Fire, flooding from neighbours, theft or lightning — no one plans for it, but the consequences can cost tens of thousands of lei. Property insurance covers the cost of restoring your apartment or house — without draining your savings. Submit a request through Superpolis and get quotes from Moldova's leading insurers.
What Is Property Insurance?
Property insurance is a policy that compensates damage caused to your real estate by fire, flooding, natural disaster, theft, vandalism or other unexpected events. You receive compensation and restore your home without a hit to your personal finances.
When Is Property Insurance Mandatory?
When taking out a mortgage loan, most banks in Moldova require insurance on the pledged property — it is a standard condition for loan collateral protection. For other owners, insurance is voluntary but strongly recommended.
What Can Be Insured?
- Apartment — including mortgaged property
- Private house
- Commercial building or office
- Warehouse or industrial space
- Other types of real estate
What Risks Are Covered?
- Fire — including explosion, lightning, aircraft crash
- Natural disasters — earthquake, flood, hurricane, hail, snow, landslide
- Water damage — flooding from neighbours, burst pipes, roof leaks
- Damage from third-party unlawful actions — theft, vandalism
- Broken glass and shopfront windows
Optional Coverage You Can Add
- Third-party liability — if you accidentally flood neighbours or cause other damage, the insurer covers the loss within the policy limit (typically up to 100,000 MDL), regardless of your property's value
- Theft or damage of personal belongings inside — furniture, appliances, valuables
- Accident insurance for residents — additional protection for the whole family
How Much Does Property Insurance Cost?
Prices are calculated individually based on:
- Property type — apartment, house, commercial real estate
- Renovation level and furnishings — the more valuable, the higher the insured sum
- Market value of the property
- Risk package chosen — basic or extended
- Deductible amount — higher deductible means lower premium
How to Get Property Insurance Through Superpolis?
- Submit a request on the website or call us
- Receive consultation — we select the risks most relevant to your property
- Compare offers from Moldova's leading insurers
- Sign your policy and receive it your preferred way
Why Get Property Insurance Through a Broker?
- Real choice — compare proposals from multiple top insurers and pick the best price
- Policy composition advice — we help you choose the risks that genuinely matter for your property
- Claims support — we assist with documents and insurer communication
- Only verified companies — exclusively licensed insurers
Superpolis.md is a licensed insurance broker working with Moldova's leading insurance companies.
Frequently Asked Questions
If my neighbours flooded my apartment — is it covered?
Yes, if your policy includes water damage risk. The insurer covers the cost of repairs and restoration of affected property.
If I accidentally flooded my neighbours — who pays?
Third-party liability coverage handles this. Add it to your policy and the insurer covers the damage you caused to your neighbours.
Is property insurance mandatory for a mortgage?
Usually yes. Most banks in Moldova require insurance on the mortgaged property as a mandatory loan condition. Check your bank's requirements before signing.
What documents are needed?
Property details (address, area, year of construction, building type), cadastre extract, property appraisal report, ownership documents, and the owner's personal details.
Can I insure only the contents of the apartment, not the building itself?
Yes. You can insure personal belongings inside (furniture, appliances, valuables) separately from the structure of the building.
