Cover is provided for damage caused to the Insured Items:

• directly by earthquake
• indirectly by earthquake, such as fire, land subsidence, landslide, and tidal wave (tsunami)

The excess per claim is up to 1,5% of the total sum insured.

Covers the damage to your home that will result from:

• Fire or Lightning Strike forest fire
• thunder
• smoke

Cover is provided for damage caused to the Insured Items as a result of:

• car impact
• plane impact or objects that fall from it
• falling trees, branches, or poles

Cover is provided for the costs for repairing damages caused to covered structures as a result of a risk which is covered by the Insurance Policy in jointly owned areas of the building to which the Home belongs and which are used exclusively by the Home.

Maximum compensation limit:

• up to 20% of the total building insured value and
• up to 5% of the total content insured value

In case of damage that is covered by the Insurance Policy, the following costs are covered:

• Costs for extinguishing and reducing a fire, as well as damage caused in an effort to reduce or prevent the spread of the fire in the Home.
• Costs of general nature that may arise in direct relation to the damage that is covered, such as costs for cleaning the Home, technical repairs, etc.
• Costs for demolition and collection of debris in direct relation to the covered damage.

Maximum compensation limit up to 5% of the total Sum Insured

Insurance cover is provided for damage caused to the Insured Items as a result of explosion, including damage to the item itself.

Cover is provided for solar panels installed on the exterior side of the structure of the Home caused by risks specifically covered by the Insurance Policy in respect of damage to the Building.

No cover is provided for damage caused to solar panels by:

• short circuit
• overloading of the electrical network
• hypertension
• arc formation
• power failure

Cover is provided for the expenses for issuing permits concerning civil engineering works for making repairs to the Home from a risk covered under the Insurance Policy, including the fees of the civil engineer.

Cover is provided for damage caused to the Insured Items:

• directly by earthquake
• indirectly by earthquake, such as fire, land subsidence, landslide, and tidal wave (tsunami)

The excess per claim is up to 1,5% of the total sum insured.

Covers the damage to your home that will result from:

• Fire or Lightning Strike forest fire
• thunder
• smoke

Cover is provided for damage caused to the Insured Items as a result of:

• car impact
• plane impact or objects that fall from it
• falling trees, branches, or poles

Cover is provided for the costs for repairing damages caused to covered structures as a result of a risk which is covered by the Insurance Policy in jointly owned areas of the building to which the Home belongs and which are used exclusively by the Home.

Maximum compensation limit:

• up to 20% of the total building insured value and
• up to 5% of the total content insured value

In case of damage that is covered by the Insurance Policy, the following costs are covered:

• Costs for extinguishing and reducing a fire, as well as damage caused in an effort to reduce or prevent the spread of the fire in the Home.
• Costs of general nature that may arise in direct relation to the damage that is covered, such as costs for cleaning the Home, technical repairs, etc.
• Costs for demolition and collection of debris in direct relation to the covered damage.

Maximum compensation limit up to 5% of the total Sum Insured

Insurance cover is provided for damage caused to the Insured Items as a result of explosion, including damage to the item itself.

Cover is provided for solar panels installed on the exterior side of the structure of the Home caused by risks specifically covered by the Insurance Policy in respect of damage to the Building.

No cover is provided for damage caused to solar panels by:

• short circuit
• overloading of the electrical network
• hypertension
• arc formation
• power failure

Cover is provided for the expenses for issuing permits concerning civil engineering works for making repairs to the Home from a risk covered under the Insurance Policy, including the fees of the civil engineer.

Cover is provided for damage caused to the Insured Items not as a result of fire or explosion but resulting from:

• Strike
• Riots
• Civil Commotion

Cover is provided for damage caused to the Insured Items as a result of:

• Flood
• storm
• hail
• thunderstorm

Cover is provided for damage caused to the Insured Items as a result of leakage or breakage of pipes or tanks used for:

• water supply
• heating
• cooling
• sewerage

Cover is also provided for the cost of tracing the damage cause up to a limit of €1.000.

Excess €200 per claim

The Company will pay any amount that the Insured Person is legally responsible to pay to third parties as the owner or person in possession of the Home, for material damage caused to property or injury caused by an incident occurring at the Home. This cover also includes the legal costs for meeting these requirements if the Company considers that the Insured Person is not liable for the damage or injury.

For the purposes of this cover, all persons are considered third parties except:

• the Insured Person
• the Insured Person’s spouse and relatives up to the 2nd degree, if they lived with the Insured Person at the time of the damage or injury
• the Insured Person’s employer or employees
• the persons to whom any work has been assigned by the Insured Person

A sub-limit of 50% of the I.A.

We will pay up to 6 monthly installments and up to 1000€ per month that you have to repay for the housing loan granted for the Insured Home, if your home becomes inhabitable due to a damaged caused by a covered risk.

Cover is provided for the costs of damage caused to the Building of the Home by burglars, in case of:

• theft or attempted theft
• storm
• robbery or attempted robbery

The maximum limit that we will pay is 5% of the total sum insured

Cover is provided for the loss of Content due to theft or robbery.

Cover is also provided for damage caused to the Content by burglars during theft or robbery, even if items were not stolen.

Cover is provided for damage caused to electrical installations located inside the Home by:

• short circuit
• overloading of the electrical network
• hypertension
• arc formation
• power failure

The maximum we will pay is 3% of the Building sum insured

Cover is provided for damage caused to electrical and electronic home appliances which form part of the Content as a result of:

• short circuit
• overloading of the electrical network
• hypertension
• arc formation
• power failure

The maximum we will pay is 3% of the Content sum insured

Cover is provided for damage caused to the Insured Items:

• directly by earthquake
• indirectly by earthquake, such as fire, land subsidence, landslide, and tidal wave (tsunami)

The excess per claim is up to 1,5% of the total sum insured.

Covers the damage to your home that will result from:

• Fire or Lightning Strike forest fire
• thunder
• smoke

Cover is provided for damage caused to the Insured Items as a result of:

• car impact
• plane impact or objects that fall from it
• falling trees, branches, or poles

Cover is provided for the costs for repairing damages caused to covered structures as a result of a risk which is covered by the Insurance Policy in jointly owned areas of the building to which the Home belongs and which are used exclusively by the Home.

Maximum compensation limit:

• up to 20% of the total building insured value and
• up to 5% of the total content insured value

In case of damage that is covered by the Insurance Policy, the following costs are covered:

• Costs for extinguishing and reducing a fire, as well as damage caused in an effort to reduce or prevent the spread of the fire in the Home.
• Costs of general nature that may arise in direct relation to the damage that is covered, such as costs for cleaning the Home, technical repairs, etc.
• Costs for demolition and collection of debris in direct relation to the covered damage.

Maximum compensation limit up to 5% of the total Sum Insured

Insurance cover is provided for damage caused to the Insured Items as a result of explosion, including damage to the item itself.

Cover is provided for solar panels installed on the exterior side of the structure of the Home caused by risks specifically covered by the Insurance Policy in respect of damage to the Building.

No cover is provided for damage caused to solar panels by:

• short circuit
• overloading of the electrical network
• hypertension
• arc formation
• power failure

Cover is provided for the expenses for issuing permits concerning civil engineering works for making repairs to the Home from a risk covered under the Insurance Policy, including the fees of the civil engineer.

Cover is provided for damage caused to the Insured Items not as a result of fire or explosion but resulting from:

• Strike
• Riots
• Civil Commotion

Cover is provided for damage caused to the Insured Items as a result of:

• Flood
• storm
• hail
• thunderstorm

Cover is provided for damage caused to the Insured Items as a result of leakage or breakage of pipes or tanks used for:

• water supply
• heating
• cooling
• sewerage

Cover is also provided for the cost of tracing the damage cause up to a limit of €1.000.

Excess €200 per claim

The Company will pay any amount that the Insured Person is legally responsible to pay to third parties as the owner or person in possession of the Home, for material damage caused to property or injury caused by an incident occurring at the Home. This cover also includes the legal costs for meeting these requirements if the Company considers that the Insured Person is not liable for the damage or injury.

For the purposes of this cover, all persons are considered third parties except:

• the Insured Person
• the Insured Person’s spouse and relatives up to the 2nd degree, if they lived with the Insured Person at the time of the damage or injury
• the Insured Person’s employer or employees
• the persons to whom any work has been assigned by the Insured Person

A sub-limit of 50% of the I.A.

We will pay up to 6 monthly installments and up to 1000€ per month that you have to repay for the housing loan granted for the Insured Home, if your home becomes inhabitable due to a damaged caused by a covered risk.

Cover is provided for the costs of damage caused to the Building of the Home by burglars, in case of:

• theft or attempted theft
• storm
• robbery or attempted robbery

The maximum limit that we will pay is 5% of the total sum insured

Cover is provided for the loss of Content due to theft or robbery.

Cover is also provided for damage caused to the Content by burglars during theft or robbery, even if items were not stolen.

Cover is provided for damage caused to electrical installations located inside the Home by:

• short circuit
• overloading of the electrical network
• hypertension
• arc formation
• power failure

The maximum we will pay is 3% of the Building sum insured

Cover is provided for damage caused to electrical and electronic home appliances which form part of the Content as a result of:

• short circuit
• overloading of the electrical network
• hypertension
• arc formation
• power failure

The maximum we will pay is 3% of the Content sum insured

If the Home is rented by you to a third party and is damaged by a risk covered by the Insurance Policy, resulting in the Home becoming uninhabitable, the Company will pay you the rent you would have received but had lost due to the tenant terminating the lease for this reason.

The maximum we will pay is up to 4% of the Building sum insured and up to 12 months.

Cover is provided for malicious damage to the Insured Items by any person intentionally for the purpose of vandalism or sabotage.

Cover is provided for the shattering of the glass panes, sanitary fixtures and mirrors of the building by a sudden and accidental incident, including costs of installation and damage caused to the Insured Items by the glass, sanitary fixtures or mirrors.

A sub-limit of 3% of the I.A.

If the Home is occupied by the Insured Person and suffers damage by a risk covered by the Insurance Policy, and as a result the Home becomes uninhabitable and the Insured Person is required to relocate to another residence until the Home becomes inhabitable again, the Company will cover the Insured Person’s relocation expenses to the temporary residence.

It is paid for, for up to twelve months with the maximum amount of compensation indicated in the Insurance Policy Schedule.

In the event of loss of the Home’s keys due to theft or robbery or attempted theft or burglary, the Company will cover the cost of replacing the locks of the Home.

A sub-limit of €500 applies.

Cover is provided for material damage caused to the Insured Items as a result of an incident other than the risks specifically covered and set out in the Insurance Policy Schedule.

Cover is provided for loss of Content from theft (which for the purposes of this article only, does not require breaking into the Home by violent means) occurring with or without a burglary or robbery.

Additionally, cover is provided for loss caused to Content from the burglars during a burglary or robbery, even if no items are stolen.

Cover is provided for loss of jewelry or watches that are in the Home, caused by theft or burglary.

A sub-limit of 30% of the I.A.

Covers the damage to your home that will result from:

• Fire or Lightning Strike forest fire
• thunder
• smoke

Cover is provided for damage caused to the Insured Items as a result of:

• car impact
• plane impact or objects that fall from it
• falling trees, branches, or poles

Cover is provided for the costs for repairing damages caused to covered structures as a result of a risk which is covered by the Insurance Policy in jointly owned areas of the building to which the Home belongs and which are used exclusively by the Home.

Maximum compensation limit:

• up to 20% of the total building insured value and
• up to 5% of the total content insured value

In case of damage that is covered by the Insurance Policy, the following costs are covered:

• Costs for extinguishing and reducing a fire, as well as damage caused in an effort to reduce or prevent the spread of the fire in the Home.
• Costs of general nature that may arise in direct relation to the damage that is covered, such as costs for cleaning the Home, technical repairs, etc.
• Costs for demolition and collection of debris in direct relation to the covered damage.

Maximum compensation limit up to 5% of the total Sum Insured

Insurance cover is provided for damage caused to the Insured Items as a result of explosion, including damage to the item itself.

Cover is provided for damage caused to the Insured Items not as a result of fire or explosion but resulting from:

• Strike
• Riots
• Civil Commotion

Cover is provided for damage caused to the Insured Items as a result of:

• Flood
• storm
• hail
• thunderstorm

Cover is provided for damage caused to the Insured Items as a result of leakage or breakage of pipes or tanks used for:

• water supply
• heating
• cooling
• sewerage

Cover is also provided for the cost of tracing the damage cause up to a limit of €1.000.

Excess €200 per claim

The Company will pay any amount that the Insured Person is legally responsible to pay to third parties as the owner or person in possession of the Home, for material damage caused to property or injury caused by an incident occurring at the Home. This cover also includes the legal costs for meeting these requirements if the Company considers that the Insured Person is not liable for the damage or injury.

For the purposes of this cover, all persons are considered third parties except:

• the Insured Person
• the Insured Person’s spouse and relatives up to the 2nd degree, if they lived with the Insured Person at the time of the damage or injury
• the Insured Person’s employer or employees
• the persons to whom any work has been assigned by the Insured Person

A sub-limit of 50% of the I.A.

Cover is provided for the loss of Content due to theft or robbery.

Cover is also provided for damage caused to the Content by burglars during theft or robbery, even if items were not stolen.

Cover is provided for damage caused to electrical and electronic home appliances which form part of the Content as a result of:

• short circuit
• overloading of the electrical network
• hypertension
• arc formation
• power failure

The maximum we will pay is 3% of the Content sum insured

Cover is provided for malicious damage to the Insured Items by any person intentionally for the purpose of vandalism or sabotage.

Cover is provided for material damage caused to the Insured Items as a result of an incident other than the risks specifically covered and set out in the Insurance Policy Schedule.

Cover is provided for damage caused to the Insured Items:

• directly by earthquake
• indirectly by earthquake, such as fire, land subsidence, landslide, and tidal wave (tsunami)

The excess per claim is up to 1,5% of the total sum insured.

In the event of loss of the Home’s keys due to theft or robbery or attempted theft or burglary, the Company will cover the cost of replacing the locks of the Home.

A sub-limit of €500 applies.

Covers the damage to your home that will result from:

• Fire or Lightning Strike forest fire
• thunder
• smoke

Cover is provided for damage caused to the Insured Items as a result of:

• car impact
• plane impact or objects that fall from it
• falling trees, branches, or poles

Cover is provided for the costs for repairing damages caused to covered structures as a result of a risk which is covered by the Insurance Policy in jointly owned areas of the building to which the Home belongs and which are used exclusively by the Home.

Maximum compensation limit:

• up to 20% of the total building insured value and
• up to 5% of the total content insured value

In case of damage that is covered by the Insurance Policy, the following costs are covered:

• Costs for extinguishing and reducing a fire, as well as damage caused in an effort to reduce or prevent the spread of the fire in the Home.
• Costs of general nature that may arise in direct relation to the damage that is covered, such as costs for cleaning the Home, technical repairs, etc.
• Costs for demolition and collection of debris in direct relation to the covered damage.

Maximum compensation limit up to 5% of the total Sum Insured

Insurance cover is provided for damage caused to the Insured Items as a result of explosion, including damage to the item itself.

Cover is provided for damage caused to the Insured Items not as a result of fire or explosion but resulting from:

• Strike
• Riots
• Civil Commotion

Cover is provided for damage caused to the Insured Items as a result of:

• Flood
• storm
• hail
• thunderstorm

Cover is provided for damage caused to the Insured Items as a result of leakage or breakage of pipes or tanks used for:

• water supply
• heating
• cooling
• sewerage

Cover is also provided for the cost of tracing the damage cause up to a limit of €1.000.

Excess €200 per claim

The Company will pay any amount that the Insured Person is legally responsible to pay to third parties as the owner or person in possession of the Home, for material damage caused to property or injury caused by an incident occurring at the Home. This cover also includes the legal costs for meeting these requirements if the Company considers that the Insured Person is not liable for the damage or injury.

For the purposes of this cover, all persons are considered third parties except:

• the Insured Person
• the Insured Person’s spouse and relatives up to the 2nd degree, if they lived with the Insured Person at the time of the damage or injury
• the Insured Person’s employer or employees
• the persons to whom any work has been assigned by the Insured Person

A sub-limit of 50% of the I.A.

Cover is provided for the loss of Content due to theft or robbery.

Cover is also provided for damage caused to the Content by burglars during theft or robbery, even if items were not stolen.

Cover is provided for damage caused to electrical and electronic home appliances which form part of the Content as a result of:

• short circuit
• overloading of the electrical network
• hypertension
• arc formation
• power failure

The maximum we will pay is 3% of the Content sum insured

Cover is provided for malicious damage to the Insured Items by any person intentionally for the purpose of vandalism or sabotage.

Cover is provided for the shattering of the glass panes, sanitary fixtures and mirrors of the building by a sudden and accidental incident, including costs of installation and damage caused to the Insured Items by the glass, sanitary fixtures or mirrors.

A sub-limit of 3% of the I.A.

Cover is provided for material damage caused to the Insured Items as a result of an incident other than the risks specifically covered and set out in the Insurance Policy Schedule.

Cover is provided for damage caused to the Insured Items:

• directly by earthquake
• indirectly by earthquake, such as fire, land subsidence, landslide, and tidal wave (tsunami)

The excess per claim is up to 1,5% of the total sum insured.

If the Home is occupied by the Insured Person and suffers damage by a risk covered by the Insurance Policy, and as a result the Home becomes uninhabitable and the Insured Person is required to relocate to another residence until the Home becomes inhabitable again, the Company will cover the Insured Person’s relocation expenses to the temporary residence.

It is paid for, for up to twelve months with the maximum amount of compensation indicated in the Insurance Policy Schedule.

In the event of loss of the Home’s keys due to theft or robbery or attempted theft or burglary, the Company will cover the cost of replacing the locks of the Home.

A sub-limit of €500 applies.

Cover is provided for loss of Content from theft (which for the purposes of this article only, does not require breaking into the Home by violent means) occurring with or without a burglary or robbery.

Additionally, cover is provided for loss caused to Content from the burglars during a burglary or robbery, even if no items are stolen.

Cover is provided for loss of jewelry or watches that are in the Home, caused by theft or burglary.

A sub-limit of 30% of the I.A.