The insurance policy is designed for the complex servicing of interests of individuals, with provision of insurance protection for:
1. Residential real estate - (apartment, house or floor of a house), other buildings located at the same address (if agreed in writing). In case of buildings with common areas, the owner's share in such areas will be included in accordance with the ownership deed.
2. Moveable property inside the residential unit.
3. A solar installation for generation of hot water or electricity, installed on the roof where the insured residential unit is located and intended for the Insured's own use.
4. The liabilities arising from the insured property.
5. Personal accident of a family/household member.
6. Public liability for damage caused by pets or pet accident.
The sum insured of the real estate is formed on the basis of the replacement value per square meter depending on the location.
ZEAD BULSTRAD VIENNA INSURANCE GROUP offers the opportunity to combine a wide range of risks in order to ensure optimal coverage for the Insured’s real estate and the contents therein:
Clause A: Fire and other perils
This clause covers the following risks:
- consequences of fire extinguishing, no matter if the damage is due to fire extinguishing at the insured premises or at neighboring ones;
- lightning strike;
- natural perils: storm, hurricane, hail, torrential rain, including damage due to falling trees and branches as a result of natural perils;
- subsidence or landslide;
- weight of natural accumulation of snow or ice;
- water damage due to failure of water supply, sewerage, heating or steam installations (incl. due to water taps left open);
- malicious acts of third parties, vandalism;
- impact by motor vehicles or crewed aircraft, components or cargo falling therefrom;
- supersonic boom;
- additional expenses for eliminating the consequences of an insured event, up to 2% of the total sum insured for the insured property, but not more than BGN 10,000 (ten thousand).
- additional expenses incurred by the Insured for uncovering and covering back built-in installations in the event of “Water damage due to failure in plumbing, sewerage, heating and steam installations” will be covered with a limit of up to BGN 500 during the insurance period.
Clause B: Flood
- Underground waters;
Clause C: Earthquake
Clause D: Burglary, Theft by technical device and Robbery
Clause E: Public Liability
Clause F: Rental of alternative lodging
Clause G: Personal accident of member of family/household
Clause I: Loss of rent
Clause J: Short circuit and current rush of electrical mains and/or appliances
Clause М: Damages due to attempted burglary or robbery
Clause N: Other expenses
- Locksmith expenses with limits of BGN 150
- Expenses for document replacement with limits of BGN 150
Clause O: Public liability for damage caused by pets and pet accident
No deductible is applied with the insurance.
The annual insurance premium can be paid in full or in four equal deferred installments without a surcharge to the offered insurance premium.
Taking out insurance is made as simple as possible, without answering a questionnaire and without prior inspection.