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Protected Home 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 and underground garages, garage cells or parking spaces;
Houses;
Villas - located in villa areas, resorts or resort complexes, which are inhabited seasonally or periodically;
Apartments, maisonettes, studios, studios, located in multi-storey buildings in resorts or resort complexes, which are used seasonally or periodically, but located in buildings that are under permanent security, surveillance or maintenance;
Farm buildings (detached garages, workshops, summer kitchens, garden buildings, buildings for raising animals and birds, barns, etc., attached to or located in the insured main residential or cottage building or in the immediate vicinity (within the plot) beside her;
General furniture, household electrical appliances, audiovisual and electronic equipment, personal and other items used in the household;
Business property - machines and tools, materials, spare parts and other accessories for personal use;
Works of art with artistic value - paintings, tapestries and other objects of antique value, but only if they have a certificate of authenticity of the work of art and/or an assessment by a licensed expert appraiser;
Facilities of a special type - satellite antennas and solar heating installations, awnings, wells, outdoor fountains, fences (regardless of the construction or architectural style), sewage treatment plants for domestic needs, heating boilers, together with their automation, attached or separately built barbecues, outdoor ovens, sheds /massive or wooden construction/ and the like.
The risks we cover under this insurance are:
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 a natural disaster, damage from gravity from natural accumulation of snow or ice, action of groundwater or sea waves, landslides and collapse of earth layers, hail , avalanche fall;
Clause D - accident 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 H - earthquake;
Clause K - burglary;
Clause T - theft using technical means;
Clause D - robbery;
Clause C - vandalism (including malicious fire and malicious explosion);
Clause H - loss of rental income;
Clause X - costs for alternative accommodation;
Clause P - necessary expenses;
Clause O - civil liability of the Insured, as a result of the occurrence of a risk covered by the policy;
Clause S - breaking glass and showcases.
Benefits of insurance
This insurance will provide you with the following benefits:
Broad and flexible insurance coverage, tied to your individual needs;
For condominium buildings, we include the owner's interest in the common parts of the building in the insurance coverage, and if damage occurs to the common parts of the condominium, we pay the portion of the damage amount corresponding to your percentage of the common parts of the the building;
Fast and correct service when concluding the insurance and occurrence of an insurance event and timely payment of damages in full;
We do not require an inventory of the movable property insured against theft and robbery, if the selected limit is up to BGN 15,000;
Option to pay the dividend in up to 4 installments;
The insured person's deductible does not apply;
Option for issuing the insurance policy in favor of a bank (if you will use a bank loan);
Insurance benefits are determined by replacement value - we calculate and pay the insurance benefit based on the actual costs that will be needed to restore the damaged property to a condition approaching, but not better than, the condition in which it was found as new ;
We provide a reinsurance program with top class reinsurers and this allows us to maintain the level of service even with catastrophic risks.
Where can you take out the insurance?
You can take out "Protected Home" insurance at all our offices (link to contacts), as well as at our insurance intermediaries who are our partners.
