Home insurance

Why choose PZU home insurance?

• 24-hour Koduabi (Home Assistance) service.
  Our Home Assistance service is available 24/7 to help deal with unexpected situations quickly and efficiently.
• Cover for malfunctions:
  Applies to home contents and kitchen appliances that are up to four years old.
• Additional costs:
  We cover the additional costs for the reduction of damage, cleaning and restoration so you can get back to normal quickly.
• Cover for fire:
  We help restore landscaping to the extent of up to 3,000 euros and, if necessary, indemnify the medical treatment costs of your pet.
• Cover for solar panels:
  We indemnify the loss of revenue from the sale of electricity if the panels are destroyed.
• Storage costs:
  If an insured event makes it necessary to store your property, we will also cover the rental costs for secure storage.
• There is no deductible in many events:
  In many events, no deductible applies – you will save your money and time.
• Flexible contract:
  Enter into an insurance contract for up to three years, as you see fit – a simple and convenient solution. For further terms and conditions, read here.

What we insure

Residential buildings and apartments

We insure your home, whether it is a private house or an apartment, providing cover against unexpected damage.

Home contents

Accompanying home contents:

The valuables accompanying you are protected anywhere in the world to the extent of up to 3,000 euros.

Furnishings and equipment covered

In addition to the building, the insurance covers built-in kitchen, hall, wardrobe and bathroom furniture, as well as integrated kitchen appliances and sanitary ware.

• How to choose adequate insurance covers?

  Restoration of home contents –
  Think about the amount needed to replace all the items in your home with new equivalent ones. We recommend that you consider their actual reacquisition value, so that there are no shortfalls in the event of unexpected situations.

  Liability insurance – If you live in an apartment building, liability insurance is essential to cover potential damage to your neighbours. We recommend that you choose insurance cover in an amount that covers at least 15,000 euros per floor and not less than 20,000 euros in total. This will ensure peace of mind for you and your neighbours.

  Rent of temporary housing – To cover the possible costs of temporary housing, we recommend that you consider the amount that covers the rental costs of half a year’s rent based on the size and location of your home.

• Covers included in the contract and additional covers to be chosen

  Covers included in the contract

  Fire	We indemnify damage caused by a fire, smoke, soot, fire extinguishing water, lightning strike or explosion. Example: If a fire breaks out in the house due to a faulty electrical wiring and an open fire destroys the furniture in the living room, the insurance will indemnify the damage.
  Water accident	The cover includes damage caused by liquids discharged as a result of a breakage of water supply, sewerage, heating or cooling system, as well as damage caused by water discharged from a fish tank. In addition, we indemnify the repair costs of a broken pipe up to the extent of 1,000 euros. Example: If a broken pipe causes a flood and damages kitchen furniture, the insurance will cover both the restoration of the furniture and the repair of the pipe.
  Burglary	We indemnify damage caused by burglary, robbery or vandalism. In addition, the insurance covers broken locks and the costs of restoring doors without a deductible. Example: If a thief breaks into a locked apartment and steals a TV, the insurance will compensate for the cost of the stolen property and the cost of installing a new lock.
  Vandalism	We indemnify damage caused to property by the intentional spoilage or destruction of the property by a third party. In addition, the insurance covers the shattering of a glass surface without a deductible. Example: If someone deliberately breaks a window in an apartment, the insurance will compensate for the cost of repairing the window.
  Storm	Damage caused by a strong wind (18m/s or more), fallen trees or objects, hail or ridged ice is covered. Example: If storm wind breaks a tree, which falls onto a roof and damages the roof, the insurance will compensate for the repairs thereof.
  All-risk	We indemnify damage caused by an unexpected and unforeseeable event not covered by other terms and conditions, such as falling objects or mechanical malfunctions. Example: If a hotplate breaks as a result of a heavy object falling onto it, the insurance will cover the cost of repairing or replacing the hotplate.
  Flood	We indemnify damage caused by natural floods, including floods caused by a storm, precipitation or a rise in the water level of a body of water. Example: If the water level of a river rises and floods the basement of a house, the insurance will compensate for the damage.

  Additional covers to be chosen

  *Pay attention to the restrictions in the terms and conditions and in the offer

  Home contents	Covers home furnishings, electronics and other personal property. Example: If a fire destroys household appliances, the insurance will compensate for their restoration.
  Rent of temporary housing	We indemnify the rent and moving costs of a residence if the insured home becomes uninhabitable due to damage. Example: If a fire makes the residence temporarily uninhabitable, the insurance will compensate for the rent of the temporary apartment.
  Liability insurance	Covers damage caused by the policyholder or their family members to a third party. Example: If your child is playing with a ball and breaks a neighbour’s window, the insurance will cover the repair costs.
  Renting out	Cover for damage caused by tenants, such as damage to the interior finishing. Example: If the tenant damages the bathroom floor, the repair will be indemnified.
  Rainwater	We indemnify damage caused by rainwater penetrating into structures. Example: If heavy rain penetrates through the roof to the attic and damages the ceiling, the insurance will cover the repair costs.
  Smart device	Covers smart devices against unexpected damage. Example: If you drop your laptop and it breaks, the insurance will compensate for the repair or replacement.
  Drone	Covers damage caused by the use of or damage to a drone. Example: If a drone falls onto someone’s car and causes damage, the insurance will cover the repair costs.
  Extended warranty	Extends the manufacturer’s warranty on equipment, covering the costs of malfunctions and damage. Example: If the fridge breaks down after the warranty period, the repair costs will be indemnified.

• Advice on how to reduce damage caused by natural forces.

  • Always follow the instructions and recommendations of the Rescue Board.
  • Collect all loose items from your garden and move them indoors if possible.
  • Items that cannot be placed indoors should be securely attached to a building or the ground.
  • Close the doors and windows of buildings. Avoid making a fire in fireplaces and unplug appliances that are not in use.
  • If you have larger trees in your garden, their branches may break off in a storm. Don’t keep things near trees.
  • When hail is forecast and there is a greenhouse or glass-roofed shelter in the garden, cover them with blankets or other protective materials if possible.
  • In the event of heavy rain and rising water levels, put items in the basement in a higher place. It is recommended to place sandbags in front of entrances.
  • In the case of heavy snowfall, clear the accumulated snow from the roof to avoid the risk of snow falling off.

• What to do in the event of damage?

  Make every effort to ensure that the damage incurred does not increase.

  • The first thing is to always ensure the safety of people. If someone was injured in the course of the incident, notify the Rescue Board about this immediately and act according to their instructions.
  • If a window has broken, cover it with plastic film.
  • In the case of water damage/fire, dry the wet surfaces as soon as possible. Water doesn’t often cause any damage if it’s dried quickly.
  • Emergency work is permitted to reduce potential damage, e.g. repairing a broken pipe, fixing a roof in the case of storm damage, using temporary covers on openings, etc. If possible, take photos of the damage before doing the work.
  • For example, if the water pipeline is broken or leaking, turn off the water supply and/or contact a specialist who will stop the leak.

  Read more here.