Insurance for your home and home contents
Peace of mind that starts at home
In cooperation with PZU Insurance, we offer our clients home insurance that helps mitigate unexpected, sudden and unforeseen risks related to their home.
With PZU home insurance, you can insure any residential building located in Estonia – whether it’s a house, apartment, terraced house, outbuilding, or summer home.
Before concluding an insurance contract, be sure to read on the PZU Kindlustus website:
- Home insurance product information document, which provides an overview of the insurance service;
- General terms and conditions of Insurance contracts;
- Terms and conditions of home insurance SEB-K100/2022 (PDF), which provides a complete list of insured events and covers, sums insured and indemnity limits, as well as payment restrictions and exclusions.
If necessary, consult an expert by calling SEB customer support at 665 5100.
Why choose PZU home insurance?
- With PZU home insurance, a building or apartment is insured unexpectedly on the principle of all-risk insurance, against sudden and unforeseeable damage.
- 24-hour PZU Home Assistance service.
- The building is insured at its restoration value.
- Built-in furniture and integrated kitchen appliances are insured with the building or apartment.
- The structures belonging to the building are also insured, e.g. lights, fences, gates, barriers, flag masts and shelters, and small buildings of up to 20 m² and the heating fuels required for heating the building to the maximum total extent of 10,000 euros.
- Depreciation of the insured object is not taken into account upon indemnification. PZU indemnifies for the damage by the principle “new for the old”, considering the differences specified in the terms and conditions of home insurance.
- Cover for the internal electrical or mechanical malfunctions of home contents and integrated kitchen appliances that are up to four years old.
- Valuables are also insured among home contents to the extent of 4,000 euros.
- Home contents carried by the policyholder and their family members are insured up to the sum insured for home contents, with worldwide coverage.
- Liability insurance protection is valid everywhere in Estonia.
- The insurance also covers the rent for temporary housing in the amount of 6,000 euros.
- The contract can be concluded for up to three years. With a three-year contract, the premium is more favourable, and the insurance premium is fixed for the entire insurance period.
Deductible is not applied:
- in the case of an insured event of fire or storm if the insured structure was destroyed by more than 50%;
- to shattered glass surfaces or the replacement of locks broken in the course of a break-in;
- to legal costs in the case of liability insurance;
- in the event of insurance cover for rent of temporary housing.
The complete list of insured events and covers, sums insured and indemnity limits, as well as payment restrictions and exclusions, is provided in terms and conditions of home insurance SEB-K100/2022 (PDF).
Conclude a home insurance in the Internet Bank
Optional add-on covers
Supplement your home insurance package with additional covers that increase the sense of security and help you cope better in the event of unexpected events.
- Liability insurance –covers any unexpected unlawful damage caused to a third party resulting in the obligation of the policyholder to compensate for such damage pursuant to law. Liability insurance cover is valid everywhere in Estonia.
- Construction leak cover – damage caused by water that enters the building through its structures is compensated in the amount of up to 3,000 euros.
- Damage caused by tenant – if the tenant or a person living with the tenant has intentionally or through gross negligence damaged the interior finish or household property, the damage caused will be indemnified
- Smart device cover – additional coverage with lower deductible (100 euros); up to three insured events will be indemnified for every year of the insurance period.
- Extended warranty – provides insurance cover for damage to home property, sanitary equipment and integrated kitchen furniture that is up to 6 years old, caused by internal electrical or mechanical faults or malfunctions of the insured item itself.
Easy steps to take out an insurance contract
Enter the e-shop via Internet Bank
Enter the necessary data and read the offer
Confirm the suitable offer and pay the Insurance premium
Contacts
If you have questions about concluding a new insurance contract
contact SEB customer service +372 665 5100
If you have questions about an existing insurance contract
contact PZU Kindlustus customer service +372 622 4545
What to do if a loss event has occurred?
- First and foremost, always ensure the safety of people. If a person has been injured in the incident, notify the alarm centre immediately and follow their instructions
- If you need the Home Assistance service, please contact PZU’s 24-hour customer support +372 622 4545
PZU is AB "Lietuvos draudimas" Estonian branch trademark in Estonia. AB "Lietuvos draudimas" is a Lithuanian insurance company, that is part of the international PZU Group. AS SEB Pank and AS SEB Liising act as the insurance agents of the Estonian branch of AB "Lietuvos draudimas" and have been entered into the list of insurance intermediaries published on the website of the Estonian Financial Supervision Authority. The list is available at www.fi.ee.
An insurance agent receives an agency fee for mediating the insurance, which is included in the insurance premium. The agency fee payable by PZU to the agent is 26.7% of the insurance premium for home insurance.
