Property insurance against fire
Fires in houses and apartments happen extremely often. How to protect yourself against it? How to insure a house or an apartment against fire? Where to choose the most convenient offer?
House insurance against fire – why it is worth having?
Home fire insurance is one of the risks that every basic home insurance policy covers. The statistics of the National Fire Service Headquarters leave no illusions – thousands of people lose the roof over their heads every year. In 2017 alone, 125,871 household fires were reported in Poland.
Property insurance against fire is extremely important, because it allows you to cover any damage after a disaster, and these in the case of fire are often huge. Many people lose all their possessions this way.
Price of fire insurance. How much does it cost to insure an apartment against fire?
The price of property insurance against fire is not exorbitant. The policy can be purchased by any owner of a house or apartment. It is difficult to clearly determine the amount of the premium, because it is always an individual issue.
However, it is worth knowing what affects the final price. To a large extent it is:
the location of the property
number of residents
type of building material (wood is more susceptible to fire than bricks, etc.)
type of roofing
number of smokers in the dwelling
year of construction
additional rooms belonging to the apartment
All this has an impact on the amount of the insurance installment.
Home fire and insurance – what should I remember when signing a contract?
Home fire insurance is included in the basic home insurance policy or disaster insurance. When signing an insurance contract, you should make sure that the sum insured is high enough and corresponds to the value of your home.
In addition, the insurance amount is often paid on the basis of lost property. In this case, it is worth paying attention to whether the value will be determined on the basis of average market prices for new materials, or actual prices, which take into account their wear and tear.
How to buy property fire insurance?
There are several ways to go about buying property insurance. The easiest way would be to use our property insurance calculator, which can be found here.
You can also compare policies at our 320 CUK branches or by calling the CUK helpline: 22 27 00 337.
Irrespective of the route we choose, we will always get help in choosing the best insurance package which will best suit our needs.