Home and flat insurance
A home is more than walls and furniture. It also holds things and memories that matter to you. We will help you choose the right cover, taking into account the value of the property, its contents and your liability towards other people. We will also check whether the sum insured matches the current value of what you own.
The right cover starts with your needs
Buying a property, letting it out, renovating or changing your current policy: each of these is a good moment to review your cover and adjust it to your needs.
- You are buying a flat or house with a mortgage and the bank requires a policy.
- You have finished building, renovating or upgrading and want the sum insured to reflect the property's current value.
- You have had the same policy for years and don't remember exactly what it covers.
- You rent out your flat or let tenants use your property.
- Your insurance is about to end and you want to compare the offers available.
A few questions to start with
To prepare an offer that fits your property, we need some basic information. You don't need to know every answer. We can help you work them out.
What to prepare
- What do you want to protect?The building, fixtures and fittings, contents and household belongings, and any outbuildings on the plot.
- How broad should the cover be?We recommend all-risks cover, which protects against sudden and unforeseen events, subject to the exclusions in the general terms and conditions.
- What value should the property be insured for?We will set the right sum insured, based on the reinstatement or actual value of the property and the current cost of rebuilding it.
- Do you need personal liability cover?This is extra protection if you cause damage to other people, for example by flooding your neighbour's flat, or if your child or pet causes damage.
- What extra help can you get?Extended assistance gives practical help in everyday and emergency situations. Depending on the insurer and the option you choose, it can include a plumber, electrician or locksmith, doctor's visits, specialist consultations and other services.
Frequently asked questions
The answers below are general. The details depend on your policy terms and the type of event, so we look at every case individually.
What is the difference between reinstatement value and actual value?
Reinstatement value is the cost of rebuilding the property or buying a new item of the same kind and similar specification. Actual value also takes wear and tear into account, which can mean a lower payout. We will help you decide which valuation method suits your property and contents.
Is the policy required by the bank enough?
Not necessarily. A policy required by the bank mainly protects the lender and usually covers only the building itself. It is worth checking whether it also covers contents, fixtures and personal liability. If needed, we can help you extend the cover.
Can a house under construction be insured?
Yes. Insurers offer policies for properties under construction. The scope and terms depend on the stage of work, how far the build has progressed and how the site is secured.
Let's talk about what you want to protect
Call, email or leave a message in the form. We will get back to you to talk about how we can help.
Call+48 504 031 330