The price of home insurance can vary depending on many factors, which is why there is no fixed rate. Differences between offers appear based on the property, coverage level and insurer.
The cost of home insurance is calculated based on essential criteria that influence the risk and compensation value.
What influences the price of home insurance?
Among the most important factors that determine home insurance prices are:
- the type of property (house or apartment)
- the value of the building and insured contents
- the year of construction and building structure
- the location and zone-specific risks (earthquake, flooding, etc.)
- the risks included in the policy
- the level of coverage chosen
- the existence of security systems
For apartment insurance, the floor or position in the building can also influence the price.
Why do prices differ between insurers?
Differences in home insurance prices appear because each insurer:
- assesses risks differently
- offers different packages and coverage levels
- applies specific limits and conditions
Thus, two home insurance policies can have different prices even for the same property.
How do you get the best price for home insurance?
The most efficient way to get a good offer is to compare several options before choosing.
On troco.ro you can do this quickly:
- enter your property details
- instantly see offers from multiple insurers
- compare coverage levels and prices
- choose the option that suits you
This way, you can quickly find the best home insurance option at the right price.
Home insurance price calculation examples
To understand the differences between offers, below is a reference example for the same property, with three different coverage levels.
Example: 65 sqm apartment in Bucharest, value 100,000 € + contents 15,000 €
🟡 Comparative home insurance table
| Features |
Basic (minimum) |
Standard ⭐ Recommended |
Premium (complete) |
| Fire / explosion | ✔ | ✔ | ✔ |
| Natural phenomena | ✔ | ✔ | ✔ |
| Water damage (pipes / neighbours) | ✘ | ✔ | ✔ |
| Theft / vandalism | ✘ | ✔ | ✔ |
| Household contents | ✘ | ✔ | ✔ (extended) |
| Liability towards neighbours | ✘ | ✔ | ✔ |
| Electrical phenomena | ✘ | optional | ✔ |
| Compensation limits | low | medium | high |
| Estimated price / year | 150–180 RON | 200–280 RON | 300–400+ RON |
What does each variant mean?
Basic home insurance (minimum)
Covers basic risks such as fire, explosion and natural phenomena. Does not cover theft, water damage or household contents. It is a low-cost home insurance option, suitable for minimal protection.
- Estimated price: 150 – 180 RON / year
Standard home insurance (recommended)
Includes basic risks + water damage, theft and vandalism, as well as household contents and liability towards neighbours. This is the most balanced home insurance option.
- Estimated price: 200 – 280 RON / year
Premium home insurance (complete)
Includes all standard coverage + extensions (electrical phenomena, accidental damage), higher limits and optional additional services. This is the complete optional home insurance option.
- Estimated price: 300 – 400+ RON / year
How do you choose the right variant?
- you want affordable home insurance → Basic
- you want real protection at a fair price → Standard
- you want complete coverage → Premium
On troco.ro you can quickly compare real home insurance offers, see exactly home insurance prices and choose the right option for you.
