Home insurance

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Protect your property against unexpected losses

If you get home insurance, you will have no worries about:

  • your home: your apartment or house, its additions, fence and other facilities will be covered from unexpected damage;
  • valuable possessions: the insurance will cover all possessions inside your house/apartment and any belongings taken with you on your trip;
  • your neighbours – the insurance will ensure coverage from any damages unintentionally caused to your neighbours or individual passers-by (for instance, if a piping gets cracked or a window is broken).

Insurance services are provided by "Swedbank P&C Insurance AS" Lithuanian branch via a representative of "Swedbank", AB. You can get familiarized with the Rules of Home insurance Lithuanian language and download the copy here.

Updated terms and conditions for Home Insurance will take effect on 17/08/2017. For more information please Click here.

Home insurance calculator

Building type
Building material  
Total area  
m2

* The calculated offer is based on a 15000 Eur incurance limit on home contents and liability.

Final monthly payment
0 EUR
  • Home insurance provides cover for the building, home property and cases where you have caused damages to other people (e.g. your neighbours).
  • In the case of an insured event involving your home, you will be reimbursed for costs related to restoring your home.
  • In the case of an insured event involving home property, you will be reimbursed for the repair costs or the costs of repurchasing.
  • If you or one of your family members has cause damages to a third party (e.g. your neighbour), the resulting property damage or personal injury will be compensated.
  • When insuring a residential housing without a housing loan agreement, the premiums without increase in their amount shall be paid at intervals convenient for you: 1, 2, 4 or 12 times a year.

The apartment insurance

The apartment insurance

If you insure the apartment then the apartment internal walls, the partitions, the decoration will be insured together with floor coverings, the stairs that are inside the apartment, the windows, the glass-cases, the apartment entrance doors, installed piping, electrical wiring, including electrical sockets, heating boilers, designed for the apartment heating, other stationary elements of the apartment.

After the apartment is insured, it will also be covered by insurance at no additional charge

The apartment appurtenances, which are in the same city, in the same town or in the same village as the apartment, common premises and mechanical, electrical, sanitary-ware and other equipment which is shared, the main house constructions, the part which belongs to the apartment owner under the common partial ownership.

Important! Built-in furniture, aquariums, cornices will be insured selecting the home property insurance services.

The house insurance

If you insure the house, then with the house foundation, exterior and interior walls, the partitions, the decoration together will be insured

The roof and the gutters, the chimneys, the stairs, the windows, the glass-cases, the doors, floor coverings, installed piping, electrical wiring, including electrical sockets, installed fixed equipment, solar panels, heating boilers, designed for the apartment heating and other stationary elements of the house.

This is included in the insurance cover free of charge:

Fence, gates and gate automation system, facilities installed in the area, stationary outdoor pools, playground equipment and greenhouses up to 20 sq. m in area.

Important! Built-in furniture, aquariums, cornices will be insured selecting the home property insurance services.

The home contents insurance

Along with clothes and household appliances the following will be covered

Furniture and fitted furniture, audiovisual equipment, lighting, aquariums, cornices, dishes, bedding, sports and recreation equipment, tools for gardening or environment maintenance, and other household items.

The civil liability insurance

Civil liability insurance

In case of the civil liability insurance of the homeowner, the damages which are caused by the operation of housing will be rewarded to neighbours (for example, if the pipe cracked and the apartment of the neighbours would be flooded) or to the passers-by (for example, the window hit the wall because of draught and the falling broken glass injured a passer-by ).

Your selected insurance amount shall apply for the property within your housing, e. g., EUR 15 000.00, however, for certain home property groups, the following insurance amounts shall be applicable:

Name of home contents group Sum insured
Works of art, valuables & antiquities Up to 25% of the sum insured for home contents
Home contents in auxiliary & ancillary structures Up to 25% of the sum insured for home contents
Cash kept in the insured residential building/flat Up to EUR 500
Home contents in the territory of the land plot; beyond the limits of the place of insurance, within the territory of the Republic of Lithuania. Up to 5% of the sum insured for home contents

Deductible is the amount that you are obliged to cover upon occurrence of an insured event.

No deductible is applied:

  • In civil liability insurance;
  • and In case of lock replacement insurance.

If the two offreckonings may be applied for a single event, when the insurance benefit is paid, only one - higher - offreckoning is applied;

  1. You will find useful advice on premium calculation here);
  2. Conclude an agreement in just a few minutes;
  3. The insurance policy, updated on an annual basis, may be sent to you via the online banking system, or via email, or by post at your discretion.

When the accident occurs we ask to report it as soon as possible to the “Swedbank“ customer service staff:

When we receive your report we will advise you how to proceed and act.

If your property has been damaged or you have caused damage to a third party, report immediately:

  • to the police, if your property has been stolen, taken away from you during the robbery or it has been damaged due to illegal activities of the third parties;
  • to the emergency centre by phone number 112, if the fire occurred in your dwelling or the explosion occurred;
  • to the emergency plumbing service, if in case of the water supply accident you cannot turn off the water supply.

It is important to know! Prior to repair works it is necessary to match their estimate with our expert.

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