The insurance premium is determined by the value of the property and belongings in the insured home or apartment. The apartment's location is also taken into account. For example, if your property is located in an area that is considered higher risk or more exposed to theft or burglary, the price will be higher accordingly. Private houses and ground-floor apartments are more exposed to burglary and theft incidents, and therefore their insurance policies are usually more expensive than those of apartments in shared buildings. In higher-risk areas or on lower floors, installing a security door or protective measures such as bars or an alarm system can help prevent burglary or theft and may reduce insurance costs.
For Structure Insurance, it is also possible to add third-party liability coverage, employer’s liability for household employees such as a housekeeper or caregiver, and coverage for their personal belongings. Coverage can also be added for personal items outside the apartment, such as in a storage room, bicycles, and more.

Contents insurance protects against damage to the insured property (not the structure) in the insured's apartment or house. Contents insurance covers a wide range of risks, including theft, burglary, fire, robbery, floods and water damage from external sources, thunder and lightning, explosions, storms, malicious damage, and additional fire-related incidents. Contents insurance protects against damage to the insured property (not the structure) in the insured's apartment or house. Contents insurance covers a wide range of risks, including theft, burglary, fire, robbery, floods and water damage from external sources, thunder and lightning, explosions, storms, malicious damage, and additional fire-related incidents.

Structure Insurance, as the name implies, is intended to compensate the insured in case of direct damage to the structure of the apartment or house (floors, walls, roof, ceiling, windows, doors, and attached parts of the building such as storage rooms, solar systems, piping, heating systems, balconies, telephone and electrical installations, gates, fences, and more). Structure Insurance is suitable for apartment owners, residents in shared buildings, private homeowners, and also tenants who want to protect their property or are required to do so under a rental agreemen Banks and mortgage lenders usually require their customers to have building insurance. Structure Insurance ensures that in the event of a claim (covered according to the policy terms), you will receive compensation for damage to the structure, as well as reimbursement for additional expenses caused by the damage, such as surveyor fees, architects, consultants, engineers, contractors, other professionals, debris removal, and loss of rental income.

Below is a list of items that are not covered under standard home contents insurance. If coverage is needed, they must be insured separately and specifically: securities and bonds, animals, watercraft, checks, motor vehicles, certificates, documents, and manuscripts. Weapons and business-related items are also not covered. It is important to remember that items located outside the entrance door, in stairwells, or in the building entrance area are not insured. For example, bicycles, strollers, or furniture kept outside the home require appropriate additional coverage under the contents policy.

Additional coverages for a contents insurance policy can be purchased for an extra premium or offered at no extra cost. For example, people who use part of their home for work or business can extend the contents insurance policy to include areas used as an office or clinic.