Insurance properties
EM5 services

Insurance properties

Protect your house, apartment or commercial unit — we will select the right policy, take care of the formalities and support you if a loss occurs. We work with reputable insurers, explain the terms and conditions in plain language and make sure the cover actually works when you need it.

Emilia Litwinowicz
Your contact at EM5 Emilia Litwinowicz Doradca ds. nieruchomości
How we help

Protect what matters most, and leave all the formalities to us

Natural events, breakdowns and human error — not everything can be predicted. But you can protect yourself financially. We make sure the insured sums, extensions and scope of cover are right and that there are no gaps, giving you peace of mind and real support.

First we understand your situation. Only then do we define the scope of work and the next steps.

Scope

What is included in insurance?

See in one place what we can take care of as part of this service.

Full service scope EM5
Property and risk analysis
Selection of cover options and insured sums
Explanation of policy terms, deductibles and exclusions
Policy conclusion and assignment to the bank
Selecting rental cover (owner / tenant)
Monitoring renewal dates and renewals
Claim notification and support
In practice

What you gain with our support

We do not add procedures for their own sake. Every step is meant to deliver a concrete result and take another responsibility off your shoulders.

We will assess your needs and risks
01

We will assess your needs and risks

We will conduct a short, practical interview and property audit covering the floor area, finish standard, location, value of contents, intended use (owner-occupied or rented) and claims history. Based on this, we identify the real risks and required sums insured, helping you avoid underinsurance and gaps in cover.

Property audit Risk analysis Selection of sums insured
We will propose different options
02

We will propose different options

We will prepare 2–3 clear proposals describing the scope (building structure, fixtures and contents), insured sums, deductibles and extensions (personal liability, assistance, flood, power surges, accident cover). You receive a simple cost-versus-cover comparison with our recommendation, so you can choose a sensible package without overpaying or facing unpleasant surprises.

Option comparison Scope and deductibles EM5 recommendation
We will handle all formalities from A to Z
03

We will handle all formalities from A to Z

We complete the application, verify the data, agree the cover start date, arrange assignment of rights to the bank (if you have a mortgage) and send confirmations to the relevant institution. You receive an effective policy, convenient payment methods (including instalments) and peace of mind because we handle the paperwork.

Assignment to the bank Policy conclusion Convenient payments
We will monitor deadlines and the quality of your cover
04

We will monitor deadlines and the quality of your cover

We continuously monitor renewals, indexation of insured sums and adjustment of the scope to changes on your side — after renovation, new furnishings or a change in rental status. You maintain continuous cover, up-to-date insured sums and confidence that the policy will work when needed.

Renewal monitoring Indexation of insured sums Scope update
If a loss occurs, we act with you
05

If a loss occurs, we act with you

We report the claim, compile the documentation (photos, protocols and estimates), stay in contact with the claims handler and advise on the settlement method (cash or non-cash). We can also organise repairs through trusted teams, helping you return to normal faster, with less stress and without unnecessary rental downtime.

Claim notification Documentation and contact Repair coordination
Next step

Tell us what you need

Start with a short conversation. We will understand the situation, define the possible scope and tell you clearly what we can do next.

FAQ

Who can take part in the “Get 800+” promotion?

Key answers before we start working together.

What is the difference between “building”, “fixtures” and “contents”?

I have a mortgage — will you handle the assignment to the bank?

I rent out an apartment — what about rental protection?


* availability and conditions depend on the insurer's offer.