Homeowners insurance of residential housing
The insurance covers, among other things, damage due to water leakage from pipes, damage caused by burglary or attempted burglary, if windows are broken and if damage is caused by bad weather. The insurance also covers damage that occurs if stovetops or sanitary appliances break due to unexpected and sudden accidents.
The homeowners Insurance does not cover furniture or movables that are in the property. Furnishings and other movables must be insured separately under the F-Plus family insurance or the personal possessions Insurance in the case of precious items.
If you have homeowners insurance and are considering selling your existing property and buying a new one, please be advised that Homeowners Insurance is not automatically transferred between properties you own. It is important to make sure that the new property has the insurance coverage you want.
If you are moving from an apartment to a detached house, we suggest you consider purchasing homeowners insurance. Homeowners' associations often have joint homeowners insurance for all the apartments in the building and people who are moving out of apartment buildings often do not realise the benefits of insuring their detached homes with Homeowners Insurance. Please contact us if anything is unclear and we will assist you.
The insurance covers, among other things, damage due to water leakage from pipes, damage caused by burglary or attempted burglary, if windows are broken and if damage is caused by bad weather. The insurance also covers damage that occurs if stovetops or sanitary appliances break due to unexpected and sudden accidents.
The homeowners Insurance does not cover furniture or movables that are in the property. Furnishings and other movables must be insured separately under the F-Plus family insurance or the personal possessions Insurance in the case of precious items.
If you have homeowners insurance and are considering selling your existing property and buying a new one, please be advised that Homeowners Insurance is not automatically transferred between properties you own. It is important to make sure that the new property has the insurance coverage you want.
If you are moving from an apartment to a detached house, we suggest you consider purchasing homeowners insurance. Homeowners' associations often have joint homeowners insurance for all the apartments in the building and people who are moving out of apartment buildings often do not realise the benefits of insuring their detached homes with Homeowners Insurance. Please contact us if anything is unclear and we will assist you.
The insurance covers
-
Water damage resulting from leakage from the building’s plumbing system.
-
Loss or damage caused by burglary or attempted burglary.
-
Breakage of glass, fixtures and fittings, hobs, worktops and sanitary ware.
-
Damage caused by storm and sudden heavy snow load.
-
Bodily injury or property damage covered under liability insurance.
-
Legal costs arising from disputes in civil matters.
The insurance does not cover
-
Damage that can be attributed to normal wear and tear, as well as damage which only affects the appearance and does not reduce the usability of the property.
-
Damage caused by external water.
-
Damage that can be attributed to construction or structural defects.
-
Damage to glass in household appliances.
-
Damage to aerials/antennas, flagpoles, fences and vegetation.
Please note that the information about the insurance is not exhaustive. More detailed information can be found in the insurance terms.
In case of a discrepancy between this information and the insurance terms, the insurance terms apply.
Insurance terms and other information
The insurance terms is your contract with VÍS. It is important to thoroughly read the terms and understand what is covered and what is not, before purchasing the insurance.
We point out that the information document contains a brief summary of the main aspects of the insurance. Further information about the insurance can be found in the insurance terms.
Other insurance
Family and home contents insurance
What we all have in common is that we can encounter unexpected events in life that cause damage to possessions or accidents to people. Therefore, it is important that you have appropriate coverage for your family and your belongings.
Vehicle insurance
All of us can make mistakes while driving or find ourselves in a situation that results in damage. Therefore, it is important to have good motor vehicle insurance.
Life and health insurance
No one expects to lose their health or get into a serious accident, but the fact is that it can happen to all of us. With life and health insurance, you reduce the financial consequences of damage to your health
Travel insurance
Are you planning a trip? Whether you are travelling for pleasure, study, work or other reasons, we recommend that you check whether you have travel insurance that suits you.
Animal insurance
Animals need insurance just like any other family member. We have extensive experience in insuring animals and offer several types of animal insurance for horses, dogs and cats that you can combine according to your needs.