In today's world, circumstances often arise when owners are forced to leave their apartment for a long time. However, leaving your home without proper protection means exposing your property to significant risks: from domestic troubles to unlawful encroachments. Find out more about how to properly prepare your apartment for a long absence and ensure its reliable insurance protection

Apartment insurance against damage, destruction and theft

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A long absence from your own apartment is always associated with worries about the safety of your property. Regardless of the reasons for your trip - whether it's a business trip, studying abroad or forced relocation - your property needs reliable protection. How to prepare an apartment for a long absence of the owners and how to minimise risks and possible financial losses will be discussed further in this article.

Preparing an apartment for a long absence: precautions to take

Before leaving your apartment, it is important to make thorough preparations that will reduce the risk of property damage. When it comes to the safety of valuables, it is best to be as prudent as possible. It is worth transferring the most valuable items, such as jewellery, cash and important documents, to close relatives for safekeeping or renting a safe deposit box. If possible, it's a good idea to ask friends or family to store expensive appliances and particularly valuable items.

Technical preparation of the apartment should include a number of mandatory actions. Water and gas valves should be turned off to prevent potential accidents. Electrical appliances should be unplugged, leaving only those that ensure the operation of the alarm system connected. Particular attention should be paid to the refrigerator - it should be completely free of food to avoid unpleasant odours and spoilage.

Organisational issues play an important role in ensuring the safety of property. It is worth finding a reliable person to whom you can leave a set of keys. It is advisable to arrange for a periodic inspection of the apartment, which will allow you to monitor the condition of the premises. It is important to notify utilities in advance of a long absence to avoid misunderstandings with charges. Don't forget about potted plants and pets - they should either be handed over to someone else's care or you should find someone responsible to take care of them.

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Apartment insurance: reliable protection of your property

Apartment insurance is not just a piece of paper, but a real tool for protecting your real estate, property and personal peace of mind. By taking out an insurance policy, you get a reliable financial shield against a wide variety of risks. In the event of an insured event, you will be able to receive financial compensation for damaged, destroyed or stolen property, significantly minimising your own material losses.

Visit Ukraine portal offers two insurance packages to choose from, which take into account the modern realities and needs of property owners.

Express apartment insurance

On Visit Ukraine portal, you can take out Express apartment insurance, which will provide reliable protection of real estate in the absence of the owners. The package includes indemnity for:

- structural elements of the apartment (including windows, balconies and loggias);

- engineering communications;

- interior decoration of the premises;

- furniture and household appliances;

- interior items.

Losses are indemnified if the property is damaged as a result of insured events. Such events include natural phenomena (lightning strike, storm, hurricane, etc.), domestic incidents (fire, smoke, flooding, etc.) and illegal actions of third parties (property damage, theft, robbery, etc.).

An important feature is civil liability coverage: if your unintentional actions (fire, gas explosion, flooding) cause damage to the property of your neighbours, the insurance company will compensate for the damage.

Express apartment insurance + war risks

Visit Ukraine portal also offers an extended package Express apartment insurance + war risks.

This package includes indemnification for damages to the apartment's structures and communications (including windows, balconies and loggias), interior decoration, furniture, household and other appliances, and interior items in the event of an insured event. Such events include:

- natural events (lightning strike, storm, and other natural disasters);

- household incidents (fire, smoke, flooding, explosion of household gas);

- unlawful acts of third parties (property damage, burglary, robbery, etc.);

- war risks (fall of missiles, UAVs and drones, explosions of ammunition and mines, except for nuclear, biological and chemical weapons).

Indemnification of losses to third parties (civil liability) occurs if a fire, household gas explosion or flooding occurs through the fault of the user or owner of the insured dwelling, causing damage to the life, health or property of neighbours (provided that it happened unintentionally).

Benefits of apartment insurance on Visit Ukraine portal

- Compensation for losses from the most common risks.

- Protection of real estate and property up to UAH 2,000,000.

- Compensation for damage to neighbours in case of unintentional actions.

- Fast processing (5 minutes).

- Minimum list of documents (passport and TIN).

- Possibility to insure your own and rented apartment.

- Affordable price.

By choosing insurance on the Visit Ukraine portal, you get not only financial protection, but also confidence that your most valuable property will be protected under any circumstances.

Just a reminder. Unfortunately, destroyed houses and cars have become a reality of Ukrainian life. Therefore, it is extremely important to protect your property and health from the daily shelling by the occupiers. To learn how to insure your property against war risks, please follow the link.

Photo: Freepik

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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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