Part of my home is used for an office. Will my business activity and equipment be covered?
It is possible to add coverage for an office or clinic that is part of your home. Such coverage is not part of the “standard” policy and you will need to inform us of the details in order to add this coverage to the policy.
Will installing an alarm reduce my price?
No. If the insurance company does not require an alarm, installing one will not lower the price.
Are war and terrorist damages covered?
War and terrorist damages to your structure are covered by the State of Israel. War and terrorist damages to your contents are also covered by the State of Israel but both the category of contents and the amounts covered are limited. It is possible to purchase supplemental war coverage for contents through Mas Rechush, a government agency. Some insurance companies give the option of purchasing supplemental terrorist coverage, but not in all areas of the country.
I'm taking a trip and my home will be unoccupied during that time. How will this affect my insurance?
If your home is not going to be regularly lived in for more than 60 consequetive days, you will need to purchase extra coverage for an “unoccupied” home. If you did not purchase this extra coverage when your home is unoccupied, much of the insurance coverage during that period will be excluded.
I have a steel door and my policy requires that in be locked. I’ve installed a push button lock to make it easier for my children who don’t have keys to enter the home. There was a break-in and the only locking device that was active at the time was the push button lock. Will I be covered?
You will have a problem. Push button locks are normally much less secure than regular door locks. If you’re planning to rely on a push button lock in place of the lock that your policy requires, please consult with our office in advance.
My laptop computer in insured for “all risks” coverage. I left it in my unattended car and someone broke my window and stole it. Am I covered?
No! No contents are ever covered while in an unattended car.
I often travel abroad and bring my laptop with me each time. If it is stolen abroad, am I covered?
You can add coverage abroad for many categories of contents - laptops, jewelry, cameras, religious items - for an additional premium. You must be in touch with our office regarding this before you travel.
I’m doing renovations, how does it affect my coverage?
If the renovations will not last longer than two weeks, your policy is unaffected. If they last longer than two weeks, then all third party damages that occur during the renovation period are excluded and you need to notify our office. It is advisable to purchase a separate "homeowner's builders policy" if you plan on doing a big renovation in your home.
Why purchase “additional structure insurance” coverage beyond the standard rebuilding costs coverage?
The new Israeli replacement value of your structure is the cost of rebuilding it (and your share of the public areas of the building) and not its market value. Market value includes the value of the land upon which the structure is built. The calculation of rebuilding costs is made by simply multiplying the size of your structure by the rebuilding costs per square meter. The result becomes the insured value of your structure.
Normally this amount is enough, but in a case where the structure is almost completely destroyed it may not be. In such a case one would only be protected if he purchased “additional structure insurance”.
For example, if an apartment building suffers massive damage as a result of an explosion, earthquake, or some other insured event, those living on an upper floor cannot rebuild immediately. They first must first wait until those living below begin to rebuild. Even one living on a ground floor cannot rebuild until the damaged infrastructure upon which the entire building depends is rebuilt. If the other owners in the building are uninsured or do not have their own personal funds with which to rebuild, the insured person – even though he has purchased full rebuilding costs coverage - is in a bind. His insurance policy will provide the funds needed to rebuild his unit, but in order to actually rebuild he needs the participation of the rest of the owners in the building. On the other hand the insured amount (the rebuilding costs) will not be enough to enable him to purchase another apartment of similar size and quality.
“Additional structure insurance” solves this problem. One can purchase up to three or four times the amount of his rebuilding costs, depending on the insurance company. For example, if the rebuilding costs of a three bedroom apartment is 500,000 NIS and one purchased four units of “additional structure insurance”, in the case where an insured event causes at least 70% damages to his structure, he will receive a cash payment of 2,000,000 NIS from the insurance company which will enable him to buy another home.
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