We cover you for damages caused by an uncontrollable fire, meaning a fire that spread from an unknown source or one caused by a short circuit. We will also cover the short-circuited item that was burned."

We cover you for damages caused by lightning, as well as damages from explosions, whether physical or chemical, even if no fire followed, occurring inside or outside your home.

We cover you for damages from fire (accidental or intentional) in forests, clusters of trees and shrubs, meadows, and pastures, or from land clearing by fire. The forest fire coverage starts 7 days after the starting date of the policy.

We cover you for damages from fire smoke or from smoke that escaped from heating, drying, or cooking installations inside your home.

We cover any expenses you may need to extinguish a fire affecting insured items.

We cover you for damages from the crash of an aircraft or objects falling from it.

We cover you for damages from vehicle collisions with your home and its fences.

We cover you for damages from falling trees, branches, poles, and antennas.

We cover you for damages arising from disturbances of public order by individuals or groups, organised or not, as well as damages that may result from their suppression by the authorities.

We cover you for damages directly or indirectly related to terrorist acts or persons connected with terrorist organisations.

We cover you for damages from any malicious act against you by third parties.

We cover you for damages caused by flood, storm, gale, hail, snow, and frost. Coverage for natural phenomena begins 7 days after the starting date of the policy.

We cover you for damages from breakdowns, leaks, and overflows of pipes, tanks, water supply installations, central heating, air conditioning, solar heaters, and sewage. We also cover water extraction costs up to €1,500 within your home, as well as damages to your holiday home, provided the main water valve is turned off while you are away for more than 30 days.

We cover expenses up to €3,000 for locating, repairing, or replacing pipes if the damage is covered under the terms of pipe leakage coverage for water supply, heating, air conditioning, and sewage.

We cover you for damages to third parties resulting from fire, explosion or pipe leaks in water supply, heating, air conditioning, and sewage, for which a court has ruled you must provide compensation. All of these damages must be covered under the terms of the policy.

We cover you for items stolen from your home by burglars and for any damage they may cause even if nothing is stolen. To be covered, there must be visible signs of tampering, burglary, or climbing, you must notify the police within 24 hours, and if the home is unoccupied, you must have an alarm and any other security measures in place and maintain them according to the manufacturer's instructions.