Ukrainians began to insure their own housing twice as much. Why and from what are apartments protected?
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Insurers reported an increase in demand for real estate insurance. Over the past few months, sales of insurance policies have increased by 2.5 times, and the number of relevant requests – by 3-4 times.
The main reason for the increase in demand for housing insurance is the effort of Ukrainians to protect their property from shelling, the insurance company “INGO” notes.
“If the majority of insurance companies around the world include war risks in the list of exclusions and force majeure, then we cover such risks and pay compensation to victims of air attacks,” said Mykola Matyka, retail business director of “INGO”.
– “Even last year we created special electronic insurance policy, which, unfortunately, is becoming more and more popular due to constant shelling by the Russians. You can buy it online in a few minutes.”
He noted that for the insured, the company compensates for losses that occurred not only due to the impact of missiles or drones or other lethal weapons, but also due to the fall of their fragments or objects. The policy also covers standard risks, such as fire, flooding, natural disasters, gas explosion, theft or other illegal actions.
“Before the start of a full-scale war, the greatest danger for apartments was flooding, for which we carried out 90% of all insurance payments. However, today we receive the most requests specifically for protection against war,” Mykola Matyka emphasized.
According to the expert, the insurance payment under the home insurance policy can be obtained in case of damage to the real estate itself, as well as to furniture, appliances, decoration, communications, etc.
Damages are calculated according to the real value of the property without taking into account wear and tear. If the damage is minor, the settlement process will be carried out under a simplified system. This means that you only need to provide a minimum package of documents to receive the payment.
The company notes that all processes have been worked out for a long time and payments are made as quickly as possible. Specialists carry out an inspection of the damage within 1-2 days, which allows you to start cleaning and restoring the home almost immediately.
The calculation of the cost of repairs is carried out within 2-3 days. And the insurance payment itself takes place within 10 days.
You can insure apartments and private houses (both owned and rented) for a period from 1 month to 1 year. No ownership document is required to issue a policy. It may be needed only to receive compensation in the event of an insured event.
It is also not necessary to undergo a preliminary inspection of the home, and the process of issuing an insurance policy takes place online and takes a few minutes. There are certain restrictions in the insurance contract. For example, real estate located in areas close to the contact line is not accepted for insurance.
The cost of insurance depends on the insurance coverage, that is, the maximum amount for which the property will be protected. Its simplest option provides an opportunity to receive damages in the amount of UAH 250,000, and such insurance costs approximately the same as Autocivilka (from UAH 2,235 per year).
Earlier, the insurance company reported on new car insurance policieswhich allow you to receive compensation for damage caused by shelling.
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