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Protected Family Insurance
Object of insurance:
Under this insurance, we insure real estate and movable property that is used by the insured party in his life and household. It can be owned by the person taking out the insurance, but it can also be rented or used for another reason. We insure property owned, rented or held on another legal basis, used by the Insured party in his life and household, separated into groups as follows:
Dwellings in multi-storey buildings (apartments, studios, maisonettes and studios) with their adjoining basements, attics, underground garages, garage cells or parking spaces, including dwellings located in resorts or resort complexes, which are used seasonally or periodically, but located in buildings that are under permanent security, surveillance or maintenance;
Houses;
Movable property - general furniture, household electrical appliances, audiovisual and electronic equipment, personal and other household items.
The risks we cover under this insurance are:
Basic coverage
Clause A – Fire and the consequences of extinguishing it, lightning, explosion and implosion, impact from aircraft or parts and objects falling from them;
Clause B – Storm, hurricane, damage from falling branches and trees, heavy rain, flood from natural disaster, damage from gravity from natural accumulation of snow or ice, action of groundwater, sea waves, landslides and collapse of earth layers, hail , avalanche fall;
Clause D – Breakdown of plumbing, sewage, heating and air conditioning installations, short circuit and electric shock, hit by a road vehicle or animal, damage to property during its transportation from one address to another with own or hired transport;
Clause C – Vandalism including malicious fire and malicious explosion.
Additional coverage
Clause H – Earthquake;
Clause K – Burglary;
Clause T – Theft by technical means;
Clause H – Loss of rental income;
Clause O – Civil liability of the Insured arising as a result of the manifestation of a risk covered by the policy;
Clause X – Alternative Accommodation Costs;
Clause C – Breaking glass and showcases;
Clause G - Accident - the risks of death, temporary or permanent loss of working capacity of a family member due to an accident are covered.
Benefits of insurance
This insurance will provide you with the following benefits:
The insurance is concluded on the basis of a limit of liability - the full amount of the damage is paid up to the amount of the selected limit (underinsurance is not applied - the full amount of the damage is compensated if it does not exceed the agreed limit);
The procedure for issuing the policy is maximally simplified, no insurance proposal is filled out;
We do not require an inventory of the insured against theft of movable property, if the chosen limit is up to BGN 14,000;
Liability limits are selected from the current insurance tariff, and they can be different for the basic coverage and each separate clause of the additional coverage;
Additional Clause G – Accident. Provides insurance coverage for the risks of death, time and permanent loss of working capacity of family members, as a result of an accident;
No deductible applies.
Where can you take out the insurance?
You can take out "Protected Family" insurance at all our offices (link to contacts), as well as at the insurance intermediaries who are our partners.
