• • Building Coverage
• • Contents Coverage
• • Fire Liability
• • Loss of Rent
• • Residence Change Expenses
• • Theft / Theft of Valuables
• • Building Theft
• • Insufficient Insulation
• • Hail
• • Snow Load
• • Flood
• • Landslide
• • Storm
• • Internal Water Damage
• • Collision with Motor Vehicles
• • Collision with Aircraft
• • Smoke
• • Strike, Lockout, Riot, Civil Commotion, Malicious Acts, Terrorism
• • Third-Party Liability
• • Debris Removal
• • Neova Insurance Emergency Assistance Services
• • Air Conditioner and Boiler Maintenance

• • Decoration
• • Earthquake  and  Volcanic Eruption
• • Personal Accident
• • Legal Protection
• • Collision with Watercraft
• • Electronic Devices
• • Machinery Breakdown
• • Glass Breakage
• • Fuel Leakage 
• • Landscape Damage
• • New Value Coverage
• • Employee Safety Misconduct
• • Guest Belongings
• • Coverage for Damage Caused by the Aquarium
• • Food Spoilage Due to Electrical Damages 
• • Accidental Breakage Coverage
• • Additional Fire Financial Liability
• • Coverage for Household Goods in Transit

Emergency assistance services will be provided throughout Turkey during the policy period. In the event of a covered incident under the Emergency Assistance Services conditions (excluding earthquake and volcanic eruption, flood and water damage), by calling the Neova Participation Insurance Emergency Assistance hotline at 444 1 636, the following services can be availed. For detailed information about the services and their limits, you can contact the Neova Participation Insurance Emergency Assistance hotline or visit our website at www.neova.com.tr.

• • Plumbing works (including materials and labor): TRY 1,000 per year, up to 3 times
• • Electrical works (including materials and labor): TRY 1,000 per year, up to 3 times
• • Glass works (including materials and labor): TRY 1,000 per year, up to 3 times
• • Key works (including materials and labor): TRY 1,000 per year, up to 3 times
• • Rescue of a person trapped in the house: TRY 1,000
• • Dispatch of a doctor or ambulance: TRY 1,000 per year, up to 2 times
• • Dispatch of a specialist nurse or attendant: TRY 1,000 per year, up to 2 times
• • Hotel service: 4-star hotel / Maximum 3 days
• • Security Service: Maximum 2 days
• • Closure after breakage (ceramic, plaster, etc.): Included
• • Transmission of emergency messages: Unlimited
• • Professional service organization: Connection

General Exclusions

This service does not cover bodily and material damages resulting directly or indirectly from the following:

1. a) Intentional acts of the insured,
2. b) Force majeure, direct or indirect war, civil war, armed conflict, rebellion, uprising, riot, strike, damage caused by any possibility affecting the security of society or the state order,
3. c) Earthquake, volcanic eruption, flood, and all kinds of environmental accidents, etc., natural disasters,
4. d) Expenses incurred by the insured without the company's prior approval or acceptance.