Why home insurance is a better decision and what you should know before you make one

In case of indoor flooding and ruined floors and furniture, repair costs may go up to several hundred thousand dinars. It may happen that due to cracked pipes or valve damage the water from your apartment seeps through to your neighbor`s apartment. In that case, you are responsible for repairing your neighbor`s property.

Break-ins usually occur in the summer when a lot of people are absent from their homes. If you haven`t yet been targeted by a burglar it doesn`t mean you never will.

Extreme weather conditions are growing in frequency and may cause extensive damage. For instance, an indirect lightning strikes may destroy electrical equipment and direct strikes may induce a fire on the residential wiring.

If you forget to turn off a burner on your stove or if you use faulty appliances, one careless moment can turn into a serious breakdown.

Strong winds may break window blinds or glass doors in an apartment and any glass surface may be subject to damage if your or a neighbor`s kid`s ball flies at it.

All of the mentioned and many other risks are covered by home insurance.

Buildings insurance and home contents insurance are two different things.

Buildings insurance covers all physical parts of your property such as flooring, building foundation, walls, installations (if they are insured), outbuildings and fences (if they meet the predetermined conditions). Buildings insurance doesn`t cover damages to items within your household such as furniture, appliances, clothes and shoes, jewelry ans art. Those items are covered by home contents insurance. Buildings insurance and home contents insurance can be bought separately or as a combined policy. Your property will only be insured in full when you get combined buildings and home contents insurance.

Damages are quickly and easily reported – online, by email or phone

When you`re taking our an insurance policy you first need to get well-informed about your rights in case of loss. That is why it is necessary to consult an insurance consultant when choosing your coverage plan and type of insurance, who will explain in detail what each insurance policy covers. All damages may be reported through an online form, by email or phone, quickly and easily, and if your policy covers that specific loss it will be compensated promptly.

Price of property insurance isn`t as high as many think

One of the most common reasons given for not contracting property insurance is that it`s too expensive. To prove that this claim isn`t true, we calculated that you can insure a 60-square-meter apartment for as little as 5 euros per month with our Komfort policy that includes household insurance, buildings insurance and home contents insurance or, in other words, you will pay as little as 1 euro per square meter of your property, depending on the type of insurance policy you contracted. Anyone can easily calculate their chosen coverage and insurance premium in UNIQA`s webshop where you can buy insurance or you can visit one of UNIQA`s sales offices and contract your insurance policy there.

“Better decisions always sound smart" is the slogan of UNIQA`s new regional digital marketing campaign for home insurance, which started simultaneously in all countries of the UNIQA SEE region: Serbia, Croatia, Bosnia and Herzegovina, Montenegro and Bulgaria. The aim of the campaign is to raise awareness of the importance of home insurance.

In accordance with the umbrella UNIQA slogan "living better together", in this campaign UNIQA advises and encourages people to make better decisions, comparing home insurance with things from everyday life for which we are willing to spend money without much thought, even though they often cost more than the monthly home insurance policy.

The campaign says that "better decisions always sound smart", and the decision to insure a home for as little a 5 euro per month, which is, for example, the monthly insurance premium for a 60-square-meter apartment is not a luxury, but one of the most important life investments.

All property owners can decide for themselves whether they want to protect their most valued possession or pay for the consequences of harmful events. Better decisions always sound smart.