Property insurance

1) Home insurance

By insuring your home and the items within it, whatever happens, your life will continue carelessly and without additional and unforeseen expenses.

Home insurance means insuring of:

  • Residential buildings, apartments and individual buildings, such as buildings with built-in electrical, hot water, water and sewage installations that are used for dwelling purposes
  • Household items, items used for arranging of the apartment and personal use items that are located in the insured residential building, which are used by the insured person or by the members of his family living in his home
  • Liability for damages caused by and against third parties
  • Settlement of expenses for necessary accommodation of the insured person and his family, when the apartment is damaged to such extent that it is unsuitable for living.

The amount of insurance of the building is the value of the object. Household items are insured for an amount of 30% of the value of the building.

Home insurance includes insurance against the following basic risks:

  • Fire
  • Lightning strike
  • Explosion, except nuclear explosion and radioactive contamination
  • Storm
  • Hail
  • Public events and protests
  • Falling aircrafts
  • Leakage of water from water and sewage installations
  • Leakage of water from devices and pipes for hot water installations
  • Burglary and robbery, except for uninhabited apartments and weekend houses, unless specifically agreed upon.

In addition to these, and with an additional premium, home insurance may include insurance against the following additional risks:

  • Flood, torrential rain and high waters
  • Landslides and rockfalls
  • Avalanches
  • Glass breakage