Residence

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The optional policy insures buildings intended for residential use together with movable and immovable property that are located within the declared perimeter of the risk location and in which the Insured, a natural person or legal entity, as: owner, tenant, administrator, custodian or other legally established capacity, must have a patrimonial interest, namely:

Buildings and other constructions intended for residential use: apartments in blocks of flats, apartments in villas, houses, villas, cottages or other constructions intended for permanent or temporary residence (holiday homes).

The independent building intended for residential use is insured in its constructive integrity, namely with: foundation, base, walls, floors, roof, floors, windows, doors, stairs, bridges, elevator shaft.

Annexes and outbuildings in the Insured's household/home: warehouses, sheds, stables, garages, saunas, outdoor swimming pools, enclosures, stalls, cellars, utility rooms, etc., can usually be insured only together with the residential building, with the Insurer's consent and their express mention in the policy and/or the specification in the insurance policy, as well as the insured amount corresponding to each.

The electrical, hydraulic, thermal, sanitary installations and equipment that equip and serve the buildings and constructions, and which are located within the insured perimeter, are considered to be a component part of the building/construction. This category includes: interior electrical installations (excluding chandeliers, lamps, lampshades, sconces, lampholders; sanitary water supply installations inside the building (excluding the water pump and boiler); sewage installations inside the building (including water pipes, drain pipes); sanitary objects inside the building (faucets, buried or built-in bathtubs, sinks, toilets, etc.); central heating installations (excluding the equipment of the heating plant - this is usually insured as part of a supplement to the policy); gas installations; ventilation installations (excluding electric fans and air conditioners); cladding materials fixed to the ceiling, walls, floor, false ceilings; terracotta or brick stoves.

  • Fixed installations that ensure the general functionality of the building are considered to be insured only if their value is included in the insured amount and if they have been expressly mentioned in the policy or in the insurance specification. This category includes: central heating system, centralized or local air conditioning system, elevator, radio/TV/Satellite antenna, boiler, pump station - hydrophore, etc.).

Goods in the insured's home are understood to be those goods located in a building/apartment, in annexes, as well as in the constructions in the yard and on the land surrounding the building.

As a rule, the following goods are included in the insurance: furniture, carpets and rugs, interior decorations, household items, household appliances, electronic equipment, photo and audio-video equipment, musical instruments, clothing, footwear, underwear, furs, household tools.

ATTENTION! Some insurers insure goods considered more expensive or luxurious only if they are nominated in an annex to the policy. The value ceiling from which nomination is mandatory is specific to each insurer.

GENERAL TAX PROVISIONS

According to the tax legislation in force, insurance premiums are not subject to VAT.

Any insurance indemnity related to the insurance contract and additional clauses is not subject to income tax. These tax details are valid subject to changes in tax legislation (Fiscal Code and any regulatory act adopted in its application).

Covered Risks

FLEXA – Fire, Lightning, Explosion, Fall of aircraft on the home, parts thereof or transported objects or impact with them, except for explosive devices;

Earthquake: earthquake – strong and sudden telluric movement, of tectonic, volcanic origin, etc., including the indirect effects caused by it, only for the insured risks (fire/explosion caused as a result of an earthquake);

Flood from natural causes:

overflow of a watercourse, lake or sea or from the formation or overflow of torrents;

accumulation of water from atmospheric precipitation or melting snow in low-lying areas, lacking drainage possibilities or with reduced possibilities for water evacuation;

groundwater that comes out to the surface of the earth and/or the floor of the lowest room in the insured building;

rainwater or melted snow that penetrates directly from the surface of the land into the building, covering parts of the building with a layer of water.

Landslide: smooth movement of the land as a result of a tectonic movement or erosion due to natural causes.

Natural catastrophes and disasters must be certified by specialized institutions, authorized to ascertain their occurrence (National Institute of Seismology, meteorological stations, other authorized state institutions, etc.) or government communiqués.

Accidental fall of bodies (rocks, trees, poles or any similar objects that are not part of the insured property and whose movement is due to the effects of gravity, etc.).

Accidental and unintentional impact from the outside of the insured home and the fence that surrounds it, by road vehicles, other than those belonging to the Insured, family members or their employees.

Sonic boom: the direct action of the pressure generated by an aircraft breaking the sonic barrier.

Atmospheric phenomena: storm, hail, torrential rain, hurricane, windstorm, tornado. Indirect effects caused by water penetration through cracks and breaks caused to the roof, walls, doors and windows by the violent manifestation of atmospheric phenomena are also compensated.

Weight of snow, ice or avalanche

Accidental damage to water installations

Theft: theft by burglary of insured goods; theft by acts of robbery of insured goods, theft by use of original keys.

Vandalism.

Excluderi

Damage caused as a result of:

– war (even undeclared), invasion or action of an external enemy, civil war, revolt, revolution, rebellion, insurrection, military dictatorship, conspiracy, strikes, civil disturbances, terrorism;

– confiscation, expropriation, nationalization, requisition, seizure, destruction or damage by order of any government, de facto or de jure, or any public authority;

– atomic explosion, radiation or radioactive infestation as a result of the use of atomic energy or fissile materials;

– pollution and/or contamination of any nature and from any cause;

or damage:

– caused by an earthquake to frescoes, wall decorations, courtyards, stairs and other external structures;

– caused to appliances and installations which are the consequences of a fire or explosion due to wear and tear or poor maintenance;

– damages caused by lightning to electrical appliances and installations, except in the case where the lightning was followed by fire;

– damages caused to the installations themselves and the costs related to their repair;

– due to wear, rust, corrosion or poor maintenance of pipes or installations;

– damages caused during technical tests or damages caused as a result of repair work on the defective installation or on buildings as a result of interventions on the defective installation;

– damages caused during construction or repair work on buildings;

– caused by the penetration of rainwater, hail or snow (including water from melting snow) through unclosed windows, cracks in roofs, terraces, walls, bridges or other openings, unless these openings are caused by the insured risks;

– caused by freezing of water in pipes, tanks, vessels, etc., as a result of the negligence of the Insured or his family members;

– caused by underground works, tunnels, stone, gravel, sand and clay extraction quarries;

– caused by vibrations/tremors due to traffic (road, railway),

– caused by landslides caused by human actions;

– caused by devices and installations that are the consequences of a fire or explosion due to wear, malfunction, material defects or poor maintenance.

The insurer does not provide compensation for:

– damage caused by the artificial change of a watercourse, by spills from reservoirs or other hydrotechnical works, by the increase in water levels and the overflow of rivers and lakes, which are known to occur regularly (annually), by groundwater that penetrates or infiltrates inside the dwelling, causing dampness of floors, dampness of walls, etc.;

– damage caused by the settlement, cracking, contraction, bulging or swelling of foundations, walls, floors, ceilings or roofs, except in cases where such phenomena are directly caused by an insured risk;

– damage caused to electrical installations and equipment (including connection cables) only by the action of the electric current itself, overvoltage or overheating, if they were not followed by fire;

– damage caused by vehicles moving within the perimeter of the insured premises;

– breakage of windows as a result of an uninsured risk;

– wear, oxidation, smoking, erosion, corrosion, rusting, staining or gradual deterioration of the insured goods;

– damage caused by graffiti;

– damage caused by animals, insects, rodents, birds and other pests;

– damage caused by microorganisms, fungi;

– degradation of surfaces as a result of exposure to a normal heat source, including goods subjected to fire or heat for processing;

– ignition or use by the Insured or his/her agents of open fire in spaces where combustible, flammable or easily flammable products are stored or used or in the vicinity of buildings constructed of combustible materials;

– damage caused by fire caused by uncleaned or defective chimneys or around which flammable materials are stored;

– damage caused by fire caused by improvised installations (electrical or heating);

– the action of explosive devices, ammunition, firearms, implosions;

– collapse of buildings as a result of design errors and/or construction defects, the use of construction materials with hidden defects, poor maintenance of buildings, their age or state of deterioration, unrelated to any of the insured risks;

– simple theft – where there are no signs of burglary, theft by fraud;

– damage caused to the uninsured home as a result of burglary or acts of robbery of the insured goods;

– claims for compensation resulting from moral damages, even if these are the result of a civil judgment;

– damages caused by the intentional occurrence of the insured risk, by the Insured or by members of his family (in