The premium amount depends on the value of your property, area of the residential building and the selected cover package. Depending on your requirements, you may arrange for the package that suits you best while paying monthly, quarterly, semi-annually or annually.

The Home Guard package is a combination of carefully selected coverages tailored to the needs of a large number of insured clients. In addition to this package, our proposal covers other services for insuring your house and apartment, like the insurance of household contents and appliances, with somewhat different cover scope. You might decide to arrange only the cover against fire and allied perils or glass breakage, burglary and robbery or another type of insurance that suits your needs and wishes.

Supplementary to the household contents insurance, you may arrange the cover for household appliances and devices against the operating accident and/or events occurring suddenly and unexpectedly with regard to the use of the item insured.

Property insurance usually includes coverage for artistic items and valuables. The sum insured is determined by agreement between the Insurer and the Policyholder. For subject matter insured of greater artistic or historical value, we always ask for the opinion of the curator or another party qualified for particular types of assessment based on the art market condition.

The insurance model of housing loans is determined by banks. A property insurance policy is the most common loan security instrument and its arrangement is one of the preconditions for being granted a loan. Banks standard requirement is to protect the assets that are the subject of the loan against the mandatory risks of fire and often against various additional risks. In addition to the most frequently requested insurance against fire and allied perils, our proposal includes other services that can meet the specific bank requirements.

In case of a destruction or missing items, the indemnity is established according to the value of the insured object at the moment of insured occurrence less the residual value, if any. In case of damage, the repair expenses of the insured item are indemnified and the indemnity is reduced by the residual value of the insured item and the established percentage of depreciation, unless, under the particular insurance terms and conditions, the premium loading is agreed for the redemption of depreciated value. In addition to the mentioned, the debris removal expenses are reimbursed as have been incurred in relation with the insured occurrence and / or other fees according to the agreed insurance terms and conditions.

When buying a new telephone in an mts branch or via a sales manager, choose a post-paid tariff that suits you best and arrange the insurance cover. The premium is payable monthly, along with the mts services invoice.

Notify us of the loss event within 3 days, from Monday to Friday, 9 a.m. to 6 p.m. By a free call to the number 0800 130 147, or by sending an email to telekom.rs@allianz-assistance.at or at the mts points of sale. Take an insured device to the nearest point of sale, complete the claim notification form and pay the deductible if the damage is covered by insurance. In shortest time possible, you will be notified of the time when to go and take over your device at the mts point of sale.