Home and property
insurance

Why is it worthwhile to insure one’s home and contents with "If"?

• Extension of warrantee for household and electronic appliances as well as other equipment – insurance against internal failures of the property (up to 7 years old) regardless of them having been caused by external or internal factors. We indemnify the repair or new property acquisition costs if, for instance, a heating boiler (valid if home was insured), refrigerator or TV set broke down (valid if home property was insured).
• New for an old – we disburse the insurance indemnity for old home property (e.g., refrigerator or TV set) at new replacement value (without taking the depreciation into account, and we disburse the amount needed to buy the same or similar item today).
• Depreciation is not deducted from the indemnity, even if you decide not to repair - we disburse the insurance indemnity at new replacement value, even if you decide not to repair/reconstruct the damaged property.
• Insurance against all risks – all sudden and unexpected events are treated as insured (even such events as a vase with water fallen on a notebook or a can of paint spilled on an expensive carpet).
• All risk insurance for home property taken together – as you leave your home, all home property taken together (e.g., as you go to/from work, on vacation, relocate to a new housing) is covered against robbery as well as all other risks (e.g., personal belongings damaged in a car accident, a camera that slipped from your hands into the water), except the non-insured events specified in the insurance regulations.
• Insurance of home property in the entire European Union – insurance coverage for home property taken together is valid in all European Union countries.
• Insurance of building windows and outside doors against glass breakage without a deductible – loss for such damages is indemnified at new replacement value without deducting the franchise.
• Outside door lock replacement costs without a deductible – if keys are lost or lock damaged during an insured event, we indemnify up to LTL 500 of lock replacement costs at new replacement value without deducting the franchise.
• Insurance of home property within an unfenced plot – we indemnify losses due to theft even from unfenced territory of the main building land plot (deductible of LTL 2000 applied).
• Insurance against glass breakage without any limitations – we indemnify the loss for glasses of greenhouses, sun collectors, TV sets, monitors of computers and any other items, dishes, eyeglasses or other optical glasses.
• Insurance of home property left in a car – we indemnify the loss due to the theft of home property (except valuables) left in a locked car. Indemnities and insurance territory depend on the selected insurance package.
• Insurance of bicycles, baby carriages and children toys – we indemnify the loss due to the theft of bicycles, baby carriages, children toys or wheelchairs, temporary left locked in or chained. Indemnities and insurance territory depend on the selected insurance package.
• Automatic insurance of apartment storeroom and garage – when insuring an apartment, an inventoried storeroom and/or garage located in the same building as the apartment shall be insured as well (when the total area of those does not exceed 20 sq. m).
• Automatic insurance of common use premises – when insuring an apartment, common use premises and facilities of the building owned by the owner of an apartment in an apartment building by common partial property right shall be also insured (e.g., we will indemnify your share of expenses for the repairs of staircase following a water supply pipe failure).
• Automatic insurance of small buildings and yard structures – when insuring a dwelling house, small buildings (up to 4 sq. m) and yard structures (e.g., fences, fence gates with automatic opening mechanisms and other locks) shall be also insured.