Vehicles and equipment
Property and business
Finance and liability
Personal and welfare
IIZI Accident Assistance

IIZI Accident Assistance

The insurance broker’s service not only includes the process of entering into an insurance contract but also counselling in case of loss events.

Cyber risk assessment report

Cyber risk assessment report

Analysis of the company’s publicly accessible network systems.

Korteriühistu kindlustus

Apartment association insurance

The apartment association maintains shared property and covers unforeseen events residents can't anticipate.

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The apartment association insurance solution provides property and liability insurance coverage for apartment owners regarding jointly owned parts of the building.

Varakindlustus

Property insurance

Covers parts of the building jointly owned by the members of the apartment association.

Vastutuskindlustus

Liability insurance

Protects the association in cases where it is responsible for damage caused to third parties (e.g., slipperiness, ice, pipe leaks, etc.).

There are over 23,000 apartment associations in Estonia.

Over 50% of claims are related to water damage.

Average claim amount is €6,500.

We make choosing insurance easy by combining up to seven offers into a single, clear comparison summary that is easy to present at the association meeting.
  • Home insurance alone is not enough

    Home insurance covers the apartment unit but not the shared parts of the building.

  • The association's property is everyone's property

    Apartment owners share responsibility for the building’s structure, roof, stairwells, and systems.

  • Shared structures also need protection

    Shared facilities like garbage houses, playgrounds, fences, and gates are part of the apartment owners’ co-ownership.

  • When something happens, the costs can be huge

    Fire, storms, or water damage can result in repair bills amounting to hundreds of thousands of euros.

Vastutuskindlustus hoiab ära ootamatu rahalise kulu

Liability insurance avoids surprise costs

If snow or ice from the association’s roof damages a parked car, the association is liable—without insurance, costs come from its own budget.

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Puu ühistu maal kahjustas parkivat sõidukit

Tree on association land damaged a parked vehicle

During strong winds, an old tree growing on the apartment association’s land fell over a fence onto the neighbor’s yard, damaging a parked car. Since the tree was on the association’s land, the damage had to be compensated. The car repair was covered by the association's liability insurance.

Põrandaküttetoru leke kahjustas kogu ridaelamut

Underfloor heating pipe leak damaged the entire row house

A central underfloor heating pipe began leaking in a row-house-type building. Initially unnoticed, the moisture quickly spread, damaging the entire ground floor: swollen parquet, water-damaged walls, and significant interior renovations in several apartments. Over ten apartments were affected, and the total damage was nearly €50,000. The heating system was under the association’s responsibility, making it liable.

Vandaalid lõhkusid kortermaja välisukse

Vandals damaged the apartment building’s entrance door

Vandalism damaged the front door: broken glass, damaged handle and locking mechanism, and the stairwell remained open overnight. By morning, the incident had been reported to the police. The new door installation, labor, and security upgrades were a significant expense.

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Let us help you find the right insurance solution for your association.

Request a quote