House and Apartment

Home Insurance

Home insurance is optional, but given the very high cost of real estate, it can be argued that it is necessary. The cost of basic insurance coverage for our property is incomparably lower than the amount of potential damage. Here’s what you need to consider when purchasing a policy and what to look out for.

Do you have any questions?

Give us a call. We speak Russian.

534 666 111

BUY ONLINE

WhatsApp Telegram

General Information

What should you look for?

When insuring our home, we need to consider all possible scenarios—some more likely than others—that could affect the condition of our property. Placing too much trust in fire and burglar alarm systems can end up costing us dearly, so let’s protect our home by considering the appropriate options. When reviewing the OWU (General Insurance Terms and Conditions), let’s first check EXCEPTIONS, this is very important.

Which risks should I choose?

Fire and Other Accidents — This is the main risk; without it, our policy would be rather weak. It won't entail significant costs, given the value of the property.

Civil Liability — You might think that, when it comes to a house, this is an unnecessary risk. That’s a very common—and mistaken—belief. If someone walking past our house slips on the sidewalk, we—as the owners of the adjacent property—are liable for that incident.

Burglary — Insurers consider this risk to be the greatest, and without protection against burglary, we will face higher costs compared to other risks. Unfortunately, property damage most often results from burglary.