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.