SAVA OSIGURANJE

SAVA OSIGURANJE is a Montenegro-based non-life insurance company headquartered in Podgorica and a member of Sava Insurance Group. Its published products include household and belongings insurance, insurance for tourist apartments and guests, and property insurance for legal entities.

For remote rental owners, the most relevant public products are Household insurance and Tourist apartments and guests insurance, covering residential property and rental accommodation risks in Montenegro.

Relevant insurance products for property owners

• Household and belongings insurance for residential buildings and household items.
• Tourist apartments and guests insurance for registered accommodation, including tourist apartments, studio apartments, pensions, flats and rooms for rent.
• Published tourist-apartment cover references risks such as fire, burglary, flood, glass and sanitary breakage, liability in some packages, and optional accident insurance for guests.
• Household insurance includes standard-package cover for risks such as fire, lightning, explosion, storm, hail, water leakage from installations, burglary/robbery, necessary accommodation costs and insured-person liability.

Not a property-management provider: SAVA OSIGURANJE is an insurer, not a cleaning, maintenance, guest check-in or rental-management company.

Typical process from public information

1. Choose the relevant product: household insurance or tourist-apartment/guest insurance.
2. For Standard Package household insurance, use the published online purchase option where eligible.
3. For houses, villas, apartments over 120 m², wider cover or tourist-apartment insurance, request an offer by email or through a branch office.
4. Claims can be submitted through SAVA OSIGURANJE’s published claim-reporting channels.
5. The company also publishes branch-office and contact-centre channels for support during working hours.

Published working hours are Monday–Friday, 08:00–16:00.

The website also states that the contact centre and website chat are available during the same working-day hours. Separate assistance numbers are published for travel health, voluntary health and roadside-assistance insurance; a 24/7 property-emergency line was not clearly published.

SAVA OSIGURANJE is a strong fit for foreign or remote owners who need an insurance policy rather than day-to-day property management.

Public pages include an English section for foreign nationals and the website also presents language options including Montenegrin/Serbian, English, Russian and Turkish. Owners of larger apartments, houses and villas are directed to contact the sales team or visit a branch for a tailored offer.

Published household pricing for foreign nationals states that, depending on apartment size, the annual premium can be €28 or €48 for online Standard Package household insurance.

For apartments over 120 m², houses, villas, wider cover such as a Luxury Package, and tourist-apartment/guest insurance, public pages direct owners to request an offer from SAVA OSIGURANJE or visit a branch; detailed public pricing was not found.