- What is the subject of the household insurance?
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The subject of the insurance is a set of movable property and other property which make up the household furnishing and serves its operation and satisfaction of personal needs of the insured and persons living in the same household as the insured (insured persons). The insurance covers the property which is owned by the insured persons. The subject of the insurance is also property which was borrowed for the purpose of use and which is of the same nature as property constituting the household furnishing. The insurance also covers money, valuables and deposits, electronic and optical devices, bicycles, business-related items, antenna systems, small vessels with insured amount up to CZK 30,000, domestic and farm animals as well as building components of the insured household which are acquired or used under a lease agreement.
- Does the insurance company compensate the storm-related water damage or damage caused by hail within the household insurance? Who decides whether the given location was hit by rain, storm or hail?
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Yes, with the basic option of this insurance we already compensate for damage caused by hail or lightning strike. In the extensive option, we also provide additional insurance for damage caused by floods and flash floods. Potential damage is settled by Claims Settlement Department.
- Do I have to have receipts for all damaged property?
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We recommend keeping the receipts and other documents necessary for the assessment of the claim and amount of insurance compensation.
- Does the household insurance include my liability for damage caused?
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Yes, it does with online deals. It applies to damage caused in ordinary civil life which relates not only to damage to property but also to personal injury. This insurance covers all members of the insured household, including your pets.
- Does the household insurance cover things such as property which is put in the basement or attic by its owner?
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Yes, the insurance does cover the non-residential premises in the building containing the insured household, which are used exclusively by the authorised person and are lockable. The insurance limit is 15% of the insured amount of the basic insurance premium.
- Is it useful to insure your household?
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You can use the household insurance in the event of theft, fire, flood or other unforeseen events. The household insurance covers all your property located within the household insured by you. The insurance applies to money, valuables, deposits, electronic and optical devices, building components of the insured household, domestic and farm animals, bicycles etc.
- What is the subject of the household insurance?
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The subject of the insurance is a set of movable property and other property which make up the household furnishing and serves its operation and satisfaction of personal needs of the insured and persons living in the same household as the insured (insured persons). The insurance covers the property which is owned by the insured persons. The subject of the insurance is also property which was borrowed for the purpose of use and which is of the same nature as property constituting the household furnishing. The insurance also covers money, valuables and deposits, electronic and optical devices, bicycles, business-related items, antenna systems, small vessels with insured amount up to CZK 30,000, domestic and farm animals as well as building components of the insured household which are acquired or used under a lease agreement.
- Which animals are covered by the household insurance?
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The household insurance covers domestic and farm non-profitable animals, specifically, dogs, cats, ornamental and songbirds, pigs, sheep, goats, cattle, horses, wild animals (felines, reptiles, monkeys, crocodiles etc.), other riding and draft animals, terrarium animals, rabbits, fur and laboratory animals kept in limited quantities as a hobby, gallinaceous and water birds, animal companions for disabled persons). Animals kept for profit or for business activity are not considered as domestic or farm animals.
- What is the insured value of the subject of insurance?
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The insured value of the subject of insurance is a new, or contemporary, price of a given property. The household insurance is set up at the new price of property. If the insured property is damaged, destroyed, stolen or lost, the insurer pays out the compensation at the contemporary price.
- Does the household insurance also cover the kitchen unit?
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Yes, it does cover the kitchen unit as a building component of the insured household.
- Does the household insurance also cover the property of my guests or tenants?
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Unfortunately, under the applicable general insurance terms and conditions, this insurance does not cover the property of tenants or guests.
- I live in an apartment building. Does the insurance protection also cover property stored in common lockable non-residential premises?
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Yes, you may claim damage caused by theft of a stroller or wheelchair, by exposure to the elements, by theft of a bicycle, given the bicycle is properly secured.
- Can I insure the furnishings of an apartment I rent out?
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Yes, it is possible. The insurance covers the building components and its interior furnishings (furniture etc.). However, it does not cover damage caused by the tenant.
- Does the household insurance also cover the kitchen unit or furniture?
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Yes, given it is fitted furniture closely connected to the building.
- How can I set up an insurance?
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You can set up the insurance online using our website, at our office or via our licensed partners.
- Does the protection cover property stored in common areas?
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Yes, it does. The common areas are, for example, the pram or bicycle room. You may claim damage to property stored in common lockable non-residential areas caused by theft of a stroller or wheelchair or by exposure to the elements.
- I need to change some details of the insurance policy. How can I do that?
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If you wish to change details in your insurance contract, please fill out and sign the Application for Change in Insurance Policy and we will make the appropriate changes accordingly.
- How much will I receive in the event of an insurance claim? For example, will I be able to use the compensation to buy a new item to replace the stolen one?
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Maxima insurance company offers a new price in its property and liability insurance. This means that in case of an insurance claim, you will be paid an insurance compensation in the amount of current price of the item at the time of the insured event. The aim of the insurance company is to pay out such amounts which would cover the purchase of the same item which was owned before the insured event occurred. Valuables and property of special value are an exception. For such, the insurance compensation is limited by their market price.
- How do I prove what furnishing I had had in my household while settling a claim?
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While claiming the insured event, this is solved by submitting receipts, photo documentation, warranty certificates, expert opinions or also by an affidavit.
- Does household insurance also cover items which are borrowed or brought home from work?
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Household insurance also covers property which was borrowed for the purpose of use and which is of the same nature as the property constituting the household furnishing.
- What is the amount of excess?
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The insurance and additional insurance are set up with an excess stated in the insurance contract, except for flood-related damage where the insured participates with an excess of 5% from the insurance compensation, but no less than CZK 5,000.
- Does this insurance include protection against theft, burglary or robbery?
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This insurance risk may be covered as an addition to the basic option of household insurance.
- Where does the insurance cover me?
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Unless stated otherwise in the insurance policy, the property insurance applies to insured events which occur in the Czech Republic at the location specified in the insurance policy as the place of insurance. Damage to items outside of the household, such as bicycles or personal items, outside of the place of insurance is covered up to CZK 10 thous.
- I want to move. Is it necessary to terminate the household insurance due to moving?
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During the moving period, but no later than 30 days since its commencement, both apartments are identified as the place of insurance to the same extent. After this period expires, insurance of both apartments expires as well. The authorised person is required to notify the insurer of the moving date no later than 15 days before its commencement.
