Home Insurance Calculator

The cost of home insurance depends on the property value, cover level and location. As a rough guide, a basic policy for a property worth PLN 500,000 costs around PLN 400/year (0.08%), while an all-risk policy costs around PLN 750/year (0.15%). These are indicative figures — always check the current quote with an insurer.

The sum insured should reflect the reinstatement value (the cost of rebuilding) or the market value of the property. Reinstatement value covers the cost of materials and labour needed to restore the building to its pre-loss condition, without depreciation. An insufficient sum insured leads to under-insurance and proportional reduction of any claim payout.

Under-insurance occurs when the sum insured is lower than the actual value of the property. In the event of a claim, the insurer pays out proportionally — if a home worth PLN 600,000 is insured for PLN 400,000, the payout will be only 2/3 of the loss. To avoid under-insurance, update the sum insured every few years.

Buildings insurance covers the structure of the property: walls, roof, permanently fixed installations. Contents insurance covers furniture, appliances, clothing and other movable items inside the home. Both can be combined in a single policy. The calculator lets you include the value of both components.

Basic cover protects against named perils: fire, explosion, lightning strike, flood, storm, hail and landslide. All-risk cover includes all perils except those explicitly excluded, such as accidental damage and theft by break-in. All-risk is more expensive but provides much broader protection.

Home insurance is not legally required for private individuals. However, banks providing mortgage loans require the mortgaged property to be insured throughout the loan period. Even where not obligatory, insurance is strongly recommended — a single claim can run to hundreds of thousands of zlotys.

The calculator uses simplified rates: 0.08% of property value per year for basic cover, 0.15% for all-risk, and 0.5% for contents. The results are indicative and are intended for initial orientation only — they are not an insurance offer.

Premium factors include: property value, cover level, location (flood or seismic zone), construction type (timber vs. masonry), building age, claims history, installed alarm and fire-suppression systems, and the chosen excess (deductible).

The policy should be reviewed annually at renewal. If you carried out a renovation that increased the property value, or purchased expensive equipment during the year, update the sum insured within the policy term. Regular updates protect against under-insurance caused by construction cost inflation.

No. The calculator is for indicative estimation purposes only. It does not constitute an offer, does not account for individual risk factors, location or specific policy terms. Before taking out cover, always obtain a quote directly from an insurer or compare offers on a dedicated price-comparison site.