Balta Homeowners insurance
- Inusrance period: 1 year
- Property type: Apartment, Private house, Tenant
- Applications: Basics, Standard, Smart
- Available to buy online: Yes -25%
- 24/7 Housing Assistance: Yes (but not included in the Basic Program)
- Standard coverage includes:
- Fire
- Explosion
- Natural Disasters
- Liquid or vapor leak
- Illegal actions of third parties
- Vehicle impact
- Price: Starting from 28.00 EUR per year
- Split payment: The policy payment can be split.
- Terms: Read terms
- Information document: Read the information document
CALCULATE POLICY
IF Homeowners insurance
- Inusrance period: 1 year
- Property type: Apartment, Private house, Summer house
- Programs: Named Risks, All Risks
- Available to buy online: Yes
- 24/7 Household Assistance: Yes
- Standard coverage includes:
- Fire and storm
- Theft and vandalism
- Leakage from neighbors or risers
- Price: Starting at 16.56 EUR per year
- Split payment: The policy payment can be divided into 4 parts.
- Terms: Read terms
- Information document: Read the information document
CALCULATE POLICY
BTA Homeowners insurance
- Inusrance period: 1, 2, and 3 years
- Property type: Apartment, Private house
- Programs: Named Risks, All Risks
- Available to buy online: Yes
- 24/7 Household Assistance:
- Standard coverage includes:
- Fire - lightning, explosion, fire, fire extinguishing effects, smoke, soot
- Natural disasters - the weight of storms, hail, snow or ice
- Leakage of liquid or vapor - sewer, heating, ventilation, household appliances, piping
freezing / tearing, flooding caused by neighbors
- Illegal actions of third parties - theft, robbery, malicious damage to property,
vehicle impact
- Tree, mast, or pole fall
- Price: Starting at 17.97 EUR per year
- Split payment: The policy payment can be divided into 4 parts.
- Terms: Read terms
- Information document: Read the information document
CALCULATE POLICY
Gjensidige Homeowners insurance
- Inusrance period: 1, 2, and 3 years
- Property type: Apartment, Private house
- Programs: Standard, Standard Plus, All Risks
- Available to buy online: Yes, -10%
- 24/7 Household Assistance: Yes
- Standard coverage includes:
- Fire
- Natural Disasters
- Water leak
- Falling trees, masts and poles
- Burglary, vandalism, graffiti
- Reimbursement of additional expenses after the insured event
- Price: Starting at 20.60 EUR per year
- Split payment: The payment for a policy can be divided into 2 or 4 parts (for each
insured year).
- Terms: Read terms
- Information document: Read the information document
CALCULATE POLICY
What is Property Insurance
Property insurance policy pays compensation for damage to your property and personal belongings in order to
accidentally damaged to restore or purchase a new one. Below are some of the most common risks insured by property
policy:
- Natural disasters - fire, flood, storm, hail, lightning, snow or ice damage
- Plumbing, sewer, ventilation, electricity, solar panels, generators, chimney, gas, heating
equipment or household appliances malfunction or damage
- Illegal actions of other persons - intentional or unintentional damage to property, buildings or facilities, burglary,
theft of personal belongings, damage caused by tenants, vandalism
- Losses during construction
Property insurance policy can be purchased for both an apartment and a private house (including outbuildings and
facilities). Depending on the chosen home insurance program, it is also possible to insure the owner
civil liability and to include accident insurance for homeowners.
How do I choose the right property insurance
We strongly recommend that you pay attention not only to the price of the policy, but also to the insured risks included in the policy.
their limits and exceptions stipulated in the policy terms. Choose the policy that best suits yours
needs, risks that you consider important, as well as pay attention to the sum insured for you to receive
full consideration according to the value of your property. Don't forget to indicate your personal belongings to the insurer
the list you want included in your insurance policy if your insurer requires it.
When is Property Insurance useful
Example #1: A washing machine pipe has broken in an apartment and not only has it leaked
bathroom, but the water has also reached the lower floor of the neighbor's apartment. In this case, home insurance
the policy will reimburse the costs of repairs to your apartment, as well as the civil liability included in the policy
insurance will indemnify your neighbor for any unintentional loss.
Example #2: A strong storm has destroyed the yard of a private home. Suffered severely due to hail
greenhouse, a beautifully manicured seating area with all its greenery and a falling tree damaged the entrances
the gate. Property insurance will reimburse the expenses so that you can restore the damaged equipment to its condition
as it was before the accident.
Often fires are caused by an unclean chimney or a poorly designed heating system.
Purchasing an insurance policy cannot prevent an accident, but we can each take care of our own
safety and limit the possibility of accidents by regularly inspecting the condition of your property and correcting deficiencies in a timely manner.
There are many other external factors that we cannot control, so buying an insurance policy is a good guarantee that
that we will not have to cover unforeseen expenses ourselves.
What is homeownership
Property, or personal belongings, that are insured together with your property include:
- Furniture, household appliances, miscellaneous appliances, electrical appliances (including employer 's computer or other
appliances), prams, paintings
- Sports equipment such as skis, exercise machines, tennis rackets, fishing and other hobby accessories
- Vehicles - bicycles, electric scooters, motorcycles, and cars (their trailers and roof
racks)
- Cash, valuables, documents
What is a home help desk
Home help is an additional security for your property, which you can use for free at any time
during the day, even if NO accident has occurred, but specialist assistance is urgently needed. For instance,
plumbing, electrician, locksmith, roofer, carpenter, security or transportation services are required.
What is deductible
When an insured event has occurred and you have submitted a claim for compensation for your losses,
the insurer may ask you to cover the deductible from your own pocket, of course, if it is previously stipulated in the policy.
Insurers often offer their customers to insure various risks without deductibles. That means you get
insurance indemnity in full.
For example, if water leaks due to old or damaged pipes and floods have damaged part of the property, then
the experts assess the damage caused and conclude that the amount to be paid to the policyholder for the damage caused to him
losses will be EUR 8,000. When buying a policy, the policyholder has agreed to pay the deductible for this type of risk
300 EUR. Then the insurer deducts this amount of deductible from the amount payable and the policyholder for
7 700 EUR in an accident.
How can I avoid a reduced or declined indemnity
- The first step is to make sure what risks are included in your chosen property insurance program, and whether
the sums insured correspond to the value of the property and assets.
- Read the terms of the policy carefully, especially the section on exceptions.
- It is very important to provide accurate property information before purchasing a policy, and it is just as important
Follow the insurer's instructions on what to do after an accident.
If you have other questions about insurance - head over to our blog!