{"id":20233,"date":"2017-10-18T11:13:09","date_gmt":"2017-10-18T11:13:09","guid":{"rendered":"https:\/\/www.insumak.mk\/individuals\/household\/proshirena-polisa\/"},"modified":"2026-02-12T12:11:58","modified_gmt":"2026-02-12T12:11:58","slug":"extended-policy","status":"publish","type":"page","link":"https:\/\/www.insumak.mk\/en\/individuals\/household\/extended-policy\/","title":{"rendered":"Extended Policy"},"content":{"rendered":"<h2>EXTENDED POLICY<\/h2>\n<p>The Extended Policy is our most standard policy and the best-selling policy we&#8217;ve ever offered. It provides insurance against fire and allied perils, burglary and robbery, and gives options for additional risks such as flood and earthquake.<\/p>\n<p>It is perfect for those seeking comprehensive protection for their home, offering greater coverage and safeguarding against a wider range of risks.<\/p>\n<p>We insure standard household effects and\u00a0personal belongings without\u00a0the need for\u00a0an inventory.<\/p>\n<p>The urgent accommodation cost of up to\u00a0<strong>\u20ac1,500<\/strong> is covered if the home is damaged and living becomes impossible.<\/p>\n<table width=\"882\">\n<tbody>\n<tr>\n<td><strong>Main Risks Insured Against under Extended Policy<\/strong><\/td>\n<td width=\"132\"><\/td>\n<\/tr>\n<tr>\n<td>Fire<\/td>\n<td width=\"132\">\u2713<\/td>\n<\/tr>\n<tr>\n<td>Lightning<\/td>\n<td width=\"132\">\u2713<\/td>\n<\/tr>\n<tr>\n<td>Explosion<\/td>\n<td width=\"132\">\u2713<\/td>\n<\/tr>\n<tr>\n<td>Storm<\/td>\n<td width=\"132\">\u2713<\/td>\n<\/tr>\n<tr>\n<td>Hail<\/td>\n<td width=\"132\">\u2713<\/td>\n<\/tr>\n<tr>\n<td>Manifestation and demonstration<\/td>\n<td width=\"132\">\u2713<\/td>\n<\/tr>\n<tr>\n<td>Aircrafts<\/td>\n<td width=\"132\">\u2713<\/td>\n<\/tr>\n<tr>\n<td>Impact damage<\/td>\n<td width=\"132\">\u2713<\/td>\n<\/tr>\n<tr>\n<td>Vandalism<\/td>\n<td width=\"132\">\u2713<\/td>\n<\/tr>\n<tr>\n<td>Water escape from installations of residence premises<\/td>\n<td width=\"132\">\u2713<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<table width=\"882\">\n<tbody>\n<tr>\n<td><strong>Main Exclusion under Extended Policy<\/strong><\/td>\n<td width=\"132\"><\/td>\n<\/tr>\n<tr>\n<td>Snow and ice pressure<\/td>\n<td width=\"132\">X<\/td>\n<\/tr>\n<tr>\n<td>Frost<\/td>\n<td width=\"132\">X<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Burglary and robbery cover is up to\u00a0<strong>Euro 5,000.<\/strong><\/p>\n<p><strong>The policy also offers options for additional risks such as:<\/strong><\/p>\n<ul>\n<li>Flood, torrent and high waters<\/li>\n<li>Subsidence<\/li>\n<li>Snow avalanche<\/li>\n<li>Earthquake<\/li>\n<li>Glass Breakage<\/li>\n<\/ul>\n<p><strong>Earthquake Risk Coverage<\/strong><\/p>\n<ul>\n<li>It covers compensation for losses or damages caused by an earthquake with a magnitude of 3.5 or greater on the Richter scale.<\/li>\n<li>It also covers losses resulting from non-structural cracks in buildings if you buy no-deductible coverage.<\/li>\n<li>Depending on your decision, we will negotiate whether you participate or not in the loss (deductible).<\/li>\n<\/ul>\n<table width=\"882\">\n<tbody>\n<tr>\n<td><strong>What can we insure with the basic premium?<\/strong><\/td>\n<td width=\"132\"><\/td>\n<\/tr>\n<tr>\n<td>Residential buildings (houses, buildings)<\/td>\n<td width=\"132\">\u2713<\/td>\n<\/tr>\n<tr>\n<td>Movable property located at insured building (personal belongings, furniture, electrical appliances) \u2013 inventory<\/td>\n<td width=\"132\">\u2713<\/td>\n<\/tr>\n<tr>\n<td>Other buildings (garages, summer kitchens, etc.)<\/td>\n<td width=\"132\">\u2713<\/td>\n<\/tr>\n<tr>\n<td>\u00a0Urgent Accommodation Cost<\/td>\n<td width=\"132\">\u2713 up to 1,500 \u20ac<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<table width=\"882\">\n<tbody>\n<tr>\n<td><strong>The insurance coverage limits with basic premium (no inventory)<\/strong><\/td>\n<td width=\"132\"><\/td>\n<\/tr>\n<tr>\n<td>Residential buildings for business purposes<\/td>\n<td width=\"132\">\u2713 By surcharge<\/td>\n<\/tr>\n<tr>\n<td>Cash, securities, gold coins&#8230;<\/td>\n<td width=\"132\">\u2713 up to 250 \u20ac<\/td>\n<\/tr>\n<tr>\n<td>Jewelry, watches, precious and semi-precious stones<\/td>\n<td width=\"132\">\u2713 up to 500 \u20ac<\/td>\n<\/tr>\n<tr>\n<td>Jewels, vases, silver iteme, furs, ivory, etc.<\/td>\n<td width=\"132\">\u2713 up to 500 \u20ac<\/td>\n<\/tr>\n<tr>\n<td>Paintings and sculptures<\/td>\n<td width=\"132\">\u2713 up to 750 \u20ac<\/td>\n<\/tr>\n<tr>\n<td>Weapons with regular firearms licence<\/td>\n<td width=\"132\">\u2713 up to 500 \u20ac<\/td>\n<\/tr>\n<tr>\n<td>Data storage devices<\/td>\n<td width=\"132\">\u2713 up to 100 \u20ac<\/td>\n<\/tr>\n<tr>\n<td>Vessels kept inside the insured premises<\/td>\n<td width=\"132\">\u2713 up to 1,500 \u20ac<\/td>\n<\/tr>\n<tr>\n<td>TV, audio and video equipment, alarm system, each and every item<\/td>\n<td width=\"132\">\u2713 up to 500 \u20ac<\/td>\n<\/tr>\n<tr>\n<td>Computers and Computer Equipment<\/td>\n<td width=\"132\">\u2713 up to 500 \u20ac<\/td>\n<\/tr>\n<tr>\n<td>Laptop, tablet, or mobile phone including the property provided to the employees by their employer<\/td>\n<td width=\"132\">\u2713 up to 500 \u20ac<\/td>\n<\/tr>\n<tr>\n<td>Loss or damage to movable property located at other buildings<\/td>\n<td width=\"132\">\u2713 up to 500 \u20ac<\/td>\n<\/tr>\n<tr>\n<td>Loss or damage to common property in buildings<\/td>\n<td width=\"132\">\u2713 up to 750 \u20ac<\/td>\n<\/tr>\n<tr>\n<td>Loss or damage incurred outside the insured location<\/td>\n<td width=\"132\">up to 500 \u20ac for laptop, tablet and mobile phone<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong><em>Note: <\/em><\/strong><em>This insurance does not cover losses or damages resulting from wear and tear or deterioration. <\/em><em>\u00a0<\/em><\/p>\n<p><strong>Temporary accommodation <\/strong><strong>cost<\/strong><\/p>\n<p>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.<\/p>\n<p><strong>Example:<\/strong><\/p>\n<p>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.<\/p>\n<p>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.<\/p>\n<p><strong>Third Party Liability\u00a0Insurance<\/strong><\/p>\n<p>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.<\/p>\n<p><strong>Example:<\/strong><\/p>\n<p>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.<\/p>\n<p><strong>Is this your policy?<\/strong><\/p>\n<p>*See the comparison chart of risks.<\/p>\n<table width=\"882\">\n<tbody>\n<tr>\n<td colspan=\"5\">1. Table of main risks<\/td>\n<\/tr>\n<tr>\n<td colspan=\"5\">Legend of symbols: \u221a \u2013 insured; X \u2013 not insured<\/td>\n<\/tr>\n<tr>\n<td width=\"76\"><strong>Main risks<\/strong><\/td>\n<td width=\"78\"><strong>Economic Policy<\/strong><\/td>\n<td width=\"78\"><strong>Extended Policy<\/strong><\/td>\n<td width=\"78\"><strong>Extended Plus Policy<\/strong><\/td>\n<td width=\"78\"><strong>Special Policy<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"76\">Fire<\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"76\">Lightning<\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"76\">Explosion<\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"76\">Storm<\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"76\">Hail<\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"76\">Manifestation and demonstration<\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"76\">Aircrafts<\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"76\">Impact damage<\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"76\">Vandalism<\/td>\n<td width=\"78\">x<\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"76\">Snow and ice pressure<\/td>\n<td width=\"78\">x<\/td>\n<td width=\"78\">x<\/td>\n<td width=\"78\">x<\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"76\">Frost<\/td>\n<td width=\"78\">x<\/td>\n<td width=\"78\">x<\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"76\">Water escape from installations in residential buildings<\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<td width=\"78\"><strong>\u221a<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<table width=\"882\">\n<tbody>\n<tr>\n<td colspan=\"5\">2. Table of Additional Risks<\/td>\n<\/tr>\n<tr>\n<td colspan=\"5\">Legend of Symbols: \u221a \u2013 Insured with an Additional Premium<\/td>\n<\/tr>\n<tr>\n<td><strong>Main risks<\/strong><\/td>\n<td width=\"132\"><strong>Economic Policy<\/strong><\/td>\n<td width=\"132\"><strong>Extended Policy<\/strong><\/td>\n<td width=\"132\"><strong>Extended Plus Policy<\/strong><\/td>\n<td><strong>Special Policy<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Flood, torrent and high waters<\/td>\n<td width=\"132\"><strong>\u221a<\/strong><\/td>\n<td width=\"132\"><strong>\u221a<\/strong><\/td>\n<td width=\"132\"><strong>\u221a<\/strong><\/td>\n<td><strong>\u221a<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Subsidence<\/td>\n<td width=\"132\"><strong>\u221a<\/strong><\/td>\n<td width=\"132\"><strong>\u221a<\/strong><\/td>\n<td width=\"132\"><strong>\u221a<\/strong><\/td>\n<td><strong>\u221a<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Snow avalanche<\/td>\n<td width=\"132\"><strong>\u221a<\/strong><\/td>\n<td width=\"132\"><strong>\u221a<\/strong><\/td>\n<td width=\"132\"><strong>\u221a<\/strong><\/td>\n<td><strong>\u221a<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Earthquake<\/td>\n<td width=\"132\"><strong>\u221a<\/strong><\/td>\n<td width=\"132\"><strong>\u221a<\/strong><\/td>\n<td width=\"132\"><strong>\u221a<\/strong><\/td>\n<td><strong>\u221a<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Discounts<\/strong><\/p>\n<ul>\n<li>Renewal<\/li>\n<li>No claim bonus<\/li>\n<li>Deductible<\/li>\n<li>A group of buildings<\/li>\n<li>Special discount as a part of the FAMILY PACKAGE<\/li>\n<li>Advance premium payment<\/li>\n<li>For 5- or 10-year period of insurance<\/li>\n<li>Several insurance policies<\/li>\n<li>Own certified alarm systems, safe doors, code-key vaults, etc.<\/li>\n<\/ul>\n<p><strong>Payment Benefits<\/strong><\/p>\n<ul>\n<li>Possible payment in installments.<\/li>\n<li>Direct debit from your bank account by standing order.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>EXTENDED POLICY The Extended Policy is our most standard policy and the best-selling policy we&#8217;ve ever offered. It provides insurance against fire and allied perils,<\/p>\n","protected":false},"author":1,"featured_media":20231,"parent":19992,"menu_order":12,"comment_status":"closed","ping_status":"closed","template":"insurance_template.php","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-20233","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Extended Policy - \u041c\u0410\u041a\u0415\u0414\u041e\u041d\u0418\u0408\u0410 \u043e\u0441\u0438\u0433\u0443\u0440\u0443\u0432\u0430\u045a\u0435 \u0410\u0414 \u0421\u043a\u043e\u043f\u0458\u0435-\u0412\u0438\u0435\u043d\u0430 \u0418\u043d\u0448\u0443\u0440\u0435\u043d\u0441 \u0413\u0440\u0443\u043f \u043e\u0441\u0438\u0433\u0443\u0440\u0443\u0432\u0430\u045a\u0435 \u0421\u0418\u0413\u0423\u0420\u041d\u0418 \u0417\u0410\u0415\u0414\u041d\u041e<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.insumak.mk\/en\/individuals\/household\/extended-policy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Extended Policy - \u041c\u0410\u041a\u0415\u0414\u041e\u041d\u0418\u0408\u0410 \u043e\u0441\u0438\u0433\u0443\u0440\u0443\u0432\u0430\u045a\u0435 \u0410\u0414 \u0421\u043a\u043e\u043f\u0458\u0435-\u0412\u0438\u0435\u043d\u0430 \u0418\u043d\u0448\u0443\u0440\u0435\u043d\u0441 \u0413\u0440\u0443\u043f \u043e\u0441\u0438\u0433\u0443\u0440\u0443\u0432\u0430\u045a\u0435 \u0421\u0418\u0413\u0423\u0420\u041d\u0418 \u0417\u0410\u0415\u0414\u041d\u041e\" \/>\n<meta property=\"og:description\" content=\"EXTENDED POLICY The Extended Policy is our most standard policy and the best-selling policy we&#8217;ve ever offered. 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