As statistics show, most often apartment owners suffer losses in case of fires, pipe breaks and flooding, theft, and illegal actions of third parties. You can independently collect all the services that will be included in the policy. You can choose the entire package of options, or you can choose a specific service, for example, fires or causing harm to human health. This will allow you to protect yourself from unforeseen expenses if the emergency occurred at your fault. Accidental flooding of neighbors or damage to common property will be covered by the insurance company.