Real Estate Insurance

Home insurance (apartment, villa)

Home insurance (apartment, villa)

Home insurance is not a fixed product, each contract is discussed individually and the price of the insurance premium is set depending on the risks covered, the value of the property, the insured objects (fixed assets, finishing elements, movable property, etc.). But on the Moldovan market there are two products most frequently requested by customers:
a. Real estate insurance for mortgage credit, the beneficiary being the creditor, this type of insurance has minimal coverage and ensures the integrity of the insured object without goods and finishing materials. The insurance premium is on average from 0.05% to 0.30% of the value of the property;

b. Complex insurance of housing and property:

Protects buildings (in their entirety, including installations that ensure its functionality) and goods (furniture, fixed assets / inventory items, equipment, machinery, installations, raw materials, stocks, etc.).

Object of insurance / "What is insured?"

Buildings and other constructions: apartments in blocks of flats, residential buildings, as well as their annexes;

Electrical, thermal, lifting, sanitary installations and equipment, machinery, equipment, furniture. This category of goods includes: aggregates, installations, machines and equipment used for productive, commercial activity, measuring and control devices, means of transport and storage, the content and endowment of company headquarters;

Other goods (fixed assets, inventory items, stocks of materials and finished materials / products).