Home insurance

Our home is our fortress.
But even a fortress needs protection.
How can you protect your home?

Variant 1
Standard risks also required by credit institutions:

  • Fire, direct lightning strike, explosion, aircraft/helicopter downing
  • Storm and strong winds
  • Leakage of equipment (water pipes, sewerage, heating and ventilation systems)
  • Vandalism
  • Burglary, robbery

Variant 2
Comprehensive insurance – maximum protection in the event of unexpected and unforeseeable damage.
The terms and conditions of this insurance only cover exclusions (losses that are not covered): losses due to wear and tear, corrosion, mould, rodents and other pests, subsidence, design defects, in other words, all losses that can be foreseen and prevented.

What can be insured?

  • Apartment – only the interior finishes (floors, ceilings, walls), load-bearing and exterior walls are not insured here. The apartment is insured for its replacement value. The following are automatically insured together with the finishing: electrical system, electric meter, built-in sanitary installations. Built-in wardrobes, wood-burning stoves and suspended ceilings are also included.
  • Part of the building – in addition to the interior finishes of the apartment, the notional part of the building belonging to the apartment, i.e. the exterior finishes, part of the basement or attic, a shared balcony and a corridor, can also be insured.
  • The dwelling is insured for interior and exterior walls, roof, porch and stairs. Smaller outbuildings (10-20 m²) are also insured with the building. In addition, structures such as fencing, street lighting, a playground, a greenhouse and similar small structures are also insured. Larger buildings must be separately indicated on the policy.

Corrections:

  • Corrected the positioning of the dashes (10-20 m², not 10-20m²).
  • The text is divided into points and subheadings for easier reading.
  • Some sentences have been streamlined, grammatical and punctuation errors corrected.
  • Consistent terminology used.

The insurance of a non-permanent home and a holiday home is not very different from that of a normal building. However, the insurance risk is higher and the premium is higher because it is not their permanent residence. Some insurers do not cover damage caused by leaks in the plumbing in such houses, and the risk of burglary is only covered if the automatic alarm system is connected to a security company.

It is also possible to insure a building under construction when the shell is complete, i.e. the walls, roof, windows and doors are in place, but the range of insurable risks is limited.

Outbuildings such as saunas, sheds and garages can also be insured, but the range of risks is limited.

When insuring household contents in an apartment or dwelling house, a list of insurable property must be attached. Sometimes assets are also grouped into categories: furniture, electronics, clothes, etc. More expensive items must be indicated separately on the policy.

The sum insured for an apartment or dwelling is the reinstatement value of that dwelling in its pre-loss condition and is different from the market value of the dwelling. For example, a house in the countryside may cost less than one in the city, but the replacement values of the houses may be the same.

In both new and old houses, accidents can happen to water, heating and other systems. They can cause damage not only to the insured but also to third parties (for example, downstairs neighbours). It is therefore sensible to add civil liability insurance to home insurance.

Travel insurance

On the basis of this application, we will send you a travel insurance offer. Please fill in all the boxes marked with an asterisk and check that the information is correct! If you have any further questions, we will contact you by phone or email.

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Use of the small boat

You can attach a registration certificate

Click or drag a file to this area to upload.

Small boat insurance

On the basis of this application, we will send you a motor insurance quote. Please fill in all the boxes marked with an asterisk and check that the information is correct! If you have any further questions, we will contact you by phone or email.

Please enable JavaScript in your browser to complete this form.

Required fields

Thank you for providing more detailed information

Use of the small boat

You can attach a registration certificate

Click or drag a file to this area to upload.

Consent to the processing of customer personal data

I hereby give my consent to Kominsur Kindlustusmaakler OÜ, registration code 11111547, to collect, use, store, erase and retain my personal data for the purpose of providing Kominsur Kindlustusmaakler OÜ’s services (e.g. insurance services) for the period of time and, in cases prescribed by law, after the initial processing, for as long as necessary for the provision of the service, in the legitimate interests of Kominsur Kindlustusmaakler OÜ, or for the period of time specified by the legislation of the Republic of Estonia, if necessary.

I agree that the data collected herein may be disclosed to third parties where this is necessary for the processing of the data for the purposes set out in this consent or where such an obligation is required by applicable law.

I confirm that I have made my personal data available to this company. I have been informed that I have the right to request that my data be updated at any time, to request information about the use of my data, as well as to withdraw this consent and request the deletion of my data.