Warta Home Insurance

Insurance company Warta

In the event of flooding, fire, burglary, and other incidents

Even basic, unexpected events can overwhelm homeowners. Flooding, power surges, breakage, fire, robbery, or burglary are just a few examples. When you decide to purchase a policy from Warta, you gain a wide range of coverage that you can tailor to your needs.

The policy coverage includes: walls (including ceilings), ancillary spaces belonging to the apartment (basement, storage unit, attic), as well as fixed elements (items that are built-in and cannot be removed, such as tile, flooring, built-in bathroom fixtures, and built-in appliances).

It is important to ensure that the coverage also includes the personal property that makes up the contents of the home (including furniture, rugs, electronics and household appliances, clothing, photography and sports equipment, musical instruments, jewelry, and other items).

What do you get out of it?

• Coverage Against All Events (All Risks) – A comprehensive auto insurance policy covers not only standard incidents but also those not explicitly excluded in the General Terms and Conditions; for example, the coverage includes accidental breakage of glass sinks, fireplace glass panels, solar panels, and many other items.

• Coverage for basic incidents—the policy covers a limited range of basic incidents, such as flooding, power surges, water damage, lightning strikes, and many others, with the option to extend coverage to include burglary.
• Emergency expert assistance—we arrange and cover the cost of services such as a plumber when a cracked hose in the bathroom needs to be replaced, or a locksmith when a broken door lock needs to be replaced.
• Temporary housing during renovations—if you suffer damage that makes it impossible to use your apartment, we’ll cover the expenses associated with temporary housing.
• Identifying and rectifying the cause of damage—we reimburse the costs incurred in locating and repairing system malfunctions, not only in the event of damage but also when there is a real risk of damage occurring.

What does home insurance cover? Examples

• A fire, an explosion—when a fire destroys your apartment, leaving you without your belongings and a place to live, or when an unattended iron or stovetop causes a fire.
• Flooding Caused by Neighbors – when a pipe or hose breaks at a neighbor’s place, causing your apartment to flood.
• Power surge—when a sudden spike in voltage in the electrical system causes damage to household electronics or appliances.
• Items stored in a basement or storage unit—if a thief breaks into those spaces and steals your property, or if an unforeseen event, such as a fire or flood, occurs and destroys the stored items.
• Breakage of windows and glass components—when window or door panes are broken, or when an induction cooktop, oven glass, or shower door glass is shattered.

What isn't covered by home insurance? Examples

• Breakdown, wear and tear—when the insured items have been damaged or destroyed as a result of normal wear and tear or a breakdown.
• Mold Damage – when insured items have been damaged as a result of mold or fungi, as well as decay.
• Lack of legal title—when the insured items are destroyed but do not belong to you.
• Vacant Properties – We do not insure abandoned premises and buildings that are left unattended and without physical supervision or that are scheduled for demolition.

Comparison of Insurance Options