Why to choose household insurance from Seesam? Here are several advantages:
- Full value insurance principal – a building or an apartment is insured according to the principle of full value insurance, which excludes the insufficiency of the sum insured (area insurance).
- Integrated furniture – the insurance of a building or an apartment will also cover integrated furniture, kitchen furniture, integrated sliding and articulated doors.
- Structures and small buildings – insurance cover to the extent of EUR 5,000 will automatically include structures, such as outdoor lighting installations, ball game courts, and playgrounds, as well as small buildings, the size of which does not exceed 12 m2.
- External systems – together with the building, external heating, water and sewerage systems, as well as the power supply system up to the border of the plot or to the point of connection with the public piping or power line, are also insured.
- Storeroom – internal finish of the storeroom, the door of the storeroom, and shelves permanently installed in the storeroom are insured together with the apartment.
- Principle of reinstatement value – if the depreciation of a building or an apartment is below 50%, the damage shall be indemnified on the basis of the reinstatement value.
- Construction and repairs – insurance is valid during construction and repair works of a building or an apartment.
- Insuring household property – the sum insured of household property is found automatically based on the total living area (m2) of a building or an apartment.
- Extensions of household property insurance – house plants, but also motorised unregistered land and water crafts can be insured as household property.
- Household property in the storeroom – household property insurance is valid to the extent of 10% of the sum insured for the storeroom located in the same building as the apartment or buildings located at the same real estate as the residential building.
- Household property outside home - outside of the place of insurance, household property accompanying the policy holder and family members or cohabitants living together with him/her, is insured up to EUR 1,000, within the borders of the Republic of Estonia.
- Theft – insurance will indemnify damage caused by theft of household property or parts of the building.
- Old against new – household property will be indemnified in the value of equal new property, except for computers, computer related devices and cell phones.
- Sum insured after the loss event – the sum insured will not be deducted by the amount of the indemnification after the loss event.
- Cover against the loss of rent – the owner of a rented building or an apartment can buy a cover against the loss of rent.
- 0-deductible concerning theft – deductible will not be applied, if the theft in an apartment was committed by breaking the security lock.
- 0-deductible concerning glass damage – deductible will not be applied, if the glass surfaces of windows, external doors or balcony borders of a building or an apartment were shattered.
- Private liability insurance – private liability insurance indemnifies loss emerged in everyday civil life, within the borders of the Republic of Estonia.
- Damage caused by children – private liability insurance indemnifies damage caused by children of the persons insured and damage caused intentionally or from severe negligence by a child under the age of 7.
- Pet owner’s liability – private liability insurance indemnifies personal or property damage caused by a pet of the policyholder.
- Costs for legal assistance – liability insurance indemnifies costs for legal assistance in the amount of EUR 10,000, in addition to the sum insured.