Ostatnia aktualizacja: 20 marca 2026 Zweryfikowane przez: Redakcja Kreddo.pl

Home Insurance — Policy Comparison 2026

Home insurance protects your property against fire, flooding, theft and natural disasters. It costs from 130 PLN per year. Banks require it when granting a mortgage — lacking a policy can result in the termination of the loan agreement.

Mortgage holders: If you have a mortgage, the bank requires home insurance with an assignment of rights to itself. Failure to maintain a current policy can result in a higher margin being charged or termination of the agreement.

Compare home insurance from leading companies in Poland. Our comparison takes into account the premium price, scope of cover, sum insured and quality of claims handling.

Home Insurance Comparison — kwiecień 2026

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What Should Good Home Insurance Cover?

Walls and fixed elements — protection of the building structure, walls, floors, installations, windows and doors against fire, flooding, power surges and natural disasters.

Household contents — furniture, electronics, clothing and other items in the flat. It is worth insuring at reinstatement value.

Third-party liability in private life — covers damage caused to neighbours (e.g. flooding the flat below). Liability sum usually 50,000–200,000 PLN.

Home Assistance — help in emergency situations: plumber, electrician, locksmith, glazier. Available 24/7, usually with a limit of 2–4 call-outs per year.

Często zadawane pytania

Is home insurance mandatory?

Home insurance is not mandatory by law. However, it becomes required when you have a mortgage — the bank requires a policy with an assignment of rights to itself as loan security. Failure to have insurance can result in termination of the loan agreement.

How much does home insurance cost?

Basic home insurance costs between 130 and 300 PLN per year, depending on floor area, location and scope of cover. For a 50 m² flat in a city, the average is 200–250 PLN/year. The policy required by the bank is usually cheaper (from 100 PLN/year).

What does home insurance cover?

Standard insurance covers: fire, flooding, burglary, power surges, natural disasters (storm, hail, flood). Extended variants may cover: household contents, third-party liability in private life, home assistance and vandalism.

What is assignment of the policy to the bank?

Assignment means transferring the rights from the policy to the bank. In the event of a claim, the bank is entitled to receive the compensation — in practice the funds are used for repairs or loan repayment. Assignment is a standard requirement for a mortgage.

What sum insured should I choose?

The sum insured should correspond to the reinstatement value of the flat (cost of rebuilding/renovation). For a 50 m² flat this is usually 250,000–400,000 PLN. With a mortgage, the bank may require a sum at least equal to the loan value.