Private Property Insurance

Buy policy in BTA portal

Unfortunately, we cannot always avoid accidents, such as fire, natural disasters, thieves, or irresponsible neighbours. Your home may be instantly damaged or completely destroyed in an accident. Home and property insurance will protect you from unnecessary worries and expenses in unexpected situations, and help you get back to your normal pace of life quicker.

A good master insures not only his home, but also his pet. Take care of its safety and health the same way as for yourself and your home! Purchasing Home insurance grants you very good conditions to pet insurance, so, insure your pet – your family member! Your pet is important to us!

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Why to choose BTA Private Property Insurance?

Our advantages:

  • We provide individual approach to each client by offering property insurance coverage that meets the requirements established by banks, and also a very wide additional coverage.
  • If you insure your home against the principal risks, we will, at no additional charge, indemnify the agreed amount of your expenses for sewerage system repairs, damage to amenities, such as fences or gates, as well as cover the expenses for rental of a temporary place of living in case living in your home is temporarily not possible due to an accident.
  • If you insure your movable property or belongings against the principal risks, we will, at no additional charge, indemnify the agreed amount of your losses associated with property damage, loss, or destruction outside your home (e.g., theft).
  • If you travel outside Latvia (including far-away countries) often, we can offer you movable property insurance which is valid in nearly the entire world.
  • If you are a thoughtful owner and have security systems installed in your home (alarm, smoke detectors, etc.), we will offer discounts.
  • In case of an accident, we will process your indemnity claim swiftly, and, in case of small damage, you will be able to receive your indemnity already on the same day or within just a few days.

What property can be insured?

We insure all types of immovable property:

  • apartments;
  • residential buildings, including amenities, such as fences, gates, sheds, paths, etc.;
  • auxiliary buildings (household buildings, garages, bath-houses, etc.).

Insurance of a building or an apartment includes insurance of the external and internal finish, household utilities (pipelines, wiring, heating, ventilation, and conditioning systems, etc.) as well as other integral parts of your home.

Homes can also be insured for the time of repairs, reconstruction, or building operations.

We offer insurance for the following belongings or movable property, either in addition to immovable property insurance or separately:

  • electric appliances (audio, video, or TV technology, photo and cinema systems, means of communication, household appliances, including refrigerators, freezers, dishwashers, microwave ovens, stoves, steam exhaust fans, washing machines, dryers, etc.);
  • computers and their accessories (tabletops, laptops, portable computers, tablets, monitors, printers, scanners, computer audio systems, external memory units, modems, etc.);
  • furniture (tables, chairs, cupboards, including built-in furniture, working tables, etc.);
  • interior and household items (carpets, curtains, cutlery, tableware, lamps, decorative items, household items, work tools, etc.);
  • sports and recreation items (bicycles, exercising equipment, skis, snowboards, roller-skates, musical instruments, fishing items, etc.);
  • footwear, clothing, and accessories (all types of clothing, including furs, wrist watches, spectacles, jewellery, etc.);
  • other items. 

Pet insurance

Your pet is important to us! If you have to go somewhere, often your pet stays home alone. Take care of his safety and health the same way as for yourself and your home!

Choose the most suitable policy for your pet for EUR 5 or EUR 10 a year! A deductible of EUR 0 will apply to all insurance risks.

This insurance can be obtained together with Private Property Insurance!

What risks are included in insurance?  
Policy price:
 
5 € 10 €
Sickness risk
 
100 200
Injuries risk
 
100 200
Birth risk
 
100 200
Unlawful activity of third parties
 
100 200
Fire risk, natural disaster risks
 
100 200
Other animal attack
 
100 200
Poisoning with poisonous substances
 
100 200
Bite of venomous animals or insects
 
100 200
Getting under a vehicle
 
100 200


Insurance applies only to cats and dogs in the age from 6 months to 12 years.

BTA compensates direct losses if animal’s death has occurred or the insured risk occurrence requires euthanasia. 

Send pictures and get a 10% discount

Send us recent pictures of the property to be insured and get an extra 10% discount

To get this discount, send recent pictures of the property to be insured (taken at the moment when insurance proposal is prepared) to your BTA point of contact.

Make sure that:

  • the property to be insured is clearly visible in the pictures,
  • and the pictures contain the date of taking them:
  • if the insurable object is a building, then at least 4 pictures of its outside view from various angles are required:
        
  • preferably, the pictures display the building’s address (street name, house name, number), as well as its interior premises:
  • if the insurable object is an apartment, then pictures must display the interior of the apartment, including all the rooms to be insured:
        

 

Property Assistance Package

A fast-response solution, enabling the receipt of emergency assistance to bring under control or fix damages caused by a sudden and unexpected accident to a flat, building or a part of a building, and to avoid further losses. We will provide you with the services of handyman, plumber, room cleaning, security, expert consultations advice over the phone and lock service.

The Assistance Package is in effect around the clock and is available in the territory of Latvia.

Get the Assistance Package and you will receive help or advice in situations that require a response right here, right now!

Call 26 12 12 12

  • Consultations over the phone

    - We will give you advice – what to do in case there is an emergency situation at your home;
    - We will connect you with the required service, for instance, with a plumber, when a water pipe has burst.
     
  • Lock services

    - We will take care of opening a lock in a situation, when your keys are lost and entering home is not feasible;
    - In case the problem is a mechanical or third party caused damage to the lock, precluding opening the door, a handyman will come to your place.
     
  • Emergency maintenance, sanitary works

    - Emergency maintenance service will arrive at your place in the case, for instance, there is water or sewerage leakage at home.
     
  • Plumber services

    - Plumber will fix a fissure and leakage in the case, for instance, a pipe of the heating system or waters supply system has burst, and will furnish you with a temporary solution.
     
  • Handyman

    - Handyman will help you when a window at your home has got smashed;
    - Will furnish with a temporary solution, for instance, when a storm has damaged the roof of your home or a falling tree has damaged a part of the building.
     
  • Security

    - We will provide a physical security, in case an accident has left your home in a state where third party access control to the premises cannot be guaranteed, when the owner is unable to take care of it. For instance, in cases when a window is smashed, the door of a balcony or to the house has become stuck or forced open.

     

 

Insurable Risks

The risks listed in the table refer both to immovable and movable property!  
Principal risks:​
 
   
Risk of fire
Fire, explosion, lightning strike, fall of aircraft or their cargo; the insurance coverage also includes damage caused by soot, smoke, and extinguishing, provided that they have been caused by fire.
Leakage of fluid or steam
Utility (e.g., water supply, sewerage, heating, rainwater removal, ventilation, household system etc.) emergencies, freezing of an indoor pipeline with subsequent rupture of the same, flooding caused by neighbours.
Damage caused by natural disasters
Tempest, hail, effects of snow as result of heavy snowfall, falling of trees, masts, poles, or parts thereof.
Illegitimate activities of third parties
Theft, robbery, intentional property damage caused by other persons, vehicle impact.
Broken aquarium
The coverage includes breakage of an aquarium and damage thus caused any other property.
Exposure to paint
Example: spillage of pain and consequential damage to property upon opening a paint can.
Draught
The coverage includes damage to doors or windows by draught.
Breakage of glass panels/glazing
Unexpected breakage of glazing/glass panel.
Any other event not mentioned as an exception in the terms and conditions.
Example: a hole is punched in a wall while moving a sofa, or the client trips over something and tips over and damages a TV set.
We offer insurance against the following additional risks for extra safeguarding:
€ - at an additional charge
The all risks policy includes the additional risks at no additional charge, whereas inclusion of any risk in the coverage of a policy which meets the requirements set by credit institutions may be for a fee.
   
Exposure to smoke
Damage caused by sudden escape of smoke from a heating, boiling or drying system (e.g., escape of smoke from a stove with resulting damage to the ceiling by soot).
A shock wave created by a supersonic aircraft
Direct impact of a shock wave created by a supersonic aircraft on the property (e.g., a shock wave created by a low-flying aircraft breaks the windows of a property).
Flooding and high water
Unexpected flooding of a certain territory caused by water spilling over any open watercourses or pools or breaking any dams. dikes, or banks/embankments.
Icing of surface utility lines
Property damage caused by formation of more than 10 mm of ice on any surface utility lines (e.g., ice builds on a power line between two buildings and the line breaks).
Earthquake
Property damage caused by earthquake (of magnitude at least 4.0 according to the Richter scale, or at least 5.0 according to the international shock measurement scale MSK-64).
Landslide, downfall (caving in)
Vertical or horizontal earth crust shifts, except seismic events.
Pungent gases
Sudden exposure to pungent gases or chemical fumes
Fixed bonuses at no additional charge:​
 
 
   
Sewerage system repairs
For example, if a sewerage emergency causes a pipe to burst and the pipe needs to be replaced, we will cover the repair costs up to 500 Euros. 
Damage to amenities
Damage to various amenities, such as fences or gates. If you have insured your private house and a tree falling due to strong wind damages your fence, we will cover the suffered losses in the amount of 5 % of the insurance coverage, but not exceeding 7,000 Euros. 
Expenses associated with rental of temporary place of living in case your home has suffered an accident
If living at home after an accident is not possible, the duly documented expenses associated with the moving to the temporary place of living and the expenses for the rental of another place of living in the amount of 450 Euros per month for up to nine months of the date of the accident will be covered.
Movable property outside home
Damage, destruction or loss of property outside the location of your home which has been caused by the insured risk. For example, if you have insured your movable property, including your bicycle, then, in case the bicycle is stolen, your losses will be indemnified in the amount of up to 500 Euros not only if it is stolen from your home, but also when locked at a shop entrance.
Damage caused by lightning
In case, for example, overvoltage caused by lightning damages your insured TV, we will indemnify the losses up to the amount of 500 Euros. 
Theft of movable property with no signs of burglary
If, for instance, a thief steals some garden furniture from the fenced territory of your private house without leaving any signs of burglary, we will indemnify the losses up to the amount of 500 Euros. 

 

When specifying the insurance coverage you prefer or we recommend, you may include the following protection in your insurance policy at an additional charge:  
Electronic risks
A power cut caused by an emergency or not announced in advance, exposure to electrical current, including damage caused by overvoltage, overload, short circuit, secondary lightning effects and subsequent electronic or electric effects (for example, a sudden power cut damages a computer which has been insured as movable property).
Expenses associated with rental of temporary place of living in case your home has suffered an accident.
If living at home after an accident is not possible, the duly documented expenses associated with the moving to the temporary place of living and the expenses for the rental of another place of living in the preferred amount, but for not more than 12 months of the date of the accident will be covered.
Damage caused by tenants or guests
Damage caused malevolently or by malicious activities of any tenants or guests, such as the state of room repair maliciously damaged by any tenants or furniture intentionally broken by any guests.
Movable property outside home
Damage, destruction or loss of property outside the location of your home which has been caused by the insured risk. For example, if you have insured your movable property, including your bicycle, then, in case the bicycle is stolen, your losses will be indemnified without exceeding the insurance coverage specified in the policy not only if it is stolen from your home, but also when locked at a shop entrance.
Property assistance package
See full description above in section “Property assistance package


!!! Upon filling in the application, we will prepare an offer, indicating the recommended sum of insurance for the property, which the client will be free to increase or decrease, based on the particular property insurance object.

Which territories is the policy valid in?

  • When you insure your private property, the policy coverage territory will be specified in your insurance policy.
  • You can select the insurance coverage territory as necessary – it may be either a particular area specified in the insurance policy, such as your dwelling address, or the territory of the Republic of Latvia, and, in case you frequently go abroad, also an extended policy coverage territory – Europe or the entire world.

Policy purchase options

The Private Property Policy can be purchased using one of the below options:

  • if you fill in the application form available on BTA website, an expert of BTA’s will contact you to find out the required details and prepare the insurance offer, and send it to your e-mail address;
  • you may call BTA Customer Service on 26 12 12 12. During the call, it is also be possible to pay for the policy immediately;
  • you may visit a BTA Customer Service Centre in person;
  • you may contact a BTA agent, insurance broker.

How to proceed in case of an accident?

In case of an accident, please proceed as follows:

  1. in order to perform the rescue operations as well as to document the circumstances and the cause of the accident, please contact the respective rescue service or institution immediately:  
    • in case a person has suffered, call the ambulance on 113 or 03;
    • in case of fire, call the State Fire and Rescue Service on 112 or 01;
    • in case of gas leakage, call the Gas Emergency Service on 114 or 04;
    • in case there is a probability that the accident has been caused by activities of other individuals, please report to the police on 110 or 02 immediately;
    • in case of fluid or steam leakage, please report to the manager of the building (if applicable);
  2. to the extent possible, without exposing yourself to danger, take every effort to save the property and preclude further damage;
  3. to the extent possible after the completion of the rescue operations, try to keep the site of the accident intact and preserve the remains of the damaged insured object;
  4. as soon as possible, please contact BTA Customer Service by calling 26 12 12 12 to receive instructions on how to proceed and to register your insured event.

Use BTA mobile app!
By using BTA mobile app in your smartphone, you will always have our contacts at hand. In case of an accident, our app will enable you to contact the rescue service and also to receive further instructions from us regarding how to proceed. 

Insurance Terms and Conditions

  PDF E-doc*
Private Property Insurance Terms and Conditions    
Terms and Conditions No 3F-3
(version applicable to policies issued after 01.07.2015)
 
Terms and Conditions No 3F-2
(version applicable to policies issued after 07.06.2011)
Terms and Conditions of Private Property All Risks Insurance    
Terms and Conditions No 3E-3
(version applicable to policies issued after 01.12.2015.)
 
Terms and Conditions No 3E-2
(version applicable to policies issued after 12.07.2011.)
General insurance terms and conditions    
Terms and Conditions No 3
(version applicable to policies issued after 13.12.2011)
Terms and Conditions No 2
(version applicable to policies issued after 07.06.2011)

 


* You can open digitally signed documents *.edoc, using the template on website eparaksts.lv. Before checking the necessary document, save it on your computer (we recommend using Chrome, Firefox, Safari or Opera browsers).