We will insure your home (immovable property) and stationary facilities located therein:
- House, apartment, other buildings or premises for dwelling, keeping animals or belongings;
- Stationary facilities of heating, water supply and sewerage belonging to the building;
- Electric installation and its facilities;
- Stationary facilities of ventilation and air conditioning;
- Stationary security alarm facilities;
- Plumbing facilities installed in the housing (e.g. basins, toilets, faucets).
Together with the insured dwelling place (apartment or house), we will insure without any additional agreements or fees the engineering facilities, TV antennas mounted on the external structures of the building, heat pumps of air conditioners, sun collectors and security alarm facilities in the place of insurance.
If you are going to insure your apartment, we will automatically insure your share of common-use premises of the apartment house and the storeroom located in the basement and belonging to the apartment as well as the garage.
If you are going to insure your house, insurance coverage packages "If super namai" or "If namai" will automatically include the coverage for small (up to 4 m2) buildings within the land plot (e.g. storage shed, awning, greenhouse) and yard structures (e.g., fencing with gates including the opening and locking devices, outdoors lights, children’s or sports playground).
We will insure your movable property:
- Standing, suspended and inbuilt furniture, curtain rods, lighting fixtures, aquariums;
- Household appliances and electronic devices;
- Clothing, footwear, sports and leisure inventory;
- Valuables (indemnity for cash is up to LTL 5000, if you choose the insurance coverage package "If super namai");
- Bicycles, wheelchairs, garden tractors and other devices of landscape design;
- Water bicycles, canoes, sailboards, inflatable boats etc.
Packages "If super namai" or "If namai" will also include insurance coverage for the property entrusted to you (e.g., notebook entrusted to you by your employer, mobile telephone) and the belongings of your guests.
Moreover, if you choose insurance coverage according to "If super namai" or "If namai", besides the household property at the place of residence we will also insure the household property in the yard of your own house or auxiliary structure (e.g., outbuilding, bathhouse, garage), storeroom, garage or balcony (terrace) belonging to an apartment in an apartment house. Your belongings taken together when going to work, on vacation etc will be also insured.
For movable and immovable property we offer insurance coverage packages for different needs, starting with the basic "If mini home" to "If super home", providing particularly broad insurance coverage.
| |
If super namai |
If namai |
If mini namai |
| Fire, water, theft, burglary, vandalism, natural forces |
Yes |
Yes |
Yes |
| Falling of a tree, glass breakage, impact of vehicles |
Yes |
Yes |
No |
| Voltage fluctuations |
Yes |
Yes |
No |
Extension of household and electronic appliances’ warrantee: internal failures of items up to 7 years old, regardless of failures being caused by internal or external factors.
E.g. a heating boiler (valid if housing was insured), refrigerator, TV set broke down (valid if home property was insured). |
Yes |
No |
No |
| Earthquake |
Yes |
No |
No |
| Other sudden and unexpected events, except the non-insured events stipulated in insurance regulations |
Yes |
No |
No |
