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Home insurance

Home insurance

Financial support in case of accidents in your home

  • Risk management in the event of unexpected or unforeseen events
  • Insurance cover in case of electrical or mechanical faults for property and fitted kitchen equipment inside a home up to four years old
  • Insurance cover for property inside a home for the policyholder and his/her family members worldwide

By providing services by PZU Kindlustus*, we provide our clients with wide-ranging insurance cover, which includes insurance for rental costs at a temporary place of residence and liability insurance for the owner of a building, purchased as additional cover. With one agreement, you can insure multiple buildings at the same insured location.

Ask for an insurance offer

Advantages of PZU home insurance:

  • An agreement may be concluded for up to three years: a lower premium with a longer term;
  • For houses and apartments, any loss or damage will be covered within the restoration value without deduction for depreciation**;
  • Your household property is insured on a new-for-old basis;
  • Any property that the policyholder and his/her family members have is insured outside their home***, and the insurance cover applies worldwide;
  • Replacement of windows and locks without deductible;
  • Liability insurance is valid throughout Estonia, not just in the place of insurance;
  • The built-in furniture, integrated kitchen appliances and the facilities, the external public utility lines and smaller buildings of up to 20 square meters in size, belonging to the building, are insured along with the building, the basement cubicle or storage room of the apartment along with the apartment;
  • Free temporary housing insurance to the amount of 3,000 euros.


With the PZU home insurance the building or apartment is insured on an all-risk basis against unexpected and unforeseeable damage, subject to the exclusions set out in the insurance terms and conditions.

You may also choose to add the following coverage to your policy:

  • flood insurance compensates for the damage caused by natural flood, extraordinary rise in water level and melting of snow;
  • with household property insurance your property is insured against unexpected and unforeseeable damage, including burglary. The coverage extends to include also the household property carried on your family member both in Estonia as well as abroad;***
  • liability insurance towards the neighbours and other third parties will be helpful, if the policyholder and/or their family member incur an obligation to compensate for the damage caused;
  • temporary housing insurance will cover the costs of finding equivalent temporary residence and moving hence and back, if the permanent housing becomes inhabitable as a result of an insured event, as well as the loss of rental income, if the apartment was leased out. The coverage will be free, if the rent for the temporary housing is insured to the amount of 3,000 euros.


You can conclude the PZU Home Insurance contract at any SEB branch. You can also request a home insurance quote and sign the contract over the Internet Bank. We recommend taking several quotes to compare and only then decide, which coverage you would like to add to your insurance contract.

 

** PZU Kindlustus* does not insure buildings older than 50 years, if these have not been renovated within the last 20 years.
*** Insurance does not cover damage, caused by unconcealed theft (e.g. property stolen from the yard or balcony), disappearance of, losing or forgetting items.
 
* PZU is the trademark of AB “Lietuvos draudimas” Estonian branch. AB “Lietuvos draudimas” is a Lithuanian non-life insurance company, belonging to the international PZU Group. AS SEB Pank acts as the insurance agent of the Estonian branch of AB “Lietuvos draudimas”, and is entered in the list of insurance intermediaries published on the website of Financial Supervision Authority. The list is available at www.fi.ee.

Does PZU Kindlustus allow for the depreciation of a building when indemnifying loss or damage?
No, all loss or damage related to the building is indemnified up to its replacement value, and no allowance is made for depreciation. That said, PZU Kindlustus does not insure buildings older than 50 years if they have not been renovated in the past 20 years.

Does PZU Kindlustus pay indemnity for damage due to flood as a result of a storm?
Yes. However you need to have a valid insurance cover for flood.

Does PZU Kindlustus pay indemnity for damage, caused by penetration of water or snow (incl. water from melting) through the structures of the building?
Yes, if this is due to damage caused by a storm (e.g. the storm damages the roof or roof covering). PZU Kindlustus shall not pay indemnity for damage, if the water or snow penetrates due to a construction fault.

If our neighbours' flat is damaged due to a leak from our plumbing, will PZU Kindlustus also indemnify the loss or damage caused to our neighbours?
Yes; liability insurance cover has to have been selected for this. PZU Kindlustus will provide indemnity on a claim up to the limit of the indemnity under liability insurance.

Is the flood cover included in all-risk insurance or can it be bought as additional risk cover?
Flood cover can be bought as addition risk cover. Flood cover is not included in all-risk insurance.

Is the cover against congestion of pipes contained only in all-risk insurance?
This is not included in all-risk insurance. If congestion is within the building, it is indemnified under cover against water damage. If congestion is outside the building, it is indemnified under cover against flood damage.

Is the cover for electrical fault of household property included only in all-risk insurance?
Yes. Damage caused by electrical fault are covered with all-risk insurance. Power surge caused by lightning strike is compensated under cover against fire.

Does PZU Kindlustus impose a fine due to early termination of an insurance contract?
No fines are imposed: Insurance premium is refunded pro rata i.e. proportionally.

Does PZU Kindlustus pay indemnity for costs of demolition and waste collection?
This is always indemnified for and even, if the total amount of damage and expenses exceeds the sum insured (10% of the sum insured, however not more than 100,000 euros).

Is the protection of facilities included in the price?
Yes, protection of facilities is included in the price within 10,000 euros. If the value of facilities is higher, an additional cover should be taken out for the part exceeding the said amount.

Is it an insured event if a bicycle is stolen from the backyard or courtyard of my own home?
No, the insured event is burglary. Theft (if an unlocked bicycle is in the backyard) is not an insured event.

Does insurance cover for property inside a home extend to a locked bicycle stolen from in front of the door of a shop?
Loss or damage arising out of theft, losing, mislaying or forgetfulness are not covered by insurance. The theft of a bicycle, locked or unlocked, from in front of a shop is theft. Insured event is burglary or robbery. Theft of a locked or unlocked bicycle from the car, home, garage or cellar is burglary and taking the bicycle from the owner by force is robbery.

Does PZU Kindlustus pay indemnity for damage caused by the activity of domestic animals?
Under all-risk insurance, PZU Kindlustus does not pay indemnity for damage caused by microorganisms (mushrooms, dry rot, etc.), domestic animals, birds, plants, pests or insects.

Examples of loss events covered by home insurance

  • Protection against vandalism
    There was an attempt to break into the house, as a result of which the door was damaged as well. PZU Kindlustus indemnified the expenses incurred due to the repair of the door.

  • Protection of electronic devices and property inside a home
    1. The thermostat of an electric sauna heater was broken, as a result of which the electric sauna heater overheated and a fire broke out. PZU Kindlustus indemnified the overhaul of the interior finishing of the entire flat, the restoration of the sauna premises, and the cleaning and partial replacement of the furnishings.

    2. A mirror with a magnifying glass was left on a wooden window sill; due to the action of the sun, it ignited the wooden window sill, with the entire room being damaged by soot. PZU Kindlustus indemnified the loss incurred.

    3. A heat pump fault, with the claims handling uncovering a leak in the underground piping. PZU Kindlustus indemnified the cost of repairs.

    4. A computer, 3 years in use, developed a fault on its motherboard, which was repaired, with PZU Kindlustus indemnifying the cost of the repairs.

    5. Whilst travelling abroad, the boot of a vehicle was broken into, and personal belongings worth more than 3000 euros were stolen. This case was registered with the local police, and PZU Kindlustus indemnified the loss incurred.

    6. Due to overvoltage caused during a thunderstorm, a digital set-top box, a router and a computer were all put out of service. PZU Kindlustus indemnified the loss.

  • Cover against flood
    As a result of a flood during long-lasting and strong rains, the ground water penetrated into the house, flooding the entire house within ca 40 cm up the ground. The client had a valid flood insurance cover and PZU Kindlustus paid for the damage, caused to the house and household property as a result of flood.

 

PZU Kindlustus does not insure buildings older than 50 years if they have not been renovated in the past 20 years.

Loss or damage arising out of theft (including property stolen from a courtyard or balcony), losing, mislaying or forgetfulness are not covered by insurance.
 

* PZU is the trademark of AB “Lietuvos draudimas” Estonian branch. AB “Lietuvos draudimas” is a Lithuanian non-life insurance company, belonging to the international PZU Group. AS SEB Pank acts as the insurance agent of the Estonian branch of AB “Lietuvos draudimas”, and is entered in the list of insurance intermediaries published on the website of Financial Supervision Authority. The list is available at www.fi.ee.

Conditions of home insurance

 

* PZU is the trademark of AB “Lietuvos draudimas” Estonian branch. AB “Lietuvos draudimas” is a Lithuanian non-life insurance company, belonging to the international PZU Group. AS SEB Pank acts as the insurance agent of the Estonian branch of AB “Lietuvos draudimas”, and is entered in the list of insurance intermediaries published on the website of Financial Supervision Authority. The list is available at www.fi.ee.

Contact

  • Customer support

    622 4545

  • E-mail

More info

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