Can I insure my balcony and windows against damage from explosions and flying debris?

The situation in Ukraine remains unstable, and the frequency of rocket attacks is not decreasing. Find out if you can insure your balcony and windows against damage from explosions and flying debris, and what to do in the event of an insured incident

Apartment insurance against damage, destruction and theft

GET

Since the start of Russia's full-scale invasion, tens of thousands of Ukrainian homes have been damaged by explosions, air and missile strikes, and falling debris. One of the most vulnerable parts of a home that gets damaged in these situations is balconies, windows, and building facades. This is not surprising, as they are external structures that are the first to bear the brunt of the shock wave and debris. So, it is quite logical to ask: can these parts of a home be insured against damage caused by war?

What does property insurance cover during war

Standard property insurance available prior to the full-scale invasion did not typically cover risks related to military action, terrorist acts, military explosions, etc.

However, given the current situation, the Ukrainian insurance market has adapted, and property insurance programmes that include coverage for war risks are now available. This means that your home can be protected against damage caused by:

– explosions (direct hits from missiles, drones, artillery shells);

– falling debris (from missiles, UAVs, explosions);

– shock waves causing structural damage;

– fires caused by military operations.

It is important to note that insurance with military coverage is available online through the Visit Ukraine portal. This allows Ukrainians to obtain reliable protection for their property in a convenient way, without leaving their homes.

Subscribe to our weekly newsletter!

Why should you insure your home during wartime?

In a full-scale war, when it is impossible to predict when and where the next shell or piece of shrapnel will land, home insurance becomes not just an option, but a necessity.

Unpredictability of risks: War is a constant and unpredictable risk. Even in cities behind the front lines, there is a threat of missile strikes and falling debris, which can cause significant damage to your property.

Inefficiency of state compensation: Although the state is working on mechanisms to compensate for damaged property, the process can be lengthy and bureaucratic. Insurance payments can be a much faster and more efficient way to obtain funds for home repairs.

A real tool for self-protection: Insurance is not just a formality, it is a real tool for financial self-protection. In the event of damage to your home, insurance provides you with financial support for repairs or reconstruction, allowing you to return to normal life more quickly.

Peace of mind for yourself and your loved ones: Knowing that your home is protected against the risks of war gives you significant peace of mind. It reduces anxiety and allows you to feel more confident in unstable conditions.

Insure your home with war risk coverage online now through the Visit Ukraine portal and protect your investment and your family's peace of mind.

Photo: Freepik

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.

© 2018-2025, Visit Ukraine. Use, copying or reprinting of materials on this site is permitted only with a link (hyperlink for online publications) to Visit Ukraine.

All rights reserved.