Home Insurance
Protect your home, your belongings and everything you've put into them with one policy, from fire and earthquake to burglary and flooding.
Who is it for?
- Homeowners who want to insure both the building and its contents
- Tenants who want to protect their own belongings and their liability for damage to neighbours
- Families looking for wider protection on top of compulsory earthquake insurance (DASK)
- Buyers with a mortgage who need to meet their bank's insurance requirement
- Property owners who want to protect a holiday home, a second home or a flat they rent out
What is Home Insurance and what does it do?
A home is more than four walls. The smell of morning coffee, the height marks on the door frame, things collected piece by piece over the years... Home Insurance exists to protect exactly that: your building, what's inside it and all the effort behind it.
Fire, earthquake, flood, burglary, a pipe bursting in the middle of the night or a broken window. When things go wrong at home, you don't have to shoulder the cost alone. You can insure just the building, just the contents, or both, and add or remove options such as loss of rent, glass breakage and electronic equipment to suit your needs.
And one more thing: you're not on your own when something happens. Emergency assistance, from plumbers to locksmiths, and a team that follows the claim on your behalf come as a natural part of the policy. You focus on putting your home back together; leave the rest to us.
When you take it out with Atom Sigorta
- Building and contents in one policy, with one renewal date
- Choose the covers you need and don't pay for what you don't
- Home assistance and emergency medical services for immediate help when something happens
- We set the sum insured together so you're not left underinsured
- One point of contact for claims: we follow your file on your behalf
- A renewal reminder every year for uninterrupted cover
What does the policy cover?
Depending on the package you choose, some or all of the cover below can be added to your policy.
Fire, Lightning, Explosion and Smoke
Covers damage to the building and contents from a fire at home, lightning, explosions and the smoke damage that comes with them. It's the cornerstone of home insurance.
Earthquake and Landslide
Protects against physical damage to your building and belongings caused by an earthquake, within the policy limits. It also covers the part above the compulsory earthquake insurance limit.
Flood, Storm, Hail and Weight of Snow
Covers damage from heavy rain, flooding, storms, hail and the weight of snow on the roof. The weather is unpredictable; its consequences shouldn't catch you off guard.
Burglary
Covers burglary and damage from forced entry during a break-in or an attempted break-in. As well as stolen items, damage to doors, locks and windows is included.
Escape of Water
Covers water damage from leaking pipes, air conditioners, fridges or aquariums, and damage caused by poor insulation. Water leaking into your home from the flat above is also covered here.
Glass Breakage
Covers broken window panes, door glass, mirrors and glass worktops. It's the most common kind of damage that looks small but hits your pocket.
Electronic Equipment and Appliance Breakdown
Protects appliances, TVs, computers, air conditioners and boilers against unexpected breakdown and breakage. It stays in place after the warranty has run out.
Debris Removal
Covers the cost of clearing rubble and the site after major damage. It's the first step before repairs can begin.
Loss of Rent and Alternative Accommodation
If your home becomes uninhabitable because of damage, your temporary accommodation costs, or the rent you lose if you're the owner, are covered.
Fire Liability
Covers your liability for damage that a fire or water leak from your home causes to neighbours and third parties. If you rent, it can also be arranged to cover your liability to your landlord.
Legal Protection
Helps with lawyer's fees and court costs in disputes related to your home. Making your case shouldn't wear you down financially.
Personal Accident and Family Support
Offers extra protection for your family against accidents, bag snatching and liability situations. Your cover reaches beyond your front door into everyday life.
Cover, exclusions and limits vary with the package you choose and the policy's general and special terms. To work out the right set of cover for you, call us on 0850 303 28 66.
Your questions about Home Insurance
If your question isn't on the list, give us a call. We'll keep explaining until it all makes sense.
Of course. If you rent, the building itself is your landlord's responsibility; you insure your belongings and your liability for any damage you might cause to your neighbours or landlord. The policy is set up accordingly.
Compulsory earthquake insurance (DASK) only covers the building, and only earthquake damage up to a set limit. Your belongings, risks such as fire, burglary and flooding, and anything above that limit fall under home insurance. The two don't replace each other; they complement each other.
It's based on what it would cost to replace your belongings today. Declaring too low a figure means a lower payout on a claim, so we prefer to go through the rooms with you and arrive at a realistic amount.
Yes, this kind of damage falls under escape of water cover. Taking photos and letting us know as soon as you notice the damage speeds things up.
Yes. Burglary cover doesn't depend on whether you're at home. However, special conditions may apply to homes left empty for long periods, so it's worth mentioning any holidays or long trips when the policy is arranged.
First make sure everyone is safe and, if needed, turn off the water and electricity. Then photograph the damage and anything affected, and let us know. For burglary, you'll need a police report. We'll arrange the loss adjuster and follow up on the claim.
Yes. When you buy new belongings, renovate or move, your cover is updated through an endorsement to the policy. Your protection shouldn't fall behind your life.
Yes. For homes that stay empty for most of the year, some covers come with different conditions. If you tell us how the home is used from the start, we'll set up the right cover.
Get a quote for Home Insurance
Send us a few details on WhatsApp. We'll compare the options from the insurers we work with and share them with you in the same chat.
Home Insurance quote
No forms to fill in. Just message us on WhatsApp; we'll ask a few quick questions and send your quote in the same chat. Asking for a quote puts you under no obligation.
- 1Tell us which insurance you have in mind
- 2Send a photo of your vehicle registration or current policy, if you have one
- 3Receive your side-by-side quote right in the chat
Or call us now: 0850 303 28 66
Office hours: Monday – Friday 08:30 – 17:30 · Saturday 08:30 – 14:00
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