Cottage Insurance

  • It applies to a temporarily occupied secondary residence including its building components and outside access lines.
  • The insurance includes protection of technical equipment which is used together with the main and adjacent building.
  • Up to 40% discount on online insurance deals. You will receive all documentation electronically.
  • The cottage insurance includes insurance of adjacent constructions and their building components and outside access lines.

What can be insured?

 

Chata, chalupa

The cottage which is used as a temporary
secondary residence.

Vedlejší stavba

Adjacent constructions including building
components and outside access lines.

Studna, skleník

Well and greenhouse which are used
together with the main building.

 

 

List of property insurance packages

  Ideal Excelent VIP
Exposure to the element

windstorm, hail, lightning, heavy snow or ice

ok ok ok
Fire and explosio

fire, explosion, implosion, smoke

ok ok ok
Disaster

landslide, snow avalanche, rock and earth collapse, earthquake, fallen trees and poles

ok ok ok
Vehicles

crash of vehicle or its load, of aircraft, its parts or its load, aerodynamic noise caused by supersonic aircrafts

ok ok ok
Basic water damag

discharge, buildup and freezing water

ok ok ok
Extensive water damag

sewage backup & overflow, storm-related water damage

max.CZK
30 thous.
max.CZK
50 thous.
max.CZK
50 thous.
Flood and flash floo

flood and flash flood

fail fail ok
Theft and vandalism

burglary, robbery, vandalism

fail max. 50 % of SI ok
Electricity

short circuit, undervoltage and overvoltage (incl. indirect lightning strike)

max.CZK
30 thous.
mmax.CZK
50 thous.
max.CZK
100 thous.
Electronics

damage to electrical equipment and optical devices

max. 35 % of SI max. 35 % of SI max. 35 % of SI
Alternative Accommodation

alternative accommodation in case of damage

max.CZK
30 thous.
max.CZK
30 thous.
max.CZK
30 thous.
Pets

injuries to non-profitable animals

max.CZK
20 thous.
max.CZK
20 thous.
max.CZK
20 thous.
Glass and Sanitary Facilities

broken glass caused by uninsured risk, broken sanitary facility caused by uninsured risk

max.CZK
30 thous.
max.CZK
30 thous.
max.CZK
30 thous.
Damage to Property Outside the Home

damage to bicycles outside of the place of insurance, damage to property in a secure area, damage to personal belongings, damage to items of personal use beyond the insurance

max.CZK
10 thous.
max.CZK
10 thous.
max.CZK
10 thous.
Money and Payment Cards

damage to cash or misuse of passbooks and payment cards

max.CZK
20 thous.
max.CZK
20 thous.
max.CZK
20 thous.
Valuables and Property of Special Value

damage to valuables, to property of special and artistic value

max. 20 % of SI max. 20 % of SI max. 20 % of SI
Vandalism - building

vandalism, spray painting - pollution, coloration

max.CZK
30 thous.
max.CZK
30 thous.
max.CZK
30 thous.
Odcizení - building

Vandalism, theft of building components, materials and equipment

max.CZK
50 thous.
max.CZK
150 thous.
max.CZK
200 thous.
Facade - building

Damage to Facade

max.CZK
30 thous.
max.CZK
30 thous.
max.CZK
30 thous.
MaxDomov

Cottage Insurance

It protects your property against the elements

Take out online

 

The insurance includes

 

  • Pojištění venkovních přípojek

    Cottage insurance
    including the building components and outside access lines

  • Pojištění vedlejších staveb

    Adjacent building insurance
    (e.g. gazebo, garden shed, grave or tombstones)

  • Pojištění technických zařízení

    Technical equipment insurance
    (e.g. pumps and gas tanks)

  • Pojištění studny, skleníku

    Insurance of wells, greenhouses, photovoltaic power plants
    which are part of the main or adjacent building

  • Pojištění dočasných objektů staveniště

    Insurance of temporary building sites which are part of the insured building under construction

  • Pojištění venkovních přípojek

    Outside access lines insurance
    (e.g. sheds, extensions, septic tanks or cesspit)

 

For more details on insurance, read the terms and conditions.

What interests you most

Can I insure a cottage which is not located in the Czech Republic?

No, this insurance only covers secondary residences located within the Czech Republic.

What counts as an adjacent building?

For instance, it includes garage, agricultural building, garden shed, well, greenhouse, sewage treatment plant, tombstones or fencing.

Are there any premises which cannot be considered as a place of insurance?

Yes, these are premises which are used strictly for profitable activities or for performance of work.

How do the insurance options vary from one another?

The insurance options differ not only in terms of their content but also the limit of the insurance compensation and amount of excess. This reflects on the price of the insurance.