Household Property and Accident

Who is it designed for

This insurance is designed for movable and immovable property of private individuals. It shall also cover the risk of accident of the Insurant and the members of his/her family.

Insurance cover

Section Property:

Clause “A”:

  • fire, including the consequences of its extinguishing, explosion, implosion, stroke of lightning, crush and/or fall down of piloted air-craft, its parts or cargo;
  • natural calamities: storm, hail, flood;
  • short circuit, electric stroke;
  • soaking as a result of failure of water-main and sewage installations and taps not turned off;
  • natural snow and ice heaping;
  • vandalism of the immovable property.

Clause “B”:

  • housebreaking and/or technical instrument;
  • vandalism of the movable property.

Clause “C”:

  • earthquake.

Clause “D”:

  • third party liability.

Clause “E”:

  • breaking or damaging windows and other glazing of the building’s front, caused by third parties.

Section Accident:

Clause “F”:

  • permanent disability as a result of a home accident;
  • death as a result of a home accident.

The above listed risks shall be covered client's option.

Sum insured

The sum insured of the insured properties under the Section Property shall be agreed with the Insurant in Bulgarian Leva (BGN) or in other currency. The sum insured could be the real cost, the recoverable amount or a liability limit. For the Third Party Liability risk the liability limit per event and in aggregate for all the events within the insurance term is up to BGN 5.000. The sum insured under the Section Accident shall be agreed between the parties and shall amount between BGN 500 and BGN 10.000.

Insurance premium

The insurance premium shall be set on the basis of the tariff of HDI Insurance Company depending on the sum insured, respectively the liability limits, the risk circumstances, the chosen risks from the insurance cover and the insurance term.

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Validity of the insurance cover

The insurance cover shall be valid for the policyholder and the members of his/her family.

Insurance term

The standard insurance term is one year.