Thinking of buying an apartment or a house in Croatia?

Are you investing in property in Croatia or thinking about buying an apartment on the Adriatic coast, but you don’t have residence in Croatia? Are you wondering whether you protect your property with insurance policy? Well, we have a good news for you!

With LAQO property insurance, you can easily protect your real estate, even if you are a foreign national without residence in Croatia. The only requirement is that you have a Croatian OIB (Personal Identification Number) and the property you want to insure. But don't worry, if you don’t have an OIB yet, we have a solution for that too.

Can you take out a policy as a foreign citizen?

Yes, you can. The policy terms do not restrict you based on nationality or residence. 
Instead, only a few simple criteria apply. 

You need to:

• Have an OIB (Croatian Personal Identification Number) / if you don’t have one, contact us at +385 72 072 072
• Be the owner or legal user of a property in Croatia

If you already have an OIB, the process is quick and simple. 
You can complete everything independently and online, right from your couch, click here.

 

What If You Don’t Have an OIB Yet?

Even if you don’t have an OIB, you can still arrange a property policy. In that case, contact us by phone at +385 72 072 072 or by email at info@laqo.hr. We will assist you with entering your details and manually register you as a foreign citizen. This means that even without Croatian residence and without a previously issued OIB, you can start the process and, step by step, obtain an insurance policy for your property.

Why Is Property Insurance Worth It?

If you are investing in real estate in Croatia, it makes sense to protect that investment.

With LAQO property insurance:

• You protect the building structure (walls, roof, installations) and household contents (furniture, appliances, electronics) against risks such as fire, storms, or water damage
• You can choose additional coverages depending on your property’s location and your specific needs (earthquake, burglary, etc.)
• You benefit from a fully digital process, from purchasing the policy to filing a claim. Which is especially convenient if you do not live in Croatia

If you rent out your property to tourists, insurance gives you additional peace of mind. It helps you recover more easily from damage and ensures that unexpected costs do not eat into your rental income or savings.

Can You Insure Your Property Today?

Absolutely.

If you already have an OIB, it only takes a few minutes to arrange your policy and insure your property in Croatia. If you do not yet have an OIB, simply contact us so we can manually register you as a foreign citizen and guide you through the next steps.

That way, you can protect your house, apartment, or holiday property in Croatia quickly, easily, and remotely, no matter where you live or what your nationality is.

Insure your home today or find out the price with our free calculator, click here.

Your LAQO