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Home insurance

Home insurance

Get your home insured and feel at ease

  • Buildings and household assets will be covered by all-risks insurance
  • You get free insurance against civil liability in respect of your dwelling (it will come of use, for instance, in case of your neighbour’s apartment overflow originating from your apartment), and if you obtain insurance for both buildings and household assets, you will also get free personal civil liability insurance (it will come of use, for instance, if your child or your dog plays a prank on others)
  • Convenient: you may pay your insurance contributions on a monthly basis
  • At a small extra payment, you may have access to the Emergency Assistance at Home service
  • Home insurance is provided by the largest local insurer AB “Lietuvos draudimas”

Before executing an agreement on home insurance offered by AB “Lietuvos draudimas”, read the insurance rules, which include a detailed description of insured and uninsured events, benefit limits, deductions, policyholder duties, etc.

If you opt for maximum home insurance, your home – the building and possessions inside it – will be insured against the impact of all types of risks, i.e. fire, water, natural disasters, theft, glass breakage and other abrupt or unexpected property damage, destruction or loss events.

Buildings insurance

Buildings insurance value – replacement (or new) value, so that in case of a disaster you would be able to restore your building with new materials. Please note that in case of an insured event a EUR 58 unconditional deduction (franchise) will be applied, i.e. the benefit to be paid will be reduced by this amount.

With buildings insurance you get insurance coverage for:
  • walls, ceilings, windows, floors, doors;
  • plumbing system;
  • water supply system;
  • air conditioning system;
  • ancillary buildings  (ancillary buildings, e.g. a fence, a storeroom or a pergola will be insured together with the residential building in an amount of cover making up to 4 % of the amount of insurance of your residential property).

Household assets insurance

Household assets insurance amount is the reinstatement (or new) value, so that in case of any disaster you could buy new property items of the same quality. Please note that in case of occurrence of an insured event an unconditional deduction (franchise) of EUR 58* will apply – the insurance benefit amount to be paid will be reduced by this amount.

* In case of light fittings glass, optical instruments glass and clocks, an unconditional deduction (franchise) of EUR 85 will apply.

Household assets insurance covers your:
  • Your accumulated  household assets: furniture, household appliances, household items, such as TV, video and audio equipment;
  • Other individual’s property, if it has been assigned to your lawful disposal;
  • radio and TV antenna equipment;
  • self-propelled and multifunctional environmental maintenance equipment, such as electric lawn mowers or electric saws;
  • valuables: cash, jewellery, documents, antiques, etc.

Civil liability insurance

If you obtain buildings or household assets insurance, you will get free insurance against civil liability in respect of your dwelling.

We care about your good relations with neighbours. If as a result of unintended outbreak of fire in your dwelling or in case of your neighbour’s apartment overflow with water originating from your apartment your neighbour’s expensive equipment, ceilings, walls, floor or any other property is damaged, you will be able to compensate your neighbour for the damage up to EUR 4,500 in an apartment and up to EUR 45,000 in a house.

Personal civil liability insurance

If you obtain both buildings and household assets insurance, you will also get free personal civil liability insurance within the territory of the Republic of Lithuania.

With this type of insurance you will be able to avoid additional problems, as damage to third persons health, life or property rendered either by you yourself or your family members or pets will be compensated to as much as EUR 1,500.

Insurance will compensate damage, if, for instance:

  • Your pet attacks your neighbour or scratches your neighbour’s car;
  • You or your family members in their leisure time activities (e.g., biking, roller-skating, skateboarding, skiing, canoeing or boating) harm another person’s health or assets;
  • firecracker changes direction and injures another person or a spark falls into your neighbour’s balcony;
  • Your hired personnel (part-time nanny, housekeeper, gardener, etc.) harms another person’s health or assets;
  • You rent a summerhouse for your family, and damage is rendered to it.

Emergency Assistance at Home insurance

If the door slams shut or in case of window glass breakage or sewer drain blockage, your Emergency Assistance at Home will be of immediate service. In a problem situation, you will not have to look for any technical help to take care of the problem as a matter of urgency, rather, any required emergency services will be called in. Just call Lietuvos Draudimas at 1828 and wait for help or assistance.

The Emergency Assistance at Home service is available at a small extra amount to your purchased buildings or household assets insurance.


This is promotional information about services offered by AB “Lietuvos draudimas“ and as such it cannot constitute basis for any subsequent transaction or for part of such transaction. SEB Bank is a dependent insurance intermediary of AB “Lietuvos draudimas”.

Detailed description of insurance terms and conditions is provided in Dwelling Insurance Rules No. 67 of AB “Lietuvos draudimas”, which are available at www.seb.lt and www.ld.lt.

Home insurance claims are administered by AB “Lietuvos draudimas”.

 

Here you can find preliminary examples of obtaining insurance coverage for both buildings and household assets. In any specific case, please contact your client executive for the calculation of your insurance premium.

 

Apartment insurance

Permanent occupancy apartment
60 sq. m. in area in a brick house

House insurance

Permanent occupancy dwelling
brick house 105 sq. m. in area
Price 7.05 euro/month 8.98 euro/month
Insurance option Maximum, or against impact of all types of risks
Household assets insurance amount EUR 15,000 EUR 20,000
Residential property civil liability insurance amount EUR 4,500 EUR 45,000
Personal civil liability insurance amount EUR 1,500 (within the territory of Lithuania only)
 

Need advice?

Call at 1528
or
register for a consultation on financial services

Willing to conclude or make an amendment to your insurance contract?

Call at 1528
or
visit your preferred SEB Bank unit

This is promotional information about services offered by AB “Lietuvos draudimas“ and as such it cannot constitute basis for any subsequent transaction or for part of such transaction. SEB Bank is a dependent insurance intermediary of AB “Lietuvos draudimas”.

Detailed description of insurance terms and conditions is provided in Dwelling Insurance Rules No. 67 of AB “Lietuvos draudimas”, which are available at www.seb.lt and www.ld.lt.

Home insurance claims are administered by AB “Lietuvos draudimas”.

Immediately inform relevant service about the event:

Firefighting rescue service, police, emergency service, dwelling-house administrating company, chairman of your association, etc. Take every necessary measure for your property rescue.

Call AB “Lietuvos draudimas” at 1828 in Lithuania and register the event.

You may provide information about the event via the Internet at www.ld.lt or at self-service website www.savasld.lt. Once the event is registered, within 1 working you will be contacted by a responsible expert of Lietuvos Draudimas.

At the time convenient for you, valuators from Lietuvos Draudimas will come to see the damaged assets, or the damage issue will be resolved by phone. Be sure to keep the damaged asset until Lietuvos Draudimas valuator’s visit.

In case of theft, for a meeting with valuators remember to have the following documents:

  • document issued by police evidencing the event (if available);
  • list of stolen and/or damaged items.

This is promotional information about services offered by AB “Lietuvos draudimas“ and as such it cannot constitute basis for any subsequent transaction or for part of such transaction. SEB Bank is a dependent insurance intermediary of AB “Lietuvos draudimas”.

Detailed description of insurance terms and conditions is provided in Dwelling Insurance Rules No. 67 of AB “Lietuvos draudimas”, which are available at www.seb.lt and www.ld.lt.

Home insurance claims are administered by AB “Lietuvos draudimas”.

Contact

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