We offer two insurance packages: Luminor Home and Luminor VIP. The insurance cover depends on the chosen package.
Both Luminor Home and Luminor VIP package provide your home primary insurance coverage, which includes:
- fire, hail, strong wind, flood (including flood due to snow melting), pipe leak, theft, vandalism, robbery and other unexpected damage to home or destruction;
- 24/7 free If home assistance service to eliminate the loss event (for example if a pipe bursts or a door lock breaks);
- temporary home rent or moving costs without deductible up to 3000 €;
- new door locks without deductible if keys were stolen, the key is lost or the lock is tampered with;
- window glass breaking without deductible;
- loss due to construction defect;
- facilities (for example playgrounds, fence, flag pole, outdoor lighting etc) and small buildings up to 10 m² are automatically insured;
- cash stolen from home up to 400 €;
- theft from flat`s balcony, storage space or private home`s garden;
- property in outbuilding up to 10% of domestic property of sum insured;
- constructions materials up to 3 000 € in an unfinished building;
- coverage of property in summer house 3 000 €;
- loss due to illegal use of lost or stolen Luminor bank card up to 1000 €;
- damage to off-terrain vehicle or motor vehicle which does not require registration up to 4000 €;
- coverage up to 1 000 € of accompanying possessions within the borders of the Republic of Estonia;
- demolition and clean-up costs related to insured event;
- built-in furniture (including kitchen furniture) up to 6 000 €;
- domestic property and up to 6-month-old desktops and laptops are insured under the principle “old-for-new“;
- property belonging to employer used in a home office is also covered (for example laptop, mobile phone etc), if it is in permanent use of the policyholder.
By choosing Luminor VIP package, additional insurance coverage applies:
- 24/7 free If home assistance service to prevent loss (for example, elimination of clogging before it leads to flooding) up to 100 €;
- Coverage of eye glasses without deductible;
- Theft of passport, ID-card, driver`s license without deductible up to 100 €;
- Temporary home rent and moving costs without deductible up to 6 000 €;
- Coverage of accompanying possessions up to 1 000 € within borders of the European Union (including Iceland, Liechtenstein, Norway and Switzerland);
- Coverage of smart watches, tablets and mobile phones (including smart phones) for up to 24-month-old devices in accordance with compensation principles.
Liability insurance can be chosen from two different coverage schemes:
- Owner of immovable`s liability insurance;
- Private person`s extended liability insurance dependent on chosen insurance region (includes owner of immovable`s liability, pet owner`s liability, pedestrian`s liability, cyclist`s liability etc).
Before concluding the insurance policy, please read the exclusions provided in home insurance terms and conditions!