Security insurance
How can the Forus security insurance benefit me?
Additional bonus to your home security without an extra charge
We want to offer our home security clients additional peace of mind in the form of insurance that covers expenses related to water leaks, fires, thefts, or vandalism.
Excellent additional cover to your home insurance
The Forus security insurance complements your current home insurance in the best way by helping solve many different loss events without a deductible and covering damages that exceed the amount of your home insurance compensation.
A great way to mitigate smaller risks without spending more on home insurance
If your home is not insured yet, the security insurance that comes with Forus home security is an excellent way to start mitigating smaller risks.
Additional bonus to your home security without an extra charge
We want to offer our home security clients additional peace of mind in the form of insurance that covers expenses related to water leaks, fires, thefts, or vandalism.
Excellent additional cover to your home insurance
The Forus security insurance complements your current home insurance in the best way by helping solve many different loss events without a deductible and covering damages that exceed the amount of your home insurance compensation.
A great way to mitigate smaller risks without spending more on home insurance
If your home is not insured yet, the security insurance that comes with Forus home security is an excellent way to start mitigating smaller risks.
Additional peace of mind and security for all home security clients of Forus.
The security insurance of Forus has been developed in partnership with If Kindlustus, protecting against various types of damage caused by water, fire, theft, and vandalism. We compensate for damages for a maximum of 10,000 euros for each insurance event with a 0-euro deductible.
What exactly is covered by the Forus security insurance?
An insurance event involving theft and vandalism is:
Deliberate and illegal damage to or destruction of the object of insurance by a third party.
Collision of a land vehicle with the object of insurance if the vehicle was driven by a third party.
An insurance event involving a robbery is a robbery committed by a third party at the object of insurance, including the seizure of property with force or threat of force.
An insurance event involving theft is a theft of the object of insurance or its components.
An insurance event caused by water is damage to or destruction of the object of insurance caused by:
Liquid or steam that has escaped from pipes in the building, which have burst suddenly and unexpectedly.
Liquid or steam that has escaped from a domestic appliance that is permanently connected to the mains due to the failure of the appliance or its connecting part.
Liquid or steam that has escaped from pipelines within a building outside the insured location (a neighbour forgot to turn off a faucet or a burst pipe, etc.).
Due to a blockage in the sewage system of an apartment building, the insured location is flooded with waste water, provided that the blockage was caused by a third party
An insurance event involving fire is:
Fire that is spreading outside a fireplace or the resulting soot, smoke, and extinguishing activities.
Visible mechanical damage or fire caused by lighting.
An explosion that damages the property or causes a fire.
Crash of a manned aircraft (including an airplane or a helicopter), its parts, or its cargo, damaging the property or causing a fire.
Crash of a drone, damaging the property or causing a fire.
What exactly is covered by the Forus security insurance?
An insurance event involving theft and vandalism is:
Deliberate and illegal damage to or destruction of the object of insurance by a third party.
Collision of a land vehicle with the object of insurance if the vehicle was driven by a third party.
An insurance event involving a robbery is a robbery committed by a third party at the object of insurance, including the seizure of property with force or threat of force.
An insurance event involving theft is a theft of the object of insurance or its components.
An insurance event caused by water is damage to or destruction of the object of insurance caused by:
Liquid or steam that has escaped from pipes in the building, which have burst suddenly and unexpectedly.
Liquid or steam that has escaped from a domestic appliance that is permanently connected to the mains due to the failure of the appliance or its connecting part.
Liquid or steam that has escaped from pipelines within a building outside the insured location (a neighbour forgot to turn off a faucet or a burst pipe, etc.).
Due to a blockage in the sewage system of an apartment building, the insured location is flooded with waste water, provided that the blockage was caused by a third party
An insurance event involving fire is:
Fire that is spreading outside a fireplace or the resulting soot, smoke, and extinguishing activities.
Visible mechanical damage or fire caused by lighting.
An explosion that damages the property or causes a fire.
Crash of a manned aircraft (including an airplane or a helicopter), its parts, or its cargo, damaging the property or causing a fire.
Crash of a drone, damaging the property or causing a fire.
Report damage
You can report damage in the self-service environment of If Kindlustus, using their claims handling form. Follow the instructions and add the required documents.
When submitting a damage report, you will need:
- A dispatch report, or if you do not have it, an alarm log that you can download in the Forus self-service.
- Photos of the damage.
If you have any questions about submitting a damage report, please email or call +372 619 1999 and we will help you complete the damage report.
