Property insurance

A classic insurance, which compensates damages resulting from the loss of real property and other property caused by the following risks: fire, system and network breakdown, natural disasters and illegitimate actions.

AAS Baltijas Apdrošināšanas Nams offers its customers to conclude a standard contract within 15 minutes provided you insure your property at its market value.

We also insure exclusive property by elaborating an individual offer for a particular case.

Risks:

Fire:

Fire, stroke of lightning, explosion connected with the exploitation of the object, fall of a manned aircraft, its parts or cargo.

Water:

Water leakage from internal water-pipe, sewage, heating or fire alarm system (or its parts, including faucets).

Storm:

Damage to an object if caused by wind at a speed over 17.2 m/s, hurricane, hail, fallen trees or other objects due to the storm, water leakage through a roof damaged by the storm.

Floods:

Damages to an object if caused by floods or liquid penetrating into the building from outside as a result of storm, ground waters, permanent or temporary water basin or high water.

Theft:

Illegitimate transfer of possession or utilization to another person as a result of theft in the case of illegitimate entrance into insurance location or robbery, as well as in the case of destroying or damaging the insured object as a result of the aforementioned activities.

Vandalism:

Damages caused by malicious actions by the third persons (ie. Collision by a vehicle or an explosion).

• Businessmen can obtain both property insurance and business interruption insurance.

In order to purchase a policy:

• You should visit AAS Baltijas Apdrošināšanas Nams office or branch office or address any our company’s insurance consultant;
• You should submit title-deeds of real property;
• You should prepare a list of movable property;
• You should organize the inspection of the insurance object.

For additional information call 7080408.

Price of a policy:

The amount of the insurance payment depends on:

• Value of the building;
• Construction material of the building (stone, wood);
• Exploitation of the building;
• Technical condition of the building;
• Alarm system installed in the building;
• Location of the building and other factors;
• Selected self risk - the extent of losses you will cover yourself.

Insurance indemnity:

In order to obtain insurance indemnity:

• You should report the insurance case to the competent institutions (fire service, police, building manager) immediately, as well as take all possible measures in order to reduce further damages;
• You should refer to AAS Baltijas Apdrošināšanas Nams;
• You should present a policy and a title-deed;
• You should fill in indemnity application form;
• You should negotiate the inspection of the damaged object;
• You should submit a document proving insurance case (for instance, fire or inundation act).

Calculate yourself!

• If you wish to calculate the insurance value of your property, use the calculator LLL

• If you wish to find out the price of the complex insurance policy, use the calculator LLL