Why choose BTA home insurance?
An insured event is damage to, destruction of, or loss of property as a result of a sudden and unforeseen event.
Ancillary buildings up to 20 m², heating fuel and facilities are automatically insured together with the residential building, up to a combined value of €15,000.
Round-the-clock free primary assistance: lock assistance, water accidents, blockages, power failures and, if needed, temporary accommodation.
If a liquid or steam leak started in a third party's apartment, no deductible applies.
Home property carried with you and your family members is insured throughout the European Economic Area up to €2,000.
If an insured event damages only the exterior door glass or window glass of the building, no deductible applies.
Protection against events you cannot foresee
What exactly is insured?
The insured object is all essential parts of the building: main structures, exterior and interior finishes, doors and windows, utility systems and other parts without which the building could not be used. Automatically insured together with the building:
- built-in furniture (incl. sliding and folding doors) and built-in kitchen appliances;
- an aerial, awning, lighting fixture, surveillance camera, solar panel or heat pump permanently attached to the building;
- balcony, loggia and terrace; climate, communications, TV, audio and security systems up to the boundary of the registered immovable;
- fire safety installation, sanitary equipment (incl. water boiler, bath, shower) and heating source (oven, cooker, fireplace);
- the parts of the building's utility system located outside the building, within the boundary of the registered immovable, up to the connection point.
- the doors and windows of the apartment, with glass;
- interior finish — ceiling, wall and floor covering materials;
- suspended ceiling, non-supporting partition wall and interior staircase;
- the part of the apartment's utility systems that is for your sole use;
- built-in furniture and built-in kitchen appliances;
- air source heat pump, incl. one located on the exterior wall of the apartment; sanitary equipment and heating source;
- balcony, loggia or terrace, and the storage room belonging to the apartment.
Home property is movable property located in the place of insurance and belonging to you — furniture, household appliances, clothing, leisure and hobby equipment. If you insure your home property as a set of objects, underinsurance is not taken into account when the indemnity is determined. Within the sum insured, the following limits apply, among others:
- works of art, collections, weapons, antiques and valuables up to €4,000;
- cash in the insured residential building or apartment up to €300;
- vehicles not subject to registration up to €3,000;
- property located in a fenced garden, in facilities and in ancillary buildings, intended for outdoor use, up to 10% of the home property sum insured;
- property located in a lockable storage unit of the apartment, up to 20% of the home property sum insured;
- uninstalled building materials and parts of the building, up to 15% of the home property sum insured.
Facilities located on the registered immovable are automatically insured together with the residential building: shelter, fence, gate, barrier, flag post, outdoor lighting, paved road, ball game or playground, outdoor swimming pool, bathing barrel, well, wind generator and solar panel serving the residential building.
Ancillary buildings with a total floor area of up to 20 m², heating fuel and facilities are insured against the same insured events and with the same deductible, up to a combined value of €15,000. A garage or storage building attached to a private house is insured as a single building together with the residential building.
- plants, animals and other living organisms, greenery and agricultural produce;
- vehicles subject to registration and motor fuel;
- foodstuffs, alcoholic beverages and tobacco products;
- securities, documents, payment cards, and cash located outside the residential premises;
- computer software, licences, electronic data and databases;
- without a special notation on the policy: mobile phones and smart devices older than 2 years, and desktop and tablet computers older than 4 years;
- buildings under construction, in poor condition or unusable, and greenhouses covered with plastic sheets;
- bridges, quays and hydraulic structures; soil, ponds;
- property used in business activities — business property is insured with commercial insurance.
Costs we indemnify without a deductible under all-risk insurance
If a key is lost, stolen or robbed, or the lock mechanism is damaged, and the lawful possessor cannot enter the residential premises, we indemnify the cost of unlocking, repairing or replacing the lock with an equivalent one.
If a passport, ID card, driving licence, vehicle registration document or bankcard is destroyed, stolen or robbed, we indemnify the cost of issuing a new document.
We indemnify damage caused by the unlawful use of a bankcard stolen or robbed in Estonia, within 48 hours of the theft or robbery.
If your home is completely destroyed and rendered unusable as a result of an insured event, we indemnify loan payments made, up to €4,000 or 4 months, but no longer than until the home is restored.
We indemnify the emergency medical care costs of you and your family members incurred due to an insured event.
We indemnify your pet's vet bill from a licensed veterinarian, incurred as a result of an insured event.
Home Assistance helps 24/7
Liability insurance covers damage caused by you or your family to others
Home insurance additional information and terms
The main coverage of named risk insurance is fire, to which you can add liquid or steam leakage, natural disaster, unlawful activities of third parties, and power failure. Only the events agreed in the contract are covered.
Under all-risk insurance, an insured event is any sudden and unforeseen event that is not excluded under point 8.3 of the terms and conditions or the general terms and conditions of insurance. All-risk insurance also indemnifies, without a deductible: the cost of replacing a key and lock, the cost of issuing a document, misuse of a bankcard, home loan payments, emergency medical care, and veterinary care for pets.
When you buy online from BTA, you can take out all-risk insurance — the broader of the two coverage options.
A deductible is the part of the damage amount that you cover yourself. Its amount is stated in the policy and is deducted from the indemnity. If several deductibles would apply at the same time, only the largest one is deducted.
The deductible does not apply if:
- only the exterior door glass or window glass of the building is damaged as a result of the insured event;
- more than 50% of the insured building has been destroyed;
- the liquid or steam leak started in a third party's apartment.
For an all-risk insured event involving a mobile phone, computer or TV, the deductible is calculated separately for each damaged item, but not less than €200. This exception does not apply if the damage was caused by fire, liquid or steam leakage, a natural disaster, or the unlawful activities of third parties.
If repairing your home property is not possible or not economically reasonable, we indemnify the cost of acquiring an equivalent new item. For household appliances and electronics older than 5 years, the indemnity is the cost of acquiring an equivalent used item.
Mobile phones, computers and smart devices are indemnified based on the age of the device:
| Age of device | Indemnity |
|---|---|
| up to 12 months | reacquisition value (100%) |
| 12–24 months | 75% of reacquisition value |
| 24–36 months | 50% of reacquisition value |
| 36–48 months | 25% of reacquisition value |
| over 48 months | not subject to indemnification |
The age of the device is calculated from the date it was purchased brand new.
All-risk insurance does not cover damage caused by, among others:
- continuous long-term processes — corrosion, wear, rot, mould formation, fungal damage, the natural effect of moisture;
- subsidence, shifting or cracking of the foundation or building;
- soil erosion, collapse, landslide, earthquake or tsunami;
- the weight of snow and ice — as an exception, we indemnify damage if the snow layer increased by at least 100 mm within 12 hours;
- precipitation, or water from melting ice or snow, penetrating through the roof, windows, doors or foundation — as an exception, we indemnify the first such event, up to €3,000, for interior finish and home property damage, provided no such penetration has occurred in the previous 5 years;
- damage caused by pests, rodents, birds or other animals;
- minor damage, such as scratches, nicks and stains, that does not prevent the use of the item;
- the cost of routine maintenance or repair work, incl. replacement of worn parts.
The full list is set out in point 8.3 of the terms and conditions and in the general terms and conditions of insurance.
Yes. Home property (excl. cash) carried with you and your family member is insured outside the place of insurance:
- under all-risk insurance, within the European Economic Area, up to €2,000;
- under named risk insurance, within the territory of the Republic of Estonia, up to €1,000.
With the "Extension of the place of insurance of home property" additional coverage, cover applies worldwide, up to the sum insured stated in the policy.
Property carried with you must be under your constant and direct supervision, and located in a locked building or in a locked car, out of sight. For bicycles and prams/pushchairs, coverage also applies when left unattended, if locked with a bicycle lock to a permanently fixed item.
- Keep the water supply, sewerage and heating systems in order. If the building is not heated during the heating period, or the temperature drops below 0 °C, water must be drained from the systems.
- When leaving the building, close doors, windows and hatches so that entry is not possible without breaking a lock or barrier.
- When leaving the place of insurance, or when darkness falls, take home property from the garden, terrace, balcony or loggia into a locked room. Exceptions are garden furniture, a trampoline, a stove, a grill and a robot lawnmower — these must be kept indoors during the off-season.
- Do not keep keys and codes where third parties could get hold of them. Do not write a name or address on a key.
- An installed fire alarm system must be activated around the clock; a security alarm system must be activated whenever the place of insurance is left unattended.
- In winter, monitor the amount of snow and ice on the roof and clear it within a reasonable time.
The insured value of a building is its restoration value — the lowest expenses necessary to restore the building to its original condition. The insured value of home property is its reacquisition value — the cost of acquiring an equivalent new item.
If it turns out, at the time of an insured event, that the insured value differs from the actual value of the insured item, we apply the principles of underinsurance or overinsurance when calculating the indemnity. For home property, if it is insured as a set of objects, underinsurance is not taken into account.
We recommend consulting a BTA insurance specialist when choosing your sum insured.
- If necessary, call emergency services on 112 and take reasonable steps to limit the spread of the damage.
- Call the BTA Home Assistance phone number for initial advice and, if necessary, a technician's help.
- Notify BTA of the insured event without delay and follow our instructions. You can submit a claim at bta.ee or in the BTA app.
- Do not start repairs or dispose of damaged items until BTA has inspected them.
Insurance service information documents
Home insurance terms and conditions
All risks insurance
Terms and conditions No. EE01NA-1
effective as of 16.06.2021
Terms and conditions No. EE1E-2
effective as of 20.12.2016 till 15.06.2021
Terms and conditions No. EE1E-1
effective as of 17.06.2014 till 19.12.2016
Named perils insurance
Terms and conditions No. EE1F-2
effective as of 20.12.2016 till 15.06.2021
Terms and conditions No. EE1F-1
effective as of 17.06.2014 till 19.12.2016
Terms and conditions No. 3D-1
effective as of 14.12.2010 till 16.06.2014 (in estonian)
General Insurance Terms and Conditions
Terms and Conditions No. GC 2019.0
effective as of 01.07.2019
Terms and Conditions No. GC-2012
effective as of 01.12.2011 till 30.06.2019
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