Your property is the most valuable thing you have acquired, whether it is your home or your business and its insurance is definitely of utmost importance. Unforeseen phenomena can damage your property and cause unwanted consequences, which is why it is always important to be proactive.

The property insurance offered by our company is divided into two coverages: Fire Insurance and Theft Insurance. Fire Insurance concerns the insurance of the building and its contents and Theft Insurance concerns only the contents and/or attachments. Building can be a house, an apartment, a country house, an office, a shop, a workshop, a warehouse or a factory. Our company gives you the opportunity to choose between various specialized insurance programs/packages with a wide selection of coverage for any type of building and/or their contents.

For your Home, we provide a full range of plans that can cover every need. The Home Insurance plan is the most comprehensive insurance plan for owners or tenants of houses or apartments. It is designed to offer a range of cover against loss or damage to buildings and/or their contents.

Basic Building Coverage

• Fire, lightning or explosion.
• Earthquake or volcanic eruption.
• Storm (including hurricane, cyclone and tornado), Flood.
• Escape of water from tanks, apparatus or pipes, or water or oil from a fixed heating or cooling installation.
• Strike, Riot, Labor disturbances.
• Malicious act or vandalism.
• Theft accompanied by forcible and violent entry or exit from the Home or attempted theft.
• Impact with the buildings involving vehicles, animals, aircraft or flying objects or objects falling from them.
• Falling trees or branches.
• Falling television or radio antennae, satellite dishes, antennae fittings, masts, towers or solar heating panels.
• Accidental damage to cables or underground services supplying the residence for which you are legally responsible.
• Accidental breaking of fixed glasses or sanitary ware that are part of your residence.
• Loss of rent and reasonable additional costs that would need to be paid for similar accommodation.

Basic Content Coverage

• Fire, lightning or explosion.
• Earthquake or volcanic eruption.
• Storm (including hurricane, cyclone and tornado), Flood.
• Escape of water from tanks, apparatus or pipes, or water or oil from a fixed heating or cooling installation.
• Strike, Riot, Labor disturbances.
• Malicious act or vandalism.
• Theft accompanied by forcible and violent entry or exit from the Home or attempted theft.
• Impact with the buildings involving vehicles, animals, aircraft or flying objects or objects falling from them.
• Falling trees or branches.
• Falling television or radio antennae, satellite dishes, antennae fittings, masts, towers or solar heating panels.
• Accidental breakage of mirrors, plate glass tops to furniture and fixed glass in furniture.
• Accidental damage to televisions, audio and video equipment, computers and radios.
• Fees for architects and other consultants.
• Expenditures for demolition and removal of foundations.
• Public Authority Expenditures.
• Cost for locating the damage.
• Replacement of locks and keys.
• Emergency entry to the house.
• Smoke.
• Accidental loss of metered water, liquefied petroleum gas or oil.
• Food and drinks in freezers and refrigerators.
• Garden plants.
• Christmas presents.
• Professional equipment.
• Funeral expenses.
• Damage caused to the building by accident.
• Subsidence, landslide, shift and heave of the ground and soil.
• Fatal injury benefit.
• Short circuit of electrical and electronic devices.

Additional Coverage
The Insurance Policy includes the following as Optional coverages:

• Loss or damage to satellite dishes, external antennas and solar water heaters.
• Theft or attempted theft not accompanied by forcible and violent entry into or exit from your Home.
• Employer’s Liability for domestic staff.
• Photovoltaic equipment.
• Annual travel insurance.
• Personal accident.
• Loss of Money or cards.
• “All-risks” cover for valuables.
• Loss or damage to property located in open space.
• Automatic increase of the insured amount at each policy renewal.

Exceptions:
Home Insurance is subject to exclusions, some of which are:

• War risks.
• Any act of terrorism.
• Nuclear risks and environmental contamination.
• Cyber Risk.
• Liability arising from the use of motor vehicles or boats.
• Physical wear and mechanical/electrical damage.
• Damage occurring while the house has been left unoccupied for more than 30 consecutive days.
• Damage to fences, gates and insect screens from storm, hurricane or flood, falling trees or branches.