{"id":3396,"date":"2025-04-05T20:01:17","date_gmt":"2025-04-05T20:01:17","guid":{"rendered":"https:\/\/kominsur.colparad.com\/kodukindlustus\/"},"modified":"2025-11-21T11:44:43","modified_gmt":"2025-11-21T11:44:43","slug":"kodukindlustus","status":"publish","type":"page","link":"https:\/\/kominsur.ee\/en\/kodukindlustus\/","title":{"rendered":"Home insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3396\" class=\"elementor elementor-3396 elementor-1695\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-25b7d045 ct-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"25b7d045\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-459a500f elementor-hidden-tablet elementor-hidden-phone\" data-id=\"459a500f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-be2bb06 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"be2bb06\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-bbbd296\" data-id=\"bbbd296\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5390f20 elementor-nav-menu__align-start sticky-menu elementor-nav-menu--dropdown-none elementor-widget elementor-widget-nav-menu\" data-id=\"5390f20\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;svg aria-hidden=\\&quot;true\\&quot; class=\\&quot;e-font-icon-svg e-fas-caret-down\\&quot; viewBox=\\&quot;0 0 320 512\\&quot; xmlns=\\&quot;http:\\\/\\\/www.w3.org\\\/2000\\\/svg\\&quot;&gt;&lt;path d=\\&quot;M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\\&quot;&gt;&lt;\\\/path&gt;&lt;\\\/svg&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;}}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-background e--animation-sweep-right\">\n\t\t\t\t<ul id=\"menu-1-5390f20\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4579\"><a href=\"https:\/\/kominsur.ee\/en\/eraklient\/\" class=\"elementor-item\">Private client<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4580\"><a href=\"https:\/\/kominsur.ee\/en\/kodukindlustus\/\" class=\"elementor-item\">Home insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4581\"><a href=\"https:\/\/kominsur.ee\/en\/liikluskindlustus\/\" class=\"elementor-item\">Motor Insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4582\"><a href=\"https:\/\/kominsur.ee\/en\/soidukikindlustus\/\" class=\"elementor-item\">Casco insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4583\"><a href=\"https:\/\/kominsur.ee\/en\/reisikindlustus\/\" class=\"elementor-item\">Travel insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4584\"><a href=\"https:\/\/kominsur.ee\/en\/onnetusjuhtumikindlustus\/\" class=\"elementor-item\">Accident insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4585\"><a href=\"https:\/\/kominsur.ee\/en\/tervisekindlustus\/\" class=\"elementor-item\">Health insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4586\"><a href=\"https:\/\/kominsur.ee\/en\/lemmikloomakindlustus\/\" class=\"elementor-item\">Pet insurance<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-5390f20\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4579\"><a href=\"https:\/\/kominsur.ee\/en\/eraklient\/\" class=\"elementor-item\" tabindex=\"-1\">Private client<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4580\"><a href=\"https:\/\/kominsur.ee\/en\/kodukindlustus\/\" class=\"elementor-item\" tabindex=\"-1\">Home insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4581\"><a href=\"https:\/\/kominsur.ee\/en\/liikluskindlustus\/\" class=\"elementor-item\" tabindex=\"-1\">Motor Insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4582\"><a href=\"https:\/\/kominsur.ee\/en\/soidukikindlustus\/\" class=\"elementor-item\" tabindex=\"-1\">Casco insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4583\"><a href=\"https:\/\/kominsur.ee\/en\/reisikindlustus\/\" class=\"elementor-item\" tabindex=\"-1\">Travel insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4584\"><a href=\"https:\/\/kominsur.ee\/en\/onnetusjuhtumikindlustus\/\" class=\"elementor-item\" tabindex=\"-1\">Accident insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4585\"><a href=\"https:\/\/kominsur.ee\/en\/tervisekindlustus\/\" class=\"elementor-item\" tabindex=\"-1\">Health insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4586\"><a href=\"https:\/\/kominsur.ee\/en\/lemmikloomakindlustus\/\" class=\"elementor-item\" tabindex=\"-1\">Pet insurance<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-236ba80\" data-id=\"236ba80\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1550d7f elementor-widget elementor-widget-heading\" data-id=\"1550d7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Home insurance  <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a85abed elementor-widget elementor-widget-text-editor\" data-id=\"a85abed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Our home is our fortress.<br>But even a fortress needs protection.<br>How can you protect your home?<\/p><p><strong>Variant 1<\/strong><br>Standard risks also required by credit institutions:<\/p><ul><li>Fire, direct lightning strike, explosion, aircraft\/helicopter downing<\/li><li>Storm and strong winds<\/li><li>Leakage of equipment (water pipes, sewerage, heating and ventilation systems)<\/li><li>Vandalism<\/li><li>Burglary, robbery<\/li><\/ul><p><strong>Variant 2<\/strong><br>Comprehensive insurance &#8211; maximum protection in the event of unexpected and unforeseeable damage.<br>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.<\/p><p><strong>What can be insured?<\/strong><\/p><ul><li><strong>Apartment<\/strong> &#8211; 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.   <\/li><li><strong>Part of the building<\/strong> &#8211; 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.<\/li><li>The <strong>dwelling<\/strong> is insured for interior and exterior walls, roof, porch and stairs. Smaller outbuildings (10-20 m\u00b2) 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.   <\/li><\/ul><p><strong>Corrections:<\/strong><\/p><ul><li>Corrected the positioning of the dashes (10-20 m\u00b2, not 10-20m\u00b2).<\/li><li>The text is divided into points and subheadings for easier reading.<\/li><li>Some sentences have been streamlined, grammatical and punctuation errors corrected.<\/li><li>Consistent terminology used.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b35d5c0 e-con-full e-flex e-con e-parent\" data-id=\"b35d5c0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b9fd382 e-con-full e-flex e-con e-child\" data-id=\"b9fd382\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cf663b2 elementor-widget elementor-widget-text-editor\" data-id=\"cf663b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>The insurance of<\/strong> <strong>a non-permanent home and a holiday home<\/strong> 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.<\/p><p>It is also possible to insure <strong>a building under construction<\/strong> when the shell is complete, i.e. the walls, roof, windows and doors are in place, but the range of insurable risks is limited.<\/p><p><strong>Outbuildings<\/strong> such as saunas, sheds and garages can also be insured, but the range of risks is limited.<\/p><p>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.<\/p><p>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.<\/p><p>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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-3a9bc87\" data-id=\"3a9bc87\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home insurance Our home is our fortress.But even a fortress needs protection.How can you protect your home? Variant 1Standard 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 2Comprehensive insurance &#8211; maximum protection [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3396","page","type-page","status-publish","hentry"],"blocksy_meta":{"page_title_panel":"","has_hero_section":"disabled","0df2dca53447789c9966a9ee2482ae8e":"","hero_section":"type-1","hero_elements":[{"id":"custom_title","enabled":true,"heading_tag":"h1","title":"Home"},{"id":"custom_description","enabled":true,"description_visibility":{"desktop":true,"tablet":true,"mobile":false}},{"id":"custom_meta","enabled":false,"meta_elements":[{"id":"author","enabled":true,"label":"By","has_author_avatar":"yes","avatar_size":25},{"id":"post_date","enabled":true,"label":"On","date_format_source":"default","date_format":"M j, Y"},{"id":"comments","enabled":true}],"page_meta_elements":{"joined":true,"articles_count":true,"comments":true}},{"id":"breadcrumbs","enabled":false}],"9a068402903147dab0312ed721d813d1":"","hero_alignment1":"left","hero_alignment2":"center","hero_vertical_alignment":"center","878df3921d36f5f7834a2f50f2d62119":"","hero_structure":"narrow","c672b96ecc952ad64c8c2d7fdf1a61dc":"","page_title_bg_type":"featured_image","custom_hero_background":{"attachment_id":null},"parallax":{"desktop":false,"tablet":false,"mobile":false},"cc7bcd5456d7cac909e888486d83b616":"","hero_height":"250px","pageTitleFont":{"family":"Default","variation":"Default","size":{"desktop":"32px","tablet":"30px","mobile":"25px"},"line-height":"CT_CSS_SKIP_RULE","letter-spacing":"CT_CSS_SKIP_RULE","text-transform":"CT_CSS_SKIP_RULE","text-decoration":"CT_CSS_SKIP_RULE"},"pageTitleFontColor":{"default":{"color":"CT_CSS_SKIP_RULEDEFAULT"}},"pageMetaFont":{"family":"Default","variation":"n6","size":"12px","line-height":"1.3","letter-spacing":"CT_CSS_SKIP_RULE","text-transform":"uppercase","text-decoration":"CT_CSS_SKIP_RULE"},"pageMetaFontColor":{"default":{"color":"CT_CSS_SKIP_RULEDEFAULT"},"hover":{"color":"CT_CSS_SKIP_RULEDEFAULT"}},"pageExcerptFont":{"family":"Default","variation":"Default","size":"CT_CSS_SKIP_RULE","line-height":"CT_CSS_SKIP_RULE","letter-spacing":"CT_CSS_SKIP_RULE","text-transform":"CT_CSS_SKIP_RULE","text-decoration":"CT_CSS_SKIP_RULE"},"pageExcerptColor":{"default":{"color":"CT_CSS_SKIP_RULEDEFAULT"}},"breadcrumbsFont":{"family":"Default","variation":"n6","size":"12px","line-height":"CT_CSS_SKIP_RULE","letter-spacing":"CT_CSS_SKIP_RULE","text-transform":"uppercase","text-decoration":"CT_CSS_SKIP_RULE"},"breadcrumbsFontColor":{"default":{"color":"CT_CSS_SKIP_RULEDEFAULT"},"initial":{"color":"CT_CSS_SKIP_RULEDEFAULT"},"hover":{"color":"CT_CSS_SKIP_RULEDEFAULT"}},"pageTitleOverlay":{"default":{"color":"rgba(41, 51, 60, 0.2)"}},"pageTitleBackground":{"background_type":"color","background_pattern":"type-1","background_image":{"attachment_id":null,"x":0,"y":0},"background_repeat":"no-repeat","background_size":"auto","background_attachment":"scroll","patternColor":{"default":{"color":"#e5e7ea"}},"backgroundColor":{"default":{"color":"#EDEFF2"}}},"5384544efa2613b7222fa667fe0c3bd5":"","page_structure_type":"default","content_style":"inherit","vertical_spacing_source":"custom","content_area_spacing":"none","background":{"background_type":"color","background_pattern":"type-1","background_image":{"attachment_id":null,"x":0,"y":0},"background_repeat":"no-repeat","background_size":"auto","background_attachment":"scroll","patternColor":{"default":{"color":"#e5e7ea"}},"backgroundColor":{"default":{"color":"CT_CSS_SKIP_RULE"}}},"content_background":{"background_type":"color","background_pattern":"type-1","background_image":{"attachment_id":null,"x":0,"y":0},"background_repeat":"no-repeat","background_size":"auto","background_attachment":"scroll","patternColor":{"default":{"color":"#e5e7ea"}},"backgroundColor":{"default":{"color":"#ffffff"}}},"content_boxed_spacing":{"desktop":"40px","tablet":"35px","mobile":"20px"},"content_boxed_radius":{"top":"3px","bottom":"3px","left":"3px","right":"3px","linked":true},"content_boxed_shadow":{"blur":18,"spread":-6,"v_offset":12,"h_offset":0,"inset":false,"enable":true,"color":{"color":"rgba(34, 56, 101, 0.04)"}},"7b360c47770bb2bc7820037d1b7ccdae":"","disable_featured_image":"no","disable_header":"no","disable_footer":"no","styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[]}},"_links":{"self":[{"href":"https:\/\/kominsur.ee\/en\/wp-json\/wp\/v2\/pages\/3396","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kominsur.ee\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/kominsur.ee\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/kominsur.ee\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kominsur.ee\/en\/wp-json\/wp\/v2\/comments?post=3396"}],"version-history":[{"count":6,"href":"https:\/\/kominsur.ee\/en\/wp-json\/wp\/v2\/pages\/3396\/revisions"}],"predecessor-version":[{"id":5268,"href":"https:\/\/kominsur.ee\/en\/wp-json\/wp\/v2\/pages\/3396\/revisions\/5268"}],"wp:attachment":[{"href":"https:\/\/kominsur.ee\/en\/wp-json\/wp\/v2\/media?parent=3396"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}