Insurance Guide: An Online Guide to Home Insurance—coverage for buildings and property, liability insurance, common exclusions, and common mistakes when choosing a policy. Compare prices.
• 2025-05-15
A home is not only an investment, but also a place where we feel safe, where we rest, raise our children and accumulate valuables. However, even in the safest apartment block or well-kept private house, there are risks that can lead to significant financial losses. Home insurance is one of the surest ways to protect your property against unexpected disasters.
Home (or dwelling) insurance covers several main categories of protection:
Building or premises insurance: walls, roof, floors, structures, fixed elements.
Domestic (home) contents insurance: furniture, household appliances, clothing, equipment.
Civil liability insurance: when a third party is harmed (e.g. a neighbour is flooded).
This applies to flats, private houses, cottages, holiday homes, even garden sheds and garages.
Fire is one of the biggest disasters, and can destroy an entire property in minutes. Insurance covers the cost of rebuilding, repairs, temporary accommodation and even loss of value.
Broken pipes, leaking roofs and improperly connected appliances can cause a lot of damage. This is one of the most common insured situations.
Storms, floods, hail and lightning strikes are natural phenomena for which no one is responsible, but insurance can cover losses.
Even in a secure area, a break-in can happen. Broken doors, stolen items and damaged interiors can cause significant financial loss.
A broken window by a child, a car crashing into a building's facade, even damage caused by animals can be insured.
When water spills from your flat and damages your neighbours' ceilings or floors, you are responsible for the damage. These situations are one of the most common reasons for using insurance cover.
Buildings: walls, roofs, partitions, plumbing, etc.
Domestic assets: furniture, electronics, objects.
Valuables: artworks, jewellery (by arrangement).
Shared use elements: glass, doors, facades.
Insurance companies usually offer different packages:
Minimum: disasters, fire.
Medium: + accidental infringements, civil liability.
Maximum: all-risk insurance.
The choice depends on where you live, the value of your assets and your need for personal security.
When taking out a home loan (mandatory)
When renting a home
For renovations
Living in a block of flats, especially above other residents
Personal identification number
The address of the property
Extract from the Centre of Registers
Security system information (alarms, cameras)
Preferred sum insured or quadrature valuation
Draudykle.lt allows you to:
Compare all offers
Find out which insurances are most relevant to you
Choose the right insurance package for your needs
Get a personalised offer quickly and efficiently
With Draudykle.lt, you can find not only the best price, but also the most suitable solution for protecting your home.
