Apartment Insurance | Maxima pojišťovna a.s.

Apartment Insurance

We insure both private and cooperative apartments
Up to 25% discount on online insurance deals
Selection of three insurance packages – Ideal, Excelent and VIP
Apartment insurance will protect you against a wide variety of risks

What can be insured?

Privately owned apartment

Cooperatively owned apartment

Building components and parts of common areas

List of property insurance packages

	Ideal	Excelent	VIP
Exposure to the element windstorm, hail, lightning, heavy snow or ice
Fire and explosio fire, explosion, implosion, smoke
Disaster landslide, snow avalanche, rock and earth collapse, earthquake, fallen trees and poles
Vehicles crash of vehicle or its load, of aircraft, its parts or its load, aerodynamic noise caused by supersonic aircrafts
Basic water damag discharge, buildup and freezing water
Extensive water damag sewage backup & overflow, storm-related water damage	max.CZK 30 thous.	max.CZK 50 thous.	max.CZK 50 thous.
Flood and flash floo flood and flash flood
Theft and vandalism burglary, robbery, vandalism		max. 50 % of SI
Electricity short circuit, undervoltage and overvoltage (incl. indirect lightning strike)	max.CZK 30 thous.	mmax.CZK 50 thous.	max.CZK 100 thous.
Electronics damage to electrical equipment and optical devices	max. 35 % of SI	max. 35 % of SI	max. 35 % of SI
Alternative Accommodation alternative accommodation in case of damage	max.CZK 30 thous.	max.CZK 30 thous.	max.CZK 30 thous.
Pets injuries to non-profitable animals	max.CZK 20 thous.	max.CZK 20 thous.	max.CZK 20 thous.
Glass and Sanitary Facilities broken glass caused by uninsured risk, broken sanitary facility caused by uninsured risk	max.CZK 30 thous.	max.CZK 30 thous.	max.CZK 30 thous.
Damage to Property Outside the Home damage to bicycles outside of the place of insurance, damage to property in a secure area, damage to personal belongings, damage to items of personal use beyond the insurance	max.CZK 10 thous.	max.CZK 10 thous.	max.CZK 10 thous.
Money and Payment Cards damage to cash or misuse of passbooks and payment cards	max.CZK 20 thous.	max.CZK 20 thous.	max.CZK 20 thous.
Valuables and Property of Special Value damage to valuables, to property of special and artistic value	max. 20 % of SI	max. 20 % of SI	max. 20 % of SI

Apartment Insurance

Ready to protect your apartment against a wide range of risks

Take out online

What does it cover, for example?

Fire, lightning, explosion, smoke or aircraft crash
Water-damage from water or sewer pipelines
Windstorm, hail and other storm-related damage

Theft of building components
by a third party
Burglary or theft of building material
Damage to insulated facade caused by rodents and insects

For more details on insurance, read the terms and conditions.

What interests you most

Which insurance should I select if I live in a cooperative apartment which is owned by a building cooperative?: In this case, you can set up only household insurance which covers the apartment furnishings.
Can I insure a building or an apartment under construction?: Yes, it is possible. Our building insurance protects your house from the very beginning to its completion and final inspection. The only condition is to situate it within the territory of the Czech Republic. If the building does not yet have an assigned address, it is necessary to fill in the contract with a plot number in cooperation with the insurance company headquarters.
I am an owner of a family house and I live in one apartment, the second one I rent out. How can I insure my family house and both apartments (households)?: As the owner of a family house, you can insure the building and the household (which are in your ownership). You can insure both the property in your household as well as the household you are renting out. The tenant can then also insure the household but only the property which is in its ownership.
I live in a cooperative apartment. Which insurance should I get?: The building cooperative is required to insure its cooperative apartments. In this case, you can set up only household insurance which covers the apartment furnishings.