Wide choice of channels for purchasing insurance cover. You can conclude the contract or ask for an offer through Internet or from any sales facility across Estonia.
Several benefits. Multi-year contract ensures a more favourable premium. Minimum retention (deductible) of Salva’s home insurance is just 50 EUR.
Flexible contract conditions. A single contract can cover buildings in different locations and household property is insured within the amount decided by the policyholder. Salva does not require purchase receipts when compensating for damage to home property.
Protection is based on needs. In case of selected risk insurance the client can choose specific risks based on his or her needs. The selection includes fire, pipe leak, flood, storm and theft risks.
Protection against several different risks. All risks insurance provides a wider cover than the selected risk insurance and offers the protection against various different risks. It compensates e.g. losses related to household property, such as breakage of a lock or window class, failure of equipment (e.g. refrigerator or heat pump).
Protection is provided also for heating and water supply systems, as well as small buildings and structures. Insurance covers besides the building also heating, electricity, water supply and sewerage systems, as well as building materials purchased for reparation or construction. Small buildings, and structures (up to 20 m2) located on the property are protected from the same risks.
Option of worldwide household property insurance. Insurance for home property outside the home covers household property that the insured person and their family members usually carry with them. The compensation limit chosen for the policy is the maximum payout in each case. This protection does not apply to clothing, tools, valuables, jewelry, and watches.
Costs of temporary housing can also be compensated. When concluding the insurance contract you can choose the compensation for temporary housing that compensates rental and removal costs in case your home becomes inhabitable due to an accident.
Many events are without retention (deductible). Retention limit is not applied in the following cases: breakage of window glass, replacement of a door lock, replacement costs of documents in case of lost or destroyed wallet. The list of such events is provided here.
Option of supplementary protection against losses caused to others. Besides insuring the home you can purchase a cover for the liability for losses caused to others (for example by children or pets). See for details about the liability insurance here.
