Property insurance

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.

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 fora year! A deductible of EUR 0 will apply to all insurance risks.

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

This insurance can be obtained together with Private Property Insurance!

Insurance product information document 

Insurance product information document 

Insurance product information document (version applicable to policies issued after 04.04.2022)

Insurance product information document (version applicable to policies issued after 04.04.2022)

Private Property Insurance Terms and Conditions

Terms and Conditions No 0801.01  (version applicable to policies issued after 04.04.2022)

Terms and Conditions No 3F-3  (version applicable to policies issued after 01.07.2015)

Terms and Conditions No 3E-3  (version applicable to policies issued after 01.12.2015)

Private Property Assistance Package

Terms and Conditions No 0802.PAL1  (version applicable to policies issued after 01.09.2020)

Terms and Conditions No 1  (version applicable to policies issued after 01.04.2016)

General insurance terms and conditions

Terms and Conditions No 4  (version applicable to policies issued after 18.03.2019)

Terms and Conditions No 3  (version applicable to policies issued after 13.12.2011)

• Extended warranty
  Insurance covers electronic devices (household appliances, electrical devices, electronic devices, computer equipment), which have been purchased new, without defects, with the manufacturer's warranty of not less than 24 months, and are used in the household. During the extended warranty period, BTA will indemnify for losses due to product defects, which would be considered as warranty cases according to the manufacturer's warranty.
  The extended warranty takes effect at the end of the manufacturer's warranty period and shall be valid for another two years (24 months), ensuring indemnity in the case of the device getting damaged, when the Insurance Object needs a repair that meets the warranty repair provisions; Indemnity limit EUR 1,000.
  
  
• Loss of rental income
  - BTA will pay insurance indemnity for loss of rental income, when it is caused by damages, destruction or loss of the insured real estate;
  - demonstrable rental income will be reimbursed for no longer than 12 months after occurrence of the Fire risk, while the maximum reimbursement period in the case of occurrence of other insured risks – 1 month;
  - rental income shall not be reimbursed if the Insurance Object is not going to be restored.
  
  
• Electricity risks
  Electricity risks – power outage, overvoltage, overload, short circuit induced by an accident. Insurance cover applies to electrical devices that are powered by electric current.
  
  
• Loan payment insurance
  - BTA will pay Insurance Indemnity in the amount of the mortgage loan payment for the insured real estate, if its damage, destruction or loss has occurred as a result of the Fire risk occurrence and dwelling therein is not possible;
  - the demonstrable mortgage loan payment will be reimbursed until the moment when the property is fully restored, but not longer than 6 months and the indemnity limit shall be EUR 3,000 per a single insured event.
  
  
• Assistance package plus – (standard assistance package with a limit EUR 350 + Hate alert cover with a limit EUR 500)
  Hate alert – BTA will cover the expenses for the assistance of a psychologist, psychotherapist and the expenses for legal services, incurred in connection with an online insult or slander of the Insured or the Insured's family members*; hate speech against them, cyberbullying, cybermobing, hooliganism in the cyberspace, aggressive, abusive online activities (such as comments), blackmailing; unsolicited dissemination of false or unwelcome (private) information/photographs on the Internet; deepfake (an image processing technique that allows a face to be adjusted to another body); other violent activities online against the Insured or the Insured's family members (on the Internet or in social networks).
  
  * Family members of the Insured: spouse or a person, with whom the Insured shares a household, persons, for whom the Insured bears civil liability (minor children of the Insured, and other persons for whom the Insured bears civil liability pursuant to the Civil Law of the Republic of Latvia).