Furniture Insurance

This type of insurance covers a large number of natural perils, including fire as the main risk, as well as some other perils at no additional insurance premium costs. The policy can include additional risks, depending on the desired scope of cover.

Basic risks included in the cover:

• fire and lightning
• explosion, excluding nuclear
• windstorm
• hailstorm
• public events and demonstrations
• aircraft fall and impact
• own vehicle impact, own powered machinery impact and unknown vehicle impact onto the insured building

Which risks can be added to the policy?

• water main breaks and sewer overflows
• flood and torrent, high water and tidal waves
• earthquake
• avalanche
• subsidence and landslide
• leakage from tanks or pipelines
• stock self-ignition

What can be insured?

• buildings and various other immovables - insurance covers all parts of the building, foundations and basement walls, all in-built installations, all in-built equipment - lift, central heating with the fuel tank, boilers, air-conditioners, etc.
• movables, furniture, devices and machines, various tools
• fences, supporting walls, roads, paths, pavements, paved patios
• stocks of goods, raw materials, semi-manufactured goods and consumables
• outdoor stocks
• underground, overground and underwater grids (water mains, sewers, telephone, gas and electric grids, etc.), apart from grids which are part of a building and grids within an industrial company area
• sports grounds, children’s playgrounds, outdoor swimming pools and ice-skating rinks
• money and securities
• exhibits at exhibitions and fairs
• aerial devices outside the building
• other insurable items as per Tariff and Terms and Conditions

This type of insurance protects you against risks such as actual or attempted burglary or robbery, including vandalism during burglary.

What can be insured?

• movables in buildings or rooms, furniture, devices, tools and machines
• money and valuables, securities, collections etc.
• stocks of goods, raw materials, semi-manufactured goods and consumables
• outdoor stocks
• movables in museums, exhibitions and public libraries
• other insurable items as per Tariff and Terms and Conditions

This type of insurance covers damage incurred by the removal, destruction or damage to the insured items, as well as damage caused to the building elements, installations and furnishings (damage to the walls, ceilings, doors, windows, locks, etc.) of the premises where the insured items are kept at the time of the actual or attempted burglary or robbery, up to a certain limit.

When purchasing an insurance policy against burglary and robbery, a deductible can be concluded, whereby you bear a portion of the loss, which will reduce the insurance premium.