Home and property insurance
Insurance of flats, private houses, household contents and outbuildings of citizens.
Risks
Standard: fire, lightning, explosion of household gas, water from pipes and from neighbours, theft with breaking in, deliberate damage by third persons. Full: the same plus earthquake, mudflow, flood and storm.
Tariffs
Premium for one year as a percentage of the sum insured:
| Object | Standard | Full (with earthquake) |
|---|---|---|
| Flat in a brick, panel or monolithic block | 0.25% | 0.40% |
| Private house, brick or concrete | 0.35% | 0.55% |
| Private house, mudbrick (saman) or mixed walls | 0.60% | 1.00% |
| Household contents (furniture, appliances, clothes) | 0.50% | 0.70% |
| Outbuildings, garage, summer kitchen, fence | 0.40% | 0.60% |
Minimum premium 150 som. The sum insured is agreed with the client, not more than the real value; for buildings the agent inspects the object before the policy is issued (free of charge in the cities, 50 som in the districts). Mudbrick houses built before 1996 are insured under the Full option only after inspection.
Mortgaged property
A flat or house pledged to a bank as security for a loan must be insured for the whole term of the loan. The bank is named in the policy as the beneficiary. The premium is 0.30% of the outstanding loan a year and can be paid together with the loan instalment at Talasbank.
In case of damage
Stop the damage if you can, call the emergency service or the housing office, do not throw anything away, take photographs, and tell us within 3 working days. See Insurance case.
