The Householder’s Comprehensive Insurance Policy which is an extended package insurance application covering losses from which you may suffer in residences and properties and also damages you would be indirectly liable to pay covers a great many of risks such as fire and allied perils, theft, earthquake. The said perils are valid for all buildings constructed of stones (reinforced concrete, carcass) and also properties in such buildings within limits of municipalities.

          Covered risks:

• Fire, lightning, explosion
• Fire legal liability
• Internal Water
• Smoke
• Flood and inundation
• Windstorm
• Landslide
• Impact of Aircraft
• Impact of Land Vehicles
• Theft
• Heavy Snow
• Strike, lock-out, riots, civil commotions, malicious damage and terrorism
• Loss of rent
• Theft – valuable properties
• Alternative Housing Expenses
• Removal of Wreck expenses
• Carriage of properties
• Third party liability insurance
• Glass Plate
• Payment on new value
• Painting
• Common areas
• Inflation protection
• Dwelling auxiliary services

Optional additional perils for insurance for household belongings:


• Earthquake
• Impact of Seacraft
• Plate Glass

If you are the owner of the building of the dwelling, then you are obliged to take out a compulsory earthquake insurance policy for your house first. The insurance company shall be liable for the portion over the coverage limit constituting a basis for the Compulsory Earthquake Insurance as of the date of the contract in respect of the facultative EQ and volcanic eruption perils of buildings provided as an additional coverage to the Fire Insurance. The portion that exceeds the compulsory EQ insurance limit of your dwelling’s sum insured and also the EQ coverage for your properties is provided within the scope of your Householder’s Comprehensive Insurance Policy.