Fire and Other Risks Insurance

The subject of the insurance is real estate and movable property which are insured against a combination of risks.

The objects of the insurance can be apartments, offices, warehouses, houses, villas, shops, ateliers, furniture, equipment, appliances, goods, materials, equipment and others.

1. Insurance Fire and Other Risks provides protection against:

– Fire, lightning, explosion, aircraft collisions or falling parts and objects;

– Natural disasters – storm, hurricane, damage from falling branches and trees, heavy rain, etc.

– Sinking and collapsing of earth layers;

– Accidents (including the burst of plumbing, sewerage, heating and air-conditioning);

– Short circuit and impact from vehicle;

– Earthquake;

– Burglary, theft using technical means, robbery;

– Vandalism (including malicious fire and malicious explosion)

– Civil liability for damages to third parties;

– Broken glass and windows;

– Others negotiable.

2. The insurance premium for Fire and Other Risks is based on:

• Insurance amount
• Combination of covered risks
• Security of the property
• Location of the property
• Form of payment – one-time or deferred
• Existence or absence of previous damages