Property Insurance

For who is
Property
insurance?

For homeowners who want to avoid unexpected
losses due to damage and
destruction of buildings

For homeowners who want
to protect their home property
from unexpected losses

For homeowners who want
to protect their neighbors' property
from unexpected losses

For persons, who have committed acts which
may cause damage to the health,
life or property of others

What is covered by
Property Insurance?

Buildings

House
Flat/ Appartment
Village house
Garden House
Farm building
Auxiliary building
Non - residential building
Yard buildings
Fence
Investments in building improvements

Indoor property

Items for home furnishing, household use and consumption
Bicycles, electric scooters
Items taken with you, outside the insurance area
Guest items
Assets entrusted by employer
Property left in the trunk of the car
Documents
Mobile phones, tablets, laptops, smart bracelets, watches and other smart devices

Civil liability of the asset manager

The insurance covers events that have occurred due to your actions or the exploitation of the property under your control, such as a fire in your home or flooding of neighbors, etc. In this case, the victims 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 surrounded adjacent apartments), but this protection is limited to one event during the term of the insurance cover.

The civil liability of the property manager may be insured with property insurance under the Residential Property Insurance Rules or separately under the Personal Liability Insurance Rules.

Personal civil liability

In the case of personal liability insurance, you are indemnified for damage to the property, health or life of the victims caused by your normal, daily or physical actions, such as playing in the yard, breaking a neighbor's window or riding a bicycle, injuring 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, amateur sports, participation in a game, competition or championship and driving a non-motorized land vehicle, other normal daily activities. which are not on the list of non-insured events.

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

Fixed equipment or installations installed on the building, solar collectors for commercial purposes, engineering networks, blinds, awnings, terraces, loggias and balconies that are connected to the insured building.

Backyards

Courtyard buildings, non-residential buildings or premises up to 20 sq. M. m. total area and the construction of which does not require projects and permits and 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.

Investments

Investments have been made to improve the condition of the buildings, for example, windows replacements.

Additional costs after the accident

Increased utility costs, disposal costs and rental costs due to inability to use insured property.

Liquid penetration

Liquid penetration from the outside through the external structures of a building due to rain, melting snow or an accident in engineering systems.

Solar power plant

The solar power plant used for the own purposes and located at the insured location and its devices (solar power plant) with a power of no more than 15 kW are insured against the risks of fire, natural forces, water (liquid), vandalism, and vehicle collisions. We will compensate the solar power plant for losses up to EUR 15,000 during the insurance coverage period.

Heating systems

Heating system equipment breakdowns.

Additional protections in case of property insurance:

Backyards

We will indemnify for losses when home property has been stolen from an area completely fenced, which is used outdoors for its intended purpose and can be stored outdoors (landscaping equipment, outdoor equipment, lawn robots, outdoor barbecues and furniture), or building exterior elements.

Bicycles, scooters, trolleys

Bicycle, scooter, roller, trolley, wheelchair are insured against burglary and robbery.

Property outside the place are insurated 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.

Asset of other persons

When choosing property insurance, guests' belongings or property transferred for use by the employer are insured.

Equipment breakdowns

Equipment (household appliances, video, audio equipment, garden, garden equipment) is insured against internal breakdowns.

Building materials and products

We will indemnify for damage, destruction and loss of unused building materials (eg bricks, pipes, paint, parquet, wires), unassembled equipment (eg 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 for the death of pets due to fire.

Property exploatation life

For the purpose of calculating losses, the useful life of an asset 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?

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Choose the insurance option
that best suits your needs:

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Minimal
insurance option
Fire, water (liquid) eruption / spill in the room, penetration from adjacent rooms, theft with intrusion, storm, flood, rain, hail, snow (ice) pressure, landslides of karst phenomena, lightning

Extented
insurance option
Any sudden and
unexpected event

The main
insurance option
Fire, water (liquid), natural forces risk insurance

The main
insurance option
Theft, insurance of intentional acts of third parties

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The main
insurance option
Insurance against risks of impact, collapse and breakdown of the vehicle

T

Home Assistance

The Home Assistance service applies to every insured and permanent dwelling.

U

	Lietuvoje	Užsienyje
Transportation of insured property Relocation of insured property to a temporary residence after the event when the insured dwelling is not available.
Accommodation Search for temporary residence and / or accommodation after the event when the insured accommodation is not available to use.
Repair of electrical internal networks Replacement of fuses, electrical sockets, switches. Electrical wiring repair and connected to the electricity meter.
Sealing of cavities Temporary filling of damaged structures with particleboard, film, or other materials.
Exterior door lock repair Door lock repair, replacement, emergency opening. Physical security services.
Exterior glass breakage Temporary window covering, glass and/or glass package replacement works, chip cleaning. Physical security services.
Repair of sewerage internal networks Cleaning up a clogged sewer system and eliminating an accident. Arrangement and cleaning of the insurance place.
Conditioning system repair Conditioning system failure elimination, repair.
A tree fall, for example, on a biulding or car Woodcutting, removal from the building. Arrangement of the insurance place (removal of wood debris). Temporary filling of damaged structures (roofing damage, broken windows) with chipboard, film, or other materials.
Repair of fire and property security alarms Repair of fire and property security alarm systems.
Backyard gate repair We will indemnify for the loss of the yard gate system failure, repair.
Heating system repair Heating system accident elimination, repair, initial heating boiler repair work. Delivery collection of alternative heating sources until the heating source is repaired/replaced.
Repair of internal water supply networks Arrangement and cleaning of the insurance place.
Washing machine, dryer, dishwasher hook up Hook up to sewerage and water supply networks. After hook up of washing machine, dryer, dishwasher, transportation of used household appliances.
Inspection of the electrical panel of the insuranced building Preventive inspection of the installation and operation of the electrical panel to ensure the safe operation of the premises.

Service "Home Assistance" Terms

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 in order to prevent and / or reduce loss

An unconditional deduction is not applied for Home Assistance service

The total amount of "Home Assistance" may not exceed 500 EUR for services provided and 50 EUR for materials during one year (or the insurance period, whichever is shorter). The number of events is not limited

The service "Home Assistance" is provided in the territory of the Republic of Lithuania, at the address indicated in the insurance policy, which indicates the place of insurance

Do you have
additional questions?

Get in touch