Home and contents insurance

If a pipe bursts, a fire breaks out or a burglar gets in, we pay for repairs and your belongings. Damage you cause to the neighbours is included up to ₼5,000. An 80 m² flat in Baku costs ₼67.20 a year.

Get a price and buy +994 12 555 20 20

A bright living room with a sofa, a dining table and curtains

Main terms

Building sum: Flat ₼700 per m², house ₼550 per m²
Price: 0.12% of the sum for a flat, 0.18% for a house; 0.35% for contents; at least ₼40
Example: An 82 m² flat in Baku with ₼12,000 of contents: ₼110.88 a year
Term: 1 year, renewed online

Who it is for

Owners of flats and houses, and tenants: a tenant can insure their own belongings and liability to the neighbours.

What is paid

Fire, lightning, gas explosion
Water: a burst pipe, boiler, tap, water from upstairs
Burglary and a broken door or window
Hail, storm, earthquake
Damage to the neighbours’ flat up to ₼5,000
Contents: furniture, appliances, clothes

What is not paid

Wear and mould from a slow leak
A flat left empty for more than 60 days
Cash and jewellery above ₼1,000 unless listed
Unauthorised building work

Tariffs

Tariff

Flat: of the building sum	0.12%
House: of the building sum	0.18%
Contents: of the sum	0.35%

Building sum: ₼700 per m² for a flat, ₼550 per m² for a house. 10% less outside Baku. At least ₼40.

The company’s own tariff, October 2026.

When it happens

Turn off the water, gas or power and make the place safe.
After a burglary call the police; after a fire, 112.
Call our claims line or report online within 3 working days.
An assessor comes the next working day and values the damage.

Report a claim

Documents you need

Policy
A police or Ministry of Emergency Situations certificate (burglary, fire)
Photos of the damage and a list of what was lost
A bank account (IBAN)

Questions

Is this the same as compulsory property insurance?

No. Compulsory insurance is required by law and covers the building itself for the sum the law sets. This policy is voluntary: it pays repairs at market prices and covers contents and damage to the neighbours.

I rent. What can I insure?

Your belongings and damage to the neighbours. The building is covered by the owner’s insurance.

Do I need to list my belongings?

No, you only choose a total. It is better to list jewellery and appliances worth more than ₼1,000 each.