How much does it cost to insure an apartment in Kyiv?

In the face of a full-scale invasion, property insurance is not a luxury, but an urgent need. Find out how to insure an apartment in Kyiv, what is the price of the policy and what factors affect it

Apartment insurance against damage, destruction and theft

BUY

Amidst the unstable economic situation and growing risks associated with military operations and natural disasters, the issue of protecting your home in Ukraine in 2025 is becoming critical. Real estate remains one of the most valuable investments, and its security is a guarantee of financial peace of mind. That is why understanding the relevance of insurance, the factors that determine its cost, and the types of insurance coverage is extremely important for every homeowner in Ukraine. This article will help you understand the key aspects of property insurance so that you can make an informed decision and ensure reliable protection of your property in today's challenging realities.

Factors affecting the cost of insurance

1. Location of the object (for certain types of insurance)

2. Type of property (apartment, private house).

3. Sum insured (value of the property to be insured).

4. Insurance risks (list of risks against which the property is insured)

5. Terms and conditions of the insurance company (each insurance company has its own tariffs and insurance conditions).

Overview of real estate insurance prices in 2025

1. Express apartment insurance + war risks - issued for 1 year

Prices range from €40 (with a sum insured of 125,000) to €399.1 (with a sum insured of UAH 2,000,000).

2. Express apartment insurance - issued for 1 year

Kyiv and Kyiv region:

Prices range from €28.9 (for the sum insured of 250,000) to €168.9 (for the sum insured of UAH 2,000,000).

Other regions:

Prices range from €26 (for the sum insured of 250,000) to €152 (for the sum insured of UAH 2,000,000).

*Per year, your peace of mind will cost from UAH 3 to 47 per day.

Types of insurance cover for apartments

‘Express apartment insurance’ focuses on standard risks such as fire, flood, theft, vandalism and natural disasters, while ‘Express apartment insurance + war risks’ extends this coverage to include losses caused by active hostilities, passive war risks and terrorist acts, which makes the latter option much more relevant in martial law, although usually more expensive due to the expanded scope of insured events.

What insured events are covered by a standard policy?

- natural disasters (lightning strike, fire, storm, hurricane, etc.)

- domestic incidents (fire, gas leakage, smoke, flooding, etc.)

- illegal actions of intruders (property damage, theft, robbery, etc.).

What insured events are covered by a policy covering war risks?

The insured events provided for in a regular policy include:

- missile fall;

- Strikes by UAVs and drones;

- explosions of ammunition and mines;

- damage caused by terrorist acts.

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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 information about the property (address) and the person insuring the property (full 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.

What are the restrictions on home insurance?

In order for an insurance company to enter into a contract with you, the property must meet a number of requirements:

1. A house that is pledged to a bank or other financial institution cannot be insured.

2. Real estate that is under repair, construction is not completed, or the building itself is in a state of disrepair is not eligible for insurance.

3. Real estate in the frontline territories where active hostilities are taking place and temporarily occupied territories (Donetsk, Luhansk, Zaporizhzhia, Kherson, Mykolaiv, Dnipro, Kharkiv, Sumy, Chernihiv regions (except for Chernihiv city, Nizhyn and Pryluky districts) and the Autonomous Republic of Crimea) is not insured.

Please note! There is a list of property that is not covered by insurance: cash, jewellery, documents, books, toys, paintings and other works of art.

Advantages of taking out insurance on Visit Ukraine

1. Speed and affordability - the price is calculated instantly, and only a passport and TIN are required for registration.

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.

Choose an insurance policy on the Visit Ukraine portal and don't worry about your real estate!