Skip to page content
Private Business Private Banking About the bank C REWARDS
English
open close
  1. Private customers
  2. Home insurance

Property insurance

Special offer! 0 EUR deductible if you buy insurance online by 31.10.2025.

Buy online Ask for a consultation

Get insured in just a few minutes

Fast and easy property insurance.

More coverage when you buy online

Get additional protection at no extra cost.

Available for everyone

Buy online — even if you're not a Citadele customer.

Insurance services are provided by AAS BTA Baltic Insurance Company through AS Citadele banka. Before taking out an insurance policy, read the terms and conditions carefully.

New!

Check your coverage and price

Check your existing policy’s coverage and price and receive a new offer.

Check policy
Great deal

Extra perks if you buy online

  • 0 EUR deductible in case of natural disasters and fires.
  • Insurance for damage caused by animals up to 3000 EUR.
  • Movable property outside the home – coverage up to 2000 EUR.
  • Insurance for auxiliary buildings (garage, shed, etc.) up to 30 000 EUR.
  • Renovation and construction coverage up to 10 000 EUR.
  • Emergency assistance at home up to 1000 EUR.
Buy online

Insurance coverage offer options

Special offer! 0 EUR deductible if you buy insurance online by 31.10.2025.

Buy online
Risks Apartment, building or part of building coverage limits
Movable property 10 000 EUR 20 000 EUR 30 000 EUR
General liability 10 000 EUR 15 000 EUR 25 000 EUR
Home assistance 1000 EUR 1000 EUR 1000 EUR
Electronic risks 3000 EUR 5000 EUR 7000 EUR
Rainfall damage 2000 EUR 2000 EUR 2000 EUR
Repayment of loan payments 3000 EUR 5000 EUR 7000 EUR
Temporary accommodation costs 3000 EUR 5000 EUR 7000 EUR
Loss of rental income 3000 EUR 5000 EUR 7000 EUR
Harm caused by tenants 10 000 EUR 20 000 EUR 30 000 EUR
Deductible 70 EUR 100 EUR 140 EUR
Solar panels 5000 EUR 10 000 EUR 15 000 EUR
Apartment, building or part of building coverage limits
Movable property
10 000 EUR 20 000 EUR 30 000 EUR
General liability
10 000 EUR 15 000 EUR 25 000 EUR
Home assistance
1000 EUR 1000 EUR 1000 EUR
Electronic risks
3000 EUR 5000 EUR 7000 EUR
Rainfall damage
2000 EUR 2000 EUR 2000 EUR
Repayment of loan payments
3000 EUR 5000 EUR 7000 EUR
Temporary accommodation costs
3000 EUR 5000 EUR 7000 EUR
Loss of rental income
3000 EUR 5000 EUR 7000 EUR
Harm caused by tenants
10 000 EUR 20 000 EUR 30 000 EUR
Deductible
70 EUR 100 EUR 140 EUR
Solar panels
5000 EUR 10 000 EUR 15 000 EUR
Great deal

Mortgage loan security insurance – free in the first year

Take out a mortgage loan with Citadele and receive free insurance in the first year.

  • Residential property coverage – 1300 EUR/m2
  • Movable property – up to 5000 EUR
  • Civil liability – up to 1000 EUR
  • Auxiliary buildings – up to 10 000 EUR
  • Emergency assistance at home – up to 350 EUR
  • Property outside the home – up to 750 EUR
Apply for a consultation Terms

In case of an accident

  • Submit a claim in the Mans BTA portal, an insurance employee will register your claim and inform you about the next steps.
  • BTA will quickly review your situation and make a decision.
  • If the claim amount is up to 3000 EUR, you will receive the money the next business day.
  • Don't forget to also report the accident to the relevant authorities, such as the police or property management, so they can officially record the incident.

Need help?

Get instant answers to your questions 24/7 from our website help tool: our virtual financial consultant, Adele.

Where can I find information on my insurance policy?

  • In your emails: when you signed your insurance agreement, information about the policy and its terms and conditions was sent to your email address;
  • If your home insurance policy was processed with Citadele in collaboration with BTA, you will find information about your policy in the BTA Customer Portal. Log in to the BTA website under My account > My policies.
    Under Policy Information you will see the most important information: policy number, period, the insured property, payment information, and the terms and conditions of the policy and insurance.

What is included in the insurance?

We provide this insurance service in partnership with AAS “BTA Baltic Insurance Company”, and offer customers full home insurance coverage, in addition to:

  • Moveable property insurance up to 5000 EUR and third-party insurance up to 1000 EUR;
  • Coverage for auxiliary buildings of up to 10% of the insured sum with a limit of 10 000 EUR;
  • A help package with a limit of 350 EUR which provides emergency help at your home 24 hours a day if you need a plumber, security or locksmith;
  • Moveable property insurance outside of your residential property up to 750 EUR;
  • Insurance coverage can be individually adapted to a customer’s needs.

How to apply for home insurance

You can:

What should I do if an insurable incident has occurred?

  • Submit a claim on Mans BTA portal, press the "Claim online" insurance employees will register your claim and inform you of the next steps;
  • The insurer will process your claim as quickly as possible and notify you of their decision; 
  • In accordance with the insurer’s decision, you will receive compensation within one business day if your compensation comes to 1500 EUR or less;
  • Remember that you must inform the relevant authorities of the incident so that they can investigate, for example, the State Police, Traffic Police, your building manager etc.

Find out more: www.bta.lv

Policy is about to expire

As the expiration date of your policy draws near, you will receive an SMS and phone call from insurance specialists who will offer to prepare and process a new home insurance policy.

Where do I submit information about a policy?

Please email your home insurance policy to apdrosinasana@citadele.lv

More questions
Where can I find information on my insurance policy?

  • In your emails: when you signed your insurance agreement, information about the policy and its terms and conditions was sent to your email address;
  • If your home insurance policy was processed with Citadele in collaboration with BTA, you will find information about your policy in the BTA Customer Portal. Log in to the BTA website under My account > My policies.
    Under Policy Information you will see the most important information: policy number, period, the insured property, payment information, and the terms and conditions of the policy and insurance.

What is included in the insurance?

We provide this insurance service in partnership with AAS “BTA Baltic Insurance Company”, and offer customers full home insurance coverage, in addition to:

  • Moveable property insurance up to 5000 EUR and third-party insurance up to 1000 EUR;
  • Coverage for auxiliary buildings of up to 10% of the insured sum with a limit of 10 000 EUR;
  • A help package with a limit of 350 EUR which provides emergency help at your home 24 hours a day if you need a plumber, security or locksmith;
  • Moveable property insurance outside of your residential property up to 750 EUR;
  • Insurance coverage can be individually adapted to a customer’s needs.

How to apply for home insurance

You can:

What should I do if an insurable incident has occurred?

  • Submit a claim on Mans BTA portal, press the "Claim online" insurance employees will register your claim and inform you of the next steps;
  • The insurer will process your claim as quickly as possible and notify you of their decision; 
  • In accordance with the insurer’s decision, you will receive compensation within one business day if your compensation comes to 1500 EUR or less;
  • Remember that you must inform the relevant authorities of the incident so that they can investigate, for example, the State Police, Traffic Police, your building manager etc.

Find out more: www.bta.lv

Policy is about to expire

As the expiration date of your policy draws near, you will receive an SMS and phone call from insurance specialists who will offer to prepare and process a new home insurance policy.

Where do I submit information about a policy?

Please email your home insurance policy to apdrosinasana@citadele.lv

More opportunities

photo

Mortgage loan

Financing with an ALTUM guarantee of up to 95% for your house, apartment, construction or ambitious renovations.
Find out more
photo

Accident insurance

Choose accident insurance for yourself and your family and avoid sudden expenses after accidental injuries, disability or even death. Service provided by Citadele subsidiary AAS "CBL Life".
Find out more
photo

2nd pension pillar

Pension plans with low commission fees, sustainable investments and the largest team of experts in Latvia.  Service provided by Citadele subsidiary CBL Asset Management.
Find out more
photo

Leasing

Financing of up to 90% for the purchase of a vehicle. Great terms even if you are not a Citadele customer. Apply and receive a reply within 2 hours.
Find out more
chat logo