Polski
УкраїнськаHow much does house insurance cost?
House insurance: half of the collected sources fall within 365 ‑ 495 PLN/year, and the middle value (median) is 375 PLN/year. Comparison based on 3 sources, as at 30 September 2026.
Figures on this page:all prices
Unit: PLN per year (detached house insurance). Prices stated in public price lists and guides, not confirmed by invoices. How we calculate them.
Prices by source
Hover over the bar (or tap it) to see the price and its source.
House insurance: prices by source
Five sources with varying levels of reliability, deliberately kept separate so that declarations are not mixed with evidence. The price index consists of cited public price lists per unit of service (PLN/year); customer reviews show amounts for entire jobs submitted via the ‘How much did you pay?’ form, with three verification levels (how we verify them); company price lists contain prices entered by the companies themselves. Price index as at: 30 September 2026; customer and company entries are updated continuously.
| Source | Median | Typical range / full range | Number |
|---|---|---|---|
| Price index: quoted public price lists and guidesevery price from a public website, with a quotation, date and link; median of range midpoints, excluding outliers | 375 PLN/year | 365 ‑ 495 | 3 |
| Customer reviews verified with an invoice or receiptthe editorial team (initially assisted by AI) checked the document: the service, amount, date and contractor all match | - | - | 0 |
| Customer reviews verified by declaration (confirmed by e-mail)the author confirmed through an e-mail link their declaration that they had used the service and that the amount and review were genuine | - | - | 0 |
| Unverified customer reviewsamount submitted through the form without confirmation by e-mail or document | - | - | 0 |
| Price lists entered by companies (company declarations)gross prices entered by companies using the company form; we do not verify them or include them in the price index median | - | - | 0 |
At a glance. According to the price index (cited public price lists), House insurance costs typically 365 ‑ 495 PLN/year,median 375 PLN/year, based on 3 sources, as at 30 September 2026.
We do not yet have customer reviews verified with an invoice or receipt for this service.
We do not yet have customer reviews verified by declaration (confirmed by e-mail) for this service.
We do not yet have unverified customer reviews for this service.
No company has yet added its own price list for this service.
Source for citation: indekscen.pl, ‘House insurance’, as at 30 September 2026, https://indekscen.pl/en/ile-kosztuje/ubezpieczenie-domu/. Method: how we calculate, how we verify. Data description for AI assistants: llms.txt.
Options and additional fees
| Option | Price | Sources |
|---|---|---|
| Extended All Risk cover with add-ons | 500 ‑ 1,000 PLN/year | Polisoteka |
What affects the price
- the value and floor area of the house
- location
- scope: named risks or All Risk
- add-ons: burglary, personal liability, assistance, solar panels
Usually included in the price
- walls and permanent fixtures
- movable property in the standard package
- damage caused by fire, flooding and hurricanes
Usually charged separately
- burglary in some policies (extended cover costs PLN 50 to 150 per year)
- photovoltaic installation (separate add-on costing PLN 100 to 300 per year)
- flooding during the qualifying period
Prices from customers and companies
Two types of entries: customers state how much they paid for the entire job and rate the contractor; service providers enter their price lists. Customer entries have three reliability levels: ✓ verified: invoice or receipt (the editorial team has seen a document matching the entry), ✓ verified: declaration (the author confirmed the entry using a link sent by e-mail) and unverified (how we verify entries); we do not verify company price lists. Price lists entered by companies are not included in the median at the top of the page; customer amounts are included only for services priced as a complete service.
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Price and satisfaction
| Amount paid | Entries with ratings | Average rating | 5★ ratings |
|---|
By company size
| Company size | Customer entries | Median from receipts | Average rating | Company price lists | Median from price lists (PLN/year) |
|---|
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Contractors: house insurance
Companies with a public price list for this service, based on our sources, and providers named by customers in reviews. The order is not a ranking; we do not charge for inclusion in the list.
| Contractor | How we know | Price | Customer rating |
|---|---|---|---|
| Allianz | price list on the company or facility website | 375 PLN/year | - |
We do not have any businesses to show yet. Know a good contractor? Add a review.
Price sources
Each amount comes from a publicly accessible website. The quote is the passage containing the amount. Website data as at 30 September 2026; prices may have changed since then.
| Source | Type | City | Price (PLN/year) |
|---|---|---|---|
| ubezpieczeniemieszkania.pl · 2026-05„Polisa dla 120-metrowego budynku kosztuje z kolei od 343 zł do 940 zł, średnio 611 zł.”średnia z porównania ofert dla domu 120 m² (rozrzut od 343 do 940 zł) | guide / portal | all of Poland | 611 |
| Polisoteka „Składka 200-500 zł rocznie za standardowy pakiet (mury + elementy stałe + ruchomości)”standardowy pakiet: mury, elementy stałe i ruchomości | guide / portal | all of Poland | 200 ‑ 500 |
| Allianz company profile„Cena zaczyna się już od 375 zł za rok w pakiecie Max”najniższa cena ubezpieczyciela w wariancie MAX | company price list | all of Poland | from 375 |
Questions about the price
What does home insurance cover?
A standard package covers the building, fixtures and movable property, and according to Polisoteka costs PLN 200 to 500 per year. Extended All Risks cover with add-ons costs PLN 500 to 1000 per year.
What is the best insurance cover for a house?
A basic policy covers fire, flooding and hurricanes. Burglary cover is often a separate add-on costing PLN 50 to PLN 150 per year, while solar panel cover costs an additional PLN 100 to PLN 300 per year.
How much did you pay for this service?
The quickest way: upload a photo of the receipt or invoice and select a star rating, it takes half a minute. We will read the amount, company and date from the document. The entry will appear immediately. Once confirmed by e-mail, it will receive a yellow "verified: declaration" badge, and once the document has been checked, a green "verified: invoice or receipt" badge.
Both buttons open the same form: you submit the rating yourself. Prefer the full form? How much did you pay?