My beloved house +

1. Insurance Object

The insurance object includes:

• Property Insurance: An apartment or private house under the right of ownership, use, and/or disposal, including structural elements with engineering and communication systems. Additionally, at the client's discretion: interior finishes, movable household property, personal belongings, outbuildings, solar/wind installations/heat pumps, and landscape design elements.

• Liability Insurance: Liability for damage caused to neighbors during the ownership, use, and/or disposal of the insured property by persons whose liability is insured (if liability insurance is provided under the Standard Program insurance contract).

2. Insurance Risks and Limitations

Insurance Risks:

• Property Insurance:

  • Basic:
    • Fire (including arson), explosion, lightning strike (hereinafter — Fire Insurance Risks);
    • Natural disasters (downpour, storm, hurricane, gale, tornado, squall, hail, rockfall, landslide, earthquake, flood, high water, mudflow, collapse, subsidence, soil subsidence, meteorite fall);
    • Accidents of water supply, sewage, heating systems, and connected household devices, penetration of water or other liquids from neighboring premises, freezing of utility systems (hereinafter — Water Insurance Risks);
    • Illegal actions of third parties (theft with intrusion, including with signs of breaking, robbery, assault, vandalism);
    • Falling of manned aircraft;
  • Optional:
    • Glass breakage, collision with land vehicles;
    • Electrical risks (if functional voltage control devices are present);
    • All external impact risks not falling under the exclusions and limitations provided by the Contract, including falling objects, trees, animal attacks, etc.

• Liability Insurance: The occurrence of liability of persons whose liability is insured, due to their actions or inaction during the ownership, use, and/or disposal of the insured property, for damage caused to affected third parties (neighbors) and/or their property.

Insurance Limitations:

The following are not subject to insurance under this product:

• Any vehicles, their components, mobile cottages, residential trailers;
• Objects subject to demolition, in an emergency state, dilapidated and/or old, not commissioned, under construction and/or installation, restoration, undergoing construction and installation works, including objects under repair, or objects not in use;
• Objects not used for permanent residence, i.e., not in use for more than 90 consecutive calendar days;
• Houseplants, food products, animals, and birds;
• Intellectual property objects, antiques, fur products, cash, payment cards/savings books, documents, information carriers, mobile phones, products made of precious/noble metals, stamp collections, coins, etc.

3. Minimum and Maximum Insurance Sum (Liability Limit)

• Property Insurance: The insurance sum is aggregate and is set at the actual (market) value at the time of the Contract conclusion.

• Liability Insurance: The insurance sum is aggregate and is agreed upon by the parties, ranging from 100,000 UAH to 1,000,000 UAH.

4. Minimum and Maximum Insurance Premium and/or Rate

• Property Insurance: The insurance rate ranges from 0.05% to 1.00%.

• Liability Insurance: The insurance rate ranges from 0.05% to 0.60%.

5. Type, Minimum, and Maximum Deductible Amounts (if applicable)

• Property Insurance: An unconditional deductible chosen by the Insured from the options: 1,000 UAH or 2,000 UAH.

• Liability Insurance: An unconditional deductible set at 1,000 UAH.

6. Territory and Duration of the Insurance Contract (including information on its commencement and insurance period(s), if applicable)

• Territory: The insurance covers the location address of the insured real estate according to its registration documents, excluding:

  • Temporarily occupied territories of Ukraine;

  • Territories where state authorities temporarily do not exercise their powers, and settlements located on the demarcation line;

  • Areas of any military actions;

  • Localities where a state of emergency has been officially declared or zones officially recognized by state authorities as areas of potential natural disasters, if such declaration was made before the insurance contract was concluded.

• Duration: The contract duration is agreed upon by the Parties and can be either 6 months or 1 calendar year.

• Commencement: The contract takes effect from the date specified as the start date, but not earlier than the day following the receipt of the insurance premium (or the first installment, if paid in parts) by the Insurer, in the amount and within the timeframe specified in the Contract.

7. Potential Consequences for the Consumer in Case of Non-fulfillment of Obligations Defined by the Insurance Contract

In case the consumer fails to fulfill the obligations defined by the insurance contract, the Insurer may refuse to pay the insurance indemnity.

8. Information on the Possibility of Purchasing the Insurance Product Separately

This insurance product is not supplementary to other goods, works, or services that are non-insurance related.

9. Conditions for Receiving Discounts on the Insurance Product and Promotional Offers from the Insurer

No discounts or promotional offers are provided for this insurance product.

10. List of Information Essential for Assessing the Insurance Risk and/or Other Circumstances Considered When Determining the Insurance Premium Amount

Information essential for the insurer's decision on the insurance premium amount and risk assessment includes details about:

• The insurance object as specified in the Contract and/or Insurance Application;

• Transfer of the insured property into mortgage, pledge, lease/sublease;

• Change of ownership of the insured property (sale, donation, etc.), issuance of a power of attorney granting disposal rights of the insured property to another person, conclusion of a preliminary sale agreement concerning the insured property, receipt of a deposit;

• Use of the insured property not according to its intended purpose or conducting redevelopment/repair works to use it as an office, warehouse, commercial premises, hotel, sauna, workshop, etc.;

• Lack of supervision over the insured property for more than 90 consecutive calendar days;

• Presence of external and/or internal wooden walls (including those fully or partially covered with brick, foam, gas, or slag concrete) and/or wooden floors in the structural elements of the insured property (for buildings with more than one floor);

• The insured property being under arrest or encumbrance (except for encumbrances related to the fulfillment of contractual relations between the Policyholder and the Beneficiary);

• All active insurance contracts concluded concerning the insurance object.

Note: Before concluding the insurance contract, it is necessary to familiarize yourself with information about exclusions from insurance cases and grounds for refusal of insurance payments, liability limits of the insurer for each insurance object, risk, and/or case, as well as the procedure for calculating and conditions for making insurance payments, available at: https://uniqa.ua/storage/insurance-products/reports-files/2102_umovy_29.06.2024.pdf