How to protect your cottage or country house from unforeseen events?

A country house is not only a space for recreation, but also a significant asset that requires proper protection. Preserving this property in the face of unforeseen events and martial law is becoming increasingly important. Learn more about the features of country house insurance with war risk coverage on the Visit Ukraine platform

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

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Your residential or country house is not just walls and furniture, but a real dream nest created with love and great effort. It's a place of peace and protection that energizes you and gives you confidence. You have put a lot of effort into making it comfortable and cozy. However, unpredictable events happen in life: natural disasters, fires, arson, or theft. It is impossible to completely avoid such risks.

Protecting your home from possible risks is a rational decision for every owner. Losing the property you have built up over the years is one of the most unpleasant situations you don't even want to think about. Insurance will help protect your home and give you confidence that in the event of unforeseen circumstances, you will be able to quickly restore the balance.

In our previous article, we discussed whether it is possible to insure real estate if its owner is abroad.

Why is it necessary to insure country houses?

Insurance of private houses, summer cottages and country cottages is not only a reasonable but also a sensible step to ensure the protection of your property. Unlike apartments, private buildings are more vulnerable to the elements, external factors, and even criminal acts. This is especially true for summer cottages, which are usually left unattended for most of the year.

Even modern security systems and reliable locks cannot guarantee complete protection. In addition, there are risks associated with natural disasters: floods, fires, hurricanes, or falling trees.

Insurance helps to avoid financial losses. The cost of an insurance policy is much less than the money that can be spent on restoring damage or loss of property.

You can find answers to the most frequently asked questions about real estate insurance in Ukraine by following the link.

What exactly does country house insurance cover?

Home insurance provides financial protection in case of damage or loss of property due to several risks.

The policy provides for compensation for losses from:

- Natural disasters: heavy rains, hurricanes, lightning strikes, etc;

- Domestic accidents: fires, smoke, gas leaks;

- Unlawful acts: theft, burglary;

- Warfare: falling missiles, ammunition explosions, UAVs (except for weapons of mass destruction).

Additionally, the insurance includes compensation for damage caused to third parties if a fire, gas explosion or flood occurs through the fault of the homeowner and damages the property or health of neighbors.

The policy covers:

- Restoration of structures (walls, roof, foundation);

- Repair of adjoining structures (garage, fence, gate);

- Restoration of engineering networks (heating tanks);

- Replacement of damaged furniture, appliances, and interior;

- Repair of exterior and interior decoration.

Additional coverages include the costs of restoring real estate documents, moving to temporary housing, clearing the territory and disposing of the remaining property.

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How much does private house insurance cost?

The cost of insurance does not depend on the size of the house or land plot, the number of rooms, or the quality of repairs. It is solely influenced by the amount of insurance coverage, which you can choose yourself:

- UAH 125,000 - €32.0 per year;

- 250 000 UAH - 51.8 € per year;

- 500 000 UAH - 93.0 € per year;

- UAH 700,000 - €118.1 per year;

- 1,000,000 UAH - €152.6 per year;

- 2 000 000 UAH - €271.2 per year.

Are there any restrictions on home insurance?

When insuring your home, you should take into account certain restrictions. It is impossible to insure real estate that is pledged by a bank or other financial institution. Also, insurance companies do not accept for insurance housing that is in disrepair or has not been completed.

Insurance is available in any region of Ukraine, except for frontline areas and temporarily occupied territories: Donetsk, Luhansk, Zaporizhzhya, Kherson regions, the Autonomous Republic of Crimea and other territories with active hostilities.

The policy does not cover losses caused to certain types of property: cash, jewelry, documents, books, works of art or toys. The limits of insurance indemnity are also clearly defined: structural elements - up to 70%, decoration - up to 20%, and the contents of the house - up to 10% of the total sum insured.

How to take out home insurance on the Visit Ukraine portal?

You can take out home insurance with war risk coverage online in a matter of minutes on the Visit Ukraine platform. You just need to follow the link and follow the instructions below:

1. Choose the sum insured based on the property value;

2. Indicate the date of the insurance policy's commencement;

3. Fill in the form with information about the house (city and address) and the person insuring the property (full name, date of birth, TIN, contact phone number and e-mail address);

4. Agree to the terms of the contract;

5. Confirm the registration through a special code that will be sent to the specified e-mail address;

6. Pay for the policy in any convenient way: Visa and Mastercard, Apple Pay, Google Pay and American Express payment systems. For insurance policies that cost more than UAH 4,000, payment in installments is available through WayForPay (Monobank, PrivatBank, A-bank).

In a few minutes, you will receive a ready-made electronic insurance policy for your home to the specified email address.

Don't miss out on the opportunity to protect your home from unwanted risks — reliable protection costs as little as €32 per year!

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 of the occupiers. Read more about insurance products covering war risks on the Visit Ukraine portal.

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