House Express

The insurance agreement shall be concluded in respect of the following objects:

• residential buildings and their parts separated by a separate entrance;
• outbuildings and other outbuildings not intended for living (e.g. garage, shed, summer kitchen, sauna (bath), gazebo, etc;)
• solar panels located on a residential building, outbuilding or other structure located on the territory of the household.

If a residential building/part of a residential building separated by a separate entrance and outbuildings within the same household located at the same address specified in the insurance contract are insured, such insurance shall be executed under one insurance contract.

When insuring real estate objects, the following shall be accepted for insurance:

• structural elements (load-bearing walls, ceiling, floor, roof, interior partitions, interfloor floors, etc.) of a residential building, outbuildings; exterior (entrance) doors and windows (excluding glass parts); fencing around the land plot (brick walls, fences, etc.); gates, terraces and extensions connected to the insured building; gas and liquid fuel tanks (without contents) intended for heating (hereinafter referred to as Structural Elements);
• engineering communications located inside the premises, in particular built-in or mounted parts, namely: water supply (water pipes), sewerage, heating, drainage systems; power and gas supply systems; air conditioning systems; security systems, fire extinguishing and fire detection systems; telephone, telecommunication and computer networks, etc.), as well as parts of engineering communications fixed on the outside of buildings and structures (external parts of air conditioners, external parts of security systems, etc.), solar power plants
• interior and exterior decoration of the property (permanent coating of walls, ceilings and floors; interior partitions and interior doors (excluding glass parts), balcony blocks (excluding glass parts); fixed parts of structures and interior items (cornices, lamps, plumbing, built-in furniture, etc.) (hereinafter referred to as the Finish);
• glass parts of internal and external doors and windows, internal partitions, balcony blocks, balconies and loggias and other frames in which such glass is fixed (hereinafter referred to as Glass);
• furniture, in particular upholstered furniture, kitchen furniture; household and office equipment (television, radio, audio and video equipment, photo and cinema equipment, household electrical appliances, electric and gas stoves, musical instruments, electronic computing equipment and peripherals thereto, office equipment), computer equipment and peripherals, as well as other property located inside the premises and not falling within the definitions of "Communications", "Finishing" and "Glass".

The product also covers the Insured's liability for damage caused to third parties and/or property of third parties as a result of operation of the insured property.

The insured risk is damage and/or destruction of the insured property as a result of any accidental and unforeseen physical impact on the insured property, including, but not limited to, fire; smoke damage; explosion of gas used for domestic purposes; lightning strike; natural phenomena; hail; frost; water damage; illegal actions of third parties; burglary; warfare, including direct strikes (hits) of shells, missiles, mines, unmanned aerial vehicles, their wreckage or parts, fall of manned and/or unmanned aerial vehicles, their wreckage or cargo dropped from their sides, blast waves resulting from military or terrorist actions, regardless of who initiated them, which occurred during the term of the Insurance Contract.

The following are not eligible for insurance under the terms and conditions of the product:

• property used for commercial and industrial purposes;
• property located in areas of active hostilities or in areas under temporary occupation;
• real estate objects in a state of repair;
• real estate under construction;
• real estate objects in which the structural elements (walls, interfloor floors, roof elements) are simultaneously made of wooden building materials;
• residential buildings, outbuildings, or parts thereof (separate rooms), which at the time of conclusion of the Insurance contract are pledged as collateral under any loan agreement or are the subject of security for financial (property) obligations under any agreement concluded by the Insured;
• residential buildings, outbuildings, structural elements and/or engineering systems of which are in an emergency condition, as well as property located in such buildings/structures
• movable property stored outdoors (in the open air) within the address specified in the Insurance Contract as the location of the property;
• products made of precious metals, works of art, antiques, collections of paintings, documents, cash in any currency, payment cards.

The insurance agreement may provide for other restrictions on the objects of insurance, losses and expenses that are not subject to reimbursement, unless this is contrary to the law.

Interms of liability to third parties, the insurance risk is the occurrence of an event that, in accordance with civil law, is the basis for the Insured's liability for damage to third parties and for claims of injured third parties against the Insured for damage caused to them and/or their property as a result of operation of the insured property during the term of the Insurance Agreement.

Under the insurance contract, the sum insured shall be determined separately for property insurance and separately for liability insurance by options (UAH) at the Insured's option:
Option:

Sum insured for property / Sum insured for liability

1. 500 000 / 500 000
2. 700 000 / 500 000
3. 1 000 000 / 500 000
4. 1 500 000 / 500 000
5. 2 000 000 / 500 000
6. 3 000 000 / 1 000 000
7. 4 000 000 / 1 000 000
8. 5 000 000 / 1 000 000

Under the terms of the insurance contract, the sum insured is reduced for each individual insured event by the amount of the insurance indemnity paid.

The amount of the insurance premium/insurance tariff is determined taking into account the option of insurance amounts chosen by the Insured, the term of the agreement, the regional location of the insured property and the terms of payment of the insurance premium.

The annual insurance premium shall be as follows:

• minimum - UAH 2,508.00
• maximum - UAH 44,616.00

Under the Insurance Agreement, an unconditional deductible shall be determined in the amount of

• for property insurance: uAH 1,000.00
• for liability insurance: uAH 1,000.00

The territory of the Insurance Agreement is defined in the Agreement as the address of the location of the insured property.

Property located in the following regions of Ukraine shall be eligible for insurance under the insurance program "BUDIN EXPRESS_All Risks":

Ivano-Frankivsk region; Vinnytsia region; Volyn region; Zhytomyr region; Zakarpattia region; Kirovohrad region; Kyiv region; Lviv region; Odesa region; Poltava region; Rivne region; Ternopil region; Khmelnytsky region; Cherkasy region; Chernivtsi region; Chernihiv region/Nizhyn district; Chernihiv region/Pryluky district; city. Chernihiv.

Property located in the following regions of Ukraine shall not be accepted for insurance under the insurance program "BUDIN EXPRESS_All Risks" and shall not be considered as insured:

Autonomous Republic of Crimea; Dnipropetrovska oblast; Donetsk oblast; Zaporizka oblast; Luhanska oblast; Mykolaivska oblast; Sumska oblast; Kharkivska oblast; Khersonska oblast; Chernihivska oblast/Koryukivskyi rayon; Chernihivska oblast/Novgorod-Siverskyi rayon; Chernihivska oblast/Chernihivskyi rayon except for Chernihiv city.

In any case, the Agreement shall not apply to the territories of active hostilities, temporarily occupied territories for which the date of completion of hostilities or temporary occupation has not been established as of the date of the insured event, according to the list established by the order of the Ministry for Reintegration of the Temporarily Occupied Territories in accordance with the Resolution of the Cabinet of Ministers of Ukraine No. 1364 dated December 06, 2022 "Some issues of forming the list of territories where hostilities are (were) conducted or temporarily occupied by the Russian Federation", as well as us.

The insurance contract shall be concluded for a period of 1 (one) to 12 (twelve) calendar months.

The Agreement shall enter into force from 00.00 hours of the day specified in the Agreement as the beginning of the term, but not earlier than 00.00 hours of the day following the day of payment of the insurance premium, and shall be valid until 24.00 hours of the day specified in the Agreement as the date of expiration of the Agreement.

The Insurer shall have the right to refuse to pay the insurance indemnity if the Insured fails to notify the Insurer of the occurrence of an insured event in a timely manner without valid reasons or fails to fulfill other obligations specified in the Contract or the law, if this has resulted in the Insurer's inability to establish the fact, causes and circumstances of the insured event or the amount of damage (loss). The Contract shall enter into force upon payment of the Insurance Premium in full within the term specified in the Contract. If the Insured fails to pay the insurance premium within the term specified in the Contract, the Contract shall be deemed not to have entered into force.

The insurance product of comprehensive express property and third-party liability insurance of the property owner (user) under the insurance program "Home EXPRESS_All Risks" is not offered together with related and/or additional non-insurance goods, work or services as part of one package or agreement.

JSC "IC "INGO" does not provide discounts for the insurance product "BUSINESS EXPRESS_All Risks", there are no promotional offers.

The promotional offer is valid from January 19, 2026 to February 08, 2026. For the terms and conditions of the promotion, please visit https://ingo.ua/cms/image/uploads/Umovi_uchasti_KASTA_Chorna_pyatniczya_Kvartira_Budinok_EKSPRES_d4f1cce68e.pdf?v=1764755290398

Prior to entering into the Insurance Agreement, the Insured shall inform the Insurer or an insurance intermediary of the circumstances known to him/her that are material to the assessment of the insurance risk and provide him/her with other information material to the Insurer's decision to enter into the Insurance Agreement. Such information is:

• location of the object of insurance;
• technical characteristics of the insured object;
• conditions of use of the insured object;
• losses of previous periods of operation of the insured object;
• other information reasonably requested by the Insurer and relating to individual characteristics of the Insured Item.

The amount of Insurance Premium under the Insurance Agreement shall be calculated taking into account the selected Sum Insured and the term of the Insurance Agreement.

Prior to entering into the Insurance Agreement, the Insured shall familiarize himself/herself with the information on exclusions from insured events and grounds for refusal to make insurance payments, limits of liability of the Insurer for a particular insured object, insured risk and/or insured event, as well as the procedure for calculation and terms of insurance payments specified in the General Insurance Terms and Conditions at https://ingo.ua/strakhovi-produkty?group=express-property-for-individuals.

• General terms and conditions of the complex insurance product of express property insurance and third-party liability of the property owner (user), which are a public part of the Agreement:
  https://ingo.ua/strakhovi-produkty?group=express-property-for-individuals
• Insurance program "House EXPRESS_All Risks":
  https://ingo.ua/strakhovi-produkty?group=express-property-for-individuals
• Information document on the standard insurance product of comprehensive express property and third party liability insurance of the property owner (user) (hereinafter referred to as the insurance product) under the insurance program "Home EXPRESS_All Risks" :
  https://ingo.ua/strakhovi-produkty?group=express-property-for-individuals
• Documents for contracts concluded before 08.10.2025:
  https://ingo.ua/strakhovi-produkty?group=express-property-for-individuals

Both the homeowner and any other person can take out an insurance policy. Even tenants who do not own a home but use it and do not want to be financially responsible for possible losses in the event of unforeseen situations at home can insure it.

No, the size of the house or household does not affect the cost of the insurance policy and is not indicated in it. You choose the sum insured from the proposed options based on the value of your property.

This is an option in the insurance contract that allows you to protect yourself from liability for damages caused to neighbors or any other third parties. In a situation where you (or events in your home) cause damage to other people's property or harm to their lives, the insurance company will compensate the victims for all losses.

Thus, under one insurance contract, all residential buildings and outbuildings located within the same household at the address specified in the insurance contract will be insured.

No, only outbuildings on the territory of the household that are not used for production purposes are eligible for insurance.

Notify INGO of the insured event. Be sure to preserve the affected property in the condition it was in after the event. Send to INGO the documents of the relevant competent authorities and services confirming the fact of the insured event. Receive the insurance indemnity within 15 days.

Property valuation is not performed under the insurance program "Home Express". The valuation is carried out by an independent expert in the event of an insured event, within 10 working days after receipt of the Insured's application for an insured event.

If there is a need for a different sum insured than provided for in the terms of the "Home Express" program, we can select individual insurance conditions. In this case, the property is inspected and evaluated by an independent certified expert at the company's expense.

The assessment is made by an independent certified expert according to the methodology used in insurance. The estimate for the restoration work will be prepared on the basis of this calculation.

In the case of military risks, it is necessary to call the police, who will record the damage and open a criminal case under the article on violation of the customs and rules of war. It is necessary to obtain an extract from the Unified Register of Pre-trial Investigations (URPI) from the police. This is the main document to prove an insured event with war risks. Other documents - according to the list:

• Claim for reimbursement
• Certificate (policy)
• Notification of the insured event
• TIN of the applicant
• Passport
• Title documents to the property
• Technical passport of the property
• If the amount of damage exceeds UAH 27 thousand, you need to fill out a questionnaire.

Under the "Home Express" program, indemnity is paid up to the sum insured, and no ownership documents are required.

If the contract is concluded on individual terms, a list of property accepted for insurance is provided when applying for insurance. In this case, it is advisable to have technical documents for household appliances.