
Household Insurance with Emergency Cover
Advantages for You
- Available in three basic packages (Extra, Plus, Mini) and one tailor-made package (Individual)
- Arranged directly by your relationship manager with no need to visit the insurer in person
- Provided with personal liability insurance (optional)
Detailed Information
Insurance Holders
- Household members living in any type of a building (permanent households).
Insured Property
- movables (household equipment); household equipment and furnishing leased from the landlord; cash, valuables, securities, payment cards;
- jewellery, gems, precious metals and stones;
- audio-visual and IT devices, photographic devices;
- antennas and satellites;
- bicycles stored in residential premises, non-residential premises and common areas of a building;
- other sports equipment;
- kitchen and other home appliances;
- textiles and decorations;
- personal possessions of household members;
- small pets (cats, dogs, guinea pigs, etc.);
- motor vehicle parts and accessories (spare tyres);
- ordinary food supplies;
- books, plants, flowers, etc.;
- prams, pushchairs and wheelchairs stored in residential premises, non-residential premises and common areas of a building;
- employment-related things and items;
- building appurtenances purchased at the expense of the insured.
Insured Perils
- fire, lightning (direct strike), explosion, airplane crash; smoke, car crash, sonic boom;
- discharge, leakage or overflow of water (water pipe leaks / sewage spills), cracked water pipes, aquarium spills (own aquarium);
- windstorm, hail, weight of ice, snow or sleet, crash of trees, telegraph poles and other objects;
- burglary and theft, related vandalism.
Optional Covers
- shattered glass; flood damage;
- landslide damage, rockslide damage, earthquake damage, avalanche damage;
- damage caused by lightning (indirect strike), overvoltage, low voltage ‘brownouts’;
- damage caused by atmospheric conditions;
- damage caused by vandals;
- damage caused by graffiti;
- water loss (discharge, leakage or overflow of water / water pipe leaks).
Supplementary Insurance
- enhanced emergency cover; personal liability insurance, incl. liability of a pet owner / caretaker and extended liability of the insured for household-related damages and personal injury (temporary households in the Czech Republic or Europe);
- tick-borne encephalitis.