How does property insurance work during wartime?

Insurance during wartime is not just a formality, but a real tool for protecting your property. Even in uncertain times, you can protect yourself from unexpected expenses. Learn more about property insurance during wartime

Apartment insurance against damage, destruction and theft

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Since the start of the full-scale invasion of Ukraine, tens of thousands of properties have been damaged or destroyed, including houses, apartments and commercial real estate. For many Ukrainians, insurance has become the only way to protect their property financially. However, special rules apply in wartime: not all property can be insured, and not all risks are covered.

Are you concerned about your real estate? Select a reliable policy on the Visit Ukraine portal.

Can property be insured during wartime?

Yes, property insurance is possible even during wartime, but with a number of restrictions. The main one is territorial restrictions. Insurance companies generally do not operate in areas of active combat and do not accept applications from frontline regions. Insurance is most accessible in central and western regions, where risks are minimal.

Despite the martial law, insurance companies continue to operate. Policy terms have been adapted to the current situation and are now divided into standard and extended policies. Some cover only basic risks, while others cover losses from military operations. It is very important to carefully read the policy to understand exactly what risks are covered.

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What risks does the insurance policy cover?

On Visit Ukraine, you can take out express apartment insurance — a standard policy. Important: this policy does not cover damage from military action.

Apartment insurance, which can be taken out on the Visit Ukraine website, includes compensation for damage to:

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

▪️ Engineering communications;

▪️ Interior decoration of the premises;

▪️ Furniture and household appliances;

▪️ Interior items.

Compensation for damages is paid if the property has been damaged as a result of insured events. Such events include:

▪️ Natural phenomena (lightning strike, storm, hurricane, etc.);

▪️ Household accidents (fire, smoke, flooding, etc.);

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

Some insurance policies include additional options, including damage caused by military action. However, such policies are issued separately and only in certain safe regions. The terms and conditions must be clarified when applying.

For more reliable protection, extended policies are available:

❗️ Express home insurance + military risks

❗️ Express apartment insurance + military risks

This is the best choice for those who want to be confident about tomorrow.

How to get property insurance online at Visit Ukraine?

Visit Ukraine is a trusted service partner offering a quick and convenient way to insure your property online.

What you get:

1. Registration in 3–5 minutes

2. Simple form and clear terms and conditions

3. Choice of package: apartment or house, basic or extended risks

4. An official insurance policy with legal force

The process is completely digital — you don't need to visit an office or fill out complicated documents.

What to do in case of property damage: step-by-step instructions

🔻 Document the damage with photos or videos. This will serve as evidence when contacting the insurance company.

🔻 Notify the insurance company. You can contact them by phone or via an online form.

🔻 Gather the necessary documents. These include the policy, ownership documents and, if available, inspection reports.

🔻 Wait for the assessment or decision on payment. The insurance company will assess the damage and make a decision.

Insurance during wartime is not just a formality, but a real tool for protecting your property. Even in uncertain times, you can protect yourself from unexpected expenses. And with Visit Ukraine, it's easy and reliable.

Take out property insurance right now at Visit Ukraine — ensure your financial protection and peace of mind!

Reminder! Property valuation for insurance is an important step in protecting your property from potential financial losses in the event of an accident. A correct property valuation guarantees that the insurance company will pay you the compensation you need. Learn more about the key factors that affect the valuation and how to choose the right insurance amount for your property.

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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