| Basic Coverages |
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Simple Plus |
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Total Plus |
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Superior Plus |
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| Fire |
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| Lightning |
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| Smoke |
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| Explosion (damages to the exploding object ) |
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| Forest Fire |
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| Damages caused during firefighting |
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| Riots, Strikes, Civil commotion and malicious acts |
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| Terrorist attack |
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| Falling Aircraft |
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| Vehicle crash |
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| Falling trees - pillars due to accidental causes |
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| Flood, Storm, Tempest, Snow, Hail |
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| Leaking Pipes |
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| Water pumping costs |
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| Cost of works to investigate damage to the pipe itself for buildings up to 30 years old or for buildings that have been at least 10 consequtive years insured by ERGO |
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| Household equipment theft due to burglary or robbery |
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| Jewelry theft up to 500 €. In case of safe, the insurance coverage increases according to the limits of the next coverage. |
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| Jewelry theft (burglary or theft) in a built-in safe due to robbery or burglary |
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| Damage to objects located in the inside of the building due to theft |
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| Damage to building due to theft |
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| Architect's engineer's fees/ licence fees |
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| Debris removal |
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| Damage minimization costs |
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| Relocation costs in case of owner habitation or building rental |
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| Content insurance outside home at temporary residence in case of relocation |
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| Loss of rent |
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| Nondamaged materials replacement |
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| Alternative energy resources from insured peril, solar water heaters, heat pumps and personal natural gas installations |
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| Indemnification to reinstatement value for residence buildings up to 40 years old and household equipment up to 15 years old. |
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| Portion of common areas |
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| Underinsurance protection |
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| Glass breakage, glass panes and mirrors |
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| Up to 10.000 € Bank safe deposit box insurance against fire, theft due to burglary, robbery, explosion and earthquake (as long as there is coverage for earthquake) |
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Short-circuits without a fire
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| Personal accident insurance inside the Policy Holder's residence, his/her husband/wife and minor children against Accidental Death, Permanent Total Disability & Partial Total Disability, 5% of the insured capital with10.000€ max limit. |
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| Third party liability against insured peril. It also includes tenant's liablity towards the owner or owner's liability towards the tenant. |
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| General Third Party Liability
20% of the insured capital with 25.000€ max limit.
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