How to insure your apartment against missile arrival: secure your home during the war with Visit Ukraine

Since the beginning of the full-scale invasion, thousands of real estate objects have been destroyed due to Russian aggression. No one knows where the occupiers will strike tomorrow. Therefore, every family across Ukraine runs the risk of being left homeless. Learn more about why you should insure your apartment, what compensation you can get and where to buy a reliable insurance policy

Apartment insurance against damage, destruction and theft

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Usually, for insurance companies, war is a force majeure event, so it is an exception to contracts. However, since the beginning of the full-scale invasion, companies have started insuring real estate against war risks. Now you can insure your house, apartment, and car against missiles, falling shell fragments, or shakedowns.

Visit Ukraine knows exactly how to protect your property from aggressor attacks.

Features of real estate insurance during the war

How can you protect your home from “arrivals” during the war and ensure compensation in case of damage or destruction of property?

First of all, carefully read the terms of the insurance contract. It's important to check whether the policy lists war as an insured event. If there is no such clause, the insurance company will not be obliged to pay compensation for losses caused by the war, referring to force majeure.

War is a common exception in insurance contracts worldwide. Protection against war risks is provided under special programs that must be arranged in advance. Choosing the right insurance program is the key to protecting property financially.

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

Why insure apartments against war risks?

The insurance payment will allow you to restore repairs, compensate for damage, and cover the cost of furniture and household appliances in the event of an insured event. This is important because the aggressor country may take an indefinite time to compensate for the damage.

Home insurance programs during wartime cover:

- Damage from military operations;

- Fires, explosions, lightning strikes;

- Natural disasters;

- Accidents of water supply systems;

- Damage to housing as a result of road accidents;

- Damage due to construction works in neighboring buildings;

- Hooliganism and robbery;

- Liability to neighbors.

This is a reliable way to protect your home during the war.

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What compensation can I get for the housing damaged as a result of air raids?

The amount of insurance payment is determined by the level of damage, but does not exceed the sum insured specified in the contract minus the deductible. Home insurance covers the costs of restoration, repair work, materials, and damage to household appliances, furniture, and interior items.

The contract may provide for payments as a percentage of the value of the property. However, war risks may be included in the rear regions. In the frontline areas, it is difficult to calculate such risks due to constant shelling. Insurance companies are guided by the statistics of attacks in the rear, including rocket and drone attacks.

Where to insure property with war risk coverage?

There are dozens of insurance companies in Ukraine, but only a few of them offer property insurance against war risks. Most insure only cars, less often cars and houses, and apartments are usually left out.

Demand for insurance services that include war risks is growing, and this is prompting more and more companies to adapt their offerings. When choosing an insurance company, it is important to read the details carefully, because not all details are always available on official websites.

On the Visit Ukraine platform, you can take out a reliable and profitable policy to protect your home during the war. The policy guarantees quick compensation for the costs of repairing and restoring your apartment. The main advantage is the avoidance of significant financial losses. This gives owners and tenants confidence that even in the event of unforeseen circumstances, they will not be left without support.

Who can get insurance?

Apartment owners and tenants can take out insurance policies. This is convenient for those who rent and want to protect themselves from unforeseen expenses. Everything happens online, without the need for property inspection or complicated bureaucracy.

In the previous article, we talked about the features of home insurance for renters.

What does apartment insurance from Visit Ukraine cover?

Comprehensive apartment insurance provides financial protection for owners and tenants in case of unforeseen situations. The policy covers damages caused to structures, communications, interior decoration, furniture, appliances, and interior items.

Insured events include:

- Natural disasters (storm, lightning, other natural phenomena);

- Domestic incidents (fire, smoke, flooding, gas explosion);

- Actions of third parties (theft, robbery, intentional damage to property);

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

The policy also covers damage to third parties in the event of unintentional flooding, fire or explosion that causes damage to neighbors. This guarantees financial support for property restoration and protection against unexpected expenses.

How much does it cost to insure an apartment against war risks?

The cost of a policy for an apartment, which includes basic coverage and protection against war risks, is determined by the amount of insurance coverage that the client chooses independently. The price does not depend on factors such as the area of the apartment, floor, number of rooms, people living there, or the level of repair. This allows the owner to independently assess the condition of the property and choose the optimal amount of insurance according to their needs.

For example, the minimum annual cost of the policy is €40, which provides for an insured amount of UAH 125,000. By paying €66.2 per year, you can receive €250,000 in compensation. The most expensive policy costs €399.1 with an insured amount of UAH 2,000,000.

Everyone can choose an insurance policy depending on their budget. You only need 5 minutes of free time and a minimum of expenses, because the price of apartment insurance is affordable for everyone.

In today's realities, home insurance is not a luxury, but an investment in financial stability, self-confidence and peace of mind. Do not rely on chance - protect your future right now with Visit Ukraine!

To apply for insurance, follow the link or write to our managers in the chat (WhatsApp or Telegram) to get help and answers to additional questions.

We remind you! The current reality of Ukraine has forced Ukrainians to look for new ways to protect their property. After all, rocket attacks and UAV attacks have become a serious threat to civilian infrastructure in many regions of the country. Read more about how to insure real estate against damage caused by explosions and falling missiles and shaheds.

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

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