Property insurance

Household insurance - Pazikuća

"Pazikuća" - insurance that protects your home from unexpected living space challenges!

"Pazikuća" provides you with protection against unforeseen events that can threaten your home, for this reason we have created a unique protection for your property - an insurance package that includes various everyday risks such as fire, theft, storms, and even earthquakes. For this reason, take advantage of the opportunity to insure your apartment, house and belongings with an annual insurance premium that is negligible in relation to potential damage.

"Pazikuća" refers to insurance:

• family houses and condominium ownership (ownership of an apartment or some other object);
• household items;
• auxiliary buildings.

Depending on your requirements, possibilities and personal preferences, you can choose one of the three "Euros" property insurance packages, "PAZIKUCA":

• Pazikuća - Standard
• Pazikuća – Extra
• Pazikuća - VIP

With insurance according to these Terms and Conditions, and within the package of contracted coverage, it is possible to contract:

• Will insure single-family homes or condominiums.
• Insurance of household items.

Also, in this package, only insurance for real estate can be arranged, as well as individual insurance for movable property only

Insurance of small and medium-sized enterprises - SME

Insurance for small and medium-sized enterprises - key support in business challenges!

Entering the business world is like starting a journey - it is full of challenges and uncertainties. For SMEs, this journey can be even more challenging, with many risks on the road to success. This is exactly where small and medium business insurance comes in - providing protection against unexpected events that could threaten your business. Let this insurance be your ally on the road to stability and progress, providing you with security as you build your way to success.

This is why this business package was created, which represents a special offer for the property of small and medium-sized companies.

This package includes insurance items:

• for construction objects and other real estate;
• mobile things;
• stocks of goods, raw materials, semi-finished products and finished products;
• fixed windows on the insured building;
• money and other values.

Additionally can be negotiated: belongings of employees and third parties, insurance of business books and valuables, insurance of underground and overhead cables.

Activities that can be contracted under the MSP package: trade, hospitality, crafts, health and intellectual services, graphic companies, as well as processing companies.

Depending on your requirements and possibilities, it is possible to contract two packages:

• MSP Biznis Standard - insurance of immovable and movable property, stocks, raw materials, semi-finished and finished products, glass and money against various risks
• MSP Business Extra - includes all risks like the MSP Business Standard package, but extended to risks that are separately contracted:
  • Breaking machine
  • Flood, torrent and high water
  • Responsibility from the activity
  • Increased sums for spillage, burglary and broken glass.

Insurance against fire and some other dangers

Fire insurance - Your safety ally!

Damage caused by fire or other perils covered by this type of insurance can have a devastating effect on your business. The consequences of such events can threaten the stability of your company in the long term. Every year, in our country, a large number of fires and explosions are recorded on private property and in various business facilities. Most of these incidents occur in residential buildings and workplaces with large numbers of people, such as factories or other manufacturing facilities.

Therefore, fire and other peril insurance is a key safety net for your home or business premises, providing protection against sudden disasters that threaten the safety of your property. This insurance ensures financial support and a sense of security in situations that are unpredictable.

The subject of this type of insurance refers to:

• various construction objects and other immovable properties (including all their parts): residential objects, objects of industrial and craft organizations, objects of agricultural farms, roads, ongoing investments and various other objects;
• furniture, machines, appliances, devices and other equipment, tools, etc.;
• stocks (materials, unfinished and finished products, goods and fixed assets in preparation).

In addition to these listed items, it is possible to separately contract: insurance of sports fields, money and securities, railroads, bridges, things at exhibitions, etc.

Property insurance policy against fire and other perils provides protection against the basic perils of:

• fires and lightning strikes;
• explosions, except for a nuclear explosion;
• storms;
• city (fights);
• hitting his own motor vehicle and his own mobile work machine into a secured building;
• aircraft crash;
• manifestation and demonstration.

If a separate agreement is made and an additional premium is paid, the protection is extended to one or more permissible risks, such as: floods, torrents, landslides, snow avalanches, self-ignition of stocks, pressure of snow masses, intrusion of rainwater, etc.

If the item is destroyed or missing, the value of the insured item is reimbursed up to the insurance amount. If damage has occurred, the costs of repair (labor and material) of the insured item are reimbursed. In addition to this, compensation for costs incurred during clearing and demolition in connection with the insured event is also made.

Earthquake insurance

Earthquake insurance is a shield that provides financial protection in the event of a natural disaster that could seriously threaten your property. In light of the unpredictability of nature, this insurance becomes essential to protect your home or business from potential damage that may occur due to ground shaking. Given that we live in a relatively fragile area, insuring yourself against this type of risk is a great move.

The great advantage of this type of insurance is that, in the event of an earthquake and possible damage to your property, instead of a potential total loss or additional debt, the payment of damages allows you to carry out repairs or reconstruction without additional financial burdens through the payment of damages. With that, let us explore how earthquake insurance becomes your ally in protecting your property in the event of natural disasters.

This insurance provides insurance protection against earthquake risks, including post-earthquake fire. Additionally, with an additional premium, this insurance also provides coverage against business interruption due to an earthquake.

The insurance covers damage caused by an earthquake when the strength of the impact is equal to or greater than 5 degrees on the Mercalli scale, which occurs on the building and movables that are insured.

Earthquake risk insurance is contracted as additional insurance when:

• conclusion of basic insurance against fire and some other dangers, to which you can also add the risk of an earthquake;
• conclusion of the combined household insurance "Pazikuća" when you can extend the coverage to include the risk of earthquakes.