The object of insurance is property interests related to the possession, use, and disposal of real estate, which is the subject of a mortgage (pledge) to secure a loan issued by a bank, which is located at the address specified in the insurance agreement

1.    Natural disasters (earthquake, landslide, landslide, scree, subsidence of the earth's surface, karst abyss, soil erosion, rockfall, heavy rainfall, hail, heavy snowfall, snow pressure resulting from heavy snowfall, severe frost, extreme heat, strong wind, including squalls and tornadoes, strong dust storms, strong snow adhesion, high water level (watershed, flood), flooding (rise in groundwater level), snow avalanche, mudflow, heavy fog,  windbreak, windbreak, lightning strike, falling trees)    

2.    Accidents in heat, water, gas supply systems, electrical networks, industrial accidents (including emissions of superheated masses, propagation of a wave of toxic gases and vapors, leakage of aggressive substances).

3.    Fire        

4.    Smoke damage.        

5.    Explosion (including as a result of illegal actions of third parties).        

6.    Falling of poles, lighting masts, other structures, except for those cases that arose as a result of their improper installation or installation.

7.    Carrying out works related to the construction/reconstruction of real estate located next to the insured property, or neighboring premises that do not belong to the Insured.        

8.    Unlawful actions of third parties: hooliganism, theft, robbery, robbery, intentional destruction or damage to property (including vandalism, arson, explosion), except for these actions that occurred during a civil war, popular unrest, strike or as a result of a terrorist act.

9.    Crash of manned aircraft objects, their parts, cargo and baggage transported by them, as well as fuel spills.        

10.    Exposure to water and/or other liquids in the event of an accident (including damage, rupture, freezing) of water supply, sewerage, heating and fire extinguishing systems and/or penetration of water and/or other liquids from adjacent premises resulting from: 

    rupture or freezing of water supply, sewerage, water and steam heating systems, including water supply taps, hydrometers, heating batteries, steam boilers, boiler rooms, water and steam heating equipment, fire extinguishing systems;

    sudden damage, rupture or freezing of taps, valves, tanks, baths, radiators, heating boilers, boilers directly connected to water supply, sewerage, water and steam heating systems.

11.    Collision with insured property or collision with this property by technical means moving under or without human control and using any type of energy for movement.

Insurance restrictions cannot be insured: 

1.    buildings, structures and premises that are subject to demolition or reconstruction at the time of concluding the Agreement, or whose structural elements and engineering systems are in disrepair or need major repairs; 

2.    property located in the war zone; 

3.    property that cannot be mortgaged in accordance with the law.  

The sum insured is set in an amount not exceeding the actual value of the property.

Minimum insurance tariff – 0.02%

Maximum insurance tariff – 1%

The franchise is established by agreement of the parties to the agreement

Territory of action - the address of the location of property, except for the territory of active hostilities and territories temporarily occupied by the Russian Federation, which are determined by the Order of the Ministry of Reintegration of the Temporarily Occupied Territories No. 309 of December 22, 2022 "On Approval of the List of Territories Where Hostilities Are (Were) Conducted or Temporarily Occupied by the Russian Federation" or any changes to it, as well as at a distance closer than 50 km to these territories),  territories of war zones, popular riots, as well as the territory where a special access regime is established (entry / stay / exit regime). 

The Agreement comes into force from the date specified in the Agreement, but not earlier than the receipt of the insurance payment to the current account of the Insurer. 

It is not possible to extend the term of the Agreement.

Refusal to pay insurance indemnity

The product is not offered together with a related and/or additional product, work or service that is not insurance as part of a single package or contract

There are no discounts on the product.

There are no promotional offers. 

a) the type of activity carried out at the location of the property; 

b) characteristics of the property (area, structure, interfloor ceilings, age, etc.); 

c) fire safety and fire extinguishing means (availability of a serviceable fire alarm, type of sensors, availability of fire extinguishing system, sufficiency and operability of fire extinguishers, fire hydrants and hydrants, etc.); 

d) security systems (the presence of physical security, the presence of alarms and motion sensors, security mode, etc.) - the history of losses (causes and amounts of damages, if any); 

e) other information that allows you to assess the probability of occurrence of an insured event and the possible amount of damage caused

g) information on the current insurance contracts concluded in relation to the insured object;

g) information on the existence on legal grounds or on the basis of other legal relations of the insured interest in the insured object.

Before making a decision on concluding an insurance agreement in order to make an informed decision on insurance, PrJSC "IC "Euroins Ukraine" asks to familiarize itself with the information on exceptions to insured events and grounds for refusal to make insurance payments, limits of the insurer's liability for a separate object of insurance, insurance risk and/or insured event, as well as the procedure for calculating and conditions for making insurance payments. This information can be found in the General Terms and Conditions of the insurance product, which are posted under this disclaimer.