Home Property and Accident
Who is it designed for
This insurance is designed for movable and immovable property of private individuals. It shall also cover the risk of accident of the Insurant and the members of his/her family.
Insurance cover
Section Property:
Clause “A”:
- fire, including the consequences of its extinguishing, arson, explosion, implosion, stroke of lightning, crush and/or fall down of piloted air-craft, its parts and/or cargo;
- natural calamities: storm, hail, torrential rain, flood;
- short circuit, electric stroke;
- soaking as a result of failure of water-main and sewage installations and taps not turned off;
- natural snow and ice heaping;
- vandalism of the immovable property;
- necessary expenses.
Clause “B”:
- housebreaking and/or technical instrument;
- vandalism of the movable property.
Clause “C”:
- earthquake.
Clause “D”:
- third party liability.
Clause “E”:
- all risks to glasses.
Clause "F":
- rental costs for alternative accommodation.
Clause "G":
- costs for consumed water as a result of failure of water and sewage installations.
Section Accident:
Clause “H”:
- temporary disability as a result of an accident;
- permanent disability as a result of an accident;
- death as a result of an accident (this risk shall not be covered for children under 14 years of age).
The above listed risks shall be covered by client's request.
Sum insured
The sum insured of the insured properties under the Section Property shall be agreed with the Insurant in Bulgarian Leva (BGN) or in other currency. The sum insured could be the real cost, the recoverable amount or a liability limit. For the risk "rental costs for alternative accommodation" the liability limit for one event and for all events within the insurance period is up to BGN 15.000. For the risk "costs for consumed water" the liability limit for one event and for all events within the insurance period is up to BGN 500. For the Third Party Liability risk the liability limit for one event and for all the events within the insurance period is up to BGN 5.000. The sum insured under the Section Accident shall be agreed between the parties with a minimum limit of BGN 1.000 and a maximum limit of BGN 20.000.
Insurance premium
The insurance premium shall be calculated on the basis of the tariff of HDI Zastrahovane AD depending on the sum insured, respectively the liability limits, the risk circumstances, the chosen risks from the insurance cover and the insurance term.
Validity of the insurance cover
The insurance cover shall be valid for the policyholder and the members of his/her family.
Insurance term
The standard insurance term is one year.
