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Mini is an uncomplicated and cheap insurance package for an apartment owner that can be signed very easily. This insurance covers four most common losses that can happen to an ordinary apartment.
- Fire. Losses caused by fire, soot and smoke, lightning, explosion or plane crash are compensated for.
- Water. Water damage can be caused by bursting pipes, household appliances connected to water network, a tap that was forgotten open out of negligence or water having flown out of an aquarium.
- Natural disaster. Losses caused by storm, hail, ridged ice or natural flood are compensated for.
- Vandalism. Losses caused by third parties, breaking of window glasses etc. are compensated for.
You can calculate the price of the package easily by yourself: insurance of one square metre costs 1,4 EEK in a month. For example when insuring an apartment of 60 m2 your monthly payment is 84 EEK.
If you wish, you can choose in addition:
- insurance of home contents against losses caused by fire, water accident and natural disasters. The monthly payment for the package rises by 16 EEK;
- insurance of home contents against the losses listed above plus burglary. The monthly payment for the package rises by 21 EEK;
- liability insurance, that compensates for the losses caused to neighbours as a result of an accident that happened in your apartment. The monthly payment for the package rises by 21 EEK.
The deductible defined in the package is 3000 EEK and the package can be signed only for an apartment located in a stone house and which is permanently lived in. In case of additional options the home contents are insured and liability insurance compensates for a loss to the amount of 100 000 EEK.
In terms of the Mini package of ERGO home insurance an insurance event is defined as an unexpected and unforeseeable event which is exactly determined in the insurance conditions. In case an occurrence does not correspond to this, it is not an insurance event.
ERGO Mini package is also taken into account by banks, should you wish to take a loan to buy or renovate your home.
ERGO Mini is suitable for an apartment owner who wishes an uncomplicated insurance satisfying his basic needs.
Calculate your home insurance price here
Ask here for a personal offer
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