Even if the owner is abroad, they can protect their home from theft, fire, flooding, and other risks. Learn more about reliable real estate insurance from Visit Ukraine

Insure your apartment and property against damage, destruction and theft in 5 minutes

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In today's realities, the issue of protecting real estate is critical, especially in the event of a long absence of the owner. Regardless of the reason for traveling, whether it's a business trip or a forced move abroad, your property needs reliable protection.

However, not all Ukrainians know that you can insure your home against almost all common risks, even if you are abroad. Here's how to prepare an apartment or house for a long absence of the owners and how to minimize possible risks.

In our previous article, we explained how foreigners can insure their cars in Ukraine.

How to prepare your home for a long absence of the owners?

Before leaving your home for a long time, you need to carefully prepare it to minimize the risks of damage or loss of property. First of all, you should take care of valuables: jewelry, cash, and important documents should be deposited with relatives or rented a safe deposit box. If you have expensive appliances, you can leave them for safekeeping with friends or family.

Technical preparation of the apartment is a mandatory step. Do not forget to turn off the water and gas valves to prevent possible accidents. All electrical appliances, except for those that ensure the operation of the alarm system, should be unplugged. The refrigerator should be completely free of food to avoid spoilage and unpleasant odors.

Organizational aspects are equally important. Leave a set of keys with a trusted person who can periodically inspect the premises. Warn the utilities about your absence to avoid possible misunderstandings with payments. Take care of indoor plants and pets: find responsible people to take care of them or leave them in specialized facilities.

And the most reliable way to protect your property is home insurance from trusted agents on the Visit Ukraine platform. This is not just a piece of paper, but a real tool to protect your property and personal peace of mind. By taking out an insurance policy in a few minutes, you will receive a reliable financial shield against various risks.

In the previous article, we provided answers to all the most common questions about real estate insurance in Ukraine.

What does an apartment insurance policy cover?

Comprehensive apartment insurance protects property from various risks and includes coverage for damages to structures and communications (windows, balconies, loggias), interior decoration, furniture, appliances, and other interior items.

The policy covers losses in the event of the following insured events:

- Natural disasters: storm, lightning and other natural disasters.

- Domestic incidents: fire, smoke, flooding, explosion of household gas.

- Illegal acts: burglary, damage to property by third parties.

- War risks: damage from falling missiles, explosions of ammunition or drones (except for weapons of mass destruction).

In addition to protecting your property, the insurance covers civil liability. If a fire, explosion, or flood caused by the unintentional actions of the apartment owner causes damage to the property, health, or lives of neighbors, the insurance company will compensate for these costs. This solution avoids significant financial losses and guarantees peace of mind in unforeseen situations.

An insurance policy for a house has a slightly broader coverage. It covers the rebuilding of the foundation, walls and roof, restoration of the adjacent territory (terraces, outbuildings, garage, gates and fences, etc.), and repair of utilities. Additionally, the costs of restoring documents and moving to temporary housing (truck services) are indemnified.

It is important to keep in mind that anyone can take out home insurance, even a tenant of an apartment.

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Are there any restrictions for real estate insurance?

To take out an insurance policy, your home must meet the following requirements:

- The apartment or house must be completed and put into operation after all repair and restoration work has been completed;

- The property cannot be pledged to a bank or other financial institution;

- The property must not be in a state of disrepair.

Another important requirement is the location of the property. Since the beginning of the full-scale invasion, it has been impossible to insure housing in the frontline and occupied regions: Donetsk, Luhansk, Zaporizhzhia, Kherson, Mykolaiv, Dnipro, Kharkiv, Sumy, Chernihiv regions (except for the city of Chernihiv, Nizhyn and Pryluky districts) and the Autonomous Republic of Crimea).

How much does it cost to insure a home?

The cost of insurance does not depend on the region, area or number of rooms. The price is influenced solely by the amount of insurance, which the client chooses independently based on the assessment of the property value.

The cost of apartment insurance, taking into account the specified sum insured:

- 125,000 UAH - 40.0 € per year;

- 250,000 UAH - 66.2 € per year;

- 5000 000 UAH - 120.3 € per year;

- 700,000 UAH - 159.9 € per year;

- 1 000 000 UAH - 216.4 € per year;

- 2 000 000 UAH - 399.1 € per year.

The cost of insuring a house, taking into account the specified sum insured:

- 125,000 UAH - 32.0 € per year;

- 250,000 UAH - 51.8 € per year;

- 5000 000 UAH - 93.0 € per year;

- 700,000 UAH - 118.1 € per year;

- 1 000 000 UAH - 152.6 € per year;

- 2 000 000 UAH - 271.2 € per year.

Payment can be made in any way convenient for you: by Visa or Mastercard, Apple Pay, Google Pay, and American Express. It is also possible to pay in installments for policies whose cost exceeds UAH 4,00 via WayForPay (Monobank, PrivatBank, A-bank).

How do I choose the right insurance policy to protect my home?

There are currently 3 real estate insurance programs available on the Visit Ukraine portal:

1. Express apartment insurance;

2. Express apartment insurance + war risks;

3. Express house insurance + war risks.

You should choose a policy according to the type of real estate and the risks from which you need to protect your property. Our customer service is ready to provide comprehensive assistance with the selection and execution of an insurance policy (WhatsApp/Telegram).

We remind you! Unfortunately, destroyed houses and cars have become a reality of Ukrainians' lives. Therefore, it is extremely important to protect your property and health from the daily shelling by the occupiers. Read more about insurance products covering war risks on the Visit Ukraine portal.

Want to know more? Read the latest news and useful materials about Ukraine and the world in the News section.

We recommend purchasing it for a safe and comfortable trip to Ukraine: 

Visit Ukraine Insurance – insurance covering military risks for entry and travel in Ukraine;

Visit Ukraine Car Insurance – car insurance with extended coverage in Ukraine;

Visit Ukraine Legal Advice – comprehensive legal support on entry to Ukraine;

Visit Ukraine Tickets – bus and train tickets to/from Ukraine;

Visit Ukraine Tours – the largest online database of tours to Ukraine for every taste;

Visit Ukraine Hotels – hotels for a comfortable stay in Ukraine;

Visit Ukraine Merch – patriotic clothing and accessories with worldwide delivery.

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