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Flexible property insurance
What is covered by
Property Insurance?
Buildings
- Residential houses;
- Apartments;
- Summer houses;
- Garden houses;
- Utility buildings;
- Accessory buildings;
- Non-residential buildings;
- Yard structures;
- Fences;
- Investments in building improvement;
Indoor property
- Items for home furnishing, household use and consumption;
- Bicycles, electric scooters;
- Items taken with you, outside the insurance area;
- Guest items;
- Work items;
- Property left in the trunk of a car;
- Documents;
- Mobile phones, tablets, laptops, smart bracelets, watches and other smart devices.
Third party liability of the property manager
The insurance covers events that have occurred due to your actions or the operation of the property under your control, such as a fire in your home or the flooding of your neighbours, etc. In this case, the injured parties will be compensated for the losses you have caused.
Your part of the liability for losses caused by the objects of common partial ownership is also insured (for example, a broken common pipe around adjacent apartments), but this protection is limited to one event during the term of the insurance cover.
The third party liability of the property manager may be insured with property insurance under the Terms and Conditions of Residential Property Insurance or separately under the Terms and Conditions of Personal Liability Insurance.
Personal third party liability
In the case of personal liability insurance, you are indemnified for damage to the property, health or life of the injured parties caused by your normal, everyday or physical actions, such as playing in the yard, breaking a neighbour's window or riding a bicycle, that result in an injury to another person.
The insurance also covers real estate rented for recreational purposes, movable property rented from a legal entity, indemnities related to the actions of your pets, partaking in amateur sports, a game, competition or championship and driving a non-motor land vehicle, other normal everyday activities, which are not on the list of non-insured events.
This insurance coverage is valid in the countries of the European Union.
Personal liability may be insured with property insurance under the Property Insurance Rules or separately under the Personal Insurance Rules.
Additional protections in case of property insurance:
Buildings and outbuildings
The insurance coverage includes integral structures of buildings/premises – walls, floors, stairs, doors, windows, roofs, chimneys, etc., their components, coverings, finishes, and more, as well as fixed equipment or installations, outdoor blinds, awnings, and engineering networks – pipelines, electrical installations (including car charging stations), ventilation, air conditioning, heating equipment (boilers), security monitoring systems, plumbing equipment, and TV and internet cables.
Investments
By additional agreement, investments made to improve the condition of buildings by way replacing elements of an old building—roofing, windows, doors, electrical installations, etc. can be insured.
Solar power plants
By additional agreement, a solar power plant located at the insured property and used for personal needs can be insured. The insurance coverage applies to solar power plants with a capacity of up to 15 kW. In cases where the plant exceeds this capacity, we can offer a separate Green Facilities Insurance product.
Backyards
Courtyard buildings, non-residential buildings or premises up to 20 sq. m total area that do not require any design projects and permits to build, as well as elements of environmental equipment, such as gazebo, shed or awning, outdoor lighting, outdoor pool, children's play equipment, aviary, etc.
Fence
Fence surrounding the plot of the insured building, fence gates and gate opening mechanisms.
Additional post-accident costs
Increased utility costs, disposal costs and rental costs due to the inability to use the insured property.
Liquid seepage
Liquid seepage from the outside through the external structures of a building due to rain, melting snow or an accident in engineering systems.
Heating systems
Heating system equipment breakdowns.
Additional protections in case of property insurance:
Home Property
The insurance coverage includes furniture, household appliances, personal belongings, sports and hobby equipment, car accessories, building materials, pets, valuables, cash, entrusted property, and guests' belongings located at the insured property.
Home Property Outside the Insured Location
The insurance coverage, as specified in the policy, also applies to property taken outside the insured location—such as cash, sports and hobby equipment, bicycles, scooters, baby strollers, and other material valuables.
Property outside the place is insured too
Property taken outside the insurance area or property left in the trunk of a car is insured against burglary, robbery, fire and natural forces.
Belongings of other persons
When choosing property insurance, guests' belongings or authorised property taken from work to use for work-related purposes is insured as well.
Equipment breakdowns
Equipment (household appliances, video, audio equipment, garden, garden equipment) is insured against internal breakdowns.
Building materials and products
We will indemnify damage to, destruction and loss of unused building materials (e.g. bricks, pipes, paint, parquet, wires), unassembled equipment (e.g. plumbing, air conditioning, heating system equipment) due to fire, natural forces, theft, water (liquid).
Plants and animals
We insure plants inside the building and located in the plot area against the risk of fire. We will also compensate the death of pets in a fire.
Useful life of the property
For the purpose of calculating losses, the useful life of property is calculated from the time the new equipment is acquired. If it is not possible to determine the date, for example in the absence of acquisition documents, the date of issue of the relevant model is taken into account.
What insurance
coverage applies?
Home Assistance
The Home Assistance service applies to every insured and permanent dwelling.
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Transportation of Insured Property
In the event that the insured property becomes uninhabitable due to an incident, the policy covers the transportation and relocation of the insured belongings to a temporary residence. |
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Accommodation
Assistance in finding temporary accommodation and/or providing lodging after an incident, when the insured property becomes uninhabitable. |
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Repair of electrical internal networks
Replacement of fuses, electrical sockets, switches. Electrical wiring repair and connected to the electricity meter. |
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Sealing of cavities
Temporary filling of damaged structures with particleboard, film, or other materials. |
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Emergency Lock Opening
Replacement of fuses, electrical sockets, and switches. Repair of electrical wiring and connection to the electricity meter. |
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Internal Water Supply and Sewerage Systems
Repair, replacement, and emergency opening of door locks. Physical security services. |
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Heating and Ventilation Systems
Fault removal and repair of air conditioning systems. |
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Tree Removal
Temporary window covering, glass and/or glass unit replacement, and shard cleanup. Physical security services |
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Repair of fire and property security alarms
Repair of fire and property security alarm systems. |
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Alarm Systems, Yard Gates
Unblocking and emergency repair of clogged sewer systems. Cleanup and restoration of the insured location. |
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Heating and Ventilation Systems
Fault removal and repair of air conditioning systems. |
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Repair of internal water supply networks
Arrangement and cleaning of the insurance place. |
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Household Appliance Installation
Cutting and removal of trees from the building. Cleanup of the insured location (removal of tree debris). Temporary repair of damaged structures (such as roof damage or broken windows) using chipboard, film, or other materials. |
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Internal Electrical Systems
Repair of fire alarm and property protection alarm systems. |
Terms of the Home Assistance service
- Home Assistance is available 24 hours a day.
- The insured event in the case of Home Assistance insurance is considered to be reasonable and economically justified expenses incurred in order to prevent and/or reduce loss.
- No unconditional deductible is applied with the Home Assistance service.
- The total amount of Home Assistance may not exceed EUR 500 for services provided and EUR 50 for materials during the shorter of one year or the insurance period. The number of events is not limited.
- The Home Assistance service is provided on the territory of the Republic of Lithuania, at the address indicated in the insurance policy, which indicates the insured place.
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