WHEN YOU KNOW WHAT YOU NEED
Our latest policy is tailored exactly to your needs.
Based on our experience and our clients’ needs and their increasing demands we have created this insurance coverage.
This policy is our future THE BEST one as optimal and comprehensive coverage it provides cover on home and its contents against all risks, besides our careful consideration of our clients’ status and conditions.
Our extended plus policy shall cover loss or damage as a result of:
|Basic risks under Extended Plus insurance coverage|
|Civil commotion and political gatherings||✓|
|Impact damage by motor vehicle||✓|
|Act of vandalism||✓|
|Weight of ice, snow or sleet||Х|
|Frost and ice||✓|
|Water escape from installation of residence premises||✓|
х – not covered
The policy offers coverage options including additional perils:
Coverage for the risk of earthquake
|What can be insured with the basic coverage?|
|Residential buildings (houses, apartment buildings)||✓|
|Movable property located in the insured property (clothes, personal belongings, furniture, electric appliances) – property not specified in a list.||✓|
|Other buildings (garages, summer kitchen and etc.)||✓|
|Alternative accommodation expenses||✓ up to €1,500|
|Special limitations for basic premium (not listed property)|
|Residence buildings used for business purposes||✓ additional payment|
|Cash, securities, gold coins…||✓ up to €750|
|Jewellery, watches, precious and semi-precious stones||✓ up to €1 000|
|Valuables, vases, silver items, furs, ivory and ivory items or else||✓ up to €1 000|
|Paintings and sculptures||✓ up to €1 000|
|Weapon with regular firearms licence||✓ up to €500|
|Removable media (data storage devices)||✓ up to €100|
|Vessels kept inside the insured premises||✓ up to €1 500|
|TV set, audio and video equipment, alarm devise respectively||✓ up to €750|
|Computer and computer equipment||✓ up to €750|
|Laptop, tablet and mobile phone including the property provided to the employees by their employer||✓ up to €500|
|Movable property located at other buildings||✓ up to €500|
|Damages to common property in apartment buildings||✓ up to €750|
|Loss or damage incurred outside the insured location||up to €500 for laptop, tablet and mobile phone|
Note: The risks against deterioration or wear and tear are not covered.
Alternative accommodation expense
The insurance policies provide coverage for alternative accommodation if your home becomes uninhabitable following large damages.
Compensation of costs for renting furnished residence with similar size according to the market price valued in the area of the insured location until the insured property is returned to normal living conditions.
Compensation of removal costs of your personal effects and assets if you decide to move completely out of the insured location.
Third Party Liability Insurance
This insurance is optional for all insurance policies. It shall protect you from the risk of liability if the neighbouring buildings or adjacent property suffers damages caused by your home or your property.
Example: The neighbouring home suffers damages occasioned by the water escape from the installation in your home or the neighbouring home is burned to the ground or suffer damages due to fire in your flat.