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.
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. You can ask for legal advice, for example, on tenancy and neighbour disputes, as well as an apartment association dispute. Legal advice is provided only over the phone and based on the oral information given by the home insurance policyholder.
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.
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.
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.
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.
Free legal advice on home-related matters. You can ask for legal advice, for example, on tenancy and neighbour disputes, as well as an apartment association dispute. Legal advice is provided only over the phone and based on the oral information given by the home insurance policyholder.
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.
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 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. You can ask for legal advice, for example, on tenancy and neighbour disputes, as well as an Apartment association dispute. You can call a lawyer on weekdays from 9.00 – 17.00 and there is no limit to the number of times you may call. Legal advice is provided only over the phone and based on the oral information given by the home insurance policyholder.
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.
Damages caused by an explosion and direct lightning strike are also covered.
Damages caused by natural forces such as storm or hail are covered.
Damages caused by precipitation or the flooding of a water body are covered.
Damages caused by theft, robbery, or vandalism are covered.
Damages from water pipe leaks, household appliance connection breakage, sewage pipe leaks, and heating or cooling system leaks are covered.
If the home has become temporarily or permanently uninhabitable as a result of an accident, we will reimburse the rental costs of temporary housing.
Free legal advice on home-related matters. You can ask for legal advice, for example, on tenancy and neighbour disputes, as well as an Apartment association dispute. You can call a lawyer on weekdays from 9.00 – 17.00 and there is no limit to the number of times you may call. Legal advice is provided only over the phone and based on the oral information given by the home insurance policyholder.
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.
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.
Good to know / FAQ
Home insurance usually consists of building insurance and household property insurance. They can be purchased together as a single policy or separately, according to your needs. Building insurance covers the restoration of the immovable property specified in the policy (incl. apartment, residential building, cottage, outbuilding). Household property insurance protects the items inside the building. This includes furniture, household appliances, leisure equipment, clothes, toys, mobile phones and other movable property that you use in your daily life.
In addition, it is possible to insure the liability of your pet (dog and cat) and a private person liability.
Home insurance is valid at the address indicated in the policy. When insuring a private house, the household property is also insured in the outbuildings. Depending on the chosen insurance package, items can also be insured in the yard of a private house and outside the home throughout the territory of the European Union.
When insuring an apartment, a storage room or basement box located in the same building and in your sole use, is also insured together with the apartment. If you have also insured your household property, the insurance coverage also extends to the items in the storage room or basement box.
Yes, such damage will be compensated. It is important that both the apartment and the household property are insured and that the protection against a water accident is chosen.
When living on rented premises, it is good to know that an apartment or residential building is usually insured by the owner of the immovable. However, you can insure your belongings – clothes, household appliances, leisure equipment and other movable property that you use in your daily life.
Additionally, it is possible to insure the liability of your pet (dog and cat) and a private person.
Mobile phones, tablets, and other smart devices are insured as household property. The insurance coverage depends on the chosen insurance package.
The building and apartment are insured at their replacement value. In the event of damage, we will indemnify the cost of restoring the building. If the household property is damaged, we will cover the cost of repairing the damaged item. If an item cannot be repaired or it has been destroyed or stolen, we offer compensation for the purchase price of an equivalent new item. Exceptions apply to mobile phones, tablets, smart devices, TVs, laptops and desktop computers. Please read the terms and conditions of insurance.
We deduct the excess from the compensation.
Do everything you can to prevent the damage from escalating. If necessary, inform the rescue service or the police. If you need help, for example, in stopping a pipe leak or opening a door lock, please contact ERGO Home Assistance (phone +372-655-5401). You can use the Home Assistance service only if it is selected in the insurance package.
