• Home insurance provides cover for the building, home property and cases where you have caused damages to other people (e.g. your neighbours).
• In the case of an insured event involving your home, you will be reimbursed for costs related to restoring your home.
• In the case of an insured event involving home property, you will be reimbursed for the repair costs or the costs of repurchasing.
• If you or one of your family members has cause damages to a third party (e.g. your neighbour), the resulting property damage or personal injury will be compensated.
• When insuring a residential housing without a housing loan agreement, the premiums without increase in their amount shall be paid at intervals convenient for you: 1, 2, 4 or 12 times a year.

The apartment insurance

Apart from the internal walls, partitions and finishing, the insurance will also cover

Interior finishing, floors, stairs in the apartment, windows, showcases, entrance doors, equipped bathroom and WC, electrical installation, lighting equipment, stationary equipment, heating boilers aimed for apartment heating, underground communications, and other stationary elements in the apartment.

The apartment insurance will automatically cover any premises outside the apartment, such as: the basement, storage facilities (including the yard basement); the garage/car parking lot, located in the same city, town or village.

The insurance of a cottage or apartment with its own private yard will, without any additional fee, cover individual constructions such as the fence (including the gate and the gate mechanisms), the lighting of the land parcel, the facilities of the playground (including a playground house), the flag holder, the enclosures for dogs and the pool.

Additional value: the insurance will also cover the built-in kitchen furniture (except the kitchen electronic equipment).

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.

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:

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 ).

If the home insurance agreement covers the building, the movable property within the building and the civil liability, the civil liability insurance coverage will be valid throughout the territory of Lithuania.

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;

• Uninsured event of Home insurance here
• The Rules of Home insurance Lithuanian language here
• Prior to the Rules of Home insurance here

1. You will find useful advice on premium calculation here);
2. Conclude an agreement in just a few minutes;
3. The insurance policy, updated on an annual basis, may be sent to you via the online banking system, or via email, or by post at your discretion.

When the accident occurs we ask to report it as soon as possible to the “Swedbank“ customer service staff:

• Report a damage online
• The notification form about the damage to property insurance

When we receive your report we will advise you how to proceed and act.

If your property has been damaged or you have caused damage to a third party, report immediately:

• to the police, if your property has been stolen, taken away from you during the robbery or it has been damaged due to illegal activities of the third parties;
• to the emergency centre by phone number 112, if the fire occurred in your dwelling or the explosion occurred;
• to the emergency plumbing service, if in case of the water supply accident you cannot turn off the water supply.

It is important to know! Prior to repair works it is necessary to match their estimate with our expert.

Loss estimation

Our representatives will come and inspect the damaged property at a time most convenient for you. In order to accurately estimate the loss, they may need additional documents (police certificates, property documents, etc.). Our representatives can also help you to fill in the notification form about the event.

Damage compensation

If the damaged property is recoverable, the depreciation is not taken into account while calculating the amount of the losses.

The insurance indemnity will be paid out to the person specified by the beneficiary.