Martin GagoCar insurance · Košice
EN
A home needs more than one sum insured

Property insurance in Košice

Let’s distinguish the building, its contents and damage you cause to others. We’ll also check cover under other contracts, such as a shared building policy.

Review my home insurance

Three areas of cover

The building and its fixtures, household contents and liability each serve a different purpose. The specific contract always determines the scope.

The right sums and limits

The purchase price is not automatically the right sum insured. We’ll check the valuation, underinsurance and changes after renovation or buying new contents.

  • Sums insured and specific limits for individual risks.
  • The scope of cover for water damage, natural hazards and theft.
  • The excess, security requirements and duties when a loss occurs.

How you use your home

An owner-occupied home, a rental and an unoccupied house all require accurate details. If the use changes, we’ll also check tenants’ belongings and liability towards neighbours.

One point of contact. Directly with me.

Review my home insurance

I’ll call you and also send the specific options by email.

Martin Gago0950 638 350

[email protected]
By phone or online.

Platanová 404/5, 040 01 Košice
correspondence address only.

Let’s arrange a consultation.

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Questions before you decide

Good to know

Is insurance arranged through the building manager enough?

First, find out exactly what it includes. A shared policy may not cover your contents, all alterations to your flat or personal liability.

What does underinsurance mean?

The sum insured may be lower than the value required under the contract. This can affect a claim payout; the insurer’s specific rules determine the outcome.

Is the loss model an insurer’s offer?

No. It illustrates a selected principle using simplified assumptions. The actual payout depends on the contract, limits, exclusions and assessment of the event.

Information source: NBS – Home insurance. This is a general explanation; we’ll discuss the specific terms during a consultation.