How to protect your apartment in Ukraine if you are abroad? A real solution — without coming to Ukraine

Thousands of Ukrainians have left their homes unattended after moving abroad and are looking for ways to secure them. Modern online services allow you to deal with insurance, documents and apartment monitoring remotely. Find out how to protect your apartment in Ukraine while abroad, without being there in person

Apartment insurance against damage, destruction and theft

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When you live or work abroad and your apartment remains in Ukraine, anxiety becomes a constant companion. What will happen if there is looting, fire, flooding or the consequences of war? Is it possible to protect your home and resolve these issues remotely? The answer is yes. Today, there are real tools that allow you to preserve your property without returning to the country. Here is what you need to know.

Why Ukrainians abroad are worried about their apartments

After 2022, hundreds of thousands of Ukrainians have a new fear: what will happen to their apartments if they do not return for a long time? News of invasions of homes, arson, damage during shelling and flooding only reinforce these fears. Even the simple lack of control is a risk: appliances may break down, pipes may burst or illegal tenants may move in.

Apartments are particularly vulnerable during wartime, when many cities face unpredictable circumstances. Therefore, the question of how to protect an apartment in Ukraine is one of the most pressing for Ukrainians abroad.

Property insurance in Ukraine has become a real tool for protection. You can take out insurance online through the Visit Ukraine service without visiting an office. Such a policy helps to compensate for losses and preserve the value of property.

Property insurance in Ukraine: what does the policy actually cover?

What risks does the insurance cover?

The coverage of specific risks on the Visit Ukraine portal depends on the insurance package.

Express home insurance + military risks:

▪️ Natural disasters (rains, hurricanes, lightning strikes, etc.);

▪️ Household accidents and incidents (fires, smoke, gas leaks, etc.);

▪️ Illegal actions of third parties (burglary, theft, etc.);

▪️ Military actions (missile strikes, UAVs, drones, explosions of ammunition and mines, etc., except for nuclear, biological and chemical weapons).

Express apartment insurance + military risks:

▪️ Natural phenomena (lightning strikes, storms and other natural disasters);

▪️ Household accidents (fire, smoke, flooding, domestic gas explosions);

▪️ Illegal actions of third parties (damage to property, burglary, robbery, etc.);

▪️ Military risks (falling missiles, UAVs and drones, explosions of ammunition and mines, except for nuclear, biological and chemical weapons).

Express apartment insurance

▪️ Structural elements of the apartment (including windows, balconies and loggias);

▪️ Engineering communications;

▪️ Interior decoration of the premises;

▪️ Furniture and household appliances;

▪️ Interior items.

How much does it cost and how to apply

The price of the policy depends on the type of housing and the selected risks. But the main thing is that it can be arranged completely remotely.

To insure your apartment online, follow these steps:

1. Select the sum insured (depending on your estimate of the value of the property and property) and the date of commencement of the policy.

2. Fill in the form with details about the property (city and address of the flat you are insuring) and the person insuring the property (full name, date of birth, passport details, tax identification number, contact telephone number and email address).

3. Agree to the terms of the contract and confirm the registration (using a special code that will be sent to the email address you provided).

4. Pay for the insurance in a way that is convenient for you: with a card from any bank in the world (Visa or Mastercard), Apple Pay, Google Pay and American Express payment systems, or in instalments (if the cost of insurance exceeds £4,000) via WayForPay (Monobank, PrivatBank, A-bank).

5. Receive the finished apartment insurance policy at the specified email address.

You can take out apartment insurance online in a few minutes — just click here.

No physical presence is required — this is especially convenient for those who live abroad.

Legal protection of real estate: what else can be done remotely

Sometimes insurance alone is not enough. It is important to take care of the legal side of things as well. For example, we offer the following services remotely:

1. Issuing powers of attorney to relatives or lawyers

With a power of attorney, your relatives or lawyers will be able to act on your behalf: monitor the condition of your property, submit documents, and conclude contracts.

2. Sale, rental or purchase of real estate — even without returning to Ukraine

If you have decided to sell your apartment from abroad or want to rent out your property, everything can be done through a representative. A properly executed power of attorney and a lawyer are the key to a safe transaction.

3. Online legal support for real estate

The Visit Ukraine team of lawyers offers legal support for real estate in Ukraine and abroad. From contract review to assistance with transactions, everything can be organised remotely.

Want to resolve real estate issues easily and hassle-free? Entrust the support to professionals.

Additional tips for protecting your apartment from a distance

🔐 Install an alarm or video surveillance system

Modern GSM alarms send notifications directly to your phone, and video surveillance cameras allow you to check your apartment at any time.

💰 What to leave in your apartment and what not to

Do not keep large amounts of cash, valuables, or important documents in your apartment. It is better to move them to a bank safe deposit box or to a trusted person.

🏠 Regular checks of your home by trusted persons

Even if you have insurance, it is important that someone periodically inspects your apartment. This will allow you to identify problems in a timely manner and minimise the consequences.

Protecting your apartment without returning to Ukraine is possible

Modern online services allow you to fully control your property from abroad.

Key steps:

❗️ Online apartment insurance

❗️ Legal support and power of attorney

❗️ Technical control (alarm and video surveillance)

Use Visit Ukraine's services — from insurance to legal support — and rest assured that your property is safe.

Reminder! In the first quarter of 2025, the pace of new housing construction in Ukraine increased significantly — during this period, 35% more construction began than a year earlier. Find out which regions are building the most and how this will affect the real estate market.

Want to know more? Read the latest news and useful materials about Ukraine and the world in the News section.

We recommend purchasing it for a safe and comfortable trip to Ukraine: 

Visit Ukraine Insurance – insurance covering military risks for entry and travel in Ukraine;

Visit Ukraine Car Insurance – car insurance with extended coverage in Ukraine;

Visit Ukraine Legal Advice – comprehensive legal support on entry to Ukraine;

Visit Ukraine Tickets – bus and train tickets to/from Ukraine;

Visit Ukraine Tours – the largest online database of tours to Ukraine for every taste;

Visit Ukraine Hotels – hotels for a comfortable stay in Ukraine;

Visit Ukraine Merch – patriotic clothing and accessories with worldwide delivery.

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