Home insurance
Our home is our castle – it is a place where we feel safe and share moments with our loved ones. With home insurance, you do not have to worry about unforeseen events that may happen at home – the insurance covers unexpected damages.
Call for Home Assistance: +372 655 5401
House, cottage or apartment insurance
Why is it necessary?
If something unexpected happens – a natural disaster, fire or other unexpected event – it is very difficult to bear such losses without insurance. The role of insurance is to help you cope better with financial losses in such unforeseen situations, so that you can return to normal life in the shortest possible time.
Property insurance
Insure your apartment, row house, house, outbuilding or cottage. At ERGO, you can choose the right package and coverages for you.
Household property insurance
In addition to insuring buildings, we also cover the furnishings that make your house feel like home: furniture, electronics and other personal items.
Third party liability insurance
Personal liability insurance protects you in case you cause damage to others or their property. For example, if a water leak from your apartment ruins the apartment of a neighbour downstairs.
Pet insurance
Give your furry friend the best care in the event of a sudden illness or accident, without worrying about unexpected expenses.
See how your personalized home insurance price is determined!
When to choose Maksi package?
If you want complete peace of mind and don't want to worry about anything, the Maksi package is your best choice. By providing protection against various risks, it ensures maximum protection for your home.
All-risk insurance
It includes the following covers:
- Fire. Damages caused by an explosion and direct lightning strike are also covered.
- Water accident. Damages from water pipe leaks, household appliance connection breakage, sewage pipe leaks, and heating or cooling system leaks are covered.
- Damage caused by natural forces such as storm, hail and flood.
- Theft and vandalism.
- Additionally, other cases that are not excluded by Terms and Conditions.
Temporary housing rental costs
We will indemnify the rental cost of temporary housing if, as a result of an accident, the place of residence has become temporarily or permanently uninhabitable.
Protection against water ingress
We will indemnify damage to interior finishing or household property caused by the first flooding incident up to EUR 3,000, provided the building has not been flooded in the last five (5) years.
Legal advice
Free legal advice on home-related matters. For legal advice, call a lawyer on +372 660 4900, who will answer your questions and give advice on working days from 9 am to 5 pm.
You can ask legal advice on the following topics:
- Disputes over rent (e.g. the tenant refuses to move out, the tenant refuses to compensate damage incurred, etc.).
- Disputes over insurance (e.g. the decision to compensate under the home insurance seems to be unfair, the insurance company of your neighbour offers you too low insurance compensation for the damage caused by the neighbour, etc.).
- Disputes with neighbours (e.g. your neighbour, also the next door neighbour, refuses to compensate for the damage, your neighbour violates your privacy, etc.).
- Disputes in the apartment association (e.g. how decisions in the general meeting should be taken, use of the jointly used area, etc.).
- Disputes over defective products (e.g. an appliance bought to the apartment broke down one month after the purchase and the seller refuses to repair it under the warranty, the furniture purchased is of poor quality, etc.).
- Dispute with any service provider (e.g. repair works of the apartment were of poor quality, electricity blackout broke your home appliances, etc.).
NB! In the context of home insurance, the lawyers will not give advice on labour law, family law, commercial law and any other topics not related to the insured home. If you need advice on the above topics, please send your application here and consider purchasing legal protection insurance.
The number of the calls to the lawyer is not limited. Legal advice is only given by phone and on the basis of oral information given by the home insurance policyholder. No written documents will be reviewed, also no written documents or answers will be provided in any form.
ERGO Home Assistance
The Home Assistance service helps with everyday problems. Whether it’s a leaky pipe or lost keys, with the Home Assistance service, a plumber or technician is just a phone call away, 24 hours a day. For assistance, call +372-655-5401.
Third party liability insurance
Additional coverage for a fee, to insure damage accidentally caused to third parties. We offer both real estate possessor’s liability insurance and private person’s extended liability insurance.
- The real estate possessor’s liability covers cases where damage to third parties is inadvertently caused by the possession of the real estate. For example, a water pipe may burst and flood your neighbours property or a fire in the apartment may cause damage from soot or extinguishing water to other neighbours or the Apartment association.
- Extended personal liability insurance covers situations where a client or a member of his/her family accidentally causes damage to a third party. For example, a child rides a bike and scratches a car parked by the street or accidentally pulls something off a shelf in a store.
When to choose Maksi package?
If you want complete peace of mind and don't want to worry about anything, the Maksi package is your best choice. By providing protection against various risks, it ensures maximum protection for your home.
When to choose Midi home insurance?
If you want to choose which risks to insure your home against, the Midi package is ideal for you. It allows you to tailor the insurance coverage to your needs and preferences.
Fire
Damages caused by an explosion and direct lightning strike are also covered.
Storm
Damages caused by natural forces such as storm or hail are covered.
Flooding
Damages caused by precipitation or the flooding of a water body are covered.
Vandalism, burglary
Damages caused by theft, robbery, or vandalism are covered.
Water accident
Damages from water pipe leaks, household appliance connection breakage, sewage pipe leaks, and heating or cooling system leaks are covered.
Temporary housing rental costs
If the home has become temporarily or permanently uninhabitable as a result of an accident, we will reimburse the rental costs of temporary housing.
Legal advice
Free legal advice on home-related matters. For legal advice, call a lawyer on +372 660 4900, who will answer your questions and give advice on working days from 9 am to 5 pm.
You can ask legal advice on the following topics:
- Disputes over rent (e.g. the tenant refuses to move out, the tenant refuses to compensate damage incurred, etc.).
- Disputes over insurance (e.g. the decision to compensate under the home insurance seems to be unfair, the insurance company of your neighbour offers you too low insurance compensation for the damage caused by the neighbour, etc.).
- Disputes with neighbours (e.g. your neighbour, also the next door neighbour, refuses to compensate for the damage, your neighbour violates your privacy, etc.).
- Disputes in the apartment association (e.g. how decisions in the general meeting should be taken, use of the jointly used area, etc.).
- Disputes over defective products (e.g. an appliance bought to the apartment broke down one month after the purchase and the seller refuses to repair it under the warranty, the furniture purchased is of poor quality, etc.).
- Dispute with any service provider (e.g. repair works of the apartment were of poor quality, electricity blackout broke your home appliances, etc.).
NB! In the context of home insurance, the lawyers will not give advice on labour law, family law, commercial law and any other topics not related to the insured home. If you need advice on the above topics, please send your application here and consider purchasing legal protection insurance.
The number of the calls to the lawyer is not limited. Legal advice is only given by phone and on the basis of oral information given by the home insurance policyholder. No written documents will be reviewed, also no written documents or answers will be provided in any form.
Third party liability insurance
Additional coverage for a fee, to insure damage accidentally caused to third parties. The real estate possessor’s liability covers cases where damage to third parties is inadvertently caused by the possession of the real estate. For example, a water pipe may burst and flood your neighbours property or a fire in the apartment may cause damage from soot or extinguishing water to other neighbours or the Apartment association.
When to choose Midi home insurance?
If you want to choose which risks to insure your home against, the Midi package is ideal for you. It allows you to tailor the insurance coverage to your needs and preferences.
Why choose ERGO for your home insurance?
ERGO 24/7 Home Assistance
Cover against moving and rental costs of temporary housing
Legal advice on home-related matters
We will compensate for damage to interior finishing and/or household property caused by a rainwater leak, up to EUR 3,000, provided that the building has not been flooded in the last five (5) years.
What is the home insurance deductible?
The home insurance deductible is the amount you have to pay yourself in the event of damage. For example, if there is water damage at home resulting in repair costs of EUR 1,000 and the deductible chosen in the contract is EUR 200, we will compensate EUR 800 of repair costs
Did you know that if you have at least three different types of property insurance contracts at ERGO (traffic insurance, motor hull insurance, home insurance, accident insurance, multi-trip travel insurance and legal assistance insurance), your deductible is EUR 100 lower in case of a home insurance loss event.
Tenant insurance
As a tenant, you can insure your personal belongings, such as sports equipment, computer, phone, with household property insurance. Liability insurance covers you in situations where you unintentionally cause damage to third parties. For example, if water filling the bathtub is accidentally left running and damages the apartments located below.
