Is it possible to insure a country house where you do not live permanently?
The demand for insurance of country houses is growing, because in the event of an unforeseen situation, the owner will not even be able to react in time. Find out how to insure a country house, what restrictions exist and how much it will cost you
Property insurance is important even if you do not live there permanently. Unforeseen events (for example, fires, flooding, theft or vandalism) can cause significant material damage to your property. The absence of permanent residence does not exclude risks, but, on the contrary, may increase them, since no one will be able to respond promptly to the problem that has arisen.
Insurance provides financial protection against such troubles, allowing you to recover damages and avoid significant financial losses. In addition, an insurance policy can cover not only direct damage to property, but also the cost of insurance, which is a reasonable and responsible step regardless of whether you live in it permanently or use it as an investment or seasonal accommodation
Is it possible to insure a country house?
You can insure a country house if it is an ordinary private house that is not temporarily occupied by residents.
What are the restrictions on house insurance?
For an insurance company to enter into an agreement 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 not covered by the insurance: cash, jewellery, documents, books, toys, paintings and other works of art.
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What risks can a house be insured against?
What are the insured events?
- 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?
- fall of missiles;
- Strikes by UAVs and drones;
- explosions of ammunition and mines;
- damage caused by terrorist acts.
Take care of your property - choose a policy on the Visit Ukraine portal.
How much does it cost to insure a country house?
The cost of your insurance policy is regulated according to the selected sum insured (from 125,000 to 2,000,000).
You can choose your insurance policy according to your needs. Pay attention to the tips that will help you choose the best option:
1. Analyse the potential risks - choose a policy with or without war risk coverage, taking into account the situation in your region.
2. Estimate the value of the property: the higher the valuation, the higher the price of the policy, so it is advisable to choose your own limit.
Why is it worth taking out holiday home insurance through Visit Ukraine?
1. Speed and affordability - the price is calculated instantly, and you only need your passport and TIN to apply.
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. Additional services - reimbursement of expenses to third parties affected by unintentional actions.
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Visit Ukraine Car Insurance – car insurance with extended coverage in Ukraine;
Visit Ukraine Legal Advice – comprehensive legal support on entry to Ukraine;
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Visit Ukraine Tours – the largest online database of tours to Ukraine for every taste;
Visit Ukraine Hotels – hotels for a comfortable stay in Ukraine;
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