Don't let a single incident disrupt your financial stability
insure your apartment and protect yourself from unexpected expenses
Apartment insurance is not just about compensation. It also provides practical support in everyday life. When an incident occurs, you can often receive specialist help, for example, a plumber or electrician for urgent damage repair.
If the apartment was purchased with a mortgage, apartment insurance is a mandatory requirement from the bank. It ensures property protection against damage and serves as an important condition of the loan agreement.
When renting out an apartment, apartment insurance also protects the owner.
Apartment insurance provides support in moments when everything happens unexpectedly: fire, flooding or theft.
It helps recover faster after an incident, cover losses and return to your usual rhythm of life without unnecessary financial burden.
Incidents in an apartment can also affect others, for example, flooding neighbors or damaging common property. Civil liability coverage will protect you from claims and unexpected expenses.
Fill out the application form. It will only take a few minutes
We will process your request and send you offers to choose from
You can pay for the selected policy using a convenient payment system
After payment, the policy will be sent to your email. Everything is done remotely
The client returned home and found that a water pipe had burst in the bathroom. Water flooded the floor, damaging the laminate in the living room, and leaked onto the ceiling of the neighbor below. Thanks to apartment insurance, the costs of floor repair and neighbor's damage were covered.
After a thunderstorm, a voltage surge occurred in the client's apartment building. The household appliances did not have additional protection installed. As a result, the TV, router and dishwasher burned out. The client reported the insurance claim and received compensation.
While cooking dinner, the client went to another room and forgot. The oil in the pan overheated, causing an open flame and heavy smoke. The fire was extinguished on their own, but the stovetop, extractor hood, wall tiles and ceiling coating were damaged.
The client was doing a small renovation in the bathroom. Mounting a shelf on the wall. While drilling, they accidentally pierced a water supply pipe, and within a few minutes water flooded both their apartment and the one below. Thanks to insurance, the repair costs were covered.
Apartment insurance provides protection against risks such as fires, water leaks, theft and other unexpected situations that can cause significant losses. Even if insurance is not a bank requirement, it is important for protection against unexpected expenses.
Apartment insurance covers the apartment structure: walls, ceilings and floors, as well as equipment and belongings: furniture, household appliances and electronics if damaged or stolen. It also covers losses from liability to third parties.
A deductible is the amount you pay yourself when a loss occurs before the insurer covers the rest. For example, if your loss is 500 EUR and the deductible is 50 EUR, you pay the 50 EUR and the insurer covers the remaining 450 EUR. A deductible helps reduce the cost of the policy.
Yes, the apartment owner can insure the property even if it is rented out. However, the insurer must be notified about the rental, as a standard policy may not be suitable for this situation.
Apartment insurance protects your interior finishes, personal belongings and civil liability towards neighbours. The policy covers losses from fires, water leaks, theft, vandalism and natural disasters. For example, if a pipe bursts in your apartment and floods the neighbour's ceiling, the insurance will cover both your repair costs and your neighbour's.
Agento compares apartment insurance offers from multiple Latvian insurers: Balta, BTA, Balcia, Compensa, ERGO and BAN. Comparison is free and takes just a few minutes. Choose the coverage that suits you and purchase the policy online.
Apartment insurance is especially important if the property was purchased with a mortgage, as the bank may require mandatory insurance. For a private house or cottage, consider house insurance. If an incident occurs, learn how to file a claim with your insurer.
Choose your insurance company and submit a claim without unnecessary hassle
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