House Insurance

  • It covers your entire real estate including building components
  • You can insure your house from the beginning of its construction to the final inspection
  • Up to 25% discount on online deals
  • House insurance offers a full protection of your home

Against what can I insure my house?

 

Proti požáru, blesku

Fire, lightning, explosion, smoke
or aircraft crash

 

Proti vodovodním kalamitám

Water-related disasters and
other water damage

 

Krádež stavebních součástí

Theft of building components
by a third party

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

House Insurance

It applies to all houses in the Czech Republic

Take out online

The Ideal insurance package covers for example:

 

  • Požár, kouř, blesk, výbuch

    Fire, lightning strike, explosion, smoke or aircraft cras

  • Vichřice, krupobití

    Windstorm, hail and other water-related damage

  • Vandalismus

    Vandalism and theft of building components by a third party

  • Tíha sněhu

    Heavy snow, ice or storm-related water damage

  • Přetlak, zamrzání vody

    Buildup, freezing water, windstorm or hail

  • Rozbití skla nepojištěným nebezpečím

    Broken glass caused
    by uninsured risk

 

The Excelent insurance package additionally covers:

 

  • Vystoupení vody z kanalizace

    Sewage backup & overflow with limit
    up to CZK 25 thous

  • Ztráta vody

    Water loss
    with
    a limit up to CZK 25 thous

  • Zatečení atmosférických srážek

    Storm-related water damage
    with a limit
    up to CZK 25 thous

  • Lom trubky

    Burst pipe 
    with a limit up
    to CZK 25 thous

  • Odcizení stavebních součástí, materiálu a techniky

    Theft of building components, 
    material and equipment up
    to CZK 100 thous

 

The VIP insurance package additionally covers:

 

  • Vystoupení vody z kanalizace

    Sewage Backup & Overflow 
    with a limit up
    to CZK 50 thous

  • Ztráta vody s limitem

    Water loss
    with a limit up
    to CZK 50 thous

  • Zatečení atmosférických srážek

    Storm-related water damage
    with a limit up
    to CZK 50 thous

  • Lom trubky

    Burst pipe 
    with a limit up
    to CZK 50 thous

  • Odcizení stavby

    Theft of building components, 
    material and equipment up
    to CZK 200 thous

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

What interests you most

I am an owner of a family house and I live in one apartment, the second one I rent out. How can I insure my family house and both apartments (households)?

As the owner, you can insure the building and the household which are in your ownership. You can insure both the property in your household as well as the household you are renting out. The tenant can then also insure the household but only the property which is in its ownership.

How to insure a garage which is part of a family house?

If the insured set up an insurance of the family house, the garage, as part of the family house, is incorporated in the insurance policy.

What is considered as an adjacent construction?

In addition to the swimming pool or garage, these are also agricultural buildings, fencing, sheds, garden sheds, extensions, septic tanks, gas tanks, sewage treatment plants, photovoltaic power stations, wells, greenhouses, graves, tombstones and other.

What does the insurance cover?

In addition to movable items and property constituting the household, it also covers, for example, valuables, money, deposits, bicycles, domestic and farm animals or optical devices.