Property Insurance in Burgas
Property insurance protects your home, apartment or business premises from fire, water damage, natural events, theft and vandalism. In Burgas and along the coast there is a further wrinkle: many properties are let out or stand empty for part of the year, and that changes both the risk and the policy terms. We match the quote to how you actually use the property.
- Licensed broker, FSC №812-ЗБ
- Free consultation
- We reply within 30 minutes in working hours
What it covers
Fire, explosion, lightning
The base cover on every property policy — including damage caused by extinguishing the fire, which is often greater than the fire itself.
Water damage and flooding
A burst pipe, a leak from the flat above, torrential rain or flooding. In panel-built and older blocks this is the most common real claim — more common than fire and theft combined.
Earthquake
The Burgas region is seismically active. Earthquake is usually a separate clause with an additional premium — we recommend it and explain exactly what it covers.
Burglary and vandalism
Covers stolen contents and damage to doors and windows. For properties standing empty over winter, insurers add extra conditions — we check them upfront.
Third-party liability
If an incident at your property damages a neighbour’s — flooding the flat below, for example. A clause that proves extremely useful and is almost always worth having.
What it does not cover
- Gradual damp, mould and damage from poor maintenance.
- Damage caused by construction defects or badly executed repairs.
- Property left outdoors, unless expressly agreed.
- Theft with no signs of forced entry, from an unlocked property.
What we need to quote
- Proof of ownership or title deed.
- The owner’s ID card.
- Floor area, year of construction and type of structure.
- How you use the property — permanently occupied, holiday home, let out.
Why through Soners
- We calculate the true rebuild value so you are not under-insured — the most common reason a payout is reduced.
- We specialise in coastal properties, including those owned from abroad.
- We compare the sub-limits per risk, not just the headline sum — that is where the real difference sits.
- We assist from day one of a claim: inspection, documents, communication with the insurer.
About the price
The premium depends mainly on the sum insured, the type of construction and the risks selected. For a standard apartment the annual premium is usually modest relative to the property’s value — we calculate it free.
Frequently asked questions
Usually two separate elements: the structure (walls, floors, installations, finishes) and the contents (furniture, appliances, personal belongings). You can insure either or both. Most people underestimate the second — make a short inventory before setting the sum.
Yes, but it must be declared. A policy taken out as “permanently occupied” can be declined at claim time if the property is in fact let to holidaymakers. That is exactly why we ask in detail how you use it — so the policy holds when you need it.
Banks require property insurance for the term of the loan. You are not obliged to take it through the bank — you can arrange it with us, and it is often significantly cheaper for the same or better cover.
Would you like a quote for Property Insurance?
We compare the offers of every leading insurer and come back to you with the best one. Free and with no obligation.