Home insurance

Insure what is important in your everyday life

Insure what is important in your everyday life

  • Get 15% discount if you buy Home Insurance together with Personal Accident Insurance
  • Special offer is valid from 2021 05 16 till 2021 10 31 if all conditions described below are met

Home insurance protects you against losses from a wide range of unexpected accidents.

Home insurance offer

Why choose home insurance?

Representative example for insurance combo offer

Luminor in cooperation with the insurance company AB Lietuvos draudimas offers excellent conditions if a combination of Home Insurance (Premium option) and Personal Accident Insurance is selected. The examples below show the total expenses if customer applies for multi-cover Home Insurance policy that includes several property-related risk coverages (building insurance, home contents insurance, civil liability insurance, personal civil liability, emergency home assistance services).

Deductible for property-related accidents is EUR 40, deductible for injuries and other personal accidents is EUR 0.

By adding Personal Accident Insurance (individual package with double protection) customer gets risk coverage for daily activities and different low risks sports, like fitness, yoga, running, aerobics, basketball, football.

Positions 1-room apartment 2-room apartment 3-room apartment Private house
Total area, sq. m 40 50 70 120
Insured property amount Replacement value Replacement value Replacement value Replacement value
Home contents insurance, EUR 12,000 12,000 12,000 12,000
Civil liability insurance, EUR 4,500 4,500 4,500 45,000 
Personal civil liability, EUR 3,500 3,500 3,500 3,500
Emergency Home Assistance, EUR 300 300 300 300
Personal Accident Insurance, EUR 6,400 6,400 6,400 6,400
Annual price for Multi-cover Home Insurance, EUR 66,60 82,32 110,64 168,96
Annual price for Personal Accident Insurance, EUR 28,00 28,00 28,00 28,00
Annual price for combination of Multi-cover Home Insurance and Personal accident insurance, EUR 94,60 110,32 138,64 196,96
Campaign price with 15% discount for combination of Multi-cover Home Insurance and Personal accident insurance, EUR EUR 80,41 per annum (EUR 6,70 per month) EUR 93,77 per annum (EUR 7,81 per month) EUR 117,84 per annum (EUR 9,82 per month) EUR 167,42 per annum (EUR 13,95 per month)

Home insurance options

Standard

This type of home insurance provides only building insurance

Standard+

This type of home insurance provides such cover:

  • Building insurance
  • Home contents insurance up to 12 000 EUR
  • Civil liability insurance: flat – 3 000 EUR, house – 30 000 EUR
  • Personal civil liability insurance: 2 900 EUR
For those who choose Standard+ a gift – „Emergency Home Assistance“ service

Premium

This type of home insurance provides such cover:

  • Building insurance
  • Home contents insurance up to 12 000 EUR
  • Civil liability insurance: flat – 4 500 Eur, house – 45 000 EUR
  • Personal civil liability insurance: 3 500 EUR
  • Insurance of all risks
For those who choose Premium – a gift "Emergency Home Assistance" service

When offering the Home Insurance Luminor Bank AS, reg. No 11315936, address: Liivalaia 45, 10145, Tallinn, Republic of Estonia, represented within the Republic of Lithuania by Luminor Bank AS Lithuanian branch (company code 304870069, VAT identifier: LT100011758514, address: Konstitucijos ave. 21A, 03601 Vilnius, Lithuania) acts as insurance agent, distributing an insurance on behalf of AB Lietuvos Draudimas insurance company (reg. No. 110051834, having its registered office at J. Basanavičiaus g. 12, LT 03224 Vilnius). Luminor Bank AS shall process your personal data to prepare AB Lietuvos Draudimas insurance offer and forward them to insurer.

How to get home insurance?

1

Submit the application

Fill in the application on our website and find out the precise insurance premium for the selected property

2

Confirm the offer

Receive the insurance offer by e-mail and confirm it by paying the first premium

3

Apply for Standing order

Define further payments in your Internet Banking under section Payments → Transfer in euros and mark “Periodic payment” if you have chosen to divide the total amount into several payments

Necessary documents:

  • Filled property insurance application if you apply electronically
  • Passport or ID card if you book physical meeting with bank specialist

Useful links

Home Insurance Rules, in Lithuanian
Comparison of Home Insurance options, in Lithuanian
Cover provided by home insurance
Covering Damages
Memo for Home Insurance, in Lithuanian
Insurance requirements
Insurance intermediary information, in Lithuanian

Simple, peace of mind home insurance

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