Home Insurance

Insurance contract майна – надійний захист вашої квартири чи будинку на випадок будь-яких негараздів. (The insurance contract under this program is not additional to other goods, works or services that are not insurance)

Information about the insurance product

General conditions of the insurance product

"CLASSIC PROPERTY OF THE BANK" (The insurance contract under this program is additional to other goods, works or services that are not insurance)

Information about the insurance product

General conditions of the insurance product

Order по телефону

About the service

Об’єктами insurance є: property on the right of ownership, use and disposal of the property and/or possible losses or expenses.

Insurance risks:

Property Insurance від вогню та небезпечного впливу природних явищ.
Property Insurance від шкоди, заподіяної градом, морозом, іншими подіями (уключаючи крадіжку, розбій, грабіж, умисне пошкодження / знищення майна).

The minimum sum insured (liability limit): 0.1 (hryvnia).

The maximum sum insured (liability limit): 100 billion (hryvnias).

Порядок визначення страхової суми – за згодою Сторін.

Order по телефону

Benefits of issuing a policy

Transparent contract terms

Possibility of installments (for CASCO)

Promptness of payments

Free combination of risks

Information support 24/7

Exclusive options

Speed of conclusion of the contract

Affordable prices

Information about the insurance product

The contract is concluded for property located exclusively on the territory of Ukraine.

Не може бути об’єктом insurance, якщо інше прямо не вказано в Договорі:

- plastic cards, bank checks, securities, cash, documentation, securities, books, manuscripts, plans, drawings, photographs, negatives, precious metals and stones, as well as products thereof, jewelry, works of art, antiques, collections, furs and fur products;

- information in any form, software;

- animals, perennial plantations and the future harvest of agricultural crops, water bodies (ponds, lakes, etc.);

- power plants of any kind;

- engineering networks located at a distance of more than 25 m from the Place of Effectiveness of the Agreement;

- гідротехнічні споруди (зокрема дамби), залізниці, під’їзні шляхи, злітно-посадкові смуги, мости, естакади і аналогічні інженерні споруди, трубопроводи, шахти, мости, тунелі, греблі;

- buildings, the walls of which are made of wood or of wood in combination with other materials, and movable property in them;

- small architectural forms (stalls, trays, etc., without foundation arrangement), stages, canopies and other temporary structures, including movable property in them;

- greenhouses and movable property in them;

- property located underground (except for basements and underground garages), under water, on water;

- any movable property and goods in circulation that are under the open sky, which due to their technological properties cannot be under the open sky;

- майно, що знаходиться на відстані ближче ніж 100 м до водойми (будинки безпосередньо на березі моря/річки, набережні, причали, дамби та насипи, мощені береги, тротуари на берегах, хвилерізи та берегоукріплюючі споруди, в тому числі рухоме майно на цих об’єктах);

- будь-які види кар’єрів, родовищ, свердловин, тощо, та майна у/на них;

- any property in markets and bazaars;

- any vehicles, including construction and agricultural machinery;

- advertising signs, light boxes, screens installed in the open air, which are not permanently attached to the building structure;

- ATMs, payment terminals, vending machines and similar equipment;

- assets in custody and/or on commission;

- waste incineration plants, composting plants;

- weapons, ammunition, explosives, fireworks;

- personal belongings: clothes (including fur products), shoes, suitcases, bags, briefcases, dishes, bedding, etc., which are not goods in circulation;

- low-value and perishable items, if they are not Goods in circulation;

- houses and structures in a state of emergency, as well as property located in them; buildings/premises exempted from residence/operation for a long period (more than 60 days) for any reason;

Note: Будівлі/приміщення звільнені від використання - це об’єкти в яких, поєднуються такі властивості:

a) for property used for business purposes:

- activities are not carried out in accordance with the title documents for this property and the state classifier of buildings and structures (current on the date of the incident);

- відсутня цілодобова або дванадцяти годинна охорона об’єктів організацією та/або особами з якими підписані відповідні договори на здійснення охоронних послуг.

b) for property not used for business purposes (apartments, residential buildings and property in them):

- non-residential condition of buildings/structures/premises;

- lack of written testimony from witnesses that would confirm the fact of residence.

- об’єкти незавершеного будівництва та/або які будуються, самочинне будівництво;

- майно, що на момент укладення цього Agreement знаходилося в зоні, яку оголошено зоною надзвичайної ситуації (таке майно не є застрахованим лише по випадкам (подіям), які були підставою для оголошення зони надзвичайної ситуації, в тому числі якщо такі події мають опосередкований зв’язок);

- any types of property of enterprises engaged in production, processing, processing, storage of products of the petrochemical, woodworking, paper-pulp, and chemical industries;

- твори мистецтва (картини, предмети живопису, скульптури, графіки, тощо), рідкісні, унікальні та ексклюзивні предмети, предмети антикваріату, виставкові експонати, пам’ятники історії, культури і архітектури, предмети та документи, що мають історичну і культурну цінність, предмети релігійного культу, бібліотечні та музейні фонди, колекції марок, монет, грошових знаків, бонів і інші колекції; manuscripts, plans, schemes, drawings, acts and other documents, accounting and business books, card files, photographs, negatives, negatives, models, layouts, samples, forms, precious metals/stones or articles thereof, leather and furs and articles thereof.

Розмір страхового тарифу встановлюється в залежності від страхової суми, розміру франшизи, виду господарської діяльності, об’єкту insurance, застрахованих ризиків, строку дії, способу сплати страхової премії.

Мінімальний розмір страхового тарифу – 0,0001 %

Мmaximumний розмір страхового тарифу – 50 %

Franchise Unconditional and/or Conditional:

from 0 percent of the sum insured to 30 percent of the sum insured.

The insurance term is defined in the insurance contract and cannot be shorter than the minimum term of the contract or longer than the maximum term of the contract.

Area of action – Україна. The Agreement does not apply to: the territory of Ukraine temporarily occupied by the Russian Federation (including its allies and/or armed formations subordinate to the power structures of the Russian Federation and its allies or private individuals); territorial communities that are located in the area of military (combat) operations or that are under temporary occupation, encirclement (blockade); populated areas, on the territory of which state authorities temporarily do not exercise their powers, and populated areas located on the demarcation line (in accordance with regulatory and legal acts approved in accordance with the procedure established by law).

The minimum term of the contract is 1 day.

Мmaximumний строк actions of the contract – 25 років.

The validity period of the contract can be extended by concluding the next insurance contract.

The insurance period is equal to the term of the Agreement (if the term of the agreement is more than 1 year, the insurance period is additionally specified in the Agreement).

The insurance contract enters into force from the moment indicated as the beginning of the Contract Term, but in any case not earlier than 00 hours 00 minutes of the date following the date of receipt of 100% of the insurance premium or its first part (if the Contract provides for the payment of the insurance premium in installments) in full to the current account of the Insurer.

A list of information that is essential for the assessment of insurance risk and/or information about other circumstances that are taken into account when determining the amount of the insurance premium:

- information about the insured (individual entrepreneur or legal entity, type of economic activity, information on losses for previous insurance periods);

- відомості про об’єкт insurance:

1) тип об’єкту insurance;

2 nature of use;

3)територія розташування об’єкту insurance.

- інформацію про чинні договори insurance, укладені щодо об’єкта insurance;

інформацію про наявність на законних підставах або на підставі інших правовідносин страхового інтересу щодо об’єкту insurance.

Можливі наслідки для споживача в разі невиконання ним обов’язків, визначених договором insurance:
- non-payment of the insurance premium in full within the term established by the contract has the consequence that the insurance contract does not enter into force;
- non-payment of the next part of the insurance premium within the term established by the contract is the basis for early termination of the contract;
- in case of untimely notification of the occurrence of an insured event, the Insurer may refuse to make an insurance payment or reduce its amount;
- невиконання інших обов’язків, що визначені за By contract можуть стати підставою для дострокового припинення actions of the contract, обмеження відповідальності Insurer чи відмови у страховій виплаті.

RESERVATION: Споживач зобов’язаний до укладення договору insurance ознайомитись з: інформацією про винятки із страхових випадків та підстави для відмови у здійсненні страхових виплат, ліміти відповідальності страховика за окремим об'єктом insurance, страховим ризиком та/або страховим випадком, а також порядок розрахунку та умови здійснення страхових виплат. Such information is set out in this Information Document.

Інше:

Implementation of promotional conditions for the sale of insurance products in accordance with the company's orders and marketing policy.

27 Years

in the insurance market

among Ukrainian insurers

Over 1.6 million

Satisfied Customers

Why Us?

Insurance Group "TAS" has been operating in the Ukrainian insurance market for over a quarter century.

Company працює на українському страховому ринку вже понад чверть століття, зарекомендувавши себе за цей час надійним страховиком для понад 1,6 мільйона своїх клієнтів, що гідно виконує свої зобов’язання перед ними.

Впродовж багатьох років СГ «ТАС» утримує провідні позиції на ринку як за кількістю укладених contractsв insurance, так і за обсягом виплачених за ними відшкодувань.

Yes, according to official NBU statistics, based on 2025 results, the company continues to firmly maintain its market leadership in terms of premiums and claims paid.

Традиційно перше місце посідає СГ «ТАС» і в низці сегментів ринку, зокрема в автострахуванні. Багато років поспіль компанія є лідером ринку обов’язкового insurance цивільно-правової відповідальності автовласників, а також утримує лідерство в сегменті добровільної «автоцивілки» та входить в число найбільших страховиків на ринку КАСКО.

Загалом СГ «ТАС» пропонує своїм клієнтам 60 різноманітних страхових продуктів, розроблених з урахуванням актуальних потреб клієнтів.

Страхова група «ТАС» приділяє мmaximumну увагу якості обслуговування своїх клієнтів та опікується питаннями постійного підвищення рівня сервісу.

Attentive approach to client needs, prompt claims settlement, and professional support in the event of an insured event are the company's top priorities.

In order to optimize the process of settlement of losses, the company has implemented a number of projects aimed at simplifying the procedure for the client to submit documents for payment, as well as significantly reducing the time he has to wait for the corresponding compensation.

Для забезпечення зручності клієнтів та їх оперативного й якісного обслуговування СГ «ТАС» активно розвиває й партнерську мережу throughout Ukraine, а контакт-центр компанії, що здійснює інформаційно-консультаційну підтримку застрахованих осіб, працює в режимі 24/7.

Про високий рівень сервісу та надійний страховий захист, що його забезпечує Страхова група «ТАС», свідчить той факт, що кількість клієнтів компанії, які саме їй довірили свій страховий захист, щороку лише зростає.

Reviews

Any Questions?

Feedback form

Enter a name

Enter your name in Ukrainian letters (Cyrillic)

Phone Number

Enter Your Phone Number

Enter Your Email

I agree to the processing of personal data Your consent to the processing of personal data is required for further processing of your insurance service

Offices:

ГОЛОВНИЙ ОФІС СГ "ТАС" М. КИЇВ

Address:

03062, Україна, Kyiv, пр. Берестейський, 65. Служба клієнтських сервисів в Києві: м. Kyiv, вул.В. Хвойки, 21, прохідна 3, оф. 133

Phone:

(093) 654 77 77, (095) 654 77 77, (097) 654 77 77. (044) 454 27 50 Client services in Kyiv: (044) 586 54 25.

Email:

[email protected]

Working Hours:

9:00 - 18:00

Офіс партнерської мережі в м. Kyiv #1

Address:

м. Kyiv, пр-т Берестейський, 65, каб. 123

Phone:

093 | 095 | 067 219 11 11 (ext. number 4621), (095)5550220, (097)5550220, (044)3541928

Email:

[email protected]

Working Hours:

9:00 - 18:00

Partner network office in Brovary #2

Address:

Kyivська обл., м. Бровари, вул. Kyivська, 161

Phone:

093 | 095 | 067 219 11 11 ,

Email:

[email protected]

Working Hours:

Mon–Fri 09:00–18:00

Partner network office in Pereyaslav-Khmelnytskyi #2

Address:

Kyivська обл., м. Переяслав-Khmelnytskyi, вул. Покровська, 37

Phone:

093 | 095 | 067 219 11 11, +38 050 385 24 19

Email:

[email protected]

Working Hours:

Mon–Fri 09:00–18:00

Kyiv Claims Center

Address:

м. Kyiv, вул. В.Хвойки, 21, прохідна 3, оф. 133

Phone:

(044) 586-54-25,

Email:

[email protected]

Working Hours:

Mon–Fri 09:00–18:00, break 13:30–14:30

Most Common questions

Frequently Asked Questions

Why should you choose "TAS"?

СГ “ТАС” - це одна з найбільших і найстаріших страхових компаній в Україні, яка працює на страховому ринку України вже понад чверть століття. Ми маємо багаторічний досвід, професійну команду, широку мережу філій і партнерів по всій країні та широкий спектр страхових продуктів для фізичних і юридичних осіб. СГ "ТАС" входить у п’ятірку найкращих insurance companies of Ukraine та є лідером на ринку compulsory insurance цивільно-правової відповідальності автовласників.

What Types of Insurance Are Available?

SG "TAS" offers over 60 different insurance products for you and your business, depending on your needs.
You May Also Find Useful:

car insurance — CASCO, MTPL, Green Card;
майнове insurance - insurance житла, insurance майна та відповідальності;
особисте insurance - медичне insurance; insurance від an accident; insurance подорожуючих Україною та за кордон

How to Choose the Right Insurance Product?

Choosing the right insurance product means choosing the one that best fits your needs and budget. To do this, you need to determine:

What you want to insure: a car, property, or yourself.
Which risk concerns you the most.
What coverage amount suits you: maximum, medium, or minimum.
What insurance premium amount you can afford.
How long you want to be insured: for one year or longer.

Потiм вам потрiбно порiвняти рiзнi страховi програми, якi пропонуються СГ “ТАС”. Ви можете звернутися до спецiалiстiв СГ “ТАС” за консультацiєю або скористатися нашими онлайн-calculatorами. Ваша мета - знайти той продукт, який надасть вам найбiльш повний захист відповідно до ваших потреб.

How to Report an Insurance Claim?

If an unfortunate event has occurred involving you, your car, or your property that falls under your insurance contract, you must immediately notify our company. Act calmly, without panic, and be confident: you are under the protection of a reliable partner — Insurance Group "TAS"! Дотримуйтесь інструкцій розділу “СТРАХОВИЙ ВИПАДОК” нашого сайту. Call the SG "TAS" contact center from the scene. Follow the recommendations of the contact center operator. You will need to provide documentary confirmation of the fact and circumstances of the insured event and submit a written claim to the nearest SG "TAS" branch within the timeframe stipulated by the insurance contract.

Why Do You Need Insurance?

Insurance is a way to protect yourself and your valuables from unforeseen events that can lead to financial losses or harm to health. An existing insurance policy allows you to receive compensation for part or all of the amount of damages if an insured event occurs, for example, fire, theft, road accident, illness, etc. Insurance from SG "TAS" is reliable protection and your confidence and peace of mind in various life situations.

How to issue an insurance policy at the "TAS" SG?

You can take out insurance at TAS in two ways: offline or online. In offline mode, you need to contact the nearest branch of SG "TAS" or our representative, who will advise you about the insurance conditions, select the optimal tariff and draw up a contract. You can apply for insurance online through our website by selecting the desired product, providing the necessary information and paying the insurance premium.

What Determines the Cost of an Insurance Policy?

The cost of an insurance policy depends on many factors, such as the type of insurance, the coverage amount, the duration of the contract, the individual risks of the client, etc. You can calculate the cost of an insurance policy on our website using online calculators or contact our consultants.

Home Insurance

If you are on this page, it means that comfort, peace of mind, and confidence in any situation are important to you, and you are looking for a truly effective solution to protect your property.

Insurance of real estate and household items from SG "TAS" is a real help in case something goes wrong with your home.

We will help you understand housing insurance, explain the nuances of mandatory and voluntary insurance of various residential objects, and also select the best conditions of insurance protection for your home.

Why do you need home insurance?

Housing is an important component of a person's quality of life, so its protection and preservation are very important. At the same time, there are many uncontrollable circumstances that can significantly damage your home or other people's property and create a lot of trouble. Unfortunately, even the most modern security and service technologies will not always protect your home from fire or flooding, from the actions of outsiders (arson or vandalism), and even more so, they cannot protect against natural disasters.

Втрата або псування майна, на придбання якого витрачено чималі зусилля та значні фінансові накопичення - подія дуже неприємна, про що не хочеться й думати. Вирішити проблему просто, якщо застрахувати житло від усіляких небезпек. Home Insurance дає змогу comprehensively покрити різні ризики та компенсувати втрати, у разі непередбачених неприємностей із вашою домівкою, не важливо, що це - будинок, дача чи квартира.

Why insuring an apartment is as important as a house?

If the need for home insurance is more or less obvious to potential policyholders, then apartment insurance seems to many owners not so important, but in vain.

In fact, owners of apartment buildings and townhouses in Kyiv or any other city of Ukraine risk their property even more than others. Potential problems caused by unforeseen circumstances surround them literally from all sides. Different systems and mechanisms, your own and those of your neighbors, are on the left, right, below, above. And in the case of their improper operation and failure, this is not only a convenience, but also a source of trouble. Therefore, the influence of both the human factor and the consequences of the elements in such buildings is much higher.

Fire, flooding, violations of safety equipment during repairs, theft, robbery - it is impossible to protect yourself from everything. But you can anticipate troubles and protect yourself from their consequences by signing a home insurance contract.

How to choose the right home insurance program?

In order to correctly choose the conditions, the risks that are covered, and to understand whether "Complete housing protection" from SG "TAS" is suitable for you or you will need another housing insurance program, we will further explain the nuances of insurance protection of residential objects.

The following rules are common to all residential facilities:

1) Real estate insurance can be: voluntary and mandatory (for example, for a bank with a mortgage).

2) Only objects that are used legally and exclusively for non-commercial purposes are subject to insurance.

3) Insurance protection applies to all types of private houses, country cottages, dachas, apartments, built in compliance with legal requirements, put into operation and registered in the prescribed manner (except objects that are in lien).

4) It is possible to take out an insurance policy for an apartment in a new building or a new house only after obtaining the right of ownership.

Who needs home insurance and who benefits from it?

Such an insurance policy is needed by anyone who legally not only uses the home, but is also responsible for it, as well as interested in preserving its value (restoration) in case of damage. It:

1) Home owners. In the event of an insured event, the insurance company will compensate the material damage within the insurance amount of the contract.

2) Користувачі (розпорядники) нерухомості. Home Insurance особливо актуальне під час укладання тривалих contractsв оренди, якими передбачено відповідальність користувачів за пошкодження орендованого майна (ремонту), а також за шкоду, завдану сусідам у період оренди житла.

Anyone interested in preserving its value can insure a residential object, but only its legal owner can receive monetary compensation. According to this principle, for example, the relationship between the owner and the tenant is built when renting a house or when buying real estate in installments (on credit).

Features of apartment insurance

When insuring an apartment or townhouse (including rented ones), it is better to take out a comprehensive insurance contract, which will include both insurance protection of the object itself and third-party liability insurance.

Because, in the event of an accident or a human factor (unblocked water pipe, short circuit, etc.), decoration of the premises, furniture, household appliances, and other household items may be affected not only by you, but also by your neighbors. In the event of a fire or gas explosion, even windows, doors, walls and ceilings can be damaged or completely destroyed. Therefore, the probability of causing significant material damage to third parties is very high.

Features of home insurance

House insurance provides insurance protection of private houses for permanent residence, cottages, dachas (with the exception of wooden, combined buildings and houses without a capital foundation).

In addition to the main building, the following may be subject to insurance protection:

- farm buildings, baths, indoor pools, winter gardens, fences, garden furniture;

- elements of structures, decoration of residential buildings and commercial premises;

- engineering equipment and technical systems;

- household items;

- responsibility for damages caused to other citizens.

At the same time, the following are not subject to insurance protection:

- houses not put into operation;

- objects located in the zone of military operations;

- buildings located in places of constant flooding and landslides, on the banks of rivers and seas (up to 100 m from a reservoir);

- housing with other features provided by the terms of the contract, and even certain household items;

The insurance product "Complete housing protection" from SG "TAS" is a voluntary insurance program, valid throughout Ukraine (except temporarily occupied territories and territories of hostilities).

The designer program "Complete housing protection" allows you to flexibly combine insurance conditions and risks. We offer both ready-made solutions ("boxed" insurance) and individual solutions with exclusive options and additional extensions (for example, for the time of repair or for the vacation period).

Depending on your needs, you can choose:

1) Classical insurance of property only.

2) Full insurance, including comprehensive insurance protection of residential premises, farm buildings, engineering equipment, household items and various appliances, as well as liability insurance.

What can you insure housing against?

The housing insurance policy from SG "TAS" will protect in the event of damage from:

- natural disasters and natural disasters;

- flooding, fire, gas explosion;

- theft, robbery, vandalism;

- unintentional actions of the owners (users) of housing or other persons;

- breakdown of various technical systems;

- hitting vehicles and falling foreign objects;

- other events specified in the terms of the contract.

You can learn more about the specifics of home insurance in the terms of contracts on the website or from our managers online.

How much does home insurance cost?

The insurance program "Complete housing protection" provides various options for insurance coverage (of your choice). At the same time, the underinsurance ratio is not tied to the real value of housing.

A preliminary calculation can be made using an online calculator.

The size and order of making insurance payments is individual

We try to make the insurance conditions as comfortable as possible for our customers, so we offer a choice of two policy payment options:

- the entire amount in one payment;

- in installments up to 12 months (choice of: 2, 3, 6 or 12 parts).

But at the same time:

the minimum amount of the insurance premium (insurance tariff) is determined;

the insurance premium or its part is always paid before the occurrence of the insured event;

the contract enters into force on the 6th day after its entry.

Is home insurance possible without an inspection and how to do it online

Calculate та to issue поліс insurance житла у СГ "ТАС" можна онлайн, навіть без огляду об'єкту insurance. Попередньо розрахуйте ціну insurance за допомогою онлайн calculatorа та залишайте заявку на сайті. Ми зв'яжемося з вами у найкоротший час.

If you have any questions, contact our managers online for additional consultation and contract execution.

You can also get a consultation, calculate the price of the policy and draw up a contract at any branch of SG "TAS" in Kyiv or another city of Ukraine.