House All Risks Insurance + War Risks

A house insurance policy protects your real estate and property from the following risks:

1. War risks:

• Damage to housing by missiles, UAVs, drones or their fragments.
  
• Explosions of ammunition, mines, bombs.
  
• Other military actions (except for nuclear, biological and chemical weapons).
  

2. Damage to glass: windows, balconies, loggias, even as a result of military risks.

3. Household risks: fires, household gas explosions, water accidents.

4. Natural disasters: for example, earthquakes, lightning or severe storms.

5. Unlawful acts: burglary, robbery or mugging.

6. Damage to neighbors: if you unintentionally cause damage to neighboring property, the insurance company will cover the costs.

A house insurance policy can be taken out by both its owners and other persons. For example, even tenants can insure a house if they use it and want to protect themselves from financial liability in the event of unforeseen situations or damage in the home.

If your home was damaged, don't worry - follow these simple steps:

1. Notify the insurance company as soon as possible (within two days).

2. Do not touch the damaged property - it is important to leave everything as it is until it is examined by specialists.

3. Collect documents from the police, rescuers or other services that confirm what exactly happened.

4. Submit these documents to the insurance company and wait for compensation - the money will be received within 15 days.

No, the size of the house or household does not affect the price of the insurance policy. These indicators are not taken into account in the contract. You independently determine the amount of the sum insured from the options provided, focusing on the real value of your property.

Yes, one insurance contract covers all residential buildings and outbuildings located within the same household. It can be a summer kitchen, garage, sauna, barn or other buildings at the address specified in the insurance policy.

In the case of war risks, the following steps should be taken:

1. Call the police, who will record the damage and open a criminal case under the article on violation of the customs and rules of war.

2. Obtain an extract from the Unified Register of Pre-trial Investigations (URPI) - this is the main document confirming the fact of the insured event.

Additionally, the following documents must be provided:

• An application for reimbursement.
  
• Insurance policy or certificate.
  
• Notification of the insured event.
  
• TIN of the applicant.
  
• Passport.
  
• Documents confirming the ownership of the property.
  
• Technical passport of the property.

If the amount of damage exceeds UAH 27 thousand, you must fill out a questionnaire.

The main feature of house insurance is that the policy covers not only household and natural risks, but also protects against war risks. In particular, the insurance includes compensation for damage caused by falling rocket fragments, drones, ammunition or mine explosions.

The following objects are not covered by a house insurance policy:

• Cash
  
• Books
  
• Toys
  
• Documents
  
• Paintings and other works of art
  
• Jewelry

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You can always contact the portal's hotline and we will promptly make the necessary changes to the insurance policy.