Combien pouvez-vous assurer un appartement et une maison en Ukraine ?

De plus en plus de personnes s'intéressent à l'assurance habitation en Ukraine, surtout en temps de guerre, lorsque les événements imprévus deviennent plus fréquents. Découvrez à quoi vous attendre lors de l'assurance d'une maison ou d'un appartement en Ukraine et comment le faire en ligne sur le portail Visiter l'Ukraine

Assurance appartement contre les dommages, la destruction et le vol

OBTENIR

Real estate insurance is becoming increasingly important in Ukraine, especially in view of war risks. Many people need home insurance against fire, flooding or intruders, and in today's realities, also against war risks. Home insurance at Visit Ukraine will help to compensate for these losses. It should be borne in mind that the cost of home insurance depends on many factors, such as the location of the property, property valuation, market and replacement value, etc. We have collected all the necessary details on the insurance amounts for real estate in this article.

How is the insurance amount for an apartment and a house determined?

Determining the amount of insurance for an apartment or house is a complex procedure that takes into account a number of factors. Insurance companies seek to objectively assess the value of the property to ensure adequate compensation in the event of an insured event.

First of all, they take into account the market value of the property, i.e. its current price on the market, which depends on its location, area, condition and other characteristics. At the same time, it is important to determine the replacement cost, which is the amount required to restore the property to its original condition after damage, including the cost of construction materials and work.

The age of the building and the type of construction also affect the valuation, as older buildings or buildings with certain types of construction may be at a higher risk of damage. The location of the property also plays an important role, as properties located in areas with a high risk of natural disasters or increased criminal activity may have a higher sum insured. The area of the facility directly affects the cost of restoration, and the level of deterioration of structures and communications increases the risk of damage and the cost of restoration work.

In addition, the cost of repairs required to restore the facility in the event of damage is taken into account. Insurance companies may use both market and replacement values to determine the sum insured, engage independent appraisers or use specialised computer programmes that take into account all of the above factors.

Please note! If you apply for express insurance on the Visit Ukraine portal, you choose the amount of insurance for your property.

How much can I insure my apartment for?

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

Don't want to miss important updates and useful articles? Subscribe to our weekly newsletter!

How much insurance is usually required for an apartment and a house?

The cost of your insurance policy is adjusted according to the selected sum insured (from 125,000 to 2,000,000).

You can choose your insurance policy according to your needs. Here are some tips to help you choose the best option:

1. Analyse the potential risks - choose a policy with or without war risk coverage, taking into account the situation in your region.

2. Estimate the value of the property: the higher the valuation, the higher the price of the policy, so it is advisable to choose your own limit.

Instructions on how to take out real estate insurance

1. Select the sum insured and the policy start date.

2. Fill in the form with data on the property (address) and the person insuring the property (name, date of birth, passport details, TIN, contact phone number and e-mail).

3. Agree to the terms and conditions of the contract and confirm the registration (via a special code that will be sent to your e-mail).

4. Pay for the insurance in a convenient way.

5. Receive a ready-made apartment insurance policy to the specified e-mail.

Detailed instructions on how to receive compensation for damage to the insured property can be found here.

Benefits of taking out insurance with Visit Ukraine

1. Speed and affordability - the price is calculated instantly, and you only need your passport and TIN to apply.

2. Optimal price and convenient payment methods - you can use a card of any bank.

3. Security - you can immediately receive the policy to the specified e-mail.

4. A wide range of prices and services - you can choose the optimal amount from UAH 125 thousand to UAH 2 million to insure your own or rented apartment.

5. Support of specialists - the service is available around the clock.

6. Compensation for the most common risks (including war risks).

7. Additional services - reimbursement of expenses to third parties affected by unintentional actions.

Just a reminder. Earlier, we told you in which cases you may be denied payments in case of property damage.

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.