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CJSC Ukrainian Insurance House, aiming to protect property interests of owners of apartments, summer houses and private houses, is offering services of insurance of individuals’ property, covering physical damages and destruction. Insurance contract guarantees that all damages inflicted due to fire, theft, failure of water supply of sewage systems, and many other causes mentioned in the insurance contract, will be indemnified for by our insurance company.
Under the program of insurance of individuals’ property, the following objects can be insured:
- construction elements of apartments and rooms (bearing walls, partitions, floors, windows, doors), engineering services (electrical communication systems, natural gas systems and water supply systems, sewage and heating systems);
- design and interior (including coating of ceilings, walls and floors);
- additional technical equipment (standard plumbing and kitchen equipment, water purification systems, air purification and heating systems, water heating devices, floor heating systems, personal satellite TV systems, personal security alarm systems (video- and audio-based, etc.), personal fire extinguishing/alarm systems, window (sound-)insulating kits, built-in furniture (sliding door wardrobes, etc.), air conditioning, etc.);
- movable property (household items: furniture, refrigerators, household appliances, audio equipment, household items, kitchenware and bed-clothes, tools, etc.).
Insurance of property mentioned above will cover the following risks:
- fire (including damages by combustion products and fire extinguishing devices);
- thunderbolt;
- gas-holder and gas pipe explosion; Act of God (hurricane, shower, hail, landslide, flood, subsidence, landslip, ground water flood, etc.);
- physical damage by water as a result of failures of water supply, sewage, heating systems, and fire extinguishing systems, as well as due to leakage from neighboring apartments;
- theft, robbery; unlawful destruction or physical damage to the property inflicted by third parties.
Insurance amount (payout liability of the insurer) can be determined:
for insurance of construction elements of apartments/rooms:
- based on the market value of the real estate;
- based on the real estate value stated by the insured person;
for coverage of damages to design and decoration:
- not exceeding costs needed to carry out repair works and purchase supplies;
for additional maintenance of equipment:
- not exceeding price of the additional equipment and costs needed to install it;
for movable property:
- within the market value of the property, adjusted for the depreciation.
Insurance contractual term is usually 1 year.
There is also an option to make a contract for the vacation period only.
Apartment insurance fee (insurance rate) depends on a number of factors influencing the assessment of the insurance risks, such as:
- type of property,
- construction and technical characteristics of the building,
- condition of communication systems,
- other substantial factors.
You can also get insurance coverage for presenting a claim to the apartment owner for cases of infliction of damage to the property, life or health of neighbors resulting from accidents mentioned above.
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