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“My sweet little home” policy, which is unique in the market, provides cover for the whole household.
The subject of insurance can include the following:
- BUILDINGS
- flats
- family houses
- Auxilliary facilities (garages and utility rooms)
- country houses
- HOUSEHOLD ITEMS IN THE FLAT OR FAMILY HOUSE
- cash, securities, jewelry, precious metals, real pearls and items made of them
- art objects and collections
- personal documents
- THIRD PARTY LIABILITY
- SECTION I
Basic coverage:
- fire, thunderbolt, explosion, windstorm, hail, fall of aircraft, manifestation and demonstration
- water leakage from installations
- glass breakage
Additional coverage:
- flood and torrent (stipulated separately, with additional premium)
- breakage of built-in installation and equipment (stipulated separately, with additional premium)
- SECTION II
- perpetration or attempt of burglary or robbery, as well as vandalism during perpetration of burglary.
- SECTION III
Insurance provides cover for damages arising from liability:
- of owners, users, or lessees of the flat or family house,
- of a natural person in everyday life, when not engaged in handicraft or other activities,
- of employer with regard to persons he engaged to work in his household,
- related to ownership and usage of a bicycle,
- related to engagement in sports, except for professional engagement in sports, and sports where engine vehicles are involved.
Coverage from Section II and III can be agreed only if basic coverage from Section I has been agreed.
Insurance of a 50m2flat
| SECTION I - Fire |
| Basic and supplementary risks |
Sum insured |
Premium |
| Buildings - fixed |
1.800.000,00 |
|
| Household items – at “first risk”) |
360.000,00 |
|
| Walls and floors – water leakage from installations (at “first risk”) |
54.000,00 |
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| Household items – water leakage from installations (at “first risk”) |
108.000,00 |
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| Glass breakage insurance (at “first risk”) |
9.000,00 |
|
| Breakage of built-in installation and equipment *at “first risk”) |
126.000,00 |
|
| SECTION II – Burglary and robbery |
| Basic risk (insurance method) |
Sum insured |
|
| Burglary and robbery (at “first risk”) |
108.000,00 |
|
| SECTION III – Civil liability |
| Basic risk (insurance method) |
Sum insured |
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| Third party liability (fixed) |
50.000,00 |
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| Premium to be collected including tax: |
2.829,00 |
Insurance of 100m2 house
| SECTION I – Fire |
| Basic and supplementary risks |
Sum insured |
Premium |
| Buildings - fixed |
4.050.000,00 |
|
| Household items – (at “first risk”) |
810.000,00 |
|
| Walls and floors – water leakage from installations (at “first risk”) |
121.500,00 |
|
| Household items – water leakage from installations (at “first risk”) |
243.000,00 |
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| Glass breakage insurance (at “first risk”) |
20.250,00 |
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| Breakage of built-in installation and equipment (at “first risk”) |
283.500,00 |
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| SECTION II – Burglary and robbery |
| Basic risk (insurance method) |
Sum insured |
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| Burglary and robbery (at “first risk”) |
243.000,00 |
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| SECTION III – Civil liability |
| Basic risk (insurance method) |
Sum insured |
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| Third party liability (fixed) |
50.000,00 |
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| Premium to be collected including tax: |
6.088,00 |
Discount for number of stipulated sections:
- 7% for stipulating two sections
- 10% for stipulating three sections
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Basic questions |
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