An overview from the buildings base cover through contents to the optional extras – with no premium figures, by substance. The exact scope differs by insurer: the policy terms always prevail.
The base: at true rebuilding value – details: buildings vs. contents.
A realistic sum from the home inventory – limits: valuables and cash.
The life-situation layer – map: optional covers, liability.
The categories are indicative: insurers group covers differently (what is base cover with one is an optional extra with another). In comparisons it is therefore worth looking at them by substance.
| Cover | What does it protect? | The right question to ask |
|---|---|---|
| Fire and natural perils | The big, rare losses: fire, explosion, lightning, storm | Exactly which perils are on the list? |
| Water damage from pipes | Burst pipes, seepage, blockage flooding | Are exposure and reinstatement works included? |
| Storm and hail | Roof, windows and doors, shutters, garden structures | How do the terms define a storm? |
| Burglary and robbery | Forcible theft of your contents | What security is expected – typically tied to the sum? |
| Glass breakage | Glazing of windows, balconies, shower cabins | What limit and deductible apply? |
| Personal liability | When you or a family member cause damage to others | How high is the limit, and who is covered? |
| Valuables | Jewellery, watches, cash, art – with limits | Up to what limit, under what storage conditions? |
| Garden, solar, devices | The values around the house and the modern ones | Is everything included at its declared value? |
| Special risks | Earthquake, flood and the like – with separate rules | What exclusions and waiting periods apply? |
| Assistance | Emergency help: blockage, locks, glazing | For what, and up to what limit, can it be called? |
The table is indicative and does not replace reading the terms – the policy-reading crash course and the exclusions map help with that.
Home insurance protects your home and your personal liability. A condominium's common property – roof, stairwell, shared building systems – is the building's own insurance: see tarsashaz.biz (in Hungarian), and the boundary in where mine ends and the building's begins. Risks during construction and major renovation are a separate genre: epites.biz. Professional liability is not personal liability: felelosseg.biz. Protecting the repayments of a mortgage if the earner is lost is the job of credit life insurance, not home insurance: elet.biz. And a business's premises belong to commercial property insurance: vagyon.biz.
Free, with no obligation – by the end you will see your options and the next step clearly.