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    COMPARE Home Insurance  

  • You choose it if

    If you have a mortgage with BT, homeowners insurance is required to protect your property for the entire term of the loan.

    Are you looking for insurance that’s available anytime, for homes with or without a mortgage?

    If you have a mortgage with BT, homeowners insurance is required to protect your property for the entire term of the loan.

    Are you looking for insurance that’s available anytime, for homes with or without a mortgage?

    Eligibility

    This optional insurance can be issued if there is an active PAD policy.

    Otherwise, you can have your PAD policy issued at any BT branch.

    This optional insurance can be issued if there is an active PAD policy.

    Otherwise, you can issue or renew your PAD policy directly through BT Pay as an intermediate step toward activating your home insurance.

    This optional insurance can be issued if there is an active PAD policy.

    Otherwise, you can have your PAD policy issued at any BT branch.

    This optional insurance can be issued if there is an active PAD policy.

    Otherwise, you can issue or renew your PAD policy directly through BT Pay as an intermediate step toward activating your home insurance.

    Policy Term

    In the long term, it has the same duration as the mortgage loan.

    Annual, with the option to customize the package at each renewal, depending on your needs.

    In the long term, it has the same duration as the mortgage loan.

    Annual, with the option to customize the package at each renewal, depending on your needs.

    Coverage
    • Building

    You can opt for additional coverage:

    • Household goods
    • Civil Liability
    • Building
    • Household goods
    • Civil Liability

    In addition, you can choose coverage for:

    • Electrical damage
    • Heating plants
    • Emergency technical support
    • Building

    You can opt for additional coverage:

    • Household goods
    • Civil Liability
    • Building
    • Household goods
    • Civil Liability

    In addition, you can choose coverage for:

    • Electrical damage
    • Heating plants
    • Emergency technical support
    Cost
    • Real estate - 0.12% of the insured amount
    • Deductible - 0.14% of the insured amount
    • Liability insurance - 0.16% of the insured amount

    The cost is customized based on the selected coverage and the home’s characteristics (size, age, location).

    • Real estate - 0.12% of the insured amount
    • Deductible - 0.14% of the insured amount
    • Liability insurance - 0.16% of the insured amount

    The cost is customized based on the selected coverage and the home’s characteristics (size, age, location).

    Payment

    Monthly, quarterly, semi-annually, or annually, for the entire duration of the loan.

    One-time payment – you can choose to pay in full or in 6 or 12 installments using your store card.

    Monthly, quarterly, semi-annually, or annually, for the entire duration of the loan.

    One-time payment – you can choose to pay in full or in 6 or 12 installments using your store card.

    Maximum insured amount

    500,000 euros. For properties mortgaged with BT, the values in the BT system apply.

    • Property + contents – maximum 500,000 euros (equivalent in lei).
    • Content – maximum 30,000 euros (equivalent in lei).

    500,000 euros. For properties mortgaged with BT, the values in the BT system apply.

    • Property + contents – maximum 500,000 euros (equivalent in lei).
    • Content – maximum 30,000 euros (equivalent in lei).

    useful documents

    Insurance Product Information Document
    Terms and Conditions
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