Home insurance in Israel is made up of one or more of the following four basic components:
- Structure
- Contents
- Third Party liability coverage
- Employer's liability coverage for employees who work in the home
Structure and Contents
Your home and contents are valuable assets and it makes sense to purchase comprehensive insurance in order to protect their value. Comprehensive insurance protects your assets against loss or damage that occurs as a result of the following events: fire, smoke, lightning, explosion, windstorm, flood, vandalism, theft, break-in, robbery, and civil unrest. You can also purchase coverage for damages that result from broken plumbing pipes. Earthquake coverage will always be added automatically to your insurance policy unless you waive it in writing.
Both your home and your contents are required to be insured at their new Israeli replacement value. For a structure, this is its “rebuilding costs” (the per square meter building costs without the value of the land). “Rebuilding Costs” do not take into account the value of the land upon which the home is built. It is possible to purchase “additional structure insurance” that will bring the coverage up to the market value of your home.
You can extend the coverage of your contents to include all events not explicitly excluded in the policy conditions by adding “all risks” coverage. This coverage protects you from monetary losses on a higher level, and many more unexpected situations will be covered than if you remain with “comprehensive” coverage alone. Some categories of contents (such as Jewelry, laptops/tablets, valuable bicycles, cameras/videos, furs, portable medical devices, religious items, and licensed firearms) must be covered with “all risks” coverage in order to insure them outside of the home
Be aware that coverage is only in Israel. If you wish to insure items while travelling abroad, you must contact our office before you travel and purchase a rider that will cover them during your trip.
Sounds confusing?
Don’t worry! Our office has been specializing in tailoring home policies to fit our clients’ specific needs for 30 years and we will patiently guide you through the process necessary to set you up with the right insurance policy that meets your specific needs and budget.
Third Party liability coverage
Third party liability insurance covers the policy owners and their family members for monetary damages that they cause to people or property and for which the Israeli “law of damages” considers them liable. Standard coverage ranges between is 750,000 – 1,000,000 NIS but, as there is no “umbrella” insurance in Israel, it is wise to make raise this amount. Family members and workers are excluded from the definition of "third parties", and damages that result from business activities are also excluded. Other exclusions are also mentioned in the policy conditions.
Third party liability coverage is included without extra charge if your policy includes contents. It is recommended to add it (for a small premium) if you're just insuring the structure.
Did you know?
The Talmud deals extensively with our responsibilities and liabilities when we or our property causes damages to others. This section of the Talmud is called "Seder Nezikin". The modern day Israeli law which deals with such matters is called “Pekudat Ha’Nezikin”, which in English means the “law of damages”.
Employer's liability insurance for employees who work in the home
By law, all employers must pay a tax to Bituach Leumi for their employees. This includes cleaning help. While one who pays the Bituach Leumi tax for a household employee has fulfilled his legal requirements, he can still be sued by the employee for amounts above that which Bituach Leumi pays. A policy owner who paid the Bituach Leumi tax for his employee and purchased this coverage will then be covered in a case where an Israeli court rules that the employee is owed amounts above that which Bituach Leumi pays. In such a case the insurance company will pay the difference, up to the maximum policy amount.
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