Household insurance
Home Insurance – Property protection and assistance services
Home insurance is suitable for protecting your property in the event of unexpected events, both in your home and its surroundings.
Typically, home insurance covers the following:
- Fire – covers damage caused by fire to household property.
- Theft and burglary – covers damage caused by theft with overcoming an obstacle or robbery, as well as vandalism, overvoltage, undervoltage and short circuit.
- Water leakage – covers damage caused by water leakage from damaged pipes or other similar events.
- Glass and sanitary – insurance covers damage or destruction of glass, mirrors and sanitary equipment by any accidental event.
- Cash and card misuse – covers loss of money, misuse of payment cards and other documents, including cash stored in a safe.
- Items stored in non-residential premises and vehicles – insurance may also cover damage to items stored in non-residential premises or motor vehicles.
Insured event outside the place of insurance – insurance may also include the costs of alternative accommodation in the event that an event occurs outside the insured property.
We also recommend arranging a household assistance service that covers repairs and emergencies, which in many cases are the responsibility of the tenant, in accordance with Government Regulation No. 308/2015 Coll.
Assistance services may include:
- Emergency situations (services of an electrician, plumber, gas fitter, heating engineer, glazier, locksmith, roofer, chimney sweep)
- Deratization, disinsection, trapping of bee swarms, elimination of wasp and hornet nests
- Security of the insured object
- Post-warranty repair of appliances
- Moving, cleaning and clearing activities
- Legal consultations, IT assistance and other services
It is important to check the specific insurance conditions, as not all insurance companies offer all of the above services automatically, some may be available for an additional fee or as additional insurance.
We recommend that those interested in this type of home insurance also take out liability insurance, which covers damage you cause to third parties, for example, in the event of unintentional damage to property or health.
If you are interested in arranging home insurance, we will be happy to recommend an insurance advisor who will help you choose the most suitable insurance and offer a solution exactly according to your needs. Our advisors are also language-savvy and communicate fluently in English.