LOVĆEN OSIGURANJE

Lovćen Osiguranje AD is a Montenegro-based insurance company and part of the Triglav Group. Its public materials describe it as a non-life insurer with branches in Podgorica, Nikšić, Berane, Pljevlja, Bijelo Polje, Kotor, Bar and Budva, plus sales locations across Montenegro.

For rental-property owners, the most relevant public products are Dome moj home insurance and tourist-apartment insurance, covering combinations of the building, contents and selected risks depending on the chosen package.

Relevant insurance products

• Home / apartment insurance packages for the building structure, household contents, or both.
• Tourist-apartment insurance for rental apartments and houses.
• Cover options shown publicly include fire, lightning, explosion, storm/hail, aircraft impact, vehicle impact, water escape, flood, burglary/robbery, glass and sanitaryware breakage, and selected liability covers, depending on package.
• Tourist-apartment materials also mention owner liability, guest liability / guest accident options, earthquake as an optional add-on, and loss of rent following certain insured events.
• Home-assistance can be added to the Dome moj package when separately contracted and paid.

Not a property manager: public materials support insurance services only, not guest management, cleaning, key holding or maintenance coordination outside insured-assistance products.

Owners can use the public website to review products, request an agent, buy selected products online where available, or visit/contact a branch.

A typical process is:

1. Choose the relevant product: home insurance, contents insurance or tourist-apartment insurance.
2. Select the insured subject and package level, and confirm any add-ons such as earthquake, guest accident or home assistance.
3. Contract the policy online, through an agent or at a branch, depending on the product.
4. If damage occurs, report the claim through Lovćen’s claim channels, by phone or at a branch, and provide the required documentation.
5. If home-assistance has been contracted, use the dedicated assistance number for urgent covered interventions.

Public contact information shows an information centre at 020 404 404 and branch working hours generally listed as Monday–Friday, 08:00–16:00.

For the home-assistance add-on, Lovćen’s public Dome moj materials state a dedicated assistance phone is available 24 hours a day, 7 days a week when that cover is separately contracted.

Lovćen is a fit for owners who need property and rental-apartment insurance in Montenegro, especially where cover for the building, contents, guest-related liability or loss of rent is required.

Useful points for remote or foreign owners:

• Tourist-apartment insurance is specifically marketed to people renting apartments or houses.
• Lovćen has branches and sales points across Montenegro, which can help with local policy administration and claims.
• Public-facing materials found are primarily in Montenegrin/Serbian, so foreign owners should confirm whether English-language support is available before purchase.
• Insurance is not a substitute for local caretaking: owners will still need separate help for access, inspections, repairs, cleaning and guest operations.

Public pages list package premiums by square metre, with the final price depending on property type, insured subject, package level, sums insured and add-ons.

• Dome moj home insurance: published annual premiums include examples from about €0.30–€2.15 per m², depending on whether the policy covers contents, building, or both and on the selected package.
• Tourist-apartment insurance: published annual premiums include package examples around €0.57–€2.00 per m², depending on the table/package and coverage basis.
• Public tariff tables note that displayed premiums are before the applicable insurance-premium tax/VAT where stated.

Owners should request a current quote for the exact property, rental use, occupancy status and add-ons such as earthquake or home assistance.