The policyholder can choose which object specified in the following clauses they want to insure.
An insured object is a building, facility, apartment, apartment ownership, household property, claim for rental expenses of temporary residence of an insured person, or a claim for loss of rental income as provided in the policy.
A construction work is a structure that is created as a result of human action and is attached to or supported by the ground underneath and whose purpose of use, aim, manner of use or durability make it distinguishable from other structures.
A building is a legal construction work permanently attached to the ground and having an interior space separated from the external environment by a roof and other parts of the building envelope.
A residential building, ancillary building, sauna, terraced house and semi-detached house may be insured as a building.
An ancillary building is a building not used for residential purposes (e.g. a shed, storehouse, livestock housing, barn, garage, garden house, playhouse).
A sauna located separately from the residential building is only insured if so specified in the policy.
The building insurance covers essential parts of the building, incl. the main structures, interior and exterior finishing, permanently attached bathroom and kitchen furniture (except for integrated household appliances), doors, windows as well as the heating, cooling, water, gas supply, sewerage, power supply and ventilation systems permanently locating in the building, and the connecting wires, pipes, channels and tanks. Radio and television antennae, lighting fixtures and parts of air-conditioning appliances installed on the exterior sides or the roof of the building are insured.
Heating, cooling, gas supply, water, sewerage and ventilation systems, air-conditioning, communications and security alarm systems as well as the power supply system located outside but permanently attached to the building or a part of the building are insured up to the boundary of the registered immovable.
The building insurance automatically covers to the value of up to 10,000 euros the following items located on the same registered immovable:
facilities. A facility is a construction work which is permanently attached to the ground and is not a building (clause 7), e.g. a gazebo, car shelter, outdoor kitchen, well, fence, flagpole, outdoor lighting fixture, outdoor pool, wind power generator, bathing barrel, paved roads, ball game courts and playgrounds;
ancillary buildings (clause 8) with a closed net area of up to 20 m². If a terrace or shelter has been built as an attachment to an ancillary building, the area under the construction work must be taken into account upon insuring;
the heating fuel used for heating the insured building and located in the building.
If the building insurance cover option chosen for the policy is extended all-risk insurance, the restoration expenses of the landscaping of the yard land belonging to the residential building following an insured event are insured to the value of up to 6,000 euros.
The insurance of a terraced house and a semi-detached house covers the interior finishing and the essential parts of the building located within the boundaries of the terraced house or semi-detached house up to the interior finishing of the neighbouring housing section. The parts of the building (e.g. partition enclosures of terraces), utility, low-current and power supply systems designated for joint use and not located in the insured terraced house or semi-detached house as well as ancillary buildings (clause 8) and facilities (clause 12.1) are insured to the extent that corresponds to the share of the area of the terraced house or semi-detached house in the total area of the building.
Unless otherwise specified in the policy, the building insurance does not cover the following:
portable and/or integrated equipment (e.g. an electric cooker, refrigerator, washing machine, electric radiators), furniture, curtain rods and fittings, curtains, removable carpets and lighting fixtures (except for built-in lighting fixtures) as well as other household property;
advertisements installed on the exterior side of the building or on the registered immovable;
soil, plants, landscaping (except in the case specified in clause 13), garden sculptures;
water (incl. water in the well, pipelines and pool), gas in the pipelines or equipment;
ponds, wharves, moles, berths, other facilities built in water;
removable and/or wheeled caravans, tents, inflatable structures, temporary facilities, greenhouses with film cover;
solar panels that are separate from the building and located on the same registered immovable and that are to be or have been installed as well as the devices that belong thereto.
An apartment is delimited residential space that can be independently used a well as the parts thereof that can be altered without damaging common ownership or the rights of other apartment owners or without altering the external form of the building. The apartment insurance covers doors and windows as well as the finishing of balconies, recessed balconies or terraces of the apartment, floor, wall and ceiling covering materials, non-load-bearing partition walls, built-in furniture (incl. kitchen and bathroom furniture, permanently attached sliding doors), utility systems located in the apartment, permanently attached heating sources, parts of air-conditioning appliances of the apartment that are installed on the exterior side of the building.
The apartment insurance also covers the heating fuel used for heating only the insured apartment and located in a building on the same registered immovable as the apartment building.
The apartment insurance does not cover:
structures that ensure the stability or safety of the building (load-bearing structures, foundation, roof, stairs);
load-bearing and/or main structures (incl. hydroinsulation) of a balcony or a recessed balcony;
parts of the building, systems or equipment designated for joint use by apartment owners (boiler room, utility system, lifts, interior finishing of the stair hall, exterior finishing of the building) and other items in the common ownership of apartment owners;
portable and/or integrated equipment (e.g. an electric cooker, refrigerator, washing machine, electric radiator), furniture, curtain rods and fittings, curtains, removable carpets and lighting fixtures as well as other household property;
water (including water in the well, pipelines and pool), gas in the pipelines or equipment.
Apartment ownership is the insured apartment (clause 16) and the pertaining parts of the building and appliances in the common ownership of apartment owners (clauses 18.1 to 18.3). The part in common ownership is insured to the extent that corresponds to the size of the insured apartment in the entire building.
- The apartment ownership insurance covers externally located utility systems (e.g. heating, cooling, water and gas supply, sewerage and ventilation systems as well as air conditioning, communications and security alarm systems) and the power supply system up to the boundary of the registered immovable. The utility and power supply system is insured to the extent that corresponds to the size of the insured apartment in the entire building.
The apartment and apartment ownership insurance covers the interior finishing of a storage room/cellar which is not directly connected with the insured apartment or apartment ownership, but is located in the same building and is in the sole use of the policyholder, the door of the storage room and shelves permanently installed in the storage room.
The appliances and items servicing the building or apartment (e.g. a boiler, heat pump, furnace, wood stove) are insured as sets of integrated items including all the essential parts of the appliances and items. The essential parts of the appliances and items are their parts that cannot be separated from the appliance without destroying, damaging or significantly amending the appliance or the item or the part being separated from them or without aggravating the purposeful use of the appliance or item or making it impossible.
Household property is the movable property located in the place of insurance and owned by the insured person or in their legal possession. This includes furniture (except for permanently attached kitchen and bathroom furniture that is insured with the construction work), household appliances, electrical home appliances, clothes, tableware, etc. The insured sum of household property is specified in the policy.
Unless otherwise specified in the insurance policy, the insurance covers:
art, collections, valuables and clocks – with a limit of indemnity of 4,000 euros. Valuables are jewels, precious metals and items made thereof, precious and semi-precious gemstones;
land vehicles and watercraft not subject to registration, e.g. bicycles, self-balancing vehicles, electric bicycles, boats (of the total length of up to 2.5 metres), riding lawn mowers, robot lawn mowers and parts thereof – with a limit of indemnity of 4,000 euros;
navigation equipment, a ski box, tyres and wheel rims of a motor vehicle that are temporarily removed from the motor vehicle and are located in the insured building or apartment – with a limit of indemnity of 4,000 euros;
uninstalled building materials located in the insured building or apartment – with a limit of indemnity of 4,000 euros.
The insurance covers household property that is accompanying the policyholder or their family member permanently living with the policyholder in the place of insurance while they are outside of the place of insurance but within the borders of the Republic of Estonia – with a limit of indemnity of 1,000 euros. For example, the policyholder goes to the gym in a sports club and leaves their belongings in the locker. The belongings are stolen from the locker.
If the insurance cover option chosen for the policy is extended all-risk insurance, the insurance covers household property that is accompanying the policyholder or their family member permanently living with the policyholder in the place of insurance while they are outside of the place of insurance but within the borders of the European Union Member States, United Kingdom of Great Britain and Northern Ireland, Iceland, Norway and Liechtenstein – with a limit of indemnity of 2,000 euros.
If household property is insured, insurance cover to the value of 10% of the insured sum of household property also applies automatically to property in locked storage rooms (cellars) located in a locked building on the same immovable property as the insured residential building or in the same building as the apartment and in the sole use of the policyholder.
If the household property insurance cover option chosen for the policy is extended all-risk insurance, the insurance also covers:
in the case of theft of a passport, identity card or driving licence, the expenses of issue of a new document – to the value of up to 100 euros without applying a deductible;
the expenses of the transactions unlawfully concluded or cash withdrawn from an ATM with a bank card stolen or robbed from the policyholder or their family member living with the policyholder in the place of insurance – to the value of up to 1,000 euros;
cash stolen from the place of insurance – in an amount of up to 300 euros;
upon loss of keys, the expenses of replacing the door lock – without applying a deductible;
the restoration expenses of legal software that was destroyed as a result of an insured event – to the value of up to 500 euros. Documents certifying the acquisition of the destroyed software must be submitted to Seesam in order to receive the insurance indemnity;
the expenses incurred on the veterinary care of pets (e.g. a cat, dog) as a result of the occurrence of an insured event – to the value of up to 300 euros. In such a case, the expenses incurred to buy medicinal products not registered in the Estonian register of veterinary medicinal products or while treating the pet without contacting a veterinarian are not indemnified.
Unless otherwise specified in the insurance contract, household property insurance does not cover the following:
the construction work and parts thereof;
mobile phones, tablet computers, smart watches and other similar smart devices older than two years and desktop and laptop computers older than four years as well as parts thereof;
agricultural products, foodstuff, alcohol, tobacco, animals, birds, fish;
cash (except to the value specified in clause 27.3), coins, stamps, bonds, securities, cheques, gift certificates, lottery tickets, documents (except to the value specified in clause 27.1), manuscripts, drawings, models, forms, databases, archives;
information and software contained in an information processing system and on a data medium (except to the value specified in clause 27.5);
removable and/or wheeled caravans, tents, inflatable structures, temporary facilities, greenhouses with film cover located outside the insured building, apartment or apartment ownership;
explosives, objects not in compliance with security requirements or legislation;
motor fuel, land vehicles that were or are subject to registration, their accessories and parts (incl. keys), except for the items specified in clause 23.3;
watercraft and aircraft (incl. drones), their accessories and parts (incl. keys), except for the items specified in clause 23.2;
assets used in the economic activities of the policyholder or their family member. For example: goods, product samples, semi-finished products, store equipment, production or service equipment.
Rental expenses of temporary residence
Rental expenses of temporary residence are insured if so specified in the policy.
Rental expenses of temporary residence are indemnified if it is not possible to live in the insured residential building or apartment as a result of an insured event and it is necessary to rent new residential space. Seesam indemnifies reasonable and justified expenses previously agreed with Seesam and incurred to rent an equivalent replacement residential space and to move there. The expenses are indemnified to the value of the insured sum specified in the policy as of the moment of occurrence of an insured event until the restoration of the building or the apartment that constitutes the insured object, but for no longer than 12 months as of the occurrence of the insured event.
The insurance cover does not extend to persons who use the insured building or apartment on the basis of a rental contract.
Loss of rental income
Loss of rental income is insured if so specified in the policy.
The loss of rental income to the value of the insured sum specified in the policy for the building or apartment that constitutes an insured object, was rented out at the time of an insured event and has become uninhabitable as a result of the insured event is indemnified.
The amount to be indemnified is the loss of rental income based on a rental contract entered into in writing, from the occurrence of the insured event until the restoration of the building or the apartment that constitutes an insured object, but for no longer than 12 months as of the occurrence of the insured event. Public utility charges, late interest or contractual penalties subject to payment or the expenses incurred to find a replacement residential space for the tenant are not indemnified.