Die 5 häufigsten Risiken für Immobilien: Wie sind sie durch Versicherungen abgedeckt?

In der heutigen Zeit wird das Thema Schutz des eigenen Zuhauses für Ukrainer immer wichtiger. Die Immobilienversicherung ist eine zuverlässige Möglichkeit, Ihre finanziellen Interessen vor einer Vielzahl von Risiken zu schützen, die von häuslichen Problemen bis zu den Folgen von Feindseligkeiten reichen. Erfahren Sie mehr über die häufigsten Risiken für Ihr Eigentum und wie Sie die richtige Versicherungspolice auswählen.

Haus- und Immobilienversicherung gegen Schäden, Zerstörung und Diebstahl

KAUFEN

Owning a home is one of the most valuable investments in a person's life. However, various unforeseen situations can cause serious damage to real estate and lead to significant financial losses. This issue has become especially relevant for Ukrainians in today's environment.

The loss or damage of a home can be a serious blow to the financial stability of a family, so it is important to take care of protecting your property in advance.

We will tell you how to protect your property from the most common risks in this article.

Why has property insurance become a vital necessity?

Property insurance is not just a formality, but an important step towards protecting your property and financial stability. In the context of the war in Ukraine, this issue has become particularly relevant, as in addition to the usual household risks, additional threats to housing have emerged.

An insurance policy allows you not only to keep calm but also to receive real financial compensation in the event of an insured event.

It's important to understand that insurance is not an additional expense, but a smart investment in your own peace of mind. Instead of accumulating large sums of money to cover unforeseen events, you can pay a small premium once a year. This allows you to be sure that even in the event of serious damage to your home, you will receive funds to restore it.

How does property insurance work in Ukraine: answers to the most common questions can be found here.

Top 5 risks that real estate insurance protects against

- Natural disasters: from floods to hurricanes, nature can be unpredictable. Insurance covers damage caused by various natural disasters, providing financial protection for your property.

- Fires and smoke: even a small fire can have serious consequences. The insurance company will indemnify you not only for losses caused by the fire itself, but also for related factors, such as smoke or firefighters' actions.

- Man-made accidents: burst pipes, gas leaks or other utility problems can seriously damage your home. The insurance covers repairs and restoration after such incidents.

- Unlawful acts of third parties: from theft to vandalism, the insurance policy protects against losses caused by criminal acts.

- War risks: in today's realities, coverage that provides compensation in case of damage to housing as a result of hostilities is especially important.

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Property insurance from Visit Ukraine: comprehensive protection of your home

Visit Ukraine offers special insurance products that take into account all the current risks for Ukrainian housing. Three insurance options are available.

- Express apartment insurance (basic). It provides protection against natural disasters, coverage of losses from illegal acts, insurance against household risks and liability to neighbours. This is the best solution for calm regions.

- Express apartment insurance + war risks. Includes all the benefits of the basic package and additional coverage for war risks. This includes indemnity for damage caused by missiles and drones, compensation for the destruction of windows and balconies, and protection against the effects of explosions.

- Express home insurance + war risks. Provides full protection for a private house, including insurance of outbuildings and outbuildings, war risks coverage, extended insurance territory and additional protection options.

Important! When taking out an insurance policy, you should understand how the sum insured is distributed in the event of an insured event.

For private houses:

- 70% of the sum insured is allocated to compensate for damage to structural elements;

- 20% is allocated for the restoration of finishing;

- 10% is provided for compensation for damaged property inside the house (furniture, appliances, personal belongings);

- 25 thousand to 2 million hryvnias to compensate third parties (depending on the package chosen).

For apartments:

- 70% of the sum insured is allocated to compensate for damage to structural elements;

- 30% is allocated to compensate for damaged property and interior decoration;

- from UAH 25 thousand to UAH 2 million for compensation of losses to third parties (depending on the chosen package).

You can find out whether it is possible to insure real estate if its owner is abroad here.

How to take out real estate insurance quickly: step-by-step instructions

1. Choose an insurance product. Go to the Visit Ukraine website, select the appropriate type of insurance and read the terms and conditions.

2. Setting up the parameters. Specify the desired sum insured, choose your region of residence and set the policy start date.

3. Filling in the data. Enter the information about the property, specify personal data and check the correctness of filling.

4. Confirmation and payment. Agree to the terms of the contract, confirm the registration through the code and choose a convenient payment method - bank card (Visa/Mastercard), Apple Pay, Google Pay, American Express or payment in instalments.

5. Receiving the policy. Check your email, save the documents and activate the policy.

Don't put off protecting your property for later - take out property insurance on Visit Ukraine from just €40 per year. This is a smart investment in your peace of mind and confidence in the future.

Protect your home now so that you don't regret lost opportunities!

Just a reminder. In today's world, circumstances often arise when owners are forced to leave their apartment for a long time. However, leaving your home without proper protection means exposing your property to significant risks. Read here how to prepare your apartment for a long absence and ensure reliable insurance coverage.

Photo: Freepik

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