All Risks

Full protection of the goods that are dear to you.

Imagine that the beautiful piece of jewellery you gave to your spouse disappears, your new coat is burned by a cigarette, or the gable of the house collapses during the construction of your house.

“All Risks” insurance covers all damage (risks) that your property may suffer.

A few examples:

• jewellery, clothing, computers, weapons, paintings,etc.
• houses under construction (All Construction Site Risks)
• your home (All Home Risks)

Theft

This policy is designed to protect your assets in the event of theft involving a break-in or violence.

Various options are available to safeguard you against these "unwanted visitors". You can choose either full coverage (100% of the insured capital) or partial coverage (50% of the insured capital).

The cost of this coverage will depend on the location of your property (whether it is adjoining or isolated), which may determine whether your insurer requires the installation of prevention systems (such as alarms, remote monitoring, or security locks). If you voluntarily install a Company-approved alarm system, you may be eligible for a premium discount.

Additionally, in some policies, you can opt to include or exclude coverage for your jewellery and valuables.

Fire

Home Fire Insurance covers your home and its contents in the event of a fire and other related risks. Always insure for the exact value; otherwise, the compensation may be reduced in proportion to the underinsurance.

This policy is intended for buildings and their contents primarily used as residences, with the possibility of secondary use as an office or for practising a liberal profession (excluding pharmacies).

This insurance provides compensation for:

• material damage caused to insured property,
• expenses resulting from an accident,
• damage to third parties, etc.

No matter which insurer you choose, this insurance offers basic coverage that protects against much more than just fire:

• fire,
• explosion,
• implosion,
• lightning,
• electricity,
• collision by vehicles,
• real estate deterioration,
• vandalism and malice,
• labour disputes and attacks,
• storm,
• hail,
• pressure from snow and ice,
• water damage and liquid fuel leaks,
• broken windows and damage to sanitary facilities, etc.

In addition to these basic coverages, a range of optional guarantees can be added based on individual needs, such as:

• indirect losses,
• theft of the contents of the home,
• liability for damage caused to others,
• earthquake, etc.

Always insure your property and belongings for their exact value; otherwise, in the event of a claim, the compensation may be reduced proportionally to the underinsurance.

Tenant Insurance

If you are renting or occupying a property, you need to cover your tenant liability arising from your lease agreement. This means providing coverage to protect your landlord against damage to the rented property due to fire, water damage, and similar incidents.

"Tenant liability" insurance differs from the policy taken out by the property owner. The tenant covers their own liability, and the insured amounts must reflect the actual value of the rented property, which is the reconstruction value less depreciation. (The owner, on the other hand, insures up to the full reconstruction value.)

The insurer distinguishes between a tenant and a full or partial occupant.

To ensure you are protected against any claims from the landlord, we offer various valuation methods.

Tenant Liability Insrance covers:

• fire,
• explosion,
• storm,
• water damage,
• vandalism & attacks,
• labour disputes,
• glass breakage, etc.