Property
Home is a place where people want to come back, it is comfort and convenience created in the course of years, it is a whole universe inhabited by cherished articles, memories and dreams.
Preservation of this universe is the quintessence of a personal financial well-being. The risk to lose everything that has been created for many years by personal efforts is too high to be neglected.
Being aware of the high price of your feelings of confidence and peace, we offer you something more valuable than just insurance. We help you to build your own world.
You can insure in our company:
• apartment;
• house or a country cottage.
Advantages of insurance in our company:
· policy complexity means a possibility to insure a building (apartment) with interior finishing, household effects and civil liability under one policy
· option to execute contracts without documents confirming the actual cost of the insured property, at this, the insurance amount will be determined by agreement of the parties within the limit of the actual cost;
· absence of any compulsory franchises;
· no limit is set on the number of insured events during the policy validity term;
· insured events are considered within 10-day period;
· option to pay the policy value by installments;
· possibility to select a policy currency (RUB, USD, EUR);
· a system of flexible discounts and coefficients;
· option to conclude a contract from you home by inviting our specialist to visit you at home or by purchasing it by addressing directly this web-site.
What risks are insurable:
• damage by water;
• fire, explosion;
• illegal action of a third party (theft, robbery, violent robbery);
• natural disasters;
• stroke of lightning;
• act of terrorism;
• fallback of piloted flying objects or their wreckage;
• other harmful actions.
Insurable objects
Structural elements of a town apartment:
• floor structures;
• main walls;
• bearing walls;
• balconies and recessed balconies.
Structural elements of a town or country house:
• footing;
• walls;
• roof;
• floor structures and partitions;
• external wall finishing.
Internal finishing components:
• door and window units;
• floors;
• light interior partitions;
• finishing materials (applied or attached to floor, ceiling or wall surfaces).
Engineering equipment:
• systems of
- heating (including, floor, wall, ceiling heating);
- fire safety, ventilation;
- water supply (including, water blocking facilities, sinks, baths, shower cubicles, etc.);
- canalization (including, sanitary plumbing equipment of toilets);
- gas supply (including, gas water heaters);
- power supply;
• electrical devices (telephony, television, local nets and Internet);
• external equipment of apartments (set of satellite TV, surveillance and protection systems, fire safety, air conditioning).
External equipment:
• satellite TV;
• surveillance and protection systems;
• fire safety systems;
• air conditioning systems, etc.
Additional constructions/facilities:
• washing house/sauna;
• garage;
• household outbuilding.
Landscaping components:
• garden paths;
• patio, water reservoirs;
• exterior lighting;
• hardscape forms.
Valuables:
• articles made of precious metals and/or precious, semiprecious and ornamental stones (gemstones);
• antiques;
• works of art;
• valuable hunting rifles, as well as other permitted weapons.
Household goods:
• audio-, photo- and video technique, computers and computation equipment;
• household utilities;
• plain furniture, cushioned furniture and semi-upholstered furniture in rooms, kitchens, passage corridors and halls;
• carpets and carpeting articles;
• outer clothing, fur and leather clothes.