Home insurance indemnifies material damage if something happens to your home or the property therein. A building and apartment are insured under the principle of full value insurance – the sum insured is not marked on the policy and, in the event of damage, the building or apartment will be restored to its former state. In addition, we definitely recommend selecting household property insurance, which covers moveable property (for example, furniture, interior elements, houseplants, household appliances, clothing, etc.) found in the building or apartment.
- Lease cost of temporary housing – if your home has become uninhabitable as a result of an insured event, the cost of leasing temporary housing, as well as any necessary moving expenses, shall be indemnified.
- Loss of lease revenue – if a leased building or apartment becomes uninhabitable, the lost rent shall be indemnified for a period of up to 12 months.
- Liability insurance – any personal or property damage caused to third parties by you or family members living with you shall be indemnified.
- Insuring your home is easy – we insure a building or an apartment as a whole, following the principle of full value insurance. There is no need to specify the sum insured and no need to worry about whether sufficient money will be received from the insurance undertaking in the event of an accident. The sum insured for household property is calculated based on the total area (in m2) of the building or apartment. There is no need to group objects or prepare a list of assets. The sum insured is set in such a manner that all things, both bigger and smaller, would be subject to insurance cover.
- Structures and small buildings – together with a building, structures, such as outdoor lighting installations, ball courts and playgrounds, and small buildings that do not exceed 20 m2, are insured in the extent of EUR 5000.
- Storeroom (cellar box) – together with the apartment, the storeroom’s interior finishing, the storeroom’s door and built-in shelves are insured up to EUR 1000.
- Household property outside the home – property accompanying the policyholder and/or his or her family members is insured for up to EUR 1000 within the borders of the Republic of Estonia and outside the place of insurance. Up to EUR 2000 in the case of extended all-risk insurance within the borders of the European Union.
- Household property in outbuildings and the cellar box – Household property insurance is also valid in the extent of 10% of the household property insurance sum for the cellar box located in the same building as the apartment or in buildings located on the same plot as the house.
- New for old – damage to household property will be indemnified in the extent of the value of equivalent new property, excluding computers, computer-related devices and mobile phones.
- 0-deductible in case of theft or window damage – no deductible is applied if the theft in an apartment was committed by breaking a security lock or if the windows of the building or the apartment, or the glass surfaces of exterior doors or balcony railings have been broken.
- The insured event is theft – we indemnify damage that has been caused as a result of theft of household property or parts of a building. We do not require evidence of a break-in.
- Construction and repair works – insurance is also valid in case of construction or repair works on the building or apartment.
- Comprehensive private person liability insurance – If you have also selected private person liability insurance, we will indemnify: the total damage caused as a private person to a third party within the borders of the Republic of Estonia; damages caused by the children of insured persons, and personal or property damage caused to third parties by a pet owned by the policyholder.
Every homeowner can do a lot when it comes to protecting their home and property and in the name of taking better care of it. To that end, we have put together a list of suggestions below.
Fire accident prevention
- Each home must have a functioning smoke alarm
- Each home should be equipped with primary means for limiting a fire – a fire blanket and powder extinguisher
- Do not perform your own electrical works; call a qualified specialist
- The chimney and flues of a wood heated apartment or house must be cleaned at least once a year, prior to the start of the heating period. There should be no cracks in fire chambers or the base of the chimney. If necessary, these should be repaired by an expert.
- There must be a metal sheet in front of the fire chamber, not flammable flooring, in order to prevent embers from causing a fire.
- Don’t leave burning candles or a fireplace unattended. Candles should be placed on a non-flammable base, away from flammable material.
- Don’t leave matches or burning candles within reach of children.
- Disconnect appliances (for example, iron) from the power supply after use.
- Never use an open flame to thaw frozen pipes.
- You must never try to extinguish burning fat or oil with water. The fire must be smothered using a cloth or special fire blanket.
Preventing water damage
- Have a specialist regularly inspect the state of your home’s piping, hot water boiler and home appliances (for example, washing machine, dish washer).
- Regularly clean outlet pipes and traps, to prevent clogs from occurring
- Before winter, drain the pipes located outdoors and in non-heated rooms of water and close valves, to prevent the pipes from freezing and bursting
- Household appliances must be connected to the water supply via the designated water tap, which can be shut off when the appliance is not in use.
- When leaving your home, don’t leave your washing machine running.
- In humid rooms, install a moisture barrier behind the walls and under the flooring
- If there are no living quarters on the basement level, items stored in the basement should be kept at a height of at least 10 cm off the floor.
Break-in and theft prevention
- Homes must be built tough, with at least a 44 mm thick door and proper locks
- The key to your house should not be kept in typical hiding places, such as under the doormat, since these are the first places thieves will look
- If you have lost your key, or if you are unsure whether you have come into possession of all of the copies of the keys after purchasing an apartment or house, you should change the door locks the first chance you get
- When you leave your home, be sure to properly close all doors and windows
- Don’t let strangers know when you will be away from home (for example, at work or on holiday)
- When leaving home, make sure that it doesn't appear to be abandoned. While you are away on holiday, talk to some trustworthy people and make sure that they regularly empty your mailbox, mow your lawn, lower the shades at night, etc.
- After you are done using property outside of the building, bring it inside or lock it up to prevent theft. Garden furniture and grills should be stored indoors outside of the season.