Home insurance just got a lot easier

Three home insurance packages. One simple choice.

The Allianz MyHome insurance is your insurance - regardless of whether you want to insure your house, flat or movables or all of these together. The package you choose can be further extended to include a family accident and life insurance without medical examinations, according to your needs

Please note that the following table highlights the limits applied in the Plus package, which are not present in the Max and Pro packages. However, the terms and conditions also include other limits, such as the limit depending on the level of protection in case of burglary, which are applied uniformly across all three packages. Therefore, we recommend reading the terms and conditions carefully.

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Extensive protection with service limits, at an affordable price
It provides comprehensive protection against damages such as burglary, robbery, or vandalism too
The most complete protection for your valuables
All risks
covers all damages to the insured assets except for the excluded risks specified in the terms and conditions, which occurred due to unforeseen reasons, accidentally, unexpectedly or as a result of external influence.
FLEXA
Losses caused by fire (including smoke and soot pollution), lightning, explosions, blasts or impact of third-party vehicle
Losses caused by natural disasters NATCAT
Damage caused by the following: storm, downpour, hailstorm, snow pressure, flood, landslide, falling rocks and soil, earthquake, damage caused by any collapse of unknown structures and hollows, falling of objects from outside of an insured object.
Home Assistance
Assistance services are provide immediate help in case of emergency and in case of the breakdown of household appliances by organization and quick service
Liability insurance
Liability insurance caused by the insured party to a third party will be provided within the limit amount chosen by the policyholder in accordance with the provisions set forth in the special terms and conditions
HUF 10 million
Insured expenses
Insured expenses, other costs related to insured event (demolition and construction, clean-up and removal of debris, planning documentation and authority permit, one-off cleaning after restoration) and compensation for rent of temporary accommodation. 
 with a limit
Water damages
It provides cover for losses arising from pipe burst, roof leakage, unblocking of drains and loss due to escape of water.
 with a limit
Glass breakage
It provides cover for losses arising from glass breakage or cracking (e.g.: glazing of doors and windows, furniture glass, mirrors, ceramic hobs, safety glass.)
 with a limit
Burglary, robbery, theft, sneak-theft
The coverage extends to damages caused in the building or to personal property due to burglary, attempted burglary, or robbery (including theft, disappearance, or damage related to the event). Additionally, it provides compensation for theft damages during sneak-theft or theft committed by a person who was allowed into the insured property in good faith.
Vandalism
Damage caused by unknown perpetrators (including scribbling on external surfaces), theft of building parts and accessories.
 with a limit
Short circuit and induction
It provides cover for damage arising from overvoltage caused by a short circuit and induction.
 with a limit

Would you like to know how much it would cost you to have Allianz MyHome insurance?

Allianz MyHome insurance – with a quick and easy process to report claims

man with tablet in front of house
Insure your home and movables
house with fire and flooding
Protect yourself in case of fire, floods, thefts and accidents
men shaking hands
You can count on us if your home, property or family suffer damage.

Would you like to report a claim or request information on a claim settlement in progress?

Allianz MyHome insurance – Frequently Asked Questions (FAQ)

The sum insured should be determined by asset group (asset category) in almost every case, for example: apartment, outbuilding, household movables, value-preserving assets etc. Formally, the sum insured is always determined by the policyholder, but in practice, the insurer provides assistance with this. In the case of the most common asset groups, such as different buildings and household effects, the insurer will recommend a sum insured on the basis of the useful floor area of the real property. In such cases, the insurer uses an average unit price for determining the sum insured, and therefore you must make sure to calculate with the real useful floor area of the property. Of course, it may still happen that the recommended sum insured is not suitable for you because for example your home is equipped with more expensive and higher quality coverings or equipment. Therefore, you can modify the recommended sum insured.

It is important to know that you can reduce the recommended sum insured only within certain limits; in this way the insurer helps you to avoid underinsurance. You can freely modify the recommended values upwards, to higher sums insured. However, with regard to sums insured that are much higher than average, the insurer may request an on-site inspection, and it will make a decision on whether to underwrite the risk based on that inspection.

It is worth taking care never to under- or overvalue the real property or movables to be insured. You should always provide real values, (reconstruction or acquisition value – only the latter in the case of movables), and relate the recommended sum insured to these. The reason for this is that the insurer will determine the replacement or restoration value on the basis of real values in the event of damage. In the event of underinsurance, the insurer will compensate for the damage only to the extent of the proportion of the sum insured to the cost of the newly constructed asset or its acquisition cost. The insurer will not pay the injured party any amount higher than the cost of restoring the asset to a new condition or the acquisition cost of a new asset, even in the case of overinsurance.

Family life insurance is available as supplementary insurance. The insured persons in the contract will be the person designated as the insured person of the home insurance and that person’s cohabiting spouse living at the insured real property, as well as any close relative (e.g. spouse, parents, children or siblings) living in the same household if these persons younger than 85 years at the time of the inception date.. The insurance covers the death of the insured person occurring for any reason, anywhere in the world. The initial sum insured of the life insurance is determined by the policyholder, and it can be any amount between HUF 200,000 and HUF 2 million that is divisible by 200,000. The contract can be concluded without a medical examination.

Further details are included in the Client Information and the contract terms and conditions of the Supplementary Family Accident Insurance and Supplementary Family Life Insurance for the Allianz MyHome insurance.

The accident insurance available as an add-on with the Allianz MyHome home insurance provides cover for permanent damage to health or death caused by a sudden, unexpected accident. Compensation will also be provided in the event of temporary damage to health, for example bone fractures or hospital inpatient treatment due to an accident, for more than five days. The insurance provides cover for insured events occurring anywhere in the world. The insured persons are the same as those with regard to home insurance. The initial sum insured of the accident insurance is determined by the policyholder, and it can be any amount between HUF 200,000 and HUF 2 million that is divisible by 200,000. Further details are included in the Client Information and the contract terms and conditions of the Supplementary Family Accident Insurance and Supplementary Family Life Insurance for the Allianz MyHome insurance.

The insurance terms and conditions include the description of anti-burglary levels and the definitions of property protection terms and the rules for storing assets that retain their value, as well as the service limits dependent on the security level at the time of the occurrence of the damage.

It is important that, in the case of insured events, the insurer will always inspect the security level at the time of the occurrence of the damage, because this will determine the service it provides, based on the provisions set out in the terms and conditions.

When purchasing or renovating real property, we often use bank loans. In such cases, the credit institution (mortgagee) requires home insurance as a condition of the disbursement of the loan, and the insurance must usually provide cover for damage caused to the financed property by fire, earthquake and natural disasters.

The mortgage can be reported by the insured person who takes out the loan, i.e. the mortgagor, upon the conclusion of the insurance contract (e.g. when purchasing a flat) or subsequently, concerning a home insurance contract that is already concluded. The mortgagor must make a statement in both cases, based on which the mortgage will be recorded in the insurance contract, and the insurer will issue a certificate regarding this.

The modification or cancellation of a registered mortgage requires the consent of the mortgagee. The insurer will inform the policyholder of the insurance contract and the credit institution acting as the mortgagee of the termination of the home insurance contract involving a mortgage.

It is possible to include several mortgages in one home insurance contract. However, at the time of recording a mortgage, the insurer will notify the previous mortgagees of the new record.

It refers to a theft loss where a person, who was allowed into the insured location in good faith by the insured, misappropriates the insured's property. The coverage amount extends up to 50,000 HUF. A police report is required.
A theft by someone sneaking in. This is usually through an open door or window, while the insured is present in the building, and misappropriates the insured's property. The loss is covered once per insurance period and up to 50,000 HUF. A police report is required.

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