Real Estate Insurance

For most of us buying a property and furnishing it is the most important step in our life connected with extra efforts. After manage to fulfil our dreams we very often miss to protect our properties in the best possible way.  Preventive actions which in most of the time we do such as installing an alarm, metal doors, etc not always are enough to protect us from unwished events. That is why it is important we to think how to increase our protection over our investments- properties, movable objects, cars, etc.

We want to emphasize on the point that either physical person or limited company can insure their movable and unmovable property.  Insurances in Bulgaria are always concluded for the period of an year.

 

Object of insuring:

Properties-Entire  Living Building or part of it- apartments, houses, shops, offices, garages, non-habitable storages, villa, part of the properties- such as satellite dishes, sunlight heating systems, fences, etc;

Movable objects into the properties: furnishing, electric appliances, TV, audio systems, piece of arts, pictures, money in cash, etc;

 

Insurance covered risks: We offer you two type of property insurances depending on the area of coverage- Comfort and Prestige. These packages  gives you opportunity to decide which risks to include and which not. 

Risks with the Comfort package:

  -          Fire, lightning, explosion, impact from aircraft, storm, hail,   deluge, damaged roof from snow, broken elements from ice,    flooding. In that package it is included the cleaning and the    transport of the wastes

  -          Malicious actions on third persons, electric system    problems caused from low voltage. The insurance company will   repair the installation. Broken windows.

  -          Any kind of Burglary

  -          Third part liability- it includes damages which are caused   to third person from the insured one- such as fire and flooding.

 

Covered risks of the Prestige package:

             -          Fire, lightning, explosion, impact from aircraft, storm, hail, deluge, damaged roof from snow, broken elements from ice, flooding. In that package it is included the cleaning and the transport of the wastes

-          Malicious actions on third persons, electric system problems caused from low voltage. The insurance company will repair the installation. Broken windows.

  -          Any kind of Burglary

  -          Third part liability- it includes damages which are caused   to third person from the insured one- such as fire and flooding. 

  -          Earth collapses, earthquakes, hit by vehicle, indirect    lighting impact.

  -          In that package the insurance covers the hotel the insured family will stay, installation of the front door and fence, changing of locks in case of stolen key.

-          In case of cutting the electricity and the food in the fridge is thrown away

Documents required from the insurance company to conclude the contract: Copy of the title deed

In case of insurance event the insured person must strictly follow the described steps  into the General conditions of the combined insurance policy:

-          To inform the insurance company immediately but not later than the 7-th day from knowing of the insurance event. To inform the police when needed

-          With the insurance risk- Malicious actions on third persons – insured person must inform in 24h from knowing of the event the insurance company, the police and if needed the fire station. He must take all the documents from the Police or the fire station as prove of the happened event

-          The insured person must cooperate with the insurance company to describe all the damaged or stolen objects. 

 

In case of insurance event please call to the following SOS telephone number: 0700 11 50

By calling that number you will:

-          Apply in front of the insurance company for happened insurance event

-          The insurance company will explain the next steps

The insurance compensation is equal to the  actual or given value of the losts or damages  in the day of the insurance event depending on the insurance amount the contract have been concluded. The compensation is due to be paid up to 15 days after all documents are received from the insurance company. In case the insurance is signed in different currency than LEVA, the compensation will be paid in BGN depending on the main course of Bulgarian National Bank. 

Your advantages are: Extremely easy procedure of concluding property insurance.

-          No offers, no pictures or protocols from the property

-          Automatic acceptance of the repairs or purchased movable objects into the property up to the settled limits without extra payments

-          Possibility of automatic renew of the insurance policy

-          Possibility of signing the contract in favor of third institution such as banks

-          Complex insurance protection including risks which are not covered thru other insurance companies. 

 


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BG Home is the agency which is created for You, our Clients! Having long term experiences with legal services, real estates and their security in the face of our insurance partners, we at BG Home decided to provide you the services you need. The complexities of our tasks determine our success and give each client the needed reliability and composure. Our team is highly qualified and prepared to compete all tasks connected with a purchase,selling, maintenance, refurbishment and furnishing to a certain property. We build already 10 years the trust and we would like you to become part of our big family. Don`t hesitate and contact us in order to ask  all the questions you cannot find an answer to!