Burglary, Riot, Strike, Malicious Damage, Sabotage, Terrorism and also other natural calamities like Flood, Storm, and Earthquake etc. Sometimes a small mistake can cause huge loss to the property. Shikhar Household Insurance Policy provides the comprehensive coverage against the above mentioned risks. So be prudent and buy Shikhar Household Insurance Policy.

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> Fire & Allied Peril
One can never be certain as what future holds. Sometimes one cannot avoid mishaps despite taking proper precautionary measures due to many reasons. Sometimes one may have to loose huge investment because of various risks including natural calamities.

Shikhar Fire and Allied Perils Insurance covers loss due to Fire with extension of Earthquake, Riot, Strike Damage, Malicious Damage, Terrorism, Storm, Flood, Typhoon, Aircraft and Aerial damage etc. Choose your own protection.

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4. Neco Insurance Company Limited
> Household Insurance
Household policy is a type of property insurance that covers the damage of private residence. It also provides liability coverage against accidents in the home, on the property and personal insurance protections. It includes the protection against the windows, electronic appliances, sanitary equipment, furniture, compound walls, television, etc. This policy gives the protection against fire, explosion, earthquake, lightening, flood, aircraft damage, burglary, Riot Strike Malicious damage, terrorism etc.

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5. Rastriya Beema Company Limited
> Property Insurance
Under this insurance policy, the main risk covered is Property. Also included under this scheme are the risks arising from lightning, losses resulting from earthquake, hooliganism and strikes, malicious acts, terrorism, explosion, floods, inundation, cyclones and windstorms, landslides, aero plane or accidental drop of goods from aero plane, etc.

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6. Himalayan General Insurance Company Limited
> Household Insurance
Your home is your own special space of warmth created by the perfect blend of people, emotions and objects. Our Household Insurance Policy covers private dwellings and/or household contents (including computers and ancillary equipments) against perils such as fire, natural calamities, theft or attempted theft, loss of rent or cost of alternative accommodation, legal liability to members of the public as a house owner, and personal accidents.

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> Fire Insurance
Your organisation is your investment…the source from which you support your growth, your family, and your stakeholders. Given the diversity of people who are affected, directly or indirectly, by your organisational assets, it is but a case of prudence that it is adequately protected. We are here to facilitate this simple, yet significant, decision of yours.

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7. Sagarmatha Insurance Company Limited
> House/Property Insurance
Any strong building can collapse just within few sec and there's nothing we would be able to do about it. People around us would only watch the creation of our hard work crumble whatever the reason may be. Friends and Families are always there when the time is good but only Insurance Company will be there when the time goes wrong. Therefore, in order to reduce your stress and secure you from all the financial burden we introduce Sampati Bima.

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8. NLG Insurance Company Limited
> Property Insurance
Your valuable properties (building, machine, furniture & fixtures, stock etc) take years to build and needs your careful planning in terms of its protection. It supports not just your livelihood, but that of all individuals and their families directly and indirectly connected with it. Good sense would dictate that it is adequately protected with a Property Insurance Policy from NLG. The Standard Property Insurance Policy covers loss or damage caused by Fire, Earthquake, Lightning, Riot, Strike and malicious damage, Terrorism etc. to the insured property, including computers and ancillary equipments.

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9. Lumbini General Insurance Limited
> Property Insurance
Property Insurance is a contract of indemnity against loss due to Fire, Lightening, Earthquake, Flood, Inundation, Landslide, Storm, Hurricane, Aircraft Damage, Impact Damage, Explosion, Implosion, self-Ignition,  Riot, Strike Damage, Malicious Damage, Sabotage/Terrorism to the insured Building and Property.

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10. Nepal Insurance Company Limited
> Property Insurance
Property Insurance  provides the coverage against loss or damage caused by Accidental Fire and Lightening. The properties that can be insured under this insurance are Office & Residential Building, factory Building, Plant & Machinery and various types of equipment. Standard Fire Insurance policy covers perils: Fire, Lightning, and Earthquake. It may include coverage against loss by windstorm or earthquake and other allied risks when such risks are covered by an extension to fire insurance policies or under separate policies.

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11. Premier Insurance Company Limited
> Property Insurance
We have the policy to protect your properties under various uncertainties. The policy includes all types of properties. The risk with this policy covers nearly almost all kinds of natural calamities along with Impact damage, aerial damage, RSD/MD/ST risk, theft/burglary, explosion/implosion damage, self-combustion, and Missile Testing Operation damage.

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12. IME General Insurance Limited
> Fire / Property Insurance
We can never be certain as what future holds. Sometimes we cannot avoid risks despite taking proper precautionary measures due to many reasons. Sometimes one may have to lose huge investment because of various risks including natural calamities. Our Fire and Allied Perils Insurance covers loss due to Fire with extension of Earthquake, Riot, Strike Damage, Malicious Damage, Terrorism, Storm, Flood, Typhoon, Aircraft and Aerial damage etc.

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13. Prabhu Insurance Company Limited
> Household Insurance
Under this insurance the company will indemnify the insured against loss of or damage to the private dwelling house and the household contents therein by any of the following perils without an extra premium. The main objective of this is to protect the fixed assets of the service holders. The sum not exceeding Rs. 5,000,000 can be insured against the risks mentioned below.
- fire, lightning, explosion of domestic appliances and earthquake
- storm and flood & Inundation
- subsidence and landslide
- riot and strike, terrorism
- malicious damage
- burglary and housebreaking
- damage caused by vehicle or animal

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> Fire Insurance
Fire insurance covers all kinds of mobile and immobile property having pecuniary value which includes buildings, plants, machinery, furniture, fixtures and fittings, household articles, stocks and merchandise etc.

Fire policy can be extended to cover:
- earthquake
- riot and strike damage, terrorism
- malicious damage
- storm, tempest, flood and inundation, landslide
- aircraft damage or articles dropped there from
- damage caused by vehicle or animal

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> Burglary & Housebreaking Insurance
This insurance is intended to cover contents of premises against loss or damage by burglary and/or by housebreaking. Here the burglary and housebreaking are defined as theft involving entry to or exit from the insured premises by forcible and violent means. It is a general condition of this policy that a watchman or a security guard is available in the premises on a 24 hour basis.

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14. Prudential Insurance Company Limited
> Burglary and House Breaking Insurance
Covers all kind of goods and movable properties housed in buildings/ go downs / factories against the risks of burglary and house breaking.

> Fire Insurance
Any asset and Property can be insured under fire insurance. The fire policy can be extended to cover natural calamities and riot & strikes, malicious damage, sabotage & terrorism risks.

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15. United Insurance Company (Nepal) Limited
> Property Insurance
Property Insurance Policy is a comprehensive policy that covers property such as Buildings, Factories, Shop, stocks, Showrooms, Hospitals and other forms of assets against natural perils such as Fire and lightening related, Storm related, Water related, Land related, Subsidence related, Explosion related, Riot, Strike &Terrorism related risks.

UICL provides three different types of policy in this Insurance:
- Home Insurance
- General Property Insurance
- Lop Industrial/Commercial Risk Property

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16. Sanima General Insurance Ltd.
> Property and House Insurance
We can never be certain as what future holds. Sometimes we cannot avoid risks despite taking proper precautionary measures due to many reasons. Sometimes one may have to lose huge investment because of various risks including natural calamities.

Sanima Property insurance provides protection against most risks to property, such as fire, theft and some damages due to natural calamities. This includes specialized forms of insurance such as:
- Sampati Beema (Property)
- Ghar Beema (Household Insurance)
- Loss of Profit
- Shop Keepers

It covers all the causes of loss not specifically excluded in the policy. This include damage resulting from earthquakes, floods, nuclear incidents, acts of terrorism, Aircraft and Aerial damage and other damage-causing events as fire, lightning, explosion, and theft. As per the need of insured, benefits can be extended.

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17. Ajod Insurance Limited
> Property Insurance
A Property Insurance Policy is a comprehensive policy which covers property loss or damage due to human and natural risks such as Fire and Lightning, Earthquake, Landslide/Rockslide, Storm/Hurricane, Flood and Inundation, Aircraft damage, Impact damage Explosion/Implosion, Riot, Strike Damage, Malicious Damage, Sabotage and Terrorism and all kinds of natural calamities.

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18. General Insurance Company Nepal Limited
> Property Insurance
Property Insurance is the protection from any kind of moveable or immovable property which sould have pecuniary value . such as - Building Plant Machinery,Shops ,Stocks,Factory,Furniture & Fixture,Household etc.

The Policy Covers
- Fire
- Earthquake
- Storm Flood Indundation
- Air Craft Damage
- Explosion
- Land slide
- Impact Damage
- Riot Strike Damage malicious damage sabotage & Terrorism

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> Household Insurance
Household Insurance policy provides the comprehensive coverage against Fire, Burglary, Riot, Flood, Storm and Earthquake & Personal Accident of the property owner.

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