More than one part of your home

Property and household insurance in Bratislava

Distinguish protection for the building, contents and liability.

We review insured sums, risks, limits and deductibles, including existing apartment-building coverage.

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Explore your own scenario

Half the insured sum. The full value of your home.

Move the damage slider and adjust the insured sum. See the part of rebuilding left for you in this model.

House value

€100,000
House affected by damageFor damage of €20,000, the modelled payout is €10,000. You would need another €10,000 to fund rebuilding.
20 %

Funding the rebuilding

€10,000
Funding the rebuildingFor damage of €20,000, the modelled payout is €10,000. You would need another €10,000 to fund rebuilding.
Funded by payoutUnfunded damageUndamaged portion
Damage amount—
Modelled insurance payout—
Rebuilding funding gap—

For damage of €20,000, the modelled payout is €10,000. You would need another €10,000 to fund rebuilding.

Insured share of the house value 50 %House value funded by payout 10 %

Illustrates proportional underinsurance: damage × insured sum / rebuilding value, capped at the actual damage and insured sum. No deductible. Not every contract applies this method; limits, exclusions and agreed rules determine the actual result.

Example: €100,000 value, €50,000 insured sum and total loss → €50,000 modelled payout and a €50,000 gap.

How it works

From questions to a decision

  1. 01

    Tell us what matters

    We establish your goal, budget and questions.

  2. 02

    Compare options

    We review costs, conditions and limitations.

  3. 03

    Understand the recommendation

    You will know why an option is worth considering.

  4. 04

    Take the next step

    We agree on documents, arrangements and ongoing support.

What to prepare

  • Existing insurance agreements
  • Property and renovation information
  • Contents and their values

Individual terms matter

Building insurance may not include contents or every type of damage. We check the actual contract.

Arrange a consultation
Services

Good questions. Clear answers.

How do building and contents cover differ?

Building cover concerns the structure and permanent fixtures; contents covers belongings under the contract.

Can tenants need cover?

It may protect their own belongings and liability. We assess the specific situation.

When should sums be checked?

After renovation, new furnishings or changed use, and at regular policy reviews.

Start with a conversation

What would you like to resolve?

Contact us directly or prepare a message. We will agree on the topic and a time to talk.

0918 835 525martin.mikolasek@simplea.skPrievozská 1318/14
821 09 Bratislava

Meetings by appointment.

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martin.mikolasek@simplea.sk · 0918 835 525

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