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Household effects and real estate

Household effects

 

This insurance provides protection of the property of natural persons.
The subject of Property Insurance comprises:

Immovable property:

  • residential buildings;
  • villa buildings;
  • farm buildings, garages, workshops, garden buildings, etc.;
  • special facilities such as satellite dishes, solar heating systems, greenhouses, mushroom cellars, barns, poultry or livestock buildings, wells, outdoor fountains, fences, etc.

Movable property:

  • general furnishings, personal and other household effects;
  • household electrical appliances;
  • audiovisual and electronic equipment;
  • business property - agricultural machinery, inventory and production, construction machinery, tools, materials, etc.;
  • works of art of high artistic value, expensive clothing, leather coats, branded clothes, etc.


The insurance covers losses caused by:

  • fire, including the effects of fire extinguishing;
  • explosion of a pressure vessel;
  • natural disasters such as storm, hurricane, hail, flood, falling trees and branches;
  • failure of the water supply and sewage system;
  • malicious actions of a third party (vandalism);
  • an impact by a road vehicle or by a crewed aircraft, its components or cargo;
  • burglary, theft;
  • earthquake.

In combination with the above mentioned types of coverage, it is possible to include additional coverage such as:

  • civil liability to third parties;
  • costs of alternative accommodation;
  • loss of rental income.