This insurance provides protection for the property of individuals. The objects of Home Property insurance are:
Real Estate Property:
• residential buildings;
• villas/holiday homes;
• outbuildings, garages, workshops, garden structures, etc.;
• special types of facilities such as satellite dishes, solar heating systems, greenhouses, mushroom houses, barns, buildings for raising poultry or animals, wells, outdoor fountains, fences, etc.
Movable Property:
• general furniture, personal and other items used in the household;
• domestic electrical appliances;
• audiovisual and electronic equipment;
• business/farm property – agricultural machinery, inventory and produce, construction machinery, tools, materials, etc.;
• works of art with high artistic value, expensive clothing, fur coats, designer clothes, etc.
The insurance covers losses caused by:
• fire, including the consequences of extinguishing the fire;
• explosion of a pressure vessel;
• natural disasters such as storms, hurricanes, hail, flooding, falling trees and branches;
• plumbing and sewerage accidents (water damage);
• malicious acts by third parties (vandalism);
• impact from a vehicle or a manned aircraft, its falling components or cargo;
• burglary;
• earthquake.
In combination with the above coverages, it is possible to include additional options such as:
• third-party liability;
• alternative accommodation costs;
• loss of rental income.
