Comprehensive household insurance calculator
The calculator calculates the object's sum insured on the basis of the data given by you (pursuant to the value of restoring one square metre of a building) and the annual and monthly premium of the comprehensive household insurance.
Please select the type of the insured object.
Apartment – the insurance object is the interior decoration of the apartment including utility systems.
Private house – the insurance object is the building along with its essential parts (e.g. wiring, piping, ceilings, doors, windows, etc).
Part of building– the insurance object is the conceptual part of the building along with its essential parts.
Please select the type of the structure of the insured object.
Stone – the load-bearing walls and floors of the object are of stone.
Mixed – the load-bearing walls of the object are of stone and floors are of wood or metal or vice versa.
Wood – the load-bearing walls of the object are of wood and floors are of wood or metal.
Please enter the year of construction of the object. Insurance is provided for objects that are up to 40 years old. For buildings which have a stone structure, the age limit is 50 years.
Please enter the total area of the insured object (sometimes also called the closed net area).
Please select the level of internal decoration.
In the case of the “standard” option the reinstatement value for an apartment is 380 EUR/m2 and for a private house 770 EUR/m2; in the case of the “exclusive” option the reinstatement value is 480 EUR/m2 and 1080 EUR/m2, respectively.
Please enter the sauna's total area if the sauna is located on the insured territory as a separate building. A sauna located in a flat or in a private house is insured along with the building.
Please enter the sum of the total area of the auxiliary buildings (feed shed, barn, garage, etc.).
Household insurance is an additional cover of all risk insurance, which provides cover for movable assets in the insured apartment/house. Under the sum insured the property is divided into groups:
furniture accounts for 40%,
electronics for 15%,
household appliances and tools for 15%,
clothes and footwear for 15%,
hobby equipment and
valuables for 10% and other property for 5%.
Please fill in the amount if you would like to increase the insurance coverage for electronics (15% of the household insurance sum by default). The sum to add can be up to 25% of the sum of household insurance (in the case of a sum insured of euros 7,000 up to euros 960, in the case of euros 15,000 up to euros 2,000, in the case of euros 20,000 up to euros 2,900).
Liability insurance is designed to cover unintentional injuries on the premises and unintentional damage to other people’s property additional insurance, e.g. the downstairs neighbours’ apartment is indemnified for the damage caused by a water accident upstairs.
Part of building
Year of construction
Interior finish level
Sauna (total area)
Auxiliary buildings (total areas)
Sum insured of household insurance
Civil liability insurance
Object's sum insured
Sum insured of the sauna
Sum insured of the auxiliary buildings