Insurance of an apartment without inspection: when is it possible and how to take out insurance online?

Insurance of an apartment without inspection is a convenient way to get reliable home protection online. Find out when it is possible, how to apply for a policy and save time

Apartment insurance against damage, destruction and theft

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Are you looking for a fast and modern way to take out an insurance policy that allows you to get reliable financial protection for your home without wasting time on a visit to an appraiser or agent? Then you should definitely choose insurance without an inspection!

In the digital age, more and more people are striving to simplify various processes, and the insurance market is not left out of this trend. Let's find out in which cases insurance of an apartment without an inspection is possible, how it works, and why online insurance can be a convenient and profitable solution.

Take care of your real estate - choose an insurance policy on the Visit Ukraine portal

What does no-claims apartment insurance mean?

With traditional property insurance, an insurance company representative (agent or appraiser) comes to the property to assess the condition of the apartment, determine the degree of risk, and set the cost of insurance coverage.

If the company offers insurance without an inspection, the application procedure is simplified. The policyholder only needs to provide basic information about the apartment (address, area, floor, year of construction, state of communications, etc.) and documents confirming ownership. The inspection of the property is usually carried out remotely, and the decision on the sum insured and insurance is made on the basis of standard or pre-established tariffs and rules.

When is it not necessary to call an agent to inspect a property?

The process of calling an agent is optional when the property does not have unique design features and the condition of the apartment is not in doubt, or if you own an apartment in a new building and can confirm that the building has been put into operation recently.

Advantages of remote insurance policy issuance

Time saving: no need to wait for a specialist to come to inspect the property.

Online access: you can conclude a contract from anywhere in the world - all you need is a computer or smartphone with an Internet connection.

Convenient calculations: most insurance services provide calculators for calculating the cost of the policy.

Fast payment: you can pay for the policy with a bank card or electronic money, and receive the insurance itself by email.

When can I insure an apartment without an inspection?

Many insurance companies have their own requirements for real estate that can be insured without an inspection. As a rule, it is necessary that:

✅ The house was not in a state of disrepair.

✅ The apartment was not subject to major repairs or large-scale reconstruction.

✅ The property was not used as an office or production facility.

✅ The area of the apartment and its number of storeys met the restrictions of a particular insurance company.

For example, in the case of online insurance on Visit Ukraine, almost anyone can insure a home without an inspection if the standard requirements described above are met. However, the company may request additional information (photos and videos of the apartment) or documents to confirm the condition of the property.

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How to take out apartment insurance online?

If you want to take out insurance in the shortest possible time, we recommend doing it on our portal. You should go to the ‘Real estate insurance’ section → select → type of insurance (for example, express apartment insurance + military risks) → select the amount of insurance and the effective date → select an insurer → provide the necessary data.

What does property insurance cover?

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

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

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

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

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

Yes! You can take out insurance with military risks on the Visit Ukraine portal. This package is very popular because during wartime, the risk of damage to housing due to air threats is very high.

How much does it cost to insure an apartment without an inspection?

The cost of an uninspected policy depends on the same factors as with regular insurance. The price of insurance may vary depending on the chosen tariff and the amount of compensation.

On the Visit Ukraine portal, prices for apartment insurance start at €28.9 (basic package) and can reach €399.1 with a maximum compensation of UAH 2 million, which also covers military risks.

In general, insurance without an inspection can cost the same as a policy issued according to the traditional scheme, as the main calculation is based on the data provided by the client online.

Why choose online insurance on Visit Ukraine?

❗️ Convenience and efficiency: you can apply for a policy completely online at any time of the day, without having to meet with an agent.

❗️ Affordable rates: due to the absence of travel expenses, companies can offer competitive prices.

❗️ Extensive protection: by choosing the right plan, you can cover key risks related to real estate and war.

❗️ Reliable support: the support service promptly answers questions and helps to resolve any difficulties related to an insured event or paperwork.

❗️ Official electronic policy: you receive an official insurance document by email, which has the same legal force as the paper version.

Online apartment insurance without an inspection is the best solution for those who value their time, want to reduce formalities and want to get reliable home protection. On the Visit Ukraine platform, the registration process is as simple and fast as possible, and if necessary, you can always seek advice to find the most suitable insurance programme.

We previously wrote about how the cost of apartment and house insurance has changed in 2025 and how to choose a real estate insurance company.

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

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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;

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