Province Brasov
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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 part of the damage borne by the beneficiary of 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.
Natural Disaster Insurance (PAD) is mandatory for all constructions with permanent or temporary housing, starting from 2010.
To better understand this type of insurance we invite you to schedule an appointment with a Destine Broker consultant, here
The PAD policy covers three risks of natural disaster – earthquake, floods and landslides. Without the mandatory PAD insurance, the optional home insurance cannot be concluded.
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. Without the mandatory PAD insurance, the optional home insurance cannot be concluded.
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.
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.
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