Why is now the ideal time to insure real estate in Ukraine?

Property insurance in Ukraine during wartime is not a luxury, but a guarantee of your confidence in an unstable situation. Find out what threats to property in Ukraine exist in 2025, what apartment insurance covers during wartime, and how you can insure your home in just a few steps

Insurance of real estate against damage, destruction and theft

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In the context of a full-scale war, when daily news reports are filled with stories of destruction and damage to homes, the issue of property security has become extremely relevant. Many Ukrainians, especially those who live relatively far from the front line, still consider property insurance unnecessary or too expensive. However, the reality of 2025 proves the opposite: property insurance in Ukraine is not a luxury, but a sensible and affordable necessity that provides a sense of security and financial stability.

Real estate in Ukraine in 2025: what threats exist

The risks to housing in Ukraine today are much greater than before and are not limited to military action. Every apartment or house is under constant threat that can come from anywhere.

Shelling, explosions, fires: real risks to housing

Despite the distance from active combat operations, the threat of rocket attacks, falling debris from drones or explosions that can cause fires is real for every city. Residents of Kyiv, Lviv, Vinnytsia and other peaceful cities have seen entire buildings destroyed and apartments destroyed in a matter of seconds, which took years to build. Even minor damage from a blast wave can cost thousands of hryvnia in repairs after the ‘arrivals,’ not to mention the complete destruction of property.

Natural disasters and fires – due to climate change

Ukraine is increasingly feeling the effects of global climate change. Abnormal heat, heavy rains, strong gusts of wind and floods have become commonplace. They can lead to fires, flooding, and the destruction of roofs and facades of buildings, which in turn causes significant damage to both the building itself and the property inside.

Leaving your flat for the summer? We will tell you how to insure your flat in just a few steps.

Flooding or other damage caused by neighbours

Even if you live in a relatively quiet area, threats can come from inside your home. Renovations at your neighbours' or a malfunctioning washing machine that leads to flooding in your apartment are common household risks that no one is immune to. In the latter case, in addition to your own repairs, you will have to compensate your downstairs neighbours for the damage caused.

Theft or other risks from third parties

Unfortunately, an increase in theft and vandalism is also a consequence of the unstable situation. Insured property allows you to feel more secure, because in the event of theft or damage to property by third parties, you will receive financial compensation to help you recover your losses.

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Home insurance is not a luxury, but a safety net

Property insurance in Ukraine is an affordable tool that turns uncertainty into confidence. It is not just a document, but financial protection that guarantees the restoration of your home and property in the event of unforeseen circumstances.

What does home insurance cover?

Modern insurance policies cover a wide range of risks that may happen to your property.

What risks does a standard insurance policy cover?

– natural disasters (lightning strikes, fires caused by lightning, storms, hurricanes, etc.);

– domestic incidents (fire, gas leaks, smoke, flooding, etc.);

– unlawful acts by malicious persons (damage to property, theft, robbery, etc.).

What risks are covered by an insurance policy with military coverage?

– missile strikes;

– strikes by UAVs and drones;

– explosions of ammunition and mines;

– damage caused by terrorist acts.

Why has insurance become particularly relevant right now?

The war has significantly increased the likelihood of unpredictable situations. When the economic situation in the country is unstable, the loss of a home or the need for expensive repairs can be a real financial disaster. Home insurance during wartime is a kind of safety net that allows you to avoid significant financial losses.

That is why it is so important to think about insurance now. Especially when you can take out a policy quickly and easily. For example, through the Visit Ukraine service, which offers express property insurance. This service was created so that every Ukrainian, wherever they are, can insure their home in a matter of minutes – no lengthy procedures or paperwork are required. You can find out more and calculate the cost by following the link on the Visit Ukraine website.

How to quickly insure real estate: step-by-step instructions

The process of taking out real estate insurance has been made as simple as possible. Thanks to Visit Ukraine, you no longer need to visit insurance companies or collect piles of paperwork.

What documents are required to insure real estate?

To insure real estate online, you will need a minimum set of documents:

– passport or other identity document;

– tax identification number.

Online registration via Visit Ukraine

The fastest and easiest way to insure your apartment online is to use the Visit Ukraine service. The process takes just a few steps:

1. Select the insurance amount and the policy start date.

2. Fill in the form with details of the property (address) 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 and conditions of the contract and confirm the registration (using a special code that will be sent to your email address).

4. Pay for the insurance in a convenient way.

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

Don't put off the safety of your home until later. Go to the Visit Ukraine service right now to insure your property in just 5 minutes. You don't need to visit any offices or fill out any paperwork. Protect your property from unforeseen risks and get the peace of mind you deserve.

Cost, coverage and compensation: what you need to know

Understanding exactly what you get when you take out a policy is a key step. Express home insurance is fast, but it provides reliable protection.

How much does home insurance cost in Ukraine?

*Prices are per year (EUR) / one day (UAH)

How much compensation can you expect?

The amount of compensation depends on the selected insurance amount (limit). It can vary from hundreds of thousands to millions of hryvnias, depending on the value of your property and the selected policy. This allows you to cover both partial damage and complete destruction.

In what cases are payments not made?

Although property insurance policies in Ukraine cover many risks, there are exceptions. These usually include:

– intentional damage to property by the owner;

– losses caused by repairs or alterations carried out without permission;

– damage due to wear and tear, rot, corrosion, etc.

It is important to read the terms and conditions of the contract carefully to know what risks your specific policy covers. However, even with these exceptions, insurance remains the best tool for protecting your property in today's world.

Reminder! Earlier, we discussed whether it is possible to buy an apartment in a new building and insure it immediately.

Photo: Freepik

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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;

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