Residential Insurance "HOME COMFORT" from Generali
Because your home is unique and priceless, you take every precaution necessary to safeguard it and its valuable contents from any kind of loss.
The insurance policy for your home offers you the listed below description of items that your "Home Comfort of Generali Hellas" policy covers.
Fire – Thunderbolt – Explosion – Smoke
We apply full coverage of damages that are a result of:
A Fire (ex: thunderbolt, forest, negligence, short circuit)
Trying to put out a fire.
All kinds of explosions (in and out of the insured area).
Smoke (because of fire)
Damages caused by the boiler
Disturbance / Disorder of Public Order, Criminal and Terrorism Actions
Full coverage of damages which are caused by direct or indirect actions:
Actions of Authorities for Suppression
Natural Happenings – Leakage – Breakage of Pipes – Overflow in Installations
Full coverage of damages which are caused by:
Storms – Wind storms
Hail or Snow storms
Coverage is also included for damages caused by pipe leakage for detected the damage and restoring the pipes of water, heating, air-conditioning and sewerage. (This applies to damages of sewerage in buildings up to 20 years old.)
For every damage that is caused by natural happenings, there is an exemption of 10 % of the entire damage and an exemption of 450 Euros at the least.
Theft and Burglary
There is coverage for the damage that is caused to the insured items (building or contents) which is because of theft / burglary while trying to steal.
In case that the coverage is only of the interior damages, there's a coverage of 3.000 Euros for damages totalling in the insured year.
Coverage of Money Lose
There is a coverage for money stolen or robbed up to the amount of 300 Euros for every damage totalling in the insured year.
Costs for Physical Support
Expenses for physical support of the insured or the members of the family, after an incident of robbery or burglary, up to the amount of 300 Euros for every damage totalling in the insured year.
Coverage for renewal of passports, identifications or driver's licenses
There's full coverage for renewals of passports, identifications and driver's licenses that have been stolen and up to the amount of 300 Euros for every damage totalling in the insured year.
Coverage of damages that are cause by:
Collision of cars
Airplane crashing, falling of trees, branches, street posts, live wires.
Sudden breakage of glass up to the amount of 6.000 Euros for every damage totalling in the insured year.
Breakage of mirrors for whatever kind of reason up to the amount of 300 Euros for every damage totalling in the insured year.
Spoiling of food in the refrigerator up to the amount of 300 Euros for every damage totalling in the insured year.
Coverage of damages which are caused by solar panels that can endanger the insured
There is coverage for loss of rent that the insured (owner of the property) will receive up to the amount of 5.000 Euros for a period of 6 months in case the insured property has been declared unsuitable for living.
Extra benefits as consequence for material damages
In case one or more than one of the insured damages occur, covered are:
The expenses to restore ruins or to replace damages up to the amount of 6.000 Euros for every damage totalling in the insured year.
Coverage of staying in another house (renting) for a period of 6 months, when the insured house has been declared unsuitable for living, for the amount of 6.000 Euros for every damage totalling in the insured year.
The expenses for moving (transportation), staying and settling in to the new house for a period of 6 months after the insured house has been declared unsuitable for living, up to the amount of 1.000 Euros for each damage totalling in the insured year.
Loss or damage of belongings during the transportation to another home
There is a coverage for all damaged or lost belongings during transportation to another home of up to 10.000 Euros for each damage totalling in the insured year.
Coverage of belongings kept in a bank safe
There is coverage of damages or theft to the belongings kept in a bank safe up to the amount of 10.000 Euros for every damage totalling in the insured year.
Covered is the public obligation of the insured for bodily harm or material damage which he does upon others up to the amount of 30.000 Euros for every damage totalling in the insured year for mistakes or omission as an owner or renter of the insured home and as the owner of household pets.
Payment of mortgage for the home
Coverage of payment of the instalments of the mortgage (refers to owner) in case the house is declared unsuitable for living providing an amount up to 500 Euros for a period of 6 months.
Expenses for research and issuing permits
Coverage of expenses of issuing permits for construction, fees for architects, political mechanics because of damages that were caused by one of the mentioned above covered by the company.
Adjustment of the insured value because of inflation
Coverage of damage done to the insured property directly or indirectly because of earthquakes, and/or fire, tidal waves as the result of after quake events (tsunami). For every damage there is a 2 % exemption of the total capital of the insurance policy (property and/or belongings) with the least amount of 1.000 Euros.
Subsidence / Slippery
Coverage of damages done to the insured property or the belongings due to sudden subsidence, slipperiness or rising of the ground where the property is situated. For every damage there is a 2 % exemption of the insurance policy (property and/or belongings) with the least amount of 1.000 Euros.
Electrical Installations – Appliances
Coverage of damages up to a total of 400,00 Euros for every damage totally in the insured year
when damage is done to the insured property by electrical malfunction (not the machine) to machinery, electrical appliances and/or installations or tools or other objects of any kind (for example elevators/lifts) which operate by electricity and are caused by over charge or by short circuit, heating, development of toxic and live electrical output.
Objects on the exterior of the property
The insurance policy also covers damages that are caused in case of danger:
The exterior area of the building or special structures (fenced walls, gates, garage, veranda roofs) which are directly connected to the insured home up to the amount of 5.000 Euros.
The objects of the exterior of the property (tents, and accessories of the tents up to 6 years old, fuse boxes, aerial installations) up to the amount of 2.000 Euros .
The objects that are found in the area of the property or under awning, in the grounds of the property of the insured up to the amount of 2.000 Euros.
For objects or belongings found in the insured property damaged by wind, rain, hail, snow, ice, flooding, dust or theft without evidence, are not covered in the insurance policy.
Jewellery and valuable belongings
Coverage of jewellery, valuables that are kept in safe boxes in the insured property in the residence up to the amount of 3.000 Euros and the jewellery kept out of the safe, up to the amount of 300 Euros for every damage totalling the insured year.
Insurance of Electronically Equipment
Coverage of electronically equipment from every type of danger up to the amount of 3.000 Euros for every damage totalling the insured year. There is an exemption of 100 Euros for every damage.
Illegal use of a credit card by a third person
Coverage of the amount stolen will be decided upon by the law because of illegal use of the insured person's credit card or by some other member of the family, in case of theft up to the amount of 200 Euros for every damage and 1.000 Euros during the insured year.
All the insured objects are covered up to the amount of 3.000 Euros per item except if otherwise agreed in written form on the insurance policy.
Evaluation in case of damage:
Property: Value upon construction
Belongings: Value of a new replacement.
Total of the annual Insurance policy
This is of a brief introduction of the policy and not the actual "Insurance Policy." In detail introduction can be found in the actual "Insurance Policy."
This agreed upon policy will be effective 30 days from the day it is printed out under the conditions that there will be no changes made of the agreed to or the conditions of danger or of the company's invoice note till the payment and certification of the policy.
Annual Gross Premiums
For every 1.000 Euros of insured capital, the annual premiums are as follows:
- 1,10 Euros (building)
- 2,20 Euros (contents)
- 1,80 Euros (earthquake)