Property Insurance
Property Insurance
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Compensa Family IV is the ideal choice for protecting your assets.
For whom:
• Owners of apartments with any legal status (rental, cooperative, proprietary, etc.)
• Owners of residential houses and holiday homes
• People running a business at home
• People conducting agritourism activities
• Tenants of houses, apartmentsA home or apartment can be insured along with fixed and movable equipment in two variants: from specified risks, e.g., from fire and other random events, or from practically all events that can cause damage (All Risk variant). Such a flexible structure allows securing your four corners against consequences including:
- damages caused by natural phenomena or weather (fire, flood, gale, etc.);
- theft with burglary of equipment (even antiques or garden furniture) and robbery, acts of vandalism (e.g., arson, graffiti);
- a wide range of additional insurance options allows for extending the scope of coverage including protection for electronic equipment, items against breakage or cracking, property during construction, holiday homes, and even business assets;
- farm buildings, structures, and even trees and shrubs growing on the property can be insured;
- The package also includes practical and sought-after insurances such as Home Assistance and comprehensive Civil Liability in private life;
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Are you looking for comprehensive protection of your property? By insuring with ERGO Hestia, you can protect yourself against the financial consequences of damages:
- home,
- house under construction,
- apartment
- holiday home
- farm buildings, e.g., detached garage
- finishing elements, e.g., carpets, paint coatings, interior: doors, windows, blinds, fireplace glass
- technical devices, e.g., installations, solar batteries, solar collectors, and photovoltaic cells along with the installation, heat pumps, water and sewage or heating network
- equipment, e.g., furniture, RTV and household appliances, desktop computers, kitchen stoves
- personal belongings, e.g., clothing, jewelry, watches, equipment: photography, sports, portable computers
- works of art, antiques, collections, e.g., paintings, graphics, coins, postage stamps
- garden architecture, e.g., fencing, gazebos, garden furniture, playground equipment
Ensure yourself full financial comfort by insuring against the consequences of damages caused by unforeseen events, such as:
- fire
- theft
- hurricane or flood
Under the All Risk variant, you additionally gain coverage including liability for damages caused by you or your loved ones (so-called own damages).
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Generali, for the home and family
is property insurance that covers not only the house or apartment but also – depending on needs – holiday homes, houses under construction, basements, storage rooms, garages, and also equipment elements. This offer is directed both to the residents of the property and to tenants.
This material is for advertising and informational purposes only and does not constitute an offer within the meaning of Article 66 § 1 of the Act of April 23, 1964, the Civil Code. Detailed insurance terms, including restrictions and exclusions of liability related to them, as well as information on the operation of the product are specified in the applicable General Terms and Conditions of Insurance for Homes, Apartments, and Civil Liability in Private Life “Generali, for the home and family,” provided to the client before concluding the insurance agreement, available at www.generali.pl, from individual distributors, or at the headquarters of Generali Towarzystwo Ubezpieczeń S.A. at ul. Senatorska 18, 00-082 Warsaw
Apartment insurance in Proama
“Apartment Insurance with Deductible” is an offer for property owners when the bank requires insurance for the apartment. You will insure not only the property but also the belongings it contains and the linked premises. We allow for extending the coverage with an Assistance service package, through which you can obtain help while using the insured property.
This material is for advertising and informational purposes only and does not constitute an offer within the meaning of Article 66 § 1 of the Act of April 23, 1964, the Civil Code. Detailed insurance terms, including restrictions and exclusions of liability related to them, as well as information on the operation of individual products and related costs are specified in the applicable General Terms and Conditions of Proama Apartment Insurance with Deductible provided each time to the client before concluding the insurance agreement, available at www.proama.pl in the Important Documents tab, and from individual distributors or at the headquarters of Generali Towarzystwo Ubezpieczeń S.A. at ul. Senatorska 18, 00-082 Warsaw.
Proama is a trademark owned by Generali Towarzystwo Ubezpieczeń S.A.
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Home Max is an insurance package created to ensure comprehensive protection of your property.
It protects residential buildings, residential premises and other property elements against sudden and unforeseen events, regardless of your will,
and in case of damage, it provides financial support and includes:- reimbursement of costs for products defrosted due to refrigerator, freezer failure or power outage
- reimbursement of rental costs for substitute accommodation
- reimbursement of costs for finding and eliminating faults and/or causes of damage
- reimbursement of costs for lost personal belongings due to robbery outside the insured location
- compensation for destroyed or damaged electronic equipment due to accidental breakage, wetting, falling – as an additional option
- damages caused by animals
- gross negligence
- construction disaster
- Home Assistance
It also includes important aspects such as:
- civil liability
- legal assistance in private life
- insurance for accidents
- medical expenses during trips abroad
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Insurance “My HOME” can be concluded for periods of: 1 year, 2 years, 3 years
- Property that you can insure includes:
– Apartment or single-family house
– Single-family house under construction
– Holiday home
– Household goods (e.g., RTV/AGD equipment, bicycles, strollers, furniture)
– Fixed elements (e.g., floors, stairs, carpets, fixtures, installations)
– Devices for energy production (e.g., photovoltaic panels)
– Minor medical equipment (e.g., insulin pumps, hearing aids)
– Plants and garden accessories- Risks you can insure include:
– Fire and other random events (e.g., explosion, lightning strike, strong wind, flooding)
– Flood
– Surges
– Vandalism
– Theft with burglary and robberyOR
– All Risk, meaning insurance against all risks
- Additionally, under the insurance, you can also benefit from:– NNW Insurance (Accident Consequences) and medical assistance insurance (e.g., doctor visits, childcare)
– Liability Insurance
– “My HOME Assistance” insurance (e.g., plumber, glazier, electrician assistance)
– Cash fraud insurance
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Insurance “Your Place” for a house, apartment, house under construction or holiday home can be concluded for 1 year or 3 years
- Advantages of the insurance:
– attractive prices and special discounts when purchasing insurance;
– the ability to insure in 2 variants – all risk and named risks;
– automatic inclusion in the scope of insurance against fire, flooding, explosion, torrential rain, and strong wind;
– the ability to insure items used for running a business;
– appliance repair service coverage under Home Assistance regardless of age and manufacturer’s warranty;
– compensation for movable property based on replacement value regardless of age;
– insurance protection for travel luggage when insuring household goods over 20,000 PLN
– liability limits for each 12 consecutive months of the insurance period starting from the date of the beginning of this period;
– damages occurring as a result of gross negligence in All Risk up to the full Sum Insured;
– surges in All Risk up to the full Sum Insured;
– limit of coverage for household goods in outbuildings outside the apartment or single-family house and detached garage 20% of the sum insured in named risks, 30% of the sum insured in All Risk variant;
– limit for tools inside a single-family house under construction 15,000 PLN;
– limit for building materials inside a single-family house under construction 15,000 PLN;Gross negligence coverage in the All Risk insurance –
Uniqa is liable for damages resulting from gross negligence up to the full sum insured, with an open catalog of events. Excluding events excluded pursuant to the provisions of the General Terms and Conditions
or in case of failure to meet the property security requirements.Important:
In named risks insurance, Uniqa is not liable for damages that arise from gross negligence unless the payment of compensation for damages resulting from gross negligence is justified in the given circumstances.
Single-family houses and apartments Max Sum Insured 2,500,000 PLN.