We will help you with damages caused by fire, explosion, lightning strikes, fall of airplane, fallen objects to the insured property, hit of a vehicle, sudden landslide or shock wave.

We will help you with damages caused by storm, hail, flooding, atmospheric rainfall, and by heaviness and pressure of snow.

We will provide you assistance in case of emergency and key splashing, sudden rodents or insects, if a household electrical appliance fails and we will provide you legal advice.

We will cover damages that you cause to someone else and that you are required to compensate by law. We will cover damages resulting from ordinary civil activities, incl. self help implementation of small construction works on an object insured by this contract, from household management, recreational sports, breeding animals, use of small vessels, ownership of the building – if the client is the owner of the insured object or we cover damages to rented building – if the client is the tenant of the object where his insured household is located. We will also cover the so called regressions of the health insurance company (costs incurred for treatment) or the sickenss insurance benefits provided.

We will cover the costs (incurred in connection with the insured event) for drying or cleaning of the insured building as well as the cost of replacement accomodation. We will cover the replacement of the lock of the entrance door, blocking payment card withdrawal, storage of items after a damage.

We will help you with damages caused by water from the water system, water leakage from the drainage pipe, by frost on the water system, by an error of the sprinkler fire extinguisher, by water loss, by aquarium water.

We will help you with damages caused by broken glass from an uninsured cause.

We will help you with damages caused by burglary, robbery, simple theft of building material, robbery outside of your home, simple theft of baby stroller or wheelchair. We will also cover the cost of intervention of the security agency.

We will help you with damages caused by vandalism, damage of the fence by wild animals, damag of the internal insulation by destructive activities of rodents or knealing beasts or damag of the facade by destructive activities of animals or insects.

We will help you in case of damage caused by overvoltage, undervoltage, short circuit, machine insurance, failure of a cooling device.

Optional for all packages.