Home insurance

Buy a policy

Submit a claim

Coverage suitable for bank requirements with a 20% discount

Fire, water, natural perils and theft risks are included in all policies

Furniture, electronics or other property? That can also be insured.

With a BAN policy — peace of mind in every home!

Have your neighbours flooded you?

Don’t worry — we will pay for the repairs!
Burglars broke into your property?

Call us — we will help.
Has your washing machine flooded the bathroom?

We will compensate the loss.
Hail damaged your home’s facade?

This risk is also included in your policy.
A storm caused a tree to fall onto your roof?

Good thing you have property insurance!

Some of our advantages

Rent costs after an insured event

If, after an insured event (for example, a fire), the property is damaged and cannot be lived in, we will cover the rent for temporary accommodation.
Repair of utility systems

We will compensate not only water damage to the home, but also the repair of the burst pipe. For private house owners, we will also pay for the repair costs of external power lines and external pipelines.
Hobs, aquariums, and drinking-water systems — these are insured too!

If, because of an insured risk included in the policy, a hob, a drinking-water system or an aquarium is damaged, we will cover the loss.
Landscaping and greenery

Have an insured event or vandalism damaged your fence, driveway gates, pool, plantings, thuja trees or lawn? Don’t worry — we will indemnify the loss, and with a reduced deductible!
Property outside the insured address — with no deductible!

Bicycles, scooters, skis, prams, cameras and other items used outside the home. We will indemnify the loss if such items are stolen or damaged outside your home and you have included this risk in the policy.

What property can be insured?

An apartment

A private house

A rented dwelling

Building structures

Walls, roof, windows, doors, interior finishes, and exterior finishes.
Utility systems

Electrical wiring, plumbing, sewage, and ventilation systems.
Household contents

Furniture, electronics, household appliances, as well as property that can be used outside the home.
Landscaping

Fences, gates, yard surfacing, trees, and plantings.
Third-party (civil) liability

This cover will protect you against financial losses that you or your family members may unintentionally cause to someone else. Cover applies throughout the territory of the Republic of Latvia.

What does the policy cover?

Standard cover

Extended cover

Fire risk
- We will indemnify losses for damage to the home resulting from fire, including cases where the fire was caused by a lightning strike, a gas explosion or expansion of steam.
Water risk
- We will indemnify losses to the home resulting from liquid leakage from pipelines, the sewage system, or where pipes burst in the home due to frost. We will also indemnify losses if your home is flooded while a fire is being extinguished in a neighbouring apartment.
Natural perils
- We will indemnify losses caused to your home by hail, flooding, storm and trees and branches falling during a storm, as well as damage to the roof caused by heavy snowfall.
Acts of third parties
- We will indemnify losses if your property is damaged or destroyed because of the malicious acts of third parties — for example, if vandals have spray-painted your home’s wall. We will reimburse costs if burglars break into the apartment, damage furniture and steal your belongings, as well as if someone causes damage to your home with their vehicle.
Repair of utility systems
- Internal utility systems:
  We will also reimburse the repair of a burst pipeline and the damage to the home caused by it.
  No deductible, limit EUR 500.
  
  External utility systems:
  We will cover the repair costs of damaged external utilities — pipelines and power lines branching from your home to the main connection point.
  Deductible EUR 50, limit EUR 1,000.
Replacement of exterior door lock
- Expenses to restore or replace (with an equivalent lock) an exterior door lock damaged or destroyed as a result of unlawful acts of third parties will be reimbursed.
  No deductible, limit EUR 150.
Insurance of hobs, aquariums, and drinking-water systems
- We will indemnify losses for damage to the hob, aquarium, and drinking-water system.
  No deductible, limit EUR 500.
Insurance of indoor plants
- We will indemnify losses for damage to perennial indoor plants, for example a rubber plant or a palm.
  No deductible, limit EUR 500.
Landscaping and greenery
- Landscaping:
  We will indemnify losses to fencing, gates, swimming pool, existing paving in the yard, etc.
  Deductible EUR 50, limit EUR 10,000.
  
  Greenery:
  We will indemnify losses for damage to hedges, lawn, fruit trees, etc.
  Deductible EUR 50, limit EUR 1,000.
Accidental glass breakage
- We will indemnify expenses to restore window or door glass damaged mechanically as a result of the occurrence of any of the risks specified in the policy.
  No deductible for the first claim.
Property outside the insured address
- Damage to property intended for use outside the home, for example, a bicycle, pram, etc.
  No deductible, limit EUR 500.
Property outside the building
- Damage to garden furniture and garden equipment.
  No deductible, limit EUR 400.
Electrical damage
- We will indemnify losses resulting from electrical disturbances. This may include overvoltage, power supply interruption, deviation of supply voltage and indirect effects of lightning.
  No deductible, limit up to EUR 5,000.
Overflow of plumbing fixtures, aquariums, and drinking-water systems
- Damage to the home resulting from water overflow from a bathtub, sink, aquarium, toilet bowl, bidet or shower cabin.
  No deductible, limit EUR 500.
Damage caused by precipitation water
- Damage to the home caused by precipitation entering through roof windows or wall windows, seams, and joints.
  Deductible EUR 70, limit EUR 1,000.
Damage caused by water from heavy rainstorms
- Damage to the home caused by precipitation entering through the water collection/drainage system.
  Deductible EUR 70, limit EUR 1,000.
Losses caused by tenants
- Damage resulting from the tenant’s malicious intent or gross negligence.
  Deductible EUR 70, limit EUR 3,000.

Standard offer — this offer meets banks’ requirements for property insurance. Purchase the required insurance cover online with a 20% discount and receive the policy by e-mail.

If you wish to include extended cover in the policy, feel free to call us at +371 67080408 or visit one of our customer service centres so that, our customer service centres so that, and together with our consultants, you can choose the cover that suits you best.

What to do if an insured event occurs?

Information on what to do after an insured event can be found in the claims section. in the claims section..
If you need advice on submitting a claim, call 67 080 440 on business days.

Useful information

What to do if a warning is issued about a thunderstorm and strong wind gusts:
- Secure items on the balcony or in the yard that could be blown away and cause damage;
- Close doors and windows, blinds or curtains;
- Disconnect electrical appliances in advance. Lightning-induced overvoltage can cause serious damage;
- Do not park your car under trees.
Fire safety:
- Clean the chimney every year before the start of the heating season;
- Equip the home with a smoke detector and a fire extinguisher.
Electrical safety:
- Have the electrical installation inspected once every 10 years;
- Do not use damaged or worn-out electrical devices;
- Do not overload the electrical network;
- Use electrical devices that comply with the required technical parameters.

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Home insurance

With a BAN policy — peace of mind in every home!

Some of our advantages

What property can be insured?

What does the policy cover?

What to do if an insured event occurs?

Useful information

Terms and documents

Home insurance terms and conditions and Product Information Document (IPID)

Individuals

For business

Menu:

Individuals:

For business:

Contacts:

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Home insurance

With a BAN policy — peace of mind in every home!

Some of our advantages

What property can be insured?

What does the policy cover?

What to do if an insured event occurs?

Useful information

Terms and documents

Home insurance terms and conditions and Product Information Document (IPID)

Individuals

For business