Types of Insurance > Property Insurance > Household Insurance
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Household Insurance

 Dear Citizens,

With household insurance policy you get the best protection of the acquired values against risks that threaten your household.
Household insurance includes apartment insurance.

Now you have even more reasons to insure your property. If we ALL insure, we will help those in the need and that can be YOU. That is why our message


Let's win over the risk!.

 WHO CAN SIGN UP FOR INSURANCE POLICY?
The apartment owner, tenant or any other party that has an interest in insuring the household can agree the household insurance policy.

 HOUSEHOLD HAS AN ALARM SYSTEM?
In case the household is protected with alarm system or armoured doors a 10% discount of the total price is approved.

 WHY INSURE WITH US?

  • The best prices
  • biggest diversity of risk
  • quickest claims settlement !

     TABLE OF INSURANCE SUMS AND PREMIUMS (in KM)

    Aside from insuring the household property and civil construction part of the apartment this insurance provides you also with insurance protection of the following:

  • cash, securities, precious stones, precious metals, real pearls and objects made from such metals, objects of art and collections for the value of up to 2% of the insurance value.

    Household items on the attic, basement, shed and garage are insured up to 10% of the insurance sum.

    Apart from those risks, there is an option to get an extended coverage:

  • insurance of the items mentioned above to higher values (limits);
  • insurance of ancillary construction facilities) sheds, garages etc.

     NOTE:
    For collective insurance of over 30 apartments in companies and payment via pay slip we offer 10% discount and payment in three instalments.

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     Except from the Conditions for Household Insurance:

    SUBJECT OF INSURANCE
    Subject of this type of insurance are:

  • Household items used for apartment decoration, personal use and consumption; liability as a private person for damages made to third parties.
  • Wall paint and carpentry, various floor, wall and ceiling covers (wall paper, panelling, tiles etc);
  • glass on the doors and windows;
  • insurance of the civil construction part of the facility against fire risk and other risk.

    SCOPE OF COVERAGE
    According to the scope of coverage, the premium is determined separately for:

  • insured household items, liability for damages to third parties, paint on the walls and carpentry, various floor, wall and ceiling covers;
  • glass on the doors and windows;
  • insurance of cash and other valuables such as: antiques, art objects etc;
  • insurance of the civil construction part of the facility against fire risk and other risks.

    INSURED RISKS
    Insurance company guarantees settlement of claims for insured objects in case of following risks:

  • fire and thunderbolt, explosion, storm, hailstorm, fall of an aircraft, manifestations and demonstrations;
  • floods and torrents, ground slide and landslip, snow avalanches;
  • water overflow from sewage pipes;
  • entry and theft, robberies, plain thefts;
  • liability towards third parties.

    BASIS FOR SETTING THE PREMIUM
    Premium setting is calculated taking into consideration:

  • size of apartment and scope of coverage / insured risk.
    Basis for premium calculation for items that are insurance subjects is minimal value determined annually by the insurance company based on the price fluctuation. You can agree a higher value of insurance than the minimal.

    DETERMINING THE INSURANCE VALUE IN CASE OF CLAIM
    The insurance value is determined:

  • in the event of destruction or loss of items - according to the value of such new item reduced for depreciation;
  • in the event of damages to the insured item - in the value of repair costs according tot eh material and labour prices at the time of insured case occurrence, reduced for the amount of estimated depreciation;
  • in the event of damaged civil construction facility claim is settled in the amount of repairs as per material and labour prices at the time of insured case occurrence, reduced for the amount of estimated depreciation.

    In case of damage, cost of saving items is an integral part of the claim.
    When the insured case (claim) occurs, you are obliged to report it (in writing, by telephone or directly) within 3 days. You are obliged to report to the Ministry of Interior Affairs the fire claims, entry and theft and robbery.

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