Property insurance

With BTA property insurance you give yourself and your family a sense of security!

Your house insured, but not just the house?

Yes, with BTA Property Insurance you can insure not only the house, but also everything inside it, against various risks. And then also your smartphone and bicycle will be insured even when it's with you away from your home.

How much are your gadgets worth?

With BTA Property insurance, your smart devices are insured both at home, and outside it.

Gadgets are insured irrespective of where they have been purchased
All devices of your family are insured
An ideal extra product – in case any device gets broken outside home

Have you insured your bicycle?

How much is your bicycle worth?

Your bicycle is insured together with the movable property
Covered, even if stolen outside the territory of your home
Ease your daily life of trouble, enjoy focusing on what really matters!

24/7 property assistance package

Need urgent help? We’re here to help you!

Locksmith, plumber, handyman, etc.
Physical security of the property
We’re here for you around the clock

Frequently asked questions

We insure all types of property:
  • apartments;
  • residential buildings, including amenities, such as fences, gates, sheds, paths, etc.;
  • auxiliary buildings (household buildings, garages, bath-houses, etc.).
  • movable property (furniture, clothing, household appliances, interior elements, sports equipment, 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

  • 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).

It is important for us to support you if an accident happens to your pet! BTA compensates losses if the animal dies or euthanasia is necessary as a result of the insured risk.

Choose the most suitable cover* for 5 EUR or 10 EUR per year! Deductible - 0 EUR

* Insurance can be purchased together with 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)

We'll get in touch with you!

Fill in the application and we will contact you on the desired topic.

* Fields with an asterisk are required.

I would like to receive personal offers and marketing information by e-mail.

I confirm that I have read the Privacy Policy.

{{coveredPopup.title}}

{{coveredPopup.description}}

{{item.badge}}
{{item.title}}
{{formattedPrice(item.price)}}
{{item.title}}
{{sparsePrice(price, true)}} €

{{coveredPopup.title}}

{{coveredPopup.descriptionCasco}}

{{coveredPopup.descriptionMtpl}}

Deductible CASCO
{{title | translate}} {{value}}
Insured risks

We at BTA, indemnify traffic damage caused by the party who has taken out motor insurance and the cost of medical treatment for third parties (owners of other vehicles, cyclists, pedestrians) and damage to property of third parties.

{{coveredInfoTextMtplWithRoadAssistance}}

{{value | translate}}

{{coveredPopup.title}}

{{coveredPopup.description}}

{{translation('one_property_covered_deductible')}}{{coveredPopup.deductible}} €
{{translation('one_property_covered_risks')}}
{{localized(value.tooltipDescription)}}

Let us remind you

{{productReminderMessage}} {{productReminderDate}}.

I agree to receive special offers and information
popup_year_of_driver_license
btar_popup_vehicle_data

{{ fieldsPopupHeading }}

{{ cmsFields.youngestDriver.label }}
btar_age_not_in_range
no_youngest_driver_age_error_message
{{ cmsFields.drivingExperience.label }}
no_driving_experience_error_message
{{ cmsFields.territory.label }}
Please specify territory
{{ cmsFields.drivingExperienceLessThanThreeYears.label }}
Please specify driving experience
{{popup.textTitle}}
Please wait!

We need few seconds to calculate best prices for you, you don’t even have time to read this message :)

Upload vehicle photos

Uploading pictures is easy! Upload pictures of the vehicle immediately and full insurance coverage is guaranteed.

Cookie
Cookies
Cookies Settings
Cookies settings
This website uses cookies that are strictly necessary for this website to work.
With your consent, this website may additionally use statistical and marketing cookies.

If you accept all cookies, please click "Allow".
If you wish to refuse cookies, please click "I don't agree". You can manage your preferences by clicking "Customize preferences".

For more information, please see our
Cookie Policy
For more information, see our
Cookie Policy

Functionality (necessary) cookies

These cookies are necessary for the operation of the website and cannot be disabled. These cookies can be divided into session cookies and persistent cookies, which do not store personally identifiable information. Session cookies are deleted as soon as you leave this site.


Statistics cookies

These cookies are used to measure the use of the website and traffic sources to obtain information required to improve the website’s performance. These cookies help us to determine – which sections of the website are the most popular and learn about our users' browsing habits. For this purpose, we use the Google Analytics statistics engine. All information collected is anonymous and cannot be used to identify you.


Marketing cookies

These third-party cookies are used to display personalized ads according to your preferences. We use cookies to help us collect information about your usage habits on this website and to allow us learn of your interests so that we could show you only ads that are relevant to your usage habits. In case you prefer us not to show you any ads, leave this menu check-box blank.