Household Propery Insurance

Home insurance with on-site emergency services included.

Your home is your castle. It is the place where you create memories, share happy moments, and feel safe. Protect it completely. Insure your movable and immovable property, internet network, and pet. With "Home Property and Secure Internet" insurance, you not only get protection for your property, but also security for your home internet network for you and your whole family.

What does the insurance cover:
  • Insurance of immovable property - residential buildings and improvements thereto, installations, farm buildings.
  • Movable property - household property used for daily and normal household use, furnishings, lighting fixtures, electrical appliances, personal belongings, machines, and tools.
  • Pets - coverage for your dog or cat to be protected in case of an accident.
Who can benefit:

This insurance is a comprehensive solution for anyone seeking security and peace of mind for their home.  

Covered risks:
  • Fire and the consequences of extinguishing it, lightning (thunder, lightning); explosion and implosion; collision or fall from aircraft and parts thereof;
  • Storm, hurricane, whirlwind, tornado, damage from falling branches and trees, hail and its consequences, torrential rain, flooding due to natural disaster;
  • Water supply and sewerage accidents – damage caused by accidents involving water supply, sewerage, heating, and air conditioning systems and/or pipes is covered; sudden water leakage from sprinkler systems;
  • Damage to movable property during transport when changing address (by own or hired transport);
  • Short circuit/power surge;
  • Impact by a motor vehicle or animal belonging to or controlled by third parties;
  • Earthquake;
  • Malicious acts by third parties;
  • Fire caused by malicious acts by third parties;
  • Vandalism and vandalism during attempted burglary of immovable property;
  • Terrorism;
  • Liability to third parties for risks covered by the policy;
  • Broken glass; 

    Clause K - Theft, including:
  • "K1" - Burglary and theft committed using technical means;
  • "K2" - Robbery;
  • Safe internet - "Safe Internet" is an insurance clause providing coverage with a liability limit of up to BGN 1,000, and at the same time is a preventive measure limiting a number of harmful effects that can reach the customer via the internet;
  • "Cyber Help" - provides expert assistance in the event of a cyber threat. ZK "LEV INS" provides insured persons with a hotline for service and immediate response from qualified information security specialists in order to minimize and prevent cyber incidents. With this coverage, you are guaranteed up to 50 hours of expert assistance from consultants at the Security Operations Center (SOC) during the insurance period;
  • Pet (dog or cat) - pets (dogs or cats) aged 1 to 8 years that have a passport proving their permanent residence at the specified address and are identified with a microchip are covered by insurance; 
    "Insure your garage" when the garage has a separate notarial deed from the main building. 
Additional advantages:

  • Easy and quick conclusion without preliminary inspection and assessment of the property;

  • Flexibility in choosing coverage according to your needs;

  • 100% coverage of expenses – the insurance does not include deductibles, which means that all approved expenses are covered in full by us;

  • Option to protect your home internet network by selecting the "Safe Internet" and/or "Cyber Help" clause;

  • 24/7 free emergency assistance in the event of an insured event;

  • Option to choose the currency – BGN or EUR.

АEmergency assistance for the home 0800 10 200

With its Home Property Insurance, LEV INS provides an emergency response service by a specialist technician at no additional premium.

  Plumbing services (labor and materials)

 Locksmith services (labor and materials)

Electrical services (labor and materials)

Glazier services (labor and materials)

*Emergency assistance is available for the cities of Sofia, Plovdiv, Varna, Burgas, Stara Zagora, Ruse, Veliko Tarnovo, Vratsa, Pleven, and Blagoevgrad, and within a 30 km radius of these cities.

Застрахователно покритие I вариант II вариант III вариант IV вариант V вариант VI вариант VII вариант VIII вариант IX вариант X вариант XI вариант XII вариант XIII вариант XIV вариант XV вариант
Договорена стойност

ЛИМИТ НА ОТГОВОРНОСТ / ЗАСТРАХОВАТЕЛНА СУМА 

ЛЕВА / ЕВРО
Недвижимо имущество
Клаузи: А, Б1, В1, В2, В3, В4, З, Т, С1, АВ		 10,000 20,000 30,000 50,000 80,000 100,000 120,000 150,000 200,000 250,000 300,000 350,000 400,000 500,000 1,000,000
Клауза C2
Вандализъм		 500 1,000 1,500 2,500 4,000 4,500 6,000 7,500 10,000 12,500 15,000 17,500 20,000 25,000 50,000
Клауза О
Отговорност към трети лица		 1,000 1,000 2,000 2,000 3,000 4,000 4,000 5,000 5,000 10,000 10,000 10,000 10,000 10,000 10,000
Клауза С3
Счупени стъкла		 230 460 680 1,100 1,740 1,960 2,600 3,220 4,400 5,000 6,000 7,000 8,000 10,000 20,000
Застрахователна премия за недвижимо имущество  14.00 24.00  36.00   60.00 96.00  108.00   144.00  180.00 210.00  237.50   270.00  297.50 320.00  350.00  750.00 
Застрахователно покритие I вариант II вариант III вариант IV вариант V вариант VI вариант VII вариант VIII вариант IX вариант X вариант XI вариант XII вариант XIII вариант XIV вариант XV вариант
Договорена стойност

ЛИМИТ НА ОТГОВОРНОСТ / ЗАСТРАХОВАТЕЛНА СУМА 

ЛЕВА / ЕВРО
Движимо имущество
Клаузи А, Б1, В1, В3, В4, С1		  1,500 3,000  4,000  5,000  7,000  8,000   10,000  15,000  20,000 25,000  30,000  35,000   40,000 50,000   100,000
Клауза К Грабеж;
Кражба чрез взлом и кражба с техническо средство
 1,000 1,500  2,000  2,500  3,500  4,000  5,000   6,000  8,000  5,000  6,000 7,000   8,000  10,000 20,000 
Застрахователна премия за движимо имущество 10.00  17.00 24.00  32.00   49.00 68.00   82.00  90.00  110.00 125.00  150.00   175.00  200.00  250.00 510.00 
Клауза Р
Разходи

 5% ОТ ЗАСТРАХОВАТЕЛНАТА СУМА ЗА НЕДВИЖИМО ИЛИ ЗА ДВИЖИМО ИМУЩЕСТВО

ИЛИ ОБЩИЯ ЛИМИТ, АКО СА ИЗБРАНИ И ДВЕТЕ ПОКРИТИЯ
Общо дължима сума 24.00   41.00 60.00  92.00  145.00  176.00  226.00  270.00  320.00   362.50 420.00  472.50  520.00   600.00 1260.00 
ДОПЪЛНИТЕЛНИ КЛАУЗИ
Клауза БИ
Безопасен интернет		 Клауза Кибер Хелп Клауза Д
"Домашен любимец"
(куче или котка)

Лимит на отговорност
Застрахователна сума - 500 лева / евро		 Клауза Г
"Застраховай гаража си"
Недвижимо имущество
Клаузи А, Б1, В1, В2, В3, В4, З, С1, АВ

Лимит на отговорност
Застрахователна сум - 10 000 лева / евро
10,00 10,00 41,25 39,00
Премиите в таблицата с в лева и са без включен 2% данък, съгласно ЗДЗП
Настоящата тарифа е приета от управителния съвет на ЗК "ЛЕВ ИНС" АД с протокол от 26.04.2005 г. допълнени и изменени с протоколи от 14.10.2008 г., 10.06.2010 г., 03.02.2012 г., 06.02.2015 г., 16.02.2017 г., 08.08.2017 г., 30.04.2018 г., 20.10.2020 г., 20.03.2022 г. и 15.01.2025 г.
+359 2 4049 437
stoyka.baldzhieva@lev-ins.com
Property Insurance Contacts

Frequently Asked Questions

With Home Property and Secure Internet insurance, you can protect your real estate, movable property, pet (dog or cat), home internet network, and garage, if it has a separate title deed from the main building. Real estate includes dwellings (houses, apartments, studios, attics, maisonettes, villas). 
Basements, attics, garages, and auxiliary buildings can be insured together with the dwelling only if they are listed in the title deed. 
Insurance of movable property includes furniture, household and computer equipment (furniture, lighting fixtures, household appliances, smart devices such as automatic fire sprinklers, gas and water shut-off sensors, security systems, smart thermostats, etc.; air conditioners, fireplaces - dry, with water or air jacket, which do not need to be built in, household electronics) located at the address specified in the insurance contract. 

The insurance takes effect after payment, or in the case of deferred payment, after receipt of the first installment. 

The insurance is valid for 1 year. 

No. Home contents insurance only applies to properties located in Bulgaria. 

If you change your name or mailing address during the period when the insurance is active, you should contact a representative of ZK "LEV INS" AD and notify them of the changes. 

In the event of an insured event, you must immediately notify the fire department and/or the police and other competent authorities, if necessary, and call 0800 15 333 or 0800 10 200 to report the event. Within 3 (three) business days, you must notify the nearest agency of ZK "LEV INS" AD in writing. It is important to preserve the damaged property for inspection by the insurer.

The deadline for notification of an event covered by the risk of Robbery and/or Burglary and theft committed using technical means is 24 hours from the time of discovery. Our assistance services are valid for Sofia, Plovdiv, Varna, Burgas, Stara Zagora, Ruse, Veliko Tarnovo, Vratsa, Pleven, and Blagoevgrad, and within a 30 km radius of these cities. 

The compensation shall be paid to the insured person (or the beneficiary under the contract) only by bank transfer to the bank account specified by the person. 

Yes, in order to insure your pet, it must have a passport. 

The policy can be transferred to the new owner with an Addendum, keeping the agreed groups of insured property, the insured value/agreed limit, and the premium. This should happen within 7 days of the buyer getting the new notary deed. 

Related products

Motor Third Party Liability Insurance

Motor Third Party Liability Insurance
Motor Third Party Liability Insurance is mandatory for all motorists in the Republic of Bulgaria.

Motor Casco Insurance

Motor Casco Insurance
Care and protection for your car on the road

Travel Abroad Insurance

Travel Abroad Insurance
Protection that travels with you everywhere.
0/0