Property insurance | OTP banka

The “Safe Home” insurance policy also covers the theft of building components such as gutters, fences, and other parts made of copper, iron, stainless steel, and similar materials. In the event of theft of building components, the policy does not cover outdoor units of the building or equipment, nor does it cover damage to built-in equipment (e.g., water heaters, air conditioners, water pressure pumps, solar panels for heating domestic water, solar power systems for self-sufficiency, solar showers, faucets, radiators, stoves, pipes, windows, doors, etc.). Heat pumps are an exception; they are insured up to 5,000 EUR per claim and on an annual aggregate basis.

If the residential property was previously insured against basic fire hazards and the risks of storms and hail under another policy (e.g., a policy through the property manager, a policy taken out in conjunction with a loan, etc.), the policyholder is entitled to a lower premium when purchasing this product, based on the exclusion of basic fire risks and the risks of storm and hail, for the Standard and Max packages.

An auxiliary structure is a structure with an area of up to 50 m² that belongs to a residential house, has its own foundation or is permanently attached, and is located at the same address and on the same property, but not under the same roof. These include: fences, terraces, enclosed garages, boiler rooms, locked storage sheds, garden awnings and umbrellas, sports fields, hot tubs, outdoor pools (including covers, except for plastic and canvas covers), etc. Garages located within a 1,000-meter radius of the insured location are also considered auxiliary structures.

Robotic lawn mowers are classified as garden equipment and machinery when they are in the garden, on the staircase, or in common areas. Garden equipment and machinery are insured against theft as part of household property.

In the event of a mechanical breakdown, elevator malfunctions are also covered, up to an amount of 5,000 EUR.

If the mechanical breakdown involves an elevator covered under apartment/condominium insurance, the insurance benefit is paid out in proportion to the insured’s ownership share.

In the case of machinery breakdown insurance, devices in a “smart home” or “smart house” system (heating control, lighting control, access control, etc.) are also covered.

Solar power plants for individual self-sufficiency are covered as part of residential property insurance, specifically under the basic insurance premium.

Heat pump insurance falls under residential property insurance (as part of the insured’s owned fixtures). Other heating, cooling, and ventilation systems are also covered under residential property insurance.

• Call +386 (0)80 39 44
• email skode@groupama.si
• fill out the online claim form at www.groupama.si
• write to Groupama Zavarovalnica, branch office, Dunajska 128A, 1000 Ljubljana