Property insurance

“My Apartment” voluntary insurance program

The object and subject of insurance

“My Apartment” voluntary insurance program is designed for insurance of structures owned by individuals.

The insurance hereunder shall cover the property interests of immovable property owner (the “Insured”) related to possession, use, disposal of immovable property specified in Insurance Agreement as well as related to unforeseen expenses that may arise upon occurrence of an insurance event specified in the Program.

The subject of Insurance Agreement shall be insurance of immovable property owned by an individual (walls, ceiling, windows, doors, interior decoration of premises, floors) that has been damaged upon occurrence of an insurance event specified in this Program.

The following items shall not be insured:

  • immovable property removed from housing stock (outbuildings, separate structures within a yard, mobile units etc.);
  • immovable property that is in temporary use of residents;
  • reed-frame, adobe, dilapidated structures.

In accordance with the terms and conditions of this Program, any movable property located within the insurance territory shall not be the subject of insurance.

Виды страхования


In accordance with the terms and conditions of this Program, insurance amount under Insurance Agreement shall be determined by mutual consent of the parties in amounts demonstrated in the table below. Amount of insurance premium (in tenge) payable under Insurance Agreement, taking into account the insurance amount, shall be determined according to the following table:

                                                                                      Insurance amount (KZT)

300 000

700 000

900 000

                                                                                    INSURANCE PREMIUM (KZT)

3 000

7 000

9 000

Insurance agreement provides for unconditional franchise as a percentage of insurance amount:

  • damage to insured immovable property – 1.0% of insurance amount;
  • total loss of immovable property (if damage exceeds 85% of actual value of immovable property) – 10.0% of insurance amount;
  • for “earthquake” risk – 10.0% of insurance amount.


In accordance with this Program, an insurance event shall be deemed damage or loss of insured immovable property as a result of occurrence of an event or a combination of events (insured risks) determined by Insurance Agreement, including damage caused by the third parties residing in adjacent territory (the “neighbors”).

Damage or destruction of insured immovable property as a result of the following events shall be deemed an insurance event under this Program:

  • fire; explosion; explosion of gas used for domestic purposes;
  • earthquake;
  • natural disasters;
  • damage caused due to measures taken to save both the insured immovable property and adjacent premises when extinguishing the fire or preventing its spread;
  • flooding of water supply, sprinkler, sewerage and heating systems, penetration of water from neighboring premises.

Insurance rates