Home and household goods insurance

Home insurance is a policy that protects the property against specific risks that could result in material damage or financial loss. Its purpose is to provide protection against unforeseen events such as fires, floods, theft, or other emergencies that may affect the home or belongings inside.

The following types of assets are eligible for insurance:

• Residential spaces (apartments, houses, villas, seasonal homes);
• Household constructions (garages, warehouses, sheds, covered land, and enclosures, etc.);
• Separate rooms (workshops, laboratories, offices, etc.);
• Interior items, furniture, fittings, household appliances, office equipment;
• Unfinished construction objects;
• Glass, mirrors, display cases, and similar items;
• Interior finishing of rooms;
• Inventory, technical equipment;
• Values in goods and materials (production, goods, raw materials, materials).

Liability Insurance Towards Third Parties (Neighbors)

In the case of insuring homes and/or constructions, the Insured is entitled to additionally insure their civil liability by paying the corresponding portion of the insurance premium.Civil liability insurance protection is provided in case of accidental damage caused by the Insured through their own fault, negligence, or carelessness, as well as by objects or animals belonging to them, to the life, health, or property of third parties (neighbors) located within the insured home and/or construction or in its vicinity.

Risks That May Be Covered When Concluding the Insurance Contract:

Property can be insured in case of total loss or partial damage resulting from the following events:

• Fire;
• Earthquake;
• Landslides;
• Natural phenomena: storm, lightning strike, whirlwind, hurricane, tornado, floods, emergence of underground waters, overflow of waters, ice movement, hailstorm, ice, heavy snowfalls;
• Explosion;
• Water damage - damages caused by breakdowns of water supply and sewage systems, heating systems, and fire prevention systems, water infiltration into the insured area from other premises;
• External actions - damage or destruction of insured property as a result of accidents involving land, water transport vehicles, or self-propelled machinery, the fall of piloted aircraft or their parts;
• Illegal actions of third parties: burglary, robbery, theft, damage, or destruction of insured property or its parts;
• Breakage of glass in windows, showcases, and other similar installations.