Self service
Flexible property insurance
What is covered by
Property Insurance?
- Residential houses;
- Apartments;
- Summer houses;
- Garden houses;
- Utility buildings;
- Accessory buildings;
- Non-residential buildings;
- Yard structures;
- Fences;
- Investments in building improvement;
- 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.
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.
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:
Additional protections in case of property insurance:
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. |
- 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.
additional questions?
