Home Insurance

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Starting with 2015, you can purchase an optional home insurance only if you have concluded a compulsory home insurance policy. Find out more details about home insurance from Destine Broker Insurance-Reinsurance in the rows below.

Main elements for a home insurance

the value at which the home is protected. If your home is an apartment, the insured amount must represent its real value or market value. In the case of a house, the insured amount must represent the new value, which should cover the expenses necessary for the complete construction of a similar dwelling.

the insurance price, which is the result of applying a percentage (premium quotation) on the insured amount.

the part of the damage borne by the beneficiary of the insurance policy.

the risks taken over by the insurance policy. The standard risks are fire, lightning, explosion and falling bodies on the insured home. Depending on your protection needs, other risks may be added, such as earthquake, storm, hail, torrential rain, flood, flood, snow / ice weight, avalanche, landslides and / or landslides, groundwater. pipeline and its repression, collision with vehicles and vandalism, destruction caused by animals, theft of goods and construction elements, damage to thermal power plants, other types of additional costs necessary to carry out repairs and others.

events for which the insurer does not pay compensation.

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Compulsory home insurance

Natural Disaster Insurance (PAD) is mandatory for all constructions with permanent or temporary housing, starting from 2010.

The PAD policy covers three risks of natural disaster – earthquake, floods and landslides. The insured amount and the policy price are established in two variants, depending on the type of home:

The insured amount, for type A dwellings (construction or resistance structure of reinforced concrete, metal, wood, exterior stone walls, burnt brick or any other materials resulting from a heat or chemical treatment), with an annual price of 20 euro.

The insured amount, for type B homes (constructions with exterior walls made of unburned brick or any non-heat treated materials), with an annual price of 10 euros.

Compulsory home insurance

Natural Disaster Insurance (PAD) is mandatory for all constructions with permanent or temporary housing, starting from 2010.

The PAD policy covers three risks of natural disaster – earthquake, floods and landslides. The insured amount and the policy price are established in two variants, depending on the type of home:

The insured amount, for type A dwellings (construction or resistance structure of reinforced concrete, metal, wood, exterior stone walls, burnt brick or any other materials resulting from a heat or chemical treatment), with an annual price of 20 euro.

The insured amount, for type B homes (constructions with exterior walls made of unburned brick or any non-heat treated materials), with an annual price of 10 euros.

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According to Law 260/2008, depending on the materials from which they are built, the houses are divided as follows:

Housing type A – construction with resistance structure made of reinforced concrete, metal or wood or with exterior walls made of stone, burnt brick or any other material resulting from a heat and / or chemical treatment, for which the insured amount is 20,000 EUR;

Housing type B – construction with exterior walls made of unburned brick or any other material not subject to heat and / or chemical treatment, for which the insured amount is 10,000 EUR.

Compulsory insurance costs 20 EURO / year for type A buildings and 10 EURO / year for type B buildings.

Owners who do not insure their homes against natural disasters can be sanctioned with fines between 100 and 500 RON.

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Optional insurance of residential buildings

It comes in addition to the compulsory PAD insurance, by covering several risks as well as as a surplus of the insured amount on the 3 risks covered by PAD.

The subject of this insurance is:

  • buildings and other constructions having a residential destination
  • annexes and outbuildings
  • content goods (eg furniture, carpets, clothing, footwear, electronic / household goods, heating / cooling, etc.)
  • buildings and other constructions having a residential destination
  • annexes and outbuildings
  • content goods (eg furniture, carpets, clothing, footwear, electronic / household goods, heating / cooling, etc.) a
  • natural phenomena: earthquake, flood, landslides (for these risks the deductible from the PAD policy of 10,000 / 20000euro is applied)
  • fire, lightning, explosion, body falls, collision by vehicles, sonic boom, atmospheric phenomena (storm, hail), alluvium, weight of snow / ice, piped water; theft (by burglary or robbery), vadalism, strikes, riots, civil unrest.
  • disposable goods;
  • accidental damage
  • civil liability to third parties
  • personal injury

Damage caused by or resulting from:

  • war (declared or not);
  • invasion or action of an external enemy;
  • civil war, revolution, rebellion, insurrection, military dictatorship, conspiracy;
  • confiscation, expropriation, nationalization, requisition, seizure, destruction or damage by order of any government in law or in fact or any public authority;
  • atomic explosion, radiation or radioactive infestations;
  • pollution or contamination due to any cause;
  • wear, fermentation, damage caused by fungi, insects, rodents, birds and other pests, corrosion, as well as those produced by smoking, staining or grinding from a normal heat source;
  • unsuccessful repairs, reconditioning or restoration;
  • the collapse of the building due to construction defects, its age or its state of degradation, without being related to any of the insured events;
  • wear and tear, damage caused by fungi, insects, rodents and other pests.
Optional insurance of residential buildings

It comes in addition to the compulsory PAD insurance, by covering several risks as well as as a surplus of the insured amount on the 3 risks covered by PAD.

The subject of this insurance is:

  • buildings and other constructions having a residential destination
  • annexes and outbuildings
  • content goods (eg furniture, carpets, clothing, footwear, electronic / household goods, heating / cooling, etc.)
  • buildings and other constructions having a residential destination
  • annexes and outbuildings
  • content goods (eg furniture, carpets, clothing, footwear, electronic / household goods, heating / cooling, etc.) a
  • natural phenomena: earthquake, flood, landslides (for these risks the deductible from the PAD policy of 10,000 / 20000euro is applied)
  • fire, lightning, explosion, body falls, collision by vehicles, sonic boom, atmospheric phenomena (storm, hail), alluvium, weight of snow / ice, piped water; theft (by burglary or robbery), vadalism, strikes, riots, civil unrest.
  • disposable goods;
  • accidental damage
  • civil liability to third parties
  • personal injury

Damage caused by or resulting from:

  • war (declared or not);
  • invasion or action of an external enemy;
  • civil war, revolution, rebellion, insurrection, military dictatorship, conspiracy;
  • confiscation, expropriation, nationalization, requisition, seizure, destruction or damage by order of any government in law or in fact or any public authority;
  • atomic explosion, radiation or radioactive infestations;
  • pollution or contamination due to any cause;
  • wear, fermentation, damage caused by fungi, insects, rodents, birds and other pests, corrosion, as well as those produced by smoking, staining or grinding from a normal heat source;
  • unsuccessful repairs, reconditioning or restoration;
  • the collapse of the building due to construction defects, its age or its state of degradation, without being related to any of the insured events;
  • wear and tear, damage caused by fungi, insects, rodents and other pests.
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