Who can be insured?

Any individual or legal person owning housing property (at least X% of total usable area of the real estate) who has valuable interest in insured property.

What is insured? 

The insurance contract covers:

- death or permanent disability of the Insured, his/her spouse, children, parents and other individuals living together with the Insured;

- housing buildings, extensions (garage, pool, storehouse etc.), in-house goods (household appliances, furniture, clothes, electric home equipment, etc.);

- civil liability of the Insured, his/her spouse, children, parents and other individuals living together with the Insured.

What risks does the insurance cover?

- fire, lightning, explosion, accidental fall of objects, hits by vehicles, damage caused by animals, sonic boom;

- earthquake; flood/alluvia, storm, hurricane, tornado, hail, downpour, land depression and/or landslide, avalanche, heavy snow and/or ice;

- vandalism (within the amount of x euros with a possibility of extending the limit);

- strikes/insurrections/civil disorders/terrorism (within the amount of X euros);

- water icing in pipelines/reservoirs following an accident at the heating station;

- flood from neighboring apartments or following accidental breakage of water pipelines/ sewage/ reservoirs/ faucet damage;

- burglary /robbery;

- accidents, such as: sunstrokes, frostbites, asphyxia, burns, drowning, hits, pricks, cuts, explosions, land depressions/landslides, lightning/electrocution, attack by a person/animal;

- damage for which the Insured or other persons included in the insurance are legally liable to injured third parties and which are caused by certain actions/acts committed by them through their own fault, by objects and animals under their legal safeguard and due to building destruction (owned by the Insured), within the insured period and in the insured location.

What are the advantages?

-- It is a complex umbrella insurance covering a wide range of risks;

-- The product offers additional free protection in case of:

- damage caused to buildings/other constructions in which insured property is located as a result of burglary/attempted theft;

- costs of renting another dwelling for the period while the insured housing is unsuitable for living due to insurance event occurrence;

- damage caused to insured property by flood as a result of neglect on the part of the Insured/persons included in the insurance (only once within the insured period);

- damage caused to insured property by accidents or destructions related to rescue measures taken during insurance event occurrence;

- costs of preventing/limiting damage / clearing the place of insured event / intervention of the fire brigade / damage survey;

-- Flexible offer due to optional extensions depending on requirements of the Insured, in order for the insurance to also include:

- persons permanently living and keeping the house with the Insured;

- buildings in the process of construction owned by the Insured;

- money and valuable goods;

- risks specific to breakable goods;

- accidents at heating stations;

- loss of income from lending as a result of insured risk occurrence;

- risks related to animal companions;

- financial losses in case of unauthorized use of bank cards owned by the Insured;

- Upon prolongation of the insurance contract the Insured receives premium discounts if indemnities for the previous year have not been paid or are not owed.

What is the cost of the insurance?

The insurance premium is accessible, as it is determined based on the coverage level (covered risks), location and construction features of buildings, year of construction and insured amounts.

 

 

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