Home insurance
Every home and property is more than just possessions – it’s a life filled with memories that is worth protecting. Homeowners insurance will help you cover financial losses from unforeseen events that may impact your valuable property.
Home insurance
protects your peace of mind
Build your life at home with the confidence that home insurance will protect it. Even in the case of unfortunate events, life doesn’t have to stop — you can still enjoy the home and belongings you cherish.
We will take care of your home
Building insurance provides you an enhanced sense of security
We will protect your property
Movable property insurance helps to avoid additional worries
We will insure your home conveniently for you
Choose home insurance online, by phone, or at ERGO's customer service locations
Movable property and building insurance online
ERGO online insurance is a faster and more convenient way to protect your home and other belongings. Use our home insurance calculator to find out how much it will cost you to insure your house, apartment or buildings.
Home insurance calculator
Homeowners insurance – what can we cover?
All risks
In the event of an accident, home property insurance will protect against the following risks:
- Fire and water accidents
- Natural disasters
- Glass breakage
- Unlawful actions of third parties
- Collision with a vehicle
- Over voltage
- Internal failure of technical systems and equipment
- All risk cover
Fire
In case of fire, insurance is valid against:
- fire and its consequences
- explosion
- lightning strike
- falling of flying machines, their parts or cargo
- spontaneous combustion
Water accidents
In case of water accidents, insurance is valid against:
- water supply and sewage system malfunctions
- heating and air conditioning system failures
- fire extinguishing and irrigation system accidents
- water infiltration from adjacent rooms
- water leaks from broken aquariums
- roof, exterior wall, and foundation water penetration due to rain or engineering issues
- system malfunctions or melting snow causing water damage
Natural disasters
In case of natural disasters, insurance is valid against:
- storm
- hail
- unforeseen flooding
- snow pressure
- torrential rain
- ground subsidence or slippage
- earthquake
Glass breakage
In case of glass breakage, insurance is valid against breakage or breakage of glazing in the insured property, including damage to other insured property caused by breakage of glass.
Unlawful actions of third parties
insurance is valid against:
- theft of property
- vandalism
- robbery
- damage to the insured building or its parts
Collision with a vehicle
In case of collision with a vehicle, insurance is valid against damage to or destruction of the insured property as a result of a collision with a vehicle.
Overvoltage
In case of over voltage, insurance is valid against damage, destruction or loss of the insured property due to sudden and unexpected fluctuations in the voltage of the power supply or due to the effects of increased electrical voltage.
Internal failure of technical systems and equipment
insurance is valid against:
- household appliance failure
- failure of the building's heating and ventilation
- faults in electrical, alarm, CCTV and other equipment and installations up to 10 years old
All risk cover
In case of other risks, insurance is valid against other sudden and unexpected events, except for the non-insurable events provided.
Homeowners insurance – what can we cover?
In the event of an accident, home property insurance will protect against the following risks:
- Fire and water accidents
- Natural disasters
- Glass breakage
- Unlawful actions of third parties
- Collision with a vehicle
- Over voltage
- Internal failure of technical systems and equipment
- All risk cover
In case of fire, insurance is valid against:
- fire and its consequences
- explosion
- lightning strike
- falling of flying machines, their parts or cargo
- spontaneous combustion
In case of water accidents, insurance is valid against:
- water supply and sewage system malfunctions
- heating and air conditioning system failures
- fire extinguishing and irrigation system accidents
- water infiltration from adjacent rooms
- water leaks from broken aquariums
- roof, exterior wall, and foundation water penetration due to rain or engineering issues
- system malfunctions or melting snow causing water damage
In case of natural disasters, insurance is valid against:
- storm
- hail
- unforeseen flooding
- snow pressure
- torrential rain
- ground subsidence or slippage
- earthquake
In case of glass breakage, insurance is valid against breakage or breakage of glazing in the insured property, including damage to other insured property caused by breakage of glass.
insurance is valid against:
- theft of property
- vandalism
- robbery
- damage to the insured building or its parts
In case of collision with a vehicle, insurance is valid against damage to or destruction of the insured property as a result of a collision with a vehicle.
In case of over voltage, insurance is valid against damage, destruction or loss of the insured property due to sudden and unexpected fluctuations in the voltage of the power supply or due to the effects of increased electrical voltage.
insurance is valid against:
- household appliance failure
- failure of the building's heating and ventilation
- faults in electrical, alarm, CCTV and other equipment and installations up to 10 years old
In case of other risks, insurance is valid against other sudden and unexpected events, except for the non-insurable events provided.
What can we cover additionally?
Protection of movable property outside the place
is valid against:
- selected insured events in Lithuania, Latvia and Estonia, while living at a different address from the insured property for a maximum of 2 months
- fire and deliberate acts of third parties in a hospital, sanatorium, sports club, educational institution, workplace in Lithuania
- fire, deliberate acts of third parties and storm in property area
- fire and intentional acts of third parties in the trunk and/or glove compartment of a car and from damage and destruction in an accident in geographical Europe
- robbery in geographical Europe
- fire and wilful acts of third parties during holidays and business trips in geographical Europe for a maximum of 21 days
Valuables insurance
Valuables insurance covers cash, jewellery and articles of precious metal, works of art, leather and fur articles, musical instruments and other valuable belongings.
Bicycle insurance
Insurance cover for bicycles, pushchairs and wheelchairs is valid against:
- theft at the policyholder’s permanent place of residence (building, inventoried warehouse (basement) of a multi-apartment dwelling house, outbuildings or other accessory buildings on the territory of the insured land plot) in the territory of the Republic of Lithuania
- theft, robbery or damage to the bicycle during transport by car, bus or train, using special holders with a security lock designed for transporting bicycles
Extended warranty insurance
Extended warranty insurance is valid against damage to the property due to events covered by the manufacturer's warranty, for which the manufacturer is liable for damages. Valid after the expiry of the manufacturer's warranty until the item is 5 years old.
Memorial insurance
Memorial insurance covers graveyards of policyholder’s family members in Lithuania.
Student belongings insurance
Student belongings insurance covers belongings of the policyholder’s family members in Lithuania during their studies.
Home insurance in auxiliaries buildings
Home insurance in auxiliaries buildings covers assets in auxiliary and farm buildings, common use premises and in the inventoried garages and storerooms of multi-apartment buildings located on the territory of the building plot.
Insurance for smart devices
Insurance for smart devices is valid against damage and smashing of mobile phones, smart watches and tablets.
What can we cover additionally?
is valid against:
- selected insured events in Lithuania, Latvia and Estonia, while living at a different address from the insured property for a maximum of 2 months
- fire and deliberate acts of third parties in a hospital, sanatorium, sports club, educational institution, workplace in Lithuania
- fire, deliberate acts of third parties and storm in property area
- fire and intentional acts of third parties in the trunk and/or glove compartment of a car and from damage and destruction in an accident in geographical Europe
- robbery in geographical Europe
- fire and wilful acts of third parties during holidays and business trips in geographical Europe for a maximum of 21 days
Valuables insurance covers cash, jewellery and articles of precious metal, works of art, leather and fur articles, musical instruments and other valuable belongings.
Insurance cover for bicycles, pushchairs and wheelchairs is valid against:
- theft at the policyholder’s permanent place of residence (building, inventoried warehouse (basement) of a multi-apartment dwelling house, outbuildings or other accessory buildings on the territory of the insured land plot) in the territory of the Republic of Lithuania
- theft, robbery or damage to the bicycle during transport by car, bus or train, using special holders with a security lock designed for transporting bicycles
Extended warranty insurance is valid against damage to the property due to events covered by the manufacturer's warranty, for which the manufacturer is liable for damages. Valid after the expiry of the manufacturer's warranty until the item is 5 years old.
Memorial insurance covers graveyards of policyholder’s family members in Lithuania.
Student belongings insurance covers belongings of the policyholder’s family members in Lithuania during their studies.
Home insurance in auxiliaries buildings covers assets in auxiliary and farm buildings, common use premises and in the inventoried garages and storerooms of multi-apartment buildings located on the territory of the building plot.
Insurance for smart devices is valid against damage and smashing of mobile phones, smart watches and tablets.
Home assistance
If case of unpleasant event in your insured home - a burst pipe or a slammed door - we will be ready to help and respond quickly. We will call a technician who will come to your home at any time of the day or week and fix the problem.
Why to choose ERGO insurance?
With buildings insured at replacement value, we will always pay the damage at the new replacement value, even if the property is used
Household items up to 10 years old in accessory buildings are insured at new replacement value
In case of internal faults, we will provide coverage for the loss of all building equipment and household property up to 10 years old. The benefit limit per year is 20 000 €
We will always compensate glass breakage losses with new replacement and residual value if the property is broken by the policyholder, family members, third parties or even pets
We will insure your home property located within a fenced and permanently occupied building plot area. The benefit limit for one event is 4 000 €, the number of events is unlimited
We will provide home property protection during vacations, business trips, in case of a car accident in geographic Europe. The benefit limit for one event is 4 000 €, the number of events is unlimited
We will protect your home's property stored on balconies
We will quickly and professionally register the damage and provide urgent assistance
Related products
Personal liability insurance
Accident insurance
Frequently asked questions about home insurance
Property insurance typically consists of two main types of coverage: buildings insurance and contents insurance. These can be purchased together as a comprehensive policy or separately to suit your needs. Building insurance covers the physical structure of your property, including apartments, residential houses, cottages, garden houses, auxiliary yards, and farm buildings. Contents insurance protects your belongings inside the property. This includes furniture, household appliances, leisure equipment, clothing, toys, and other valuable movable property that you use in your daily life.
We cannot give an exact answer, because the price of apartment insurance depends on the selected insured events, insurance amounts and deductions. We suggest using the home insurance calculator to find out the exact price of apartment insurance.
We cannot give an exact answer, because the price of house insurance depends on the size, construction and age of the house, selected insured events, insurance amounts and deductions. We suggest you use the real estate insurance calculator and find out the exact price of house insurance.
Property insurance is valid at the address specified in the insurance contract for your current home, including inside the building or premises and within the fenced yard area. If you opt to extend the insurance coverage, your home property will also be covered while taken with you to locations such as your car, workplace, sports club, or other places during vacations and business trips throughout geographic Europe.
During vacations or business trips, your insurance coverage for items you take with you will be valid in geographical Europe. Please note that the vacation or trip should not exceed 21 days in duration. Throughout these periods, property insurance provides coverage against intentional acts of third parties and fire-related insured events.
Yes, flood insurance covers such losses. It is important that both the building and the household property within it are insured and that a water covered event is chosen.
It depends on whether the property is insured for replacement value or residual value. Typically, home property is insured at its replacement value. In the event of a covered loss, we cover the costs of repairing the damaged item. If the item is beyond repair or destroyed, stolen, we provide compensation equivalent to the amount required to purchase a similar new item with the same specifications. When the building is insured for replacement value, we cover the cost of repairing the building and, in the case of major losses, the cost of rebuilding a new building. If the building is insured for residual value, we deduct a percentage of depreciation from the estimated costs to repair or rebuild the building, as specified in the insurance rules.
Household appliances insurance - it’s a part of home property insurance that is insured together with movable property insurance. This can be a washing machine, dryer, dishwasher, refrigerator and other household appliances.
Valid, it is important to choose Bicycle, pushchair and wheelchair insurance outside the insurance area when concluding the contract. Bicycles will be covered by insurance against theft from anywhere in geographical Europe if they have been temporarily (for a maximum of 8 hours) left locked or chained to stationary objects.
Cases in which Homeowners insurance is not valid are listed in the ERGO Homeowners Insurance terms and conditions at www.ergo.lt.
We provide insurance coverage for solar power plants installed on residential houses or farm buildings, used for personal needs, along with the building on which they are installed. These devices are protected against fire, water damage, natural disasters, vandalism, and vehicle collisions. For further details, please consult with our consultants.
Yes, you can insure the homestead. Please discuss the conditions with an ERGO consultant or tel. 1887.
You can conclude insurance contracts for one year.
Home insurance terms and conditions
Expired
ERGO gyventojų turto draudimo taisyklės Nr. 056SP.pdf
Valid for contracts issued until 2023-04-21
ERGO gyventojų turto draudimo taisyklės Nr. 056SP.pdf
Valid for contracts issued until 2022-07-25
Gyventojų turto draudimo taisyklės.pdf
Valid for contracts issued until 2022-07-15
Gyventojų turto draudimo taisyklės.pdf
Valid for contracts issued until 2020-04-06
Gyventojų turto draudimo taisyklės.pdf
Valid for contracts issued until 2018-06-11
Gyventojų turto draudimo taisyklės.pdf
Valid for contracts issued until 2014-11-30
Gyventojų turto draudimo taisyklės.pdf
Valid for contracts issued until 2013-05-31
Gyventojų turto draudimo taisyklės.pdf
Valid for contracts issued until 2010-05-24
