Services · Insurance
Insurance is a way to reduce various life risks — insurance with savings, life, non-life, or insurance that helps when you cannot repay a mortgage. The basic division is life and non-life insurance.
No-obligation consultationSome insurers offer only one basic type. Composite or universal insurers provide a broader range. The most advantageous option is arranging insurance through an independent office — our team will come to your home at a time that suits you.
Insurance arranged for survival and death risk. Other risks are often add-ons — creating mixed life insurance. Properly set life insurance can also be used in tax optimization.
Covers the risk of the insured person's death. The insured event is death — the insurer pays the amount to the designated person. Suitable for the main family provider; often required by lenders for loans or mortgages (credit insurance) up to full repayment. It can also be arranged to cover funeral expenses — sometimes called risk insurance.
Covers periods when income is insufficient — typically retirement or demanding life phases (children's studies). Often extended with pension add-ons and other risks.
Includes both death and survival risk. If the insured person dies before the agreed age, the insured amount is paid to the designated person. Every insurer has its own products — including investment insurance, where part of the premium goes to investments.
A combination of protection and financial reserve building. Suitable for clients who want to connect family security with long-term saving.
Asset insurance — property, household, motor vehicles, liability, and travel. The offer is very diverse; we prepare your policy to fit your needs.
Buildings, apartments, land — protection against natural events, burglary, vandalism, and human negligence. Add-ons for garage, cottage, pool; even buildings under construction can be insured.
Apartment and room equipment — basic, standard, and premium variants. Choice depends on equipment value and security; higher coverage often requires quality locks, windows, and security elements.
Third-party liability insurance for vehicle operation — mandatory for every owner. Covers damage caused to others; insurers offer bonuses to claim-free drivers.
Covers damage to your own vehicle. Most common for new and newer cars; premium depends on vehicle age and value.
For trips abroad — tourist and business trips, single or recurring (usually annual, then renewed). Covers illness, injury, death; baggage add-ons; 24-hour assistance service.
Private liability and liability for damage caused to an employer. Private coverage also applies to persons living in the same household. Scope differs by insurer — we always review terms together.
As insurance advisors in the Příbram district, we compare offers and help you choose a solution based on your situation.
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