|NAMED PERILS||ALL RISKS|
|Fire and natural disasters||✓||✓|
|Water leakage from engineering communications due to an accident, including frost||✓||✓|
|Water leakage due to own negligence||✓||✓|
|Water leakage due to third party negligence||✓||✓|
|Repair or replacement of defective engineering communications||✓||✓|
|Unlawful actions of third parties||✓||✓|
|Damage caused by malicious intent of tenants||✓||✓|
|Expenses associated with temporary housing||✓||✓|
|Technical assistance insurance||✓||✓|
|Water leakage from public water supply, sewerage or heating pipes||✓|
|Glazing breakage and cracking||✓|
|Aquarium breakage if the home property is insured||✓|
|Damage due to repairs on neighboring property||✓|
|House key replacement||✓|
|Damage due to drafts||✓|
|Accidental damage caused by homeowners or guests||✓|
|Any other accident not mentioned in the exceptions||✓|
Make sure that unexpected natural disaster, a broken water pipe or a thief does not cause significant financial damage to your property.
The insurance also covers ancillary buildings and landscaping elements in your yard, for example, fence, pavement, greenery and fruit trees.
The policy also includes provision of technical assistance - a locksmith will help you deal with a stuck door, while a plumber will help you manage a leak from a water pipe. In addition, the Compensa consultant will be happy to help you find a solution in the event of an accident.
When living in an apartment, household troubles can affect not only you but also several of your neighbors. The most common accidents in apartments are related to water leaks causing damage to your own property or property of another, as well as accidents involving fire.
When insuring an apartment on the attic floor, also the roof-related part of the apartment is covered.
In every person’s home there are a lot of necessities and other important items that hold not only a material, but also emotional value. By insuring your property you can protect yourself from losses resulting from various accidents, for example, when a water leak or fire damages your furniture and electrical equipment. Similarly, the losses caused by a thief will cause you a lot less headache.
Compensa every day encounters situations where unintentional damage is done to other people or their property. For example, you can accidently flood your neighbors, knock out a neighbor’s window or run into a pedestrian while riding a bicycle or roller skates, in addition, it may happen to your child as well. In such cases, civil liability insurance policy will protect you from losses you have caused to the property or health of another person.
Are you living an active lifestyle and are always on the move - on your bicycle, wakeboard or skis?
Compensa offers active recreation equipment insurance - bicycle, wakeboard, kiteboard, roller skates, as well as strollers, specialized clothing, hiking, mountaineering, winter gear etc. insurance that is valid in Latvia and will save you from damages caused by a road traffic accident while transporting the gear, theft, robbery, vandalism, fire or natural disaster; when your equipment is on another property;
while cycling in road traffic and colliding with a vehicle or another bicycle;
in case of bicycle theft if the bicycle was locked outdoors or in the stairwell.
The bicycles must be registered with the RDSI - you can easily do it on e-csdd or the mobile app.
You may purchase leisure equipment insurance together with the home insurance.
When thinking about our family, we would like to have an additional assurance that we will receive support if one of the household members living in the insured home suffers an accident and lasting bodily injury, for example, in case of a road traffic accident, skiing or snowboarding, suffering an injury at work or while riding a quad bike. The insurance is valid in the territory of the Republic of Latvia and is available when purchasing property insurance.
In addition to insuring your regular home or apartment, we offer holiday home insurance.
In addition to home insurance, we offer to insurance losses caused to the property during construction work.
Construction materials on site are also insured (limit EUR 1 000).