"Moja kućica" – insurance of apartments and houses

Clients can now purchase property insurance “Moja e-kućica” via the DDOR webshop – quickly, easily, and fully online.

“Moja e-kućica” is designed to protect apartments, family houses, and household contents through a fully digitalized purchasing process, enabling policy issuance in just a few minutes. The product is available in four packages, created to meet different needs and levels of household protection:

• START – a basic level of protection for clients seeking coverage of key risks at an affordable price.
• SMART – extended protection with additional coverage for more common household risks.
• SUPERIOR – comprehensive insurance with a broader scope of coverage and additional benefits.
• PREMIUM – the highest level of protection, offering the widest coverage and additional services for maximum security.

When things suddenly go wrong—be it a fire, flood, or burglary—it’s important to know that you’re safe and that there won’t be any unforeseen financial losses. This insurance program, unique on the Serbian market, provides complete protection for your entire household. “Moja kućica” and “24/7 Emergency Home Repairs” give you peace of mind, knowing that your property has been adequately protected.

Select the “Moja kućica” package, and you can also benefit from “24/7 Emergency Home Repairs”, which will take care of any emergencies in your home.

Pipes burst, electrical faults occur, front door locks break, and similar accidents typically happen on Sundays or holidays. What happens if your handyman is unavailable and your next-door neighbor is away?

DDOR Novi Sad is always here when you need it. This is why we’ve designed an efficient solution for your problems – “24/7 Emergency Home Repairs”, in cooperation with the globally acclaimed assistance company “Europ Assistance”, whose services are available to 300 million clients spread across five continents.

At your service non-stop, 24 hours a day, we provide the following services:

• Visit from a Qualified Professional: Certified handymen ready to tackle any issues you might have in your home.
• Coverage of Costs: The costs of services provided by professionals, as well as the costs of small inventory needed to carry out repairs.
• Coverage of Accommodation Costs: If the damage to your home makes it unfit to stay in, we’ll cover the costs of accommodation while the damage is being repaired.

“24/7 Emergency Home Repairs” insurance provides the organization of assistance and coverage of costs for professional labor, 24 hours a day, for the following services:

• Plumbing Services: Repairing faults or unclogging water supply and sewer installations.
• Carpentry Services: Repairing damaged windows and doors or those broken during a burglary.
• Locksmith Services: Assistance in case you lose the keys to your house or apartment.
• Glass Repairs and Replacements: Repairing or replacing glass surfaces in case of damage.
• Masonry and Roofing Services: Repairing damaged walls or roofs.
• Electrical Services: Eliminating faults in electrical installations.
• Heating System Repairs: Repairing faulty heating units.
• Air Conditioning Repairs: Repairing damaged or faulty air conditioning devices in your home.
• Cleaning and Drying: Assistance in case of water outflow, flooding, or intrusion of waste waters into your building.

All of the above services are at your disposal 24/7, so that you can quickly resolve any issues you might have in your home, regardless of the time of day or night when they occur.

We’ve created a premium calculator for all those who want a quick and simple estimate of the price of insuring their home. This tool enables you to enter basic information about your building and the protection you need, based on which you’ll receive a personalized email offer as soon as possible.

How Does the Calculator Work?

The calculator has been designed to enable us to collect all the relevant information needed to create a precise offer as simply as possible. The process is quick and easy:

• Enter the basic information about your property – type of building (apartment, house, weekend home) and the surface area in square meters.
• Select the desired coverage and risks – select which risks you want to be insured against, such as fire, flood, or burglary.
• Enter your contact information – first name, last name, and email address, so that we can send you our offer.

What Happens After I’ve Entered My Data?

After you’ve entered your data into our calculator, our expert staff will process your information and send a personalized offer to your email as soon as possible.

In just a few steps, you’ll receive a precise insurance offer, specifically tailored to meet your needs and take care of your priorities!

The price of insurance depends on a variety of factors that define the type of coverage, property value, as well as any specific risks you might wish to be insured against. The key factors that determine pricing include:

• Value of the insured property
• Selected risks
• Location of the property
• Type of building

The cost of insurance should be viewed as a long-term investment in the security of your home. As an example, calculate how much it would cost you to repair damage caused by flooding, fire, or burglary, and compare this amount to the annual insurance premium. The majority of risks covered by our policy imply potential high costs, while the price of insurance is relatively low compared to potential losses.

How Much of My Costs Will Be Covered?

With our “Moja kućica” insurance, you can also activate the “24/7 Emergency Home Repairs” service, which includes:

• Up to 200 euros per single occurrence for costs of services provided by professionals, and up to 20 euros for costs of work materials (the remaining loss is covered under the Moja kućica policy, provided that you’ve insured the respective items and risks).
• Up to 500 euros per single occurrence for costs of temporary accommodation, including costs of transportation.
• Up to three emergency incidents per year, which means you’ll have uninterrupted assistance and protection in case of unexpected problems.

In situations that call for emergency intervention, call the Help Center as soon as possible at 021 450 456 and 011 228 4147. Don’t try to resolve the problem on your own (other than to prevent further damage or to save lives). Follow the instructions you receive from the Help Center.