Individuals
Property & home insurance
Building and contents — protection against natural perils, water damage and theft.
For flat and house owners who don't want to discover they're underinsured at claim time.
The most common mistake is underinsurance — the sum insured doesn't match the value, so the payout is reduced.
Building insurance protects the structure itself; home contents insurance covers what's inside — it usually makes sense to have both. The most common and most expensive mistake is underinsurance: when the sum insured doesn't match the real value, the insurer reduces the payout by the same proportion. That's why we set the sum insured to the reinstatement value and keep it updated.
What you get
What the insurance covers
What it usually doesn't cover
- Damage from long-term neglected maintenance and gradual deterioration
- The underinsured portion of the value — the payout is then reduced proportionally
- Valuables and electronics above the agreed sub-limits
How it works
We assess value and risks
We set the correct sum insured
We compare offers
We arrange it and keep it updated
Example situations
A burst washing-machine hose
While you're on holiday the hose bursts and water floods your flat and the neighbour below. Home contents cover handles your damage; added liability covers the neighbour's too.
A windstorm tears off the roof
Strong wind damages the roof of the house. Building insurance covers repairing the roof structure and the follow-on damage inside.
What to prepare
Often overlooked
Frequently asked questions
What is underinsurance?
Not sure about your insurance?
Describe your situation and we'll get back with advice — no obligation.
Total Brokers a.s. is an independent intermediary registered with the Czech National Bank. Information on this website is general and not a binding insurance offer.
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