Home Insurance
ASK FOR AN OFFER
As soon as your request is received, we will analyze the risks associated with your property / activity and provide you with a choice of insurance solutions from which you can choose the most suitable. Ask for an offer now, write to us: info@inpro.ee or send an inquiry using "request quote" button.
Inpro Insurance provides each client by individual approach offering insurance solutions in accordance with the needs, requirements and possibilities of each specific client.
This is an indicative rate, which largely depends on the age of the insured person and also on the number of employees in the company. The deductible for the above indication is 0%. For more information, contact our specialists.
HOME INSURANCE AND PROPERTY INSURANCE
The basic home insurance solution, which is also required by all banks and credit institutions, is the minimum protection under home insurance, which includes the following insurance risks:
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Fire, fire due to construction error
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Direct lightning strike
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Explosion
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Storm and strong wind
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Equipment leakage (water pipes, sewerage, heating and ventilation systems)
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Vandalism
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Burglary, robbery
Total risk insurance is the maximum protection under home insurance in case of an unexpected and unforeseen loss event. The terms and conditions of total risk insurance include only exclusions (losses that are not indemnified): losses due to wear, corrosion, mold, rodents and other pests, subsidence, design errors, in other words, all losses that can be foreseen and prevented. Extended home insurance total risk insurance also includes:
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Damage caused by water infiltrating the building structure (roof, wall)
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Further damage caused by the movement of snow or ice
WHICH OBJECTS CAN BE INSURED
Apartment - only interior finishing (floors, ceilings, walls), load-bearing and exterior walls are not insured here. The apartment is insured for its restoration value. Along with the interior finish, the following are automatically insured: electrical system, electricity meter, built-in sanitary equipment. Interior finishes also include built-in wardrobes, wood-burning stoves and suspended ceilings.
Part of the building - in addition to the interior finishing of the apartment, it is also possible to insure the imaginary part of the house belonging to the apartment, ie the exterior finishing, part of the basement or attic, shared balcony and corridor.
When insuring a house, the interior and exterior walls, roof, veranda and stairs are covered. Along with the building, smaller outbuildings (10-20m²) are also insured. In addition, facilities such as a fence, street lighting, a playground, a greenhouse and other similar small buildings are also insured. Larger buildings must be indicated separately on the policy.
The insurance of a non-residential house and a cottage is not very different from the insurance of an ordinary building. However, the insurance risk is higher and the insurance premium is higher because it is not their permanent residence. Some insurers do not cover damages due to pipeline leaks in such houses, and the risk of burglary is covered only if the automatic burglar alarm is connected to a security company.
It is also possible to insure a building under construction when the box of the building is ready, ie there are walls, roof, windows and doors, but the choice of insurable risks is limited.
Outbuildings such as saunas, sheds and garages can also be insured, but the range of risks is limited.
HOME PROPERTY INSURANCE
In addition, we definitely recommend choosing home property insurance, which protects movable property located in a building or apartment (for example, furniture, interior elements, houseplants, household appliances, clothing, etc.).
ADDITIONAL HOME INSURANCE OPTIONS
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Temporary housing rental cost insurance - if the home has become uninhabitable as a result of the insured event, the rental costs of the temporary housing, as well as the costs necessary for moving are reimbursed.
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Loss of rental income - if the rented building or apartment becomes uninhabitable, the lost rental income will be compensated for up to 12 months.
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Liability insurance - accidents with water supply, heating and other systems can occur in both new and old houses. They can cause harm not only to the insured but also to third parties (such as lower neighbors). It is therefore sensible to add civil liability insurance to home insurance.
Apartment Association Insurance
APARTMENT ASSOCIATION PROPERTY INSURANCE
Property insurance of the apartment association covers the parts and facilities of the building managed by the apartment association, and with liability insurance you can compensate the property damage caused by the apartment association to the management of the building and the territory belonging to the building to third parties and, if desired, to the apartment association members. As a rule, only the real part of the apartment is insured with ordinary home insurance (interior decoration of the apartment, floors, ceilings and non-load-bearing partitions, and internal communications to the connection point). In contrast, the foundation of the building; load-bearing walls and ceilings; roof; elevators; balconies; common areas and communications and technical systems (heating, cooling, ventilation, water supply, sewerage and gas supply system) are insured by apartment association insurance.
APARTMENT ASSOCIATION PROPERTY INSURANCE COVERAGE
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Fire insurance - fire, soot, smoke, lightning strike, explosion
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Pipeline leakage insurance - steam, gas, water or other liquid escaping from the piping, tank or equipment serving the building
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Storm insurance - storm, hail, trees or other objects that have fallen on the building due to a storm;
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Flood insurance - natural flood
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Vandalism insurance - wrongful actions of a third party and collision of a land vehicle
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Theft insurance - damage caused by the theft of the external parts of a building
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Glass insurance - breakage of glass surfaces as a result of an unexpected and unforeseen event
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Electrical failure insurance - indemnified damage to the insured electrical equipment, the direct cause of which is over-voltage, over-voltage or under-voltage caused by electric current, short circuit, electrical failure
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Total risk insurance - damage to the insured property caused by any unexpected and unforeseen event, which is not excluded by the insurance terms and conditions. The total risk insurance also covers losses arising from internal failures of the building's technical systems.
APARTMENT ASSOCIATION LIABILITY INSURANCE
Apartment association liability insurance indemnifies for damage that has occurred in the apartment association's area of responsibility, such as an accident in an elevator, corridor or around a house. Liability insurance covers both property damage and the necessary medical expenses arising from personal injury or damage to health. If desired, it is also possible to choose compensation for damage caused to the members of the apartment association by the apartment association, for example, water damage caused by the rupture of the pipeline under the responsibility of the apartment association or fire from technical systems.