Iseteenindus

Insurance

Protect your property and electrical appliances!

PROMO!

50 free electrical appliances and fire insurances for a whole year will be given away for free among all who have ordered insurance! See campaign rules »

Subscribe
Eesti Energia

Protect yourself against unexpected expenses

Do you own numerous expensive home appliances? Do you wish to avoid the average costs of € 1,500 if they break down? Then insure your electrical appliances at Eesti Energia!

On top of it, you get the reassurance that unexpected costs will also be covered in the event of a fire, when the damage can amount to tens of thousands of euros.

Peace of mind for less than just 5 euros a month!

Read more
Kindlustus

Choose insurance

Electrical Appliances Plus Insurance


By choosing Electrical Appliances Insurance, you insure your electrical appliances against damage caused by lightning, electrical failure or overload.

Read more »

Rate (month)

1.99 €

The sum of your excess

50 €

This insurance suits you if:

  • you have a number of valuable electrical appliances at home or in your summer cottage, and you wish to insure yourself against their damage;
  • you want to insure yourself against the failure of your home's electrical system.
  • Subscribe Subscribe

    Read more »

    Fire Insurance


    By choosing Fire Insurance, you insure your apartment or house against fire damage.

    Read more »

    Rate (month)

    2.99 €

    The sum of your excess

    0 €

    This insurance suits you if:

  • you do not have home insurance but would like to insure your home and property specifically against fire;
  • you have home insurance but would like additional protection which, in the case of a fire, covers additional expenses related to your property, health and income which are not compensated for under the terms and conditions of or limits set by your home insurance;
  • you wish to insure under reasonable conditions a building that is not your permanent residence or a building that is older than 40 years.
  • Subscribe Subscribe

    Read more »
    The most popular choice

    Electrical Appliances and Fire Insurance


    By choosing Electrical Appliances and Fire Insurance, you insure your electrical appliances against damage caused by lightning, electrical failure or overload. In addition, your apartment or house is insured against fire damage.

    Read more »


    Buy two insurance policies in one and get a 10% discount

    Rate (month)

    4.49 €

    The sum of your excess

    in the case of fire 0 €

    in the case of damage 50 €

    This insurance suits you if:

  • you want comprehensive protection for the electrical appliances and electrical system in your home, as well as against fire damage to the building;
  • you have home insurance but would like additional protection which covers additional expenses related to your property, health and income, which are not compensated for under the terms and conditions of or limits set by your home insurance.
  • Subscribe Subscribe

    Read more »

    Electrical Appliances Insurance Plus

    The insurance covers the sudden and unexpected failure of electrical appliances due to an external event (e.g. lightning, short circuit, overload, overvoltage or undervoltage). In addition, the insurance covers the cost of fault detection in the damaged electrical appliances and of an electrician's visit, as well as the cost of repairs to your home's electrical system (wiring, sockets, fuses, switchboards, junction boxes, etc).


    APPLIANCES

    The total sum insured

    2 000 €

    per insured event

    WORK OF A TECHNICIAN

    The total sum insured

    200 €

    per insured event

    The sum of your excess

    In the case of damage to your electrical appliances  50 €

    In the case of electrician outing  0 €

    The number of insured events per year is not limited Subscribe to insurance Subscribe to insurance Terms and conditions

    Fire Insurance

    Fire Insurance provides you with compensation of up to €10,000 to cover the cost of restoring your apartment, house, summer cottage or other residential building if a fire has damaged its:

  • load-bearing structures (walls, floors, stairs, roof);
  • interior finishing, built-in furniture, sanitary ware;
  • heating and gas installations;
  • electrical system or the built-in alarm, communication and sound system;
  • stove or fireplace.
  • If you have home insurance, our Fire Insurance will also cover:

  • reasonable medical expenses for you and your family members if you suffer from a health problem resulting from a fire, which is not compensated by conventional health insurance;
  • loss of income for up to 60 days if you or your family members are incapacitated for work as a result of a personal injury caused by a fire;
  • claims made against you by third parties arising from your legal liability in relation to the occurrence of the fire;
  • rental costs for up to four months to the value of €500 per month if your home has become uninhabitable.
  • Subscribe to insurance Subscribe to insurance Terms and conditions

    The sum of your excess

    0 €

    FAST PAYMENT

    within three working days

    2 000 €

    to cover initial expenses

    The number of insured events per year is not limited

    Electrical Appliances and Fire Insurance

    The Electrical Appliances and Fire Insurance covers unexpected losses due to damage to your electrical appliances or electrical system, and damage to your home caused by a fire.

    Fire Insurance provides you with compensation of up to €10,000 to cover the cost of restoring your apartment, house, summer cottage or other residential building if a fire has damaged its:

  • load-bearing structures (walls, floors, stairs, roof);
  • interior finishing, built-in furniture, sanitary ware;
  • heating and gas installations;
  • electrical system or the built-in alarm, communication and sound system;
  • stove or fireplace.
  • Electrical Appliances Insurance covers the sudden and unexpected failure of electrical appliances due to an external event (e.g. lightning, short circuit, overload, overvoltage or undervoltage). In addition, the insurance covers the cost of fault detection in the damaged electrical appliances and of an electrician's visit, as well as the cost of repairs to your home's electrical system (wiring, sockets, fuses, switchboards, junction boxes, etc).

    Electrical appliances and failures

    The total insurance cover

    2 000 €

    per insured event

    WORK OF A TECHNICIAN

    The total sum insured

    200 €

    per insured event

    IN CASE OF FIRE

    The insurance covers up to

    10 000 €

    per insured event

    FAST PAYMENT

    within three working days

    2 000 €

    to cover initial expenses


    The sum of your excess

    In the case of damage to your electrical appliances or electrical failure  50 €

    In the case of electrician outing  0 €

    In the case of fire  0 €

    The number of insured events per year is not limited

    If you have home insurance, our Electrical Appliances and Fire Insurance will also cover:

  • reasonable medical expenses for you and your family members if you suffer from a health problem resulting from a fire, which is not compensated by conventional health insurance;
  • loss of income for up to 60 days if you or your family members are incapacitated for work as a result of a personal injury caused by a fire;
  • claims made against you by third parties arising from your legal liability in relation to the occurrence of the fire;
  • rental costs for up to four months to the value of €500 per month if your home has become uninhabitable.
  • Subscribe to insurance Subscribe to insurance Terms and conditions

    Which household electrical appliances are covered by insurance?

    TV
    TV
    Router
    Router
    Set-top box
    Set-top box
    Game console
    Game console
    Home theater and sound system
    Home theater and sound system
    Computer
    Computer
    Laptop
    Laptop
    Tablet
    Tablet
    Smartphone
    Smartphone
    Desk phone
    Desk phone
    Washing machine
    Washing machine
    Dishwasher
    Dishwasher
    Stove
    Stove
    Refrigerator
    Refrigerator
    Fire and security alarm equipment
    Fire and security alarm equipment
    Electric heating and ventilation equipment
    Electric heating and ventilation equipment
    Other heating equipment
    Other heating equipment
    Electrical installation
    Electrical installation
    (wires, plugs, junction boxes)

    Examples of cases where our insurance helped to compensate the loss

    We have helped to compensate damages in the following cases

    Damaged by thunder:
  • TV
  • set-top box
  • router
  • sockets
  • Total amount of compensation 638 €

    Washing machine broken due to electrical fault

    Total amount of compensation 469 €

    Due to overvoltage, several household electrical appliances were damaged, including an incubator for hatching chickens

    Total amount of compensation 1100 €

    Damaged by thunder:
  • TV
  • electric dog borders
  • Total amount of compensation 634 €

    Heat pump broken due to current fluctuations

    Total amount of compensation 526 €

    Why choose Eesti Energia for your insurance?

    Flexibility

    The insurance also covers a house that is not your permanent residence, and the age of the building does not change the conditions of the insurance policy.

    Fast response

    In the case of fire damage, a fast initial payment of 2 000 €

    Simplicity

    We do not have long pages of complicated terms and conditions which include hidden obligations for customers in the fine print.

    Additional protection

    If you already have home insurance, our Fire Insurance will compensate for such additional costs as medical expenses, loss of income, expert fees for identifying the cause of the damage, and other reasonable costs that you have incurred due to the fire.

    Freedom of choice

    You can decide how you use the insurance benefit. Restoration after a fire is not mandatory.

    Did not find a suitable solution?

    Consider choosing the electricity package Equal, which includes FREE electrical appliances insurance.

    Read more

    Frequently Asked Questions

    The insurance cover will be valid as soon as you have placed an order for the insurance package. The insurance cover is valid indefinitely and ends when you notify us that you would like to terminate the policy, or when you end your electricity or gas contract with Eesti Energia.

    Yes. Your electricity or gas contract and insurance are connected. Only our customers with electricity and gas contracts can order insurance. Therefore, if you want to change your energy provider, the insurance coverage offered by Eesti Energia will also end.

    Yes. Home insurance is not an obstacle to ordering additional insurance. Eesti Energia insurance can offer many additional benefits.

    Insurance with Eesti Energia covers the electrical equipment located in the place of insurance: TV, computer, laptop, landline, washing machine, dishwasher, stove, refrigerator, fire and security alarm equipment, electrical heating and ventilation equipment, heaters, etc.

    The provider of Electrical Appliances Insurance is

    If P&C Insurance AS

    Read the terms and conditions for the insurance »

    The provider of Fire Insurance is

    AAS BTA Baltic Insurance Company Estonian branch

    Read the terms and conditions for the insurance »

    Consult an expert if necessary. For further information, you can also call the Eesti Energia customer service line 777 1545.

    Related topics

    Electricity packages

    Choose the right electricity package

    Selection of electricity packages

    Gas packages

    Choose the best package for you

    Selection of gas packages

    Eesti Energia's mobile app

    A smart assistant in your pocket

    About the mobile app

    Subscribe for insurance

    Chosen insurance

    Palun vali vähemalt üks teenus

    Log in to complete your insurance subscription.