Property insurance from Uniqa

Property insurance is created to guarantee financial means to restore the home after disasters such as fire, earthquake and flood. Insurance companies cover reimbursement costs of damages at replacement value (repair costs and refund) and not at the market price of the property. Therefore it is not necessary for the insurance amount chosen by you to corresponds to the market price of the property.

Property Insurance is designed to ensure financial means to rebuild a home after disasters such as fire, earthquake and flood.

The insurance covers

Fire

Flood

Earthquake

Robbery, burglary, malicious acts of third parties, vandalism

Storm, torrential rain, hailstorm, insury caused by the natural accumulaion of snow or ice

Breakdown of water pipelines, sewerage and steam lines

Impact by a road vehicle

Protaction of movable property

Expenses insured for identifying the reasons and eliminating the damages on the installations in the event of breakdown of water pipelines, sewerage and steam lines
- up to 500 BGN

Glass breakage
- up to 10% og the sum insured of the building

General civil liability
- up to 5 000 BGN

Short circuit / Electric shock
- up to 5 000 BGN

THE INSURANCE DOES NOT COVER

Events occurred before the beginning of the period of insurance

Malicious acts of the insured

Damages due to normal wear and tear, inherent flaws, corrosion

Losses related to devaluation, lost profits

Waste of parts or manufacturing defects

Error in design, poor repair, violated construction and technical standarts and requirements

Groundwater

Hostilities or military actions, civil war, a military coup, any act of terrorism; Riots, civil unrest, strikes

Confiscation, requisition, nationalization

Atomic and nuclear exploisions, impacts of radioactive products, ionizing radiation

No coverage is provided for buildings subject to demolition; Buildings in construction or in the process of reconstruction; Vans, prefabricated houses, greenhouses; Motor vehicles; Official Papers /Documents

Useful information

Property insurance is designed to provide financial means to rebuild a home after disasters such as fire, earthquake and flood.

Insurance companies cover damage recovery costs at replacement value (repair and restoration costs) rather than at market price of the property. Therefore, the sum insured you choose does not need to match the market value of the property.

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