Private Client

• Car Insurance
• Household insurance
• Advantages of household insurance
• FAQ
• Loss prevention
• I want it
• Travel insurance
• Small boat insurance
• Personal accident insurance

Household insurance

The purpose of household insurance is to indemnify material damage if something happens to your home or household property. Seesam helps you to quickly restore the pre-accident situation, enabling you to proceed with your everyday life more smoothly. You can choose insurance cover for your house, apartment, part of a terraced house, and your household property.

Buildings and apartments will be insured on the principle of full value insurance – the sum insured is not indicated in the insurance policy and, in the event of damage, Seesam will ensure the restoration of the apartment or building to its former condition.

Upon insuring a building, insurance cover to the extent of EUR 5,000 will automatically include structures, such as fences, flagpoles, terraces and outdoor lighting installations, located on the same registered immovable, and small buildings, the size of which does not exceed 12 m²(e.g., woodsheds, doghouses, grill houses, etc.).

The insurance of a building or an apartment will also cover integrated furniture, kitchen furniture, integrated sliding and articulated doors, and also one year’s supply of heating fuel.

Likewise, we definitely recommend insuring the household property or movable property located in the building or apartment (e.g., furniture, furnishings, house plants, household appliances, garments, etc.). Various collections and land vehicles and water crafts not subject to registration (bicycles, rowing-boats, mopeds, etc.) are also insured as household property to the extent of EUR 3,000 per loss event (if necessary, the limit of indemnity can also be increased).

Upon insuring household property, you do not have to group objects or prepare a list of assets anymore as the limit of indemnity is calculated on the basis of the total area of a building or an apartment.

NEW! According to new household insurance terms and conditions, insurance shall be valid outside of the Place of Insurance with regard to the assets accompanying the policy holder and lawful family members or cohabitees living together with the policy holder at the address named in the policy. Insurance shall be valid up to EUR 1000, within the borders of the Republic of Estonia.

NEW! The principle of indemnification has also changed. The basis for indemnification of damage caused to household property is the replacement value or the market value of the property. Replacement value is the cost of the acquisition of new equal property to replace the insured household property. Market value is the local average sales price of household property upon entry into an insurance contract.

In addition to that, it is possible to extend the insurance cover to the lease costs of a temporary dwelling, loss of rent, or liability insurance.

• Lease costs of a temporary dwelling – if your home has become uninhabitable as a result of an insured event, Seesam will indemnify the lease costs of a temporary dwelling for up to 12 months, and also costs necessary for the change of lodgings.
• Loss of rent – if an insured building or apartment was rented out and becomes uninhabitable as a result of an insured event, Seesam shall indemnify the loss of rent for up to 12 months within the limits of the sum insured indicated in the insurance policy.
• Liability insurance – Seesam will indemnify any personal or effects damage caused to third parties by you or family members sharing a household with you.
• Real estate liability insurance – any damage caused by the possession or use of an insured building or apartment indicated in the insurance policy is indemnified.
• Private person liability insurance – damage caused to third parties in the pursuit of day-to-day activities as a private person is indemnified; the insurance is valid only in the Republic of Estonia.

You can choose the most suitable insurance solution among three types of insurance cover: fire and storm insurance, comprehensive insurance, and all-risk insurance.

Fire and storm insurance will cover damage caused by fire, direct lightning, explosion, or storm.

Comprehensive insurance is a broader type of insurance. Under comprehensive insurance, damage caused by theft, robbery, vandalism, and leakage from piping is also indemnified in addition to the risks of fire and storm insurance.

All-risk insurance provides the broadest insurance cover. People often have accidents not described under the two previous types of insurance. Under all-risk insurance, material damage caused to insured objects due to various sudden and unforeseen events is indemnified (e.g., breakage of objects, damage caused to household appliances as a result of voltage fluctuations, material damage caused by leakages through the roof, etc.) within the restrictions indicated in the insurance terms and conditions.