The Special Policy

SPECIAL POLICY

Sometimes, homeowners like you seek special luxury options and non-standard coverages. While existing policies may lack coverage for specific items, this policy is designed to offer exclusive protection for your home, property, and household.

By offering tailored coverage for higher-value items in your home, we aim to make you feel confident that your valuable appliances, equipment, and other possessions are well protected through personalized negotiations.

Burglary and robbery coverage limit is up to the sum insured.

The policy also offers options for additional risks such as:

• Flood, torrent and high waters
• Subsidence
• Snow avalanche
• Earthquake
• Glass Breakage

Earthquake Risk Coverage

• It covers compensation for losses or damages caused by an earthquake with a magnitude of 3.5 or greater on the Richter scale.
• It also covers losses resulting from non-structural cracks in buildings if you buy no-deductible coverage.
• Depending on your decision, we will negotiate whether you participate or not in the loss (deductible).

Note: This insurance does not cover losses or damages resulting from wear and tear or deterioration.

Temporary accommodation cost

In case the loss or damage to your dwelling is so severe that living becomes impossible, the policy shall cover the cost of temporary accommodation.

Example:

• Cost for renting a furnished residence of a similar size, according to the market price valued in the area of the insured location, until your insured property is restored to normal living conditions.
• Removal costs of personal effects and assets of the Insured if the Insured decides to move entirely out of the insured location to another location.

Third Party Liability Insurance

This insurance is optional under all policies. It applies to your protection if damage to neighbouring buildings and individuals is caused by your household or property.

Example:

You cause loss or damage resulting from a water escape to the neighbouring apartment, or your neighbour suffers damage due to fire in your home.

Discounts

• Renewal
• No claim bonus
• Deductible
• A group of buildings
• Special discount as a part of the FAMILY PACKAGE
• Advance premium payment
• For 5- or 10-year period of insurance
• Several insurance policies
• Own certified alarm systems, safe doors, code-key vaults, etc.

Payment Benefits

Possible payment in installments.

Direct debit from your bank account by standing order.