Property Insurance - Bank Spółdzielczy w Szczytnie

Insurance "Your place" for a house, apartment, a house under construction or a holiday house can be taken out for 1 year or 3 years

• Advantages of insurance:

– attractive prices and special discounts when purchasing insurance;
– the possibility of insurance in 2 variants – all risk and named risks;
– automatic inclusion of protection against fire, flooding, explosion, torrential rain, and strong wind;
– the possibility of insuring items used for running a business;
– reimbursement of repairs for household appliances in the Home assistance risk irrespective of age and manufacturer's warranties;
– compensation for movable property based on the replacement value regardless of age;
– insurance protection for travel baggage when insuring household goods over 20,000 PLN
– liability limits for every 12 consecutive months of the insurance period, counting from the start date of this period;
– damages caused as a result of gross negligence in All Risk coverage to the full Sum Insured;
– surges in All Risk to the full Sum Insured;
– a limit of protection for household goods in utility rooms outside the apartment or single-family house and freestanding garage of 20% of the sum insured in named risks, 30% of the sum insured in All Risk variant;
– a limit for building tools inside the single-family house under construction 15,000 PLN;
– a limit for building materials inside the single-family house under construction 15,000 PLN;

Gross negligence in All Risk insurance –

Uniqa is liable for damages arising from gross negligence up to the full sum insured, with an open catalog of events. Except for events excluded by the provisions of OWU,
or in the case of failing to meet the property security requirements.

Important:

In named risks insurance, Uniqa is not liable for damages resulting from gross negligence unless the payment of compensation for damages resulting from gross negligence corresponds in the given circumstances to considerations of fairness.

Single-family houses and apartments Max Sum Insured 2,500,000 PLN.

Compensa Family IV is the ideal choice for protecting your property.

For whom:

• Owners of apartments of any legal status (social housing, residential, ownership, etc.)
• Owners of residential houses and holiday homes
• People running business activities at home
• People running agritourism activities
• Tenants of houses and apartments

A house or apartment can be insured along with fixed and movable equipment in two variants: against specified risks, e.g., fire and other random events, against practically all events that may cause damage (All Risk variant). Such a flexible structure allows you to protect your home against the effects of:

• damage 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 allows you to expand insurance coverage, e.g., for protection of electronic equipment, damage from breakage or cracking, property under construction, holiday houses, and even company assets;
• outbuildings, structures and even trees and shrubs growing on the property can be insured;
• The package supplements practical and sought-after insurances Home Assistance,  or comprehensive Civil Liability insurance in private life;

Are you looking for comprehensive protection for your property? By insuring with ERGO Hestia, you can protect yourself from the financial consequences of damages:

• house,
• house under construction,
• apartment
• holiday cottage
• outbuildings, e.g., freestanding garage
• finishing elements, e.g., carpets, paint coatings, interiors: 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 systems or heating systems
• furnishings, e.g., furniture, RTV and AGD equipment, desktop computers, cooktops
• personal belongings, e.g., clothing, jewelry, watches, equipment: photographic, sports, portable computers
• works of art, antiques, collections, e.g., paintings, graphics, coins, postage stamps
• garden architecture, e.g., fences, gazebos, garden furniture, playground equipment

Ensure yourself complete financial comfort by insuring against the consequences of damages caused by unexpected 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).