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In short

It's great to know that whatever happens, the space that shelters you is also protected from the unexpected.

That's how we came to create an affordable and flexible solution for you and your home: home insurance.


Good to know

For residential property purchased on credit or with which we guarantee loans, it is compulsory to take out voluntary home insurance and a disaster insurance policy (PAD).

How does it work?

Before you take out such insurance, you need to know a few more important things:

  • mThe optional policy covers property damage caused by events that damage your home
  • mIn addition, the optional policy covers: liability and property insurance
  • mThe sum insured is the actual appraised value of the insured property
  • mThe sum insured, the insurance premium and the indemnity are fixed in the currency of the credit granted
  • mThe PAD policy covers risks caused by natural phenomena such as earthquakes, landslides or floods

Costs

  • mThe insurance premium for the optional policy is calculated by applying 0.12% to the market value of the property
  • mOptional insurance can be paid monthly, quarterly, half-yearly or annually, in the currency of the credit
  • mThe cost of the PAD policy is 130 Lei valid for one year, with full payment made when the policy is issued.

How do you get insurance?

Insurance for real estate credit is available exclusively in the network of BT units.

You can only take out this type of insurance (offered in conjunction with Groupama) if you have taken out a mortgage from BT.

Program directly into a BT unit.

See list of BT units