• The object of insurance is:
• with respect to property insurance:
• - an apartment, specifically: structural elements, utility systems, interior finishes, glass, and movable property; or
• - a house, specifically: structural elements, utility systems, interior finishes, glass, and movable property;
• owned by the Policyholder (Beneficiary) by right of possession, use, and/or disposal, and to which the Policyholder’s (Beneficiary’s) insurable interest relates;
• with respect to liability insurance: liability for harm caused to injured third parties and/or their property as a result of the use of the insured property.

• Insurance risks include:
• regarding property insurance:
• - Fire-related risks: fire, explosion, lightning strike;
• - Natural disasters: gale, hurricane, storm, tornado, flood, squall, hail, collapse, rockfall, earthquake, high water, mudflow, landslide, soil subsidence;
• - Water damage: damage caused by accidents involving water supply, sewage, or heating systems and connected household appliances; freezing of utility systems; ingress of water or other liquids from adjacent premises not owned by the Policyholder;
• - Unlawful acts by third parties: robbery, burglary (including cases showing signs of forced entry), violent robbery, intentional damage to or destruction of property (including arson);
• - Falling objects, including manned aircraft;
• - Glass breakage;
• - War risks;
• regarding liability insurance: the occurrence of liability for harm caused to injured third parties and/or their property during the use of the insured property.
• The following are not subject to insurance:
• - property used for business or industrial purposes;
• - any vehicles, including their components and parts; residential trailers;
• - utility infrastructure, as well as parts of common areas, corridors, or vestibules that are not part of the insured property; - property located in the insured apartment/house but belonging to tenants, sub-tenants, or lodgers paying for the use of the premises, rather than to the homeowner;
• - personal belongings of the Policyholder/Beneficiary (clothing, footwear);
• - houseplants, food products, animals, and birds;
• - fuel materials;
• - any weapons or explosives;
• - items made of precious metals, precious, semi-precious, and colored stones: jewelry, valuable tableware and writing instruments; fur products; collections of postage stamps, coins, or other collectibles; works of art, antiques;
• - documents, cash, payment cards; electronic storage media and the data contained therein;
• - animals, plantings, crops, and seeds (bulbs);
• - apartments or houses under seizure;
• - apartments or houses subject to a dispute regarding ownership rights;
• - apartments or houses serving as security for financial (property) obligations under any contract concluded by the Policyholder/Beneficiary (held as collateral or under mortgage);
• - apartments or houses whose technical condition is classified as unsafe or unfit for normal use under current DSTU standards;
• - unfinished construction projects; - apartments located in buildings slated for demolition, as well as the buildings themselves;
• - apartments and houses whose technical condition is classified as unsafe or unfit for normal use under current DSTU standards, along with the property contained within them;
• - apartments and houses featuring structural elements—such as walls and/or roof components—made of wood;
• - explosives, weapons, and ammunition;
• - movable property located on open terraces, balconies, or loggias.

• Minimum insured amount:
• for property insurance – UAH 100,000;
• for liability insurance – UAH 25,000.
• Maximum insured amount:
• for property insurance – UAH 5,000,000;
• for liability insurance – UAH 1,250,000.
• The insurance contract may specify limits on the insurer's liability—within the overall insured amount—for specific insurance objects, insurance risks, or the policyholder's additional expenses.
• The insurer's liability limit for war risks (if established) and the limit for reimbursing the policyholder's additional expenses under property insurance are specified in the insurance contract.

• Minimum insurance premium:
• for property insurance – UAH 500;
• for liability insurance – UAH 200.
• Maximum insurance premium:
• for property insurance – 450,000;
• for liability insurance – UAH 100,000.

• The deductible is unconditional and is set as an absolute amount:
• Minimum deductible amount: 0
• Maximum deductible amount: not set.

• The territorial scope of the insurance contract is defined by the location of the insured property within the territory of Ukraine, excluding:
• - territories where a state of emergency has been officially declared, or zones designated or officially recognized by competent state authorities as areas at risk of natural disaster, provided such declaration was made prior to the conclusion of the Contract;
• - temporarily occupied territories of Ukraine;
• - territories where Ukrainian state authorities do not currently exercise their powers, or exercise them only partially;
• - territories where hostilities are taking place or were taking place at the time of an event potentially qualifying as an insured event, as well as territories situated along the line of combat contact and demarcation, including those defined in accordance with Order No. 376 of the Ministry for Communities and Territories Development of Ukraine dated February 28, 2025, "On Approval of the List of Territories Where Hostilities Are (Were) Taking Place or Which Are Temporarily Occupied by the Russian Federation."
• In addition to the aforementioned territorial limitations, insurance coverage for War Risks does not extend to territories located within 100 (one hundred) kilometers of settlements situated in areas of active hostilities or under temporary occupation. To measure the straight-line distance between the locality where an event exhibiting the characteristics of an insured event occurred and the nearest locality that is under occupation or situated in an active combat zone, the insurer is entitled to use the web service https://deepstatemap.live/.
• The term of the insurance contract is specified therein. The insurance contract does not provide for automatic renewal. Extension of the insurance contract term is possible only by mutual agreement of the Parties through the conclusion of a new insurance contract for a new term.
• The start date of the insurance contract term is determined by agreement between the insurer and the policyholder and is specified in the contract; however, it may not be earlier than the 6th (sixth) calendar day following the date of the contract's conclusion—except in cases where a contract is concluded for a new term (continuous renewal)—nor earlier than the day following the payment of the insurance premium (or the first installment thereof, if the contract provides for installment payments). For this purpose, the date of the contract's conclusion counts as the first calendar day.
• The insurance contract remains in effect until the expiration date specified therein.
• If the insurance premium—or the first installment thereof, where installment payments are stipulated—is not received or is not received in full in the insurer's current account, the insurance contract shall be deemed not to have entered into force.

• The policyholder bears financial liability for the untimely return of the insurance indemnity (or a portion thereof)—in cases stipulated by the insurance contract—by paying the insurer a penalty of 0.01% of the amount of the untimely returned indemnity (or portion thereof) for each calendar day of delay, provided that the total penalty does not exceed twice the NBU discount rate for the corresponding period.
• Failure by the policyholder or the persons whose liability is insured (or the policyholder’s representatives) to provide timely notification of the occurrence of an insured event without valid reason, or failure to fulfill other obligations defined by the insurance contract or legislation—where such failure renders it impossible for the insurer to establish the fact, causes, and circumstances of the insured event or the extent of the damage (loss) incurred—constitutes grounds for refusing payment of the insurance indemnity.
• If the insurance premium, or the first installment thereof (where the insurance contract provides for payment in installments), is not received or is not received in full in the insurer’s current account, the insurance contract is deemed not to have entered into force. In the event that the insurance contract provides for the payment of the insurance premium in installments:
• - if a scheduled installment of the insurance premium is not received in full by the deadline specified in the insurance contract for the payment of that installment, insurance coverage under the contract is suspended starting from the day following the deadline specified in the contract for the payment of that installment;
• - if the policyholder pays the overdue insurance premium installment within 10 (ten) calendar days after the due date specified in the contract, insurance coverage resumes at 00:00 hours on the day following the day the overdue installment is received in the insurer's current account;
• - from the moment insurance coverage is suspended until it is reinstated, coverage under the contract is not in effect, although the contract term specified therein remains unchanged;
• - if the policyholder fails to pay a scheduled insurance premium installment within 10 (ten) calendar days of the due date specified in the insurance contract, the contract terminates—without prior notice from the insurer to the policyholder—at 00:00 hours (Kyiv time) on the 11th (eleventh) calendar day following the due date specified in the contract for the payment of the relevant installment.

• The insurance contract is not ancillary to other non-insurance goods, works, or services. Entering into the contract does not necessitate obtaining additional or ancillary services from the insurer and/or third parties in connection with the receipt of the financial service provided under said contract.

• Discounts and promotional offers are not available.

Information of material importance for assessing insurance risk may include:

- information about the object of insurance, namely: whether it is an apartment or a house; location; year of construction; materials used for construction and inter-floor slabs, etc.;

- losses incurred during previous periods of the insured object's operation;

- information on existing insurance contracts concluded regarding the insured object;

- information regarding the mortgaging, pledging, leasing/subleasing, etc., of the insured property.

Before concluding the insurance contract, the policyholder must familiarize themselves with the information regarding exclusions from insured events and grounds for refusing insurance payouts, the insurer's liability limits for a specific insured object, insurance risk and/or insured event, as well as the procedure for calculating and the conditions for making insurance payouts, as specified in the General Terms and Conditions of the insurance product at the following link https://euroins.com.ua/en/property-and-third-party-liability-insurance-info