Modern realities force us to take care of the safety of not only our own life and health, but also our property. Find out how to get reliable protection for your property against burglary and theft, domestic incidents, natural disasters, and war risks

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

INSURE

In today's world, where unpredictability has become almost a constant, the issue of protecting personal property is of particular importance. Especially in Ukraine, where today's realities dictate new rules for survival and protection. That is why Visit Ukraine portal now offers reliable protection for your property - real estate insurance. This product is designed to provide peace of mind and confidence to owners of apartments and houses and turns insecurity into a reliable rear.

Why do you need home insurance?

Home insurance is your personal financial shield against life's surprises, and it's not just about war risks. It is an opportunity to avoid losing all your property due to a sudden fire, natural disaster, robbery, or other unforeseen circumstances. Instead of having to compensate for huge losses yourself, you pay a small amount and have a guarantee of quick compensation. In essence, it is an investment in peace of mind and confidence in the future.

Insurance provides compensation in case of damage to real estate and property in an apartment or house in the event of:

● Natural disasters;

● Fires and smoke;

● Technogenic accidents (gas leakage, breakdown of communications, etc.)

● Unlawful acts (burglary, robbery, intentional damage to property by third parties);

● War risks (depending on the chosen package).

In addition, real estate insurance provides coverage for civil liability to third parties. That is, if a fire, household gas explosion or flooding occurs through the fault of the owner or user of the insured property and causes damage to the life, health or property of neighbors, the insurance will cover these losses.

In some insurance packages, you can additionally receive reimbursement for temporary relocation costs (payment for a truck) if the insured property is declared uninhabitable. It also covers the cost of restoring property documents lost as a result of an insured event.

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Who can insure a home and what is required for this?

Real estate insurance is available to all citizens of Ukraine. You can insure both your own apartment and house, as well as rented housing. To take out insurance, you only need a passport and an identification code (TIN), and you do not need any documents for real estate ownership. No inspection of the premises or property valuation is required when concluding an insurance contract. You can independently assess the value of the real estate object and property, and depending on this, choose the amount of insurance.

Real estate insurance conditions:

● The apartment or house must be completed and put into operation, and all repair and restoration work must be completed;

● the property must not be pledged to a bank or any other financial institution

● the building must not be in an emergency condition.

What can and cannot be insured?

According to the terms and conditions, the subject of insurance is the structural elements of the real estate (walls, partitions, slabs, windows, etc.), interior decoration, movable property (furniture, household appliances, interior items, etc.), communications, and civil liability.

At the same time, the insurance does not cover certain property that may be in the apartment or house, namely:

● cash

● books

● toys

● documents

● jewelry

● paintings and other works of art.

In which regions of Ukraine is apartment and house insurance available?

You can insure real estate within Ukraine, except for the frontline territories where active hostilities are taking place and the temporarily occupied territories, in the following regions: Donetsk, Luhansk, Zaporizhzhia, Kherson, Mykolaiv, Dnipro, Kharkiv, Sumy, Chernihiv regions (except for Chernihiv city, Nizhyn and Pryluky districts) and the Autonomous Republic of Crimea.

How do I get home insurance on Visit Ukraine?

There are currently three types of home insurance available on the Visit Ukraine website:

➤ Express apartment insurance (basic) - which covers: natural phenomena, illegal actions, household risks and damage to the health of neighbors if their home is damaged due to your unintentional fault;

➤ Express apartment insurance with war risks - which provides full coverage of basic apartment insurance and additionally covers damage to real estate (including windows, balconies and loggias) as a result of falling missiles, UAVs, drones and their fragments, explosions of ammunition and mines (except for nuclear, biological and chemical weapons);

➤ Express house insurance with war risks - which has the same coverage as apartment insurance + war risks.

To take out insurance, select the appropriate type of insurance and follow the link. After that, you need to follow a few simple steps:

1. Select the sum insured, the region of residence, and the effective date of the insurance policy

2. Fill out the form with information about the property and the person insuring the property.

3. Agree to the terms of the contract and confirm the registration (through a special code that will be sent to the specified e-mail).

4. Pay for the insurance in a way convenient for you: a card of any bank of the world (Visa or Mastercard), Apple Pay, Google Pay and American Express payment systems, or payment in installments (if the cost of insurance exceeds UAH 4,000) through WayForPay (Monobank, PrivatBank, A-bank).

5. Receive a ready-made insurance policy to the specified e-mail.

How much does it cost to insure an apartment or house online?

The price of insurance does not depend on the area of the property, the floor on which the apartment is located, the number of rooms, the cost of repairs, and other factors. The cost is formed depending on clearly defined parameters:

1. The amount of insurance that the client chooses independently;

2. Type of insurance - for an apartment or a house (basic or with war risks);

3. The region where the property is located (Kyiv and its region or other regions of Ukraine) - for basic apartment insurance (without war risk coverage).

The insurance payment system is completely transparent, there are no hidden fees on the Visit Ukraine website.

For example, to insure an apartment against basic and war risks worth UAH 1 million for 1 year will cost about EUR 216 (~ UAH 9,400), and to insure a house with similar coverage for a year will cost about EUR 152 (UAH 6,600).

Real estate insurance is not just a piece of paper, but a real shield for your peace of mind and financial security. Don't wait until life circumstances make you regret not having insurance. Protect your property today - take a few simple steps on the website and get reliable protection for yourself and your family. Your future is in your hands!

For more information, please contact the Visit Ukraine hotline via your preferred messenger (WhatsApp or Telegram).

We remind you! Mini CASCO is a voluntary car insurance that covers losses not only in the event of an accident, but also in the event of passive war risks. Read more about how the policy works and whether you can get compensation if your car is damaged by missile and drone fragments in our previous article.

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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