Home Insurance

• Home – we insure a building or apartment in its entirety under the principle of full value insurance. There is no need to specify the sum insured and no need to worry about whether the insurance grants sufficient money to cover damage in the event of an accident.
• Household property insurance – the insurance covers the movable property (e.g. furniture, interior elements, houseplants, household appliances, clothing, etc.) located in the building or apartment. The sum insured in the event of household property insurance is determined automatically and with a sufficient margin in order for the insurance to cover all major and minor items at home.
• Liability insurance – the cover helps if you or a family member who lives with you have/has incurred a statutory obligation to reimburse neighbours or other third parties for damage.
• Rental expenses of temporary residence – if your home has become uninhabitable as a result of an insured event, the rental expenses of temporary residence as well as expenses necessary for moving will be indemnified.
• Loss of rental income – if a building or apartment that was rented out becomes uninhabitable due to an insured event, the loss of rental income will be indemnified within up to 12 months.

• In the event of theft of documents, the expenses of issue of a new document are indemnified to the extent of up to 100 euros without applying a deductible.
• The expenses of the transactions unlawfully concluded or cash withdrawn from an ATM with a stolen or robbed bank card are indemnified to the extent of up to 1,000 euros.
• Cash stolen from the place of insurance is insured to the extent of up to 300 euros.
• Upon loss of keys, the expenses of replacing the door lock are indemnified without applying a deductible.
• The restoration expenses of legal software that was destroyed as a result of an insured event are indemnified to the extent of up to 500 euros.
• The expenses incurred on the veterinary care of pets (e.g. a cat, dog) as a result of the occurrence of an insured event are indemnified to the extent of up to 300 euros.
• If water seeps through the structures of a building and damages interior finishing, the restoration expenses of the interior finishing will be indemnified.

The insurance covers kitchen and bathroom furniture and integrated household appliances – when insuring a building or apartment and the household property therein, the insurance also covers the built-in furniture and integrated household appliances.

Facilities and ancillary buildings – the insurance of a residential buildings also covers facilities, incl. outdoor lighting installations, ball courts and playgrounds, as well as ancillary buildings of up to 20 m2, to the extent of 10,000 euros.

Storage room of an apartment – the insurance of an apartment also covers the interior finishing of the storage room (cellar box), the door to the storage room and the permanently attached shelves of the storage room.

Household property outside home – the household property accompanying the policyholder and their family members is also insured outside the place of insurance within the borders of the Republic of Estonia to the extent of 1,000 euros. In the event of extended all-risk insurance, the accompanying household property is insured within the borders of the European Union to the extent of 2,000 euros.

Household property in ancillary buildings and a cellar box – household property insurance is also valid, to the extent of 10% of the sum insured for household property, in the cellar box located in the same building as the apartment or in buildings located on the same registered immovable as the residential building.

New for old – damage to household property is indemnified to the extent of the value of equivalent new property, excluding computers, computer equipment, mobile phones, valuables, art and motor vehicles.

0-deductible – no deductible is applied if:

• the building or apartment was broken into and, as a result, there are visual traces of a break-in;
• the glass surfaces of windows, exterior doors or balcony railings were broken;
• the building has been destroyed as a result of fire;
• the keys were robbed or stolen and therefore the door lock needs to be replaced or the system recoded.

Damage resulting from a construction fault is indemnified – if a fire or pipeline leakage is caused by a construction fault, Seesam will indemnify for the consequences of such damage.

Building and repair work – the insurance is also valid in the event of building or repair work of home.

Extensive private person liability insurance cover – If you have chosen private person liability insurance, we will indemnify: the damage caused as a private person to a third party within the borders of the Republic of Estonia, damage caused by the children of the insured persons, and personal injury or property damage caused to third parties by a pet owned by the policyholder.

Every homeowner can do a lot to protect and take better care of their home and property. To this end, we have compiled a list of advice below.

Prevention of fire emergencies

• Each home must be equipped with a functioning smoke detector.
• Each home should be equipped with primary means for limiting a fire – a fire blanket and powder extinguisher.
• Do not perform electrical work on your own, call a qualified specialist.
• The chimney and flues of a stove-heated apartment or house must be cleaned at least once a year before the heating period begins. Fire chambers or the base of the chimney may have no cracks. If necessary, have these repaired by an expert.
• There must be a metal sheet or non-combustible flooring in front of the fire chamber to prevent embers from causing a fire.
• Do not leave burning candles or a fireplace unattended. Place candles on a non-combustible surface, away from flammable materials.
• Keep matches or burning candles out of the reach of children.
• Disconnect household appliances (e.g. the iron) from the power supply after use.
• Never use an open flame to thaw frozen pipes.
• Never try to extinguish burning fat or oil with water. The fire must be smothered using a cloth or special fire blanket.

Prevention of water emergencies

• Have a specialist regularly inspect whether the water pipeline, hot water boilers and household appliances (e.g. the washing machine, dishwasher) are in good condition.
• Regularly clean waste pipes and traps to prevent blockages from occurring.
• Before the winter begins, drain the pipes located outdoors and in non-heated rooms of water and close their valves to prevent frozen pipes from bursting.
• Household appliances must be connected to the water supply through the tap that has been prescribed to this end and can be turned off when the appliance is not used.
• When leaving home, do not leave the washing machine running.
• In humid rooms, have a moisture barrier installed behind the wall material and under the flooring.
• If there is no dwelling on the basement storey, items stored on the basement storey must be placed at a height of at least 10 cm from the floor.

Prevention of break-ins and thefts

• Home should be built tough, with at least a 44 mm thick door and proper locks.
• The key to home may not be kept in typical hiding places, such as under the doormat, since these are the first places where thieves have a look.
• If you have lost your key or are not sure whether you have come into possession of all of the copies of the keys after purchasing an apartment or house, you should change the door locks as soon as possible
  When leaving home, be sure to properly close all doors and windows.
• Do not let strangers know when you are away from home (e.g. at work or on holiday).
• When leaving home, make sure that it does not appear to be abandoned. While on holiday, ask a reliable person to regularly empty the postbox, mow the lawn, draw the curtains for the night, etc.
• After using the household property located outside the building, bring it indoors or lock it up to prevent theft. Trampolines, garden furniture and BBQ must be stored indoors when the season is over.

What is covered under the War Risk Add-on Cover?

• Accidental impact by a military drone or its parts on the insured home. For example, where a drone used in military operations deviates from its intended target and crashes into the insured house or apartment, or where parts of the drone damage the building.
• Direct damage caused by a missile, shell, loitering munition, military ammunition or explosive device. Cover may apply to both the direct impact of such objects and damage to the insured building or apartment caused by their explosion.
• Damage caused by debris or other parts of an aircraft or aerial device used in military operations. For example, if parts of a destroyed missile or drone fall onto the insured home and damage the roof, windows, structural elements or other insured property.

What is not covered?

• Terrorism – attacks motivated by political, religious or ideological reasons.
• Sabotage – intentional politically motivated damage to property or infrastructure.
• Riots – disturbances of public order and mass civil disorder.
• Civil unrest – violent demonstrations arising from political or social tensions.
• War between major powers – any loss or damage arising from war between any two or more of the following countries: China, France, the Russian Federation, the United Kingdom and the United States of America.

When does the War Risk Add-on Cover apply?
The cover applies only if it has been specifically added to the insurance policy. If there is no corresponding endorsement on the policy, War Risk Add-on Cover does not apply.

What property is covered?
The cover applies to the insured property specified in the policy, such as the building, apartment or household contents.

How is the sum insured determined?
The sum insured is calculated automatically based on the size of the insured home and is stated in the insurance policy. It also represents the maximum amount payable in the event of a covered loss.

What is the deductible?
The deductible is €300 for each insured event.

How long is the War Risk Add-on Cover valid?
The maximum insurance period for the War Risk Add-on Cover is one year. The insurance period is specified in the policy.