Most foreigners coming to Poland immediately think about a roof over their heads. Moreover, some people look for a suitable apartment or house while they are still in another country. Of course, living in a hotel is not very convenient, and to buy your own real estate is a serious purchase, the decision on which is not taken so quickly. Therefore, the ideal option is to rent an apartment or a private house. As statistics show, an average apartment in Poland can cost about 2300+ zlotys per month.
Those who have already officially rented an apartment at least once are familiar with the rental procedure. People who sign a real estate rental agreement usually do not read it completely. However, there is always a clause that the tenant is fully responsible for the property. What does this mean? In the event of a fire, flood, or other accident, you must be compensated a certain amount of money by the current owner. In reality, these amounts can amount to tens of thousands of zlotys. To prevent such situations and secure your financial situation, there is real estate insurance in Poland. In this article we will tell you more about why you need home insurance, how it works and how you can get it in the easiest way possible.
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Real estate insurance is a great solution to protect your finances
We suggest you think of situations that have happened to you or someone you know. How many cases do you know of where a person has been deprived of their kaucja (security deposit, which is usually equal to the amount of a month's rent) because of some kind of property damage? A mirror was broken, an induction stove cracked, shower glass sprinkled and so on. What is the cost of all this?
Let's take the example of a stove, the average price of which varies from 1,000 to 2,500 PLN. And the average price of a policy is from 250 to 500 PLN per year. Simple math helps you understand that it is much more profitable to have a real estate insurance policy than to pay for the damage caused in the apartment.
You may say that you should just not break anything and treat things with care. This is true, but practice shows that several appliances can break in one year of living. Especially if you live with a small child - then the damage caused to the real estate can not be avoided.
Other examples of why real estate insurance is necessary
We propose to consider 1 more example that deals with plumbing problems. We believe that everyone has had such cases. Who is responsible for it, since it is nobody's fault? How quickly is the problem solved? How often is 100% of the damage borne by the landlord?
If it was taken care of by insurance, you would just have to call the information line and let them know when it would be convenient for you to meet the master and that's it. After all, a good insurance company completely covers this issue. TV, refrigerator, air conditioner stopped working? It all solves 1 call.
Insurance packages for real estate
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No matter where you live, a small private house, a spacious apartment or a luxurious villa, breakdowns or accidents can happen to anyone and everywhere. That's why today there are different real estate insurance packages available for different purposes and desires. For example, there is the AllRisk package that covers all common accidents.
People who take out home insurance in Poland forget about such nuances as the breakdown of appliances, furniture, plumbing and other things. The advantages are that it saves you both money and your valuable time. Contact aksis experts for a free consultation to help you find the best insurance package for your home. We know how to make your life more comfortable and safe!
