Property
Voluntary property insurance under program “Home and all that is therein”
New ample apartment, beautiful furniture, modern household appliances, luxurious interior design… We tend to have these comforts of civilization, as they make our surroundings cottonwool and lives worthful. Your house calmness and warmth as well as confidence in future will be secured by our personal property insurance program – “Home and all that is therein”.
What is a subject of insurance?
1 group:
- bath-houses, living and utility constructions;
- living quarters in tenement-houses, dormitories (flats, rooms);
2 group:
- Interior finish of living quarters and constructions, including finish of balcony and loggia, and also plumbing and heating installations;
3 group:
- Homestead
- furniture, technics, illuminating equipment;
- pictures, stuffed animals and birds made by taxidermists;
- carpet, tapis, portieres (curtains), jalousie;
- plants;
- sports facilities, child’s facilities (baby carriages, go-carts, toys of value more than 20 000 tenge);
- wheelchair.
Listed groups are subject to insurance separately or in any their combination.
“Home and all that is therein” program will guard you from additional expenditures for reconstruction and repair of property damaged due to the following events:
| Variant 1 | Variant 2 | Variant 3 | Variant 4 | Variant 5 |
| 1. fire, lightning, explosion; 2. damage caused by water from faulty sewage system; 3. water leakage from neighboring other’s premises; 4. natural desasters; 5. illegal actions of third parties; 6. collision of motor vehicles; 7. falling of piloted flying apparatuses or their debris. | 1. fire, lightning, explosion; 2. damage caused by water from faulty sewage system; 3. water leakage from neighboring other’s premises; 4. natural desasters. | 1. fire, lightning, explosion; 2. damage caused by water from faulty sewage system;3. water leakage from neighboring other’s premises. | 1. fire, lightning, explosion. | 1. damage caused by water from faulty sewage system; 2. water leakage from neighboring other’s premises. |
Choice depends on you!
Period of insurance is not less than a year.
Sum insured is set in amount of actual (market) value of property as of insurance agreement conclusion date.
Annual insurance premium depends on type of property and risks chosen.
Insurance agreement constitutes unconditional deductible, i.e. your share that will not be covered by the insurance company and indemnity will be paid less this deductible. Unconditional deductible is set separately or in common for each object of insurance in respect of “natural disasters” at the rate of 0,8% of sum insured, in respect of all other risks – 0,5% of sum insured, but not less than KZT 20 000.
