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Subject of the insurance:

The real estate, described in the policy, located at the territory of Republic of Bulgaria, including the housing:

apartment, detached house or part of it;
movable property, located in the housing – general furniture, personal and other belongings used by the household, household appliances, audio-visual and electronic equipment, farm property.

fire, including the consequences of its extinguishing, explosion, lightning, impact by a plane or other aircraft, or by objects, falling from them;
natural disasters, like storm, hurricane, hail, flooding, falling trees and branches;
land sliding or collapsing of earth;
weight caused natural weight of snow and ice;
watering as a result of Water and Sewage system malfunctioning;
malicious actions by third parties (vandalism);
impact by a vehicle or animal;
expenses, related to cleaning of debris, dismantling or demolition, fencing or strengthening, fees for architects and/or experts;

Earthquake
Theft through braking and/or technical equipment, robbery
Third-party liability vehicle insurance – covers the liability of the Insured individual for material and moral damages caused to third persons through an occurred event, included in the covered risks of the concluded insures, for which the insured person is liable as per the Bulgarian legislation.
Rent for alternative accommodation – when required, for the owner in a housing with similar accommodation facilities, in case that the owner’s housing is unfit for habitation as a result of an event, covered by the Basic cover. The coverage is valid only for the period while the housing is going to be restored.
Breakage of the glass of: windows, doors, shop windows.
Accident with a family/household member – The insurer will indemnify the Insured person and the members of his/her family (household) for permanent disability or death as a result of accident up to the general insurance sum stated in the insurance policy.

Depending on the way the insurance sum is determined, two insurance policies types can be differentiated;

Limited or the so called, under the condition of “First risk”. The Insured person determines limits for which his/her property to be insured. In case of the occurrence of insurance event, the Insurer pays the indemnity to the full amount of the damage but not exceeding the insurance sum, stated in the policy. After the payment of the insurance indemnity, the insurance amount is reduced by the amount of the indemnity paid.
Based on the real property value, determination of each item separately.

– as per the actual and enforced tariff of the insurer. Can be paid once or on deferred bases.

– one year.