Property insurance

If you take care of insuring your property ahead of time against its damage or loss, we will decrease financial expenses and minimise loss.

This is the simplest and most inexpensive (starting from 2,500 tenge per annum!) method to protect yourself and your neighbors from financial losses in the event of damage to property.

Insurance programs "Megapolis"

    Program "UNDER THE ROOF OF YOUR HOME"
    The following items are subject to insurance:
    - residential property of individuals;
    - movable property located therein: consumer electronics, furniture, interior items.
    An insured event is damage, destruction or loss of the property as a result of:
    - fire, gas explosion, lightening;
    - effect of water from the water supply, sewage, heating systems and fire extinguisher system;
    - natural disasters, i.e.: storm, whirlwind, hurricane, tornado, hail or rainstorm.

    Amount insured
    Insurance premium
     
    flats in apartment house
    other residential premises
    300000
    2500
    3600
    500000
    4000
    5700
    750000
    5500
    7800
    1000000
    7000
    10000
    1500000
    10000
    14000
    2000000
    13000
    18000
    2500000
    15000
    21000
    3000000
    17000
    24000 
    Franchise:
    Conditional franchise amounts to 1.5% of the amount insured.
    * In the event of conditional franchise the insurer is released from compensation for damage not exceeding the set amount of franchise, but shall compensate damage to the full extent, if it exceeds this amount.
    The amount of insurance coverage under the program "Under the Roof of Your Home" can range from 300,000 to 3,000,000 tenge, depending on the region.
    For example, if you insure your flat for 1,000,000 tenge, you will pay a premium of 7,000 tenge.
    If damage exceeds 15,000 tenge (1.5% of the amount insured), insurance payment will be made to the full extent, but not more than 1,000,000 tenge.
    Suppose that upon the occurrence of an insured event damage amounts to 50,000 tenge. Conditional franchise (1.5% of the insured amount = 15,000 tenge), in that case Kommesk-Omir pays 50,000 tenge.
     
    Effective period of the contract:
    The insurance contract is effective for 12 months and ceases:
    - upon the expiry of the effective period;
    - making payment under the first insured event;
    - early termination of insurance contract.
    Kommesk-Omir will help to protect your home and everything in it!
More details

    Program "CONSCIENTIOUS NEIGHBOR" 
    The program of insurance of liability to neighbors will not only resolve the issue of compensation for damage caused but will also free you from an unpleasant conflict situation!
    Liability for damage caused to the property of neighbors by a failure of the water supply system, fire, etc. is subject to this insurance.
    An insured event is an occurrence of the obligation of an owner of residential real estate to compensate for damage inflicted to the property of neighbors evidenced by voluntary admission of guilt (with the consent of the insurer) or a court ruling that took legal effect.

    Amount insured
    Insurance premium
     
    flats in apartment house
    other residential premises
    300000
    2500
    3600
    500000
    4000
    5700
    750000
    5500
    7800
    1000000
    7000
    10000
    1500000
    10000
    14000
    2000000
    13000
    18000
    2500000
    15000
    21000
    3000000
    17000
    24000
     
    Franchise:
    Conditional franchise is equal to 1.5 of the amount insured.
    Effective period of the contract:
    The insurance contract is effective for 12 months and ceases:
    - upon the expiry of the effective period;
    - making payment under the first insured event;
    - early termination of the insurance contract.
    In the event of insurance under this program, it is not necessary to spend time on inspecting the property and making an inventory by a representative of the insurance company.
     
    Discount!
    Upon the execution of a comprehensive agreement under the programs "Under the Roof of Your Home" and "Conscientious Neighbor" a 20% discount is provided!
     
    On what does the cost depend?
    · region
    · type of real estate
    · amount insured

    What documents are required for execution of the insurance policy?
    - identification
    - purchase and sale agreement/lease agreement

    Payment
    • The decision on making the insurance payment is taken within fifteen (15) business days after of all documents stipulated by the insurance contract. 
    • The insurance payment is made within two (2) business days after taking the decision on the amount of actual damage. Notification of making the insurance payment is made by sms.
     
    Call Center: + 7 (727) 244 74 00, + 7 (701) 244 74 00, +7 (777) 244 74 00, 
    +7 (777) 744 74 00 (Viber and WhatsАpp).
    Toll free line in Kazakhstan: 8 800 080 51 00 
More details

Choose both programs and receive a 20% discount

Region and type of real estate

Amount insured

Your contact data

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Стоимость полиса

Buying insurance is simple

1
Calculate
the cost
2
Specify details and attach documents
3
Expect
courier

About property insurance

One"s own flat is the primary valuable of any family. The majority of unpleasant incidents with real estate take place in the absence of owners, and flooding by neighbors or acts of nature cannot be predicted. How can one best protect the "roof over one"s head"? One of the ways is to insure the property.

More details about the product

Execute insurance

FAQ

On what does the cost of the insurance policy depend?

The cost of the insurance policy will depend on characteristics of the real estate: location, type of building, whether a flat is equipped with a fire extinguishing system and warning alarm, and risks included in the contract such as fire, explosion, earthquake, flooding, theft, damage to property by third parties. But even the most expensive insurance policy is nothing compared to the cost of restoring residential real estate after fire or flooding.

When should I insure property?

We strongly recommend insuring your residential real estate, if:
· You have recently bought a new flat or building and made substantial repairs
· Your neighbors above you or near to you are making repairs
· You are letting out your flat for rent
· You are renting a flat
· You often leave a your flat unsupervised 

Can I insure a country cottage?

Like any real estate, a country cottage can be insured completely or partially. You can insure the basic structure (walls, foundation, flooring, roof) or interior. Structures on a land plot (a garage, a shed, etc.) can be insurance objects. So, you can insure everything in and around your country cottage.

Can I insure only repairs, interior of a flat?

At his/her discretion, when executing the insurance contract, an owner of real estate can choose the insurance objects, such as building components, decoration or movable property: household appliances, furniture, dinnerware, etc. Although, it will be better to execute a comprehensive contract covering all basic risks. 

Can a flat be insured without an inspection?

Yes, the program "Under the Roof of Your Home" provides for insuring residential real estate without a preliminary inspection.

Are there any restrictions on purchase of the property insurance policy?

There are some restrictions: carcass-reed, adobe and dilapidated buildings cannot be insured.

Is it necessary to equip a building with a security alarm system and fire extinguishing system in order to insure it?

No, it is not.

What are discounts are available upon insuring an apartment?

Upon the execution of a comprehensive agreement under the programs "Under the Roof of Your Home" and "Conscientious Neighbor" a 20% discount is provided!

What is covered by the civil liability insurance policy?

The liability for causing damage to the property of neighbors by flooding (a failure of the water supply, heating or sewage systems), fire (as a result of combustion, explosion of household gas, a failure of gas and power supply systems), etc.
An insured event will be the occurrence of the obligation of an owner of residential real estate to compensate for damage caused to the property of neighbours evidenced by voluntary admission of guilt (with the consent of the insurer) or a court ruling that took legal effect. 

How is compensation paid in the event of damage to residential real estate?


The decision on making the insurance payment is taken within fifteen (15) business days after receipt of all documents stipulated by the insurance contract. 
The insurance payment is made within two (2) business days after taking the decision on the amount of actual damage. Notification of making the insurance payment is made by sms.
Important advice: keep all cheques and receipts, certificates of works performed that may be necessary for calculation of actual costs of restoration of your premises and property.