The apartment insurance
The apartment insurance
If you insure the apartment then the apartment internal walls, the partitions,
the decoration will be insured together with floor coverings, the stairs that are
inside the apartment, the windows, the glass-cases, the apartment entrance doors,
installed piping, electrical wiring, including electrical sockets, heating boilers,
designed for the apartment heating, other stationary elements of the apartment.
After the apartment is insured, it will also be covered by insurance at no
additional charge
The apartment appurtenances, which are in the same city, in the same town or in
the same village as the apartment, common premises and mechanical, electrical,
sanitary-ware and other equipment which is shared, the main house constructions,
the part which belongs to the apartment owner under the common partial ownership.
Important! Built-in furniture, aquariums, cornices will be insured selecting
the home property insurance services.
The house insurance
If you insure the house, then with the house foundation, exterior and interior
walls, the partitions, the decoration together will be insured
The roof and the gutters, the chimneys, the stairs, the windows, the glass-cases,
the doors, floor coverings, installed piping, electrical wiring, including electrical
sockets, installed fixed equipment, solar panels, heating boilers, designed for the
apartment heating and other stationary elements of the house.
This is included in the insurance cover free of charge:
Fence, gates and gate automation system, facilities installed in the area, stationary outdoor pools, playground
equipment and greenhouses up to 20 sq. m in area.
Important! Built-in furniture, aquariums, cornices will be insured selecting
the home property insurance services.
The home contents insurance
Along with clothes and household appliances the following will be covered
Furniture and fitted furniture, audiovisual equipment, lighting, aquariums, cornices,
dishes, bedding, sports and recreation equipment, tools for gardening or environment
maintenance, and other household items.
The civil liability insurance
Civil liability insurance
In case of the civil liability insurance of the homeowner, the damages which are
caused by the operation of housing will be rewarded to neighbours (for example, if
the pipe cracked and the apartment of the neighbours would be flooded) or to the
passers-by (for example, the window hit the wall because of draught and the falling
broken glass injured a passer-by ).
Your selected insurance amount shall apply for the property within your housing, e. g., EUR 15 000.00, however,
for certain home property groups, the following insurance amounts shall be applicable:
| Name of home contents group |
Sum insured |
| Works of art, valuables & antiquities |
Up to 25% of the sum insured for home contents |
| Home contents in auxiliary & ancillary structures |
Up to 25% of the sum insured for home contents |
| Cash kept in the insured residential building/flat |
Up to EUR 500 |
| Home contents in the territory of the land plot; beyond the limits of the place of insurance, within
the territory of the Republic of Lithuania. |
Up to 5% of the sum insured for home contents |
Deductible is the amount that you are obliged to cover upon occurrence of an insured event.
No deductible is applied:
- In civil liability insurance;
- and In case of lock replacement insurance.
If the two offreckonings may be applied for a single event, when the insurance benefit is paid, only one - higher - offreckoning is applied;
