The insurance object shall be the property interests of owner of real estate (further – the Insured) associated with possession, use and disposal of real estate specified in insurance agreement as well as contingent expenses that may arise upon occurrence of insured event covered by the Program.
The subject matter of insurance agreement shall be the insurance of real estate owned by individuals (roof, walls, ceiling, windows, doors, interior finishing of premises, floors) damaged upon occurrence of insured event covered by the Program.
The following shall not be accepted for insurance:
- real estate moved out of housing stock (addition to structure, separate structures within courtyard, movable modules etc.);
- real estate in temporary use of inhabitants;
- frame-reed, sun-dried and ramshackle structures with over 30 years of operation.
In accordance with conditions of this Program any movable property within insurance territory shall not be the subject matter of insurance.
INSURED AMOUNT, INSURANCE PREMIUM
In accordance with conditions of this Program the insured amount under an insurance agreement shall be KZT 300,000 (three hundred thousand tenge).
The insurance premium shall be KZT 3,000 (three thousand tenge). The insurance premium shall be paid as a lump sum when signing an insurance agreement by cash.
INSURED EVENT
In accordance with conditions of this Program the insured event shall be the damage or loss of insured real estate as a result of occurrence of event specified in the agreement or aggregate of events (insured risk) including damage caused by the third parties living on the adjacent territory (further — neighbors).
Insured event under this Program shall be a damage or destruction of insured real estate as a result of the following events:
- fire, explosion, explosion of gas consumed for domestic purposes;
- earthquake;
- natural disasters;
- damage caused by efforts taken to rescue both insured real estate and on adjacent premises when extinguish the fire or preventing its spread;
- flooding by water-pipe, splinter, sewage and heating systems, penetration of water from neighboring premises.
