Home insurance

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.

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.