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    Home insurance from BT Pay

    Full protection
    for your house

    You leave home peacefully when your house is safe: you have extensive coverage, protection for goods and unforeseen situations, all directly from BT Pay.

    • The insurance is suitable both for homes without a mortgage and for those purchased through credit.
    • Extended protection for your home: fires, explosions, theft, vandalism, natural phenomena, neighbor floods.
    • The policy can also be issued for another person's property (relatives, friends, etc.).
    • You protect your home also against risks that are not covered by the mandatory insurance.
    • Valid in Romania: you have clear protection, on the territory of the country.
    • You protect your house in Romania even if you live in the diaspora, from BT Pay.

    Voluntary home insurance

    Your silence, one tap away

    Insure your home directly from BT Pay: fill in the data, choose the desired package, pay flexibly, and have peace of mind in the long term.

    100% online Insurance

    You insure your home quickly, directly from the comfort of your own house, without trips to the bank.

    Complete protection for your home

    The two available packages, Gold and Silver, include protection for household goods and civil liability. Additionally, you can add extra coverage, depending on your needs.

    12 months of assured peace

    You check the validity and your insurance documents anytime, easily, from the app. Moreover, we notify you before your policy expires.

    For everything that matters

    Take care of your needs and those of your loved ones, directly from the app - you can insure both your home and the residence of your family or friends.

    Extended protection, beyond PAD

    BT Pay home insurance complements the mandatory PAD insurance, extending home protection beyond natural disasters, by covering multiple types of damages.

    One cost, coverage as extensive as possible

    Your home, safe

    CHOOSE THE INSURANCE

    Regardless of the situation, your home deserves protection. You can choose between two solutions, depending on the stage you are at. Both offer the same level of safety – they only differ in when you need them and how you activate them.

    all benefits

    • The insurance is suitable both for homes without a mortgage and for those purchased through credit.
    • You have one year of full protection for your house, for the belongings in the home and civil liability.
    • The policy covers fires, explosions, natural phenomena, flooding from neighbors, theft, vandalism, civil liability, breakable goods, and good neighborliness.
    • You can extend the insurance with protection for the boiler, electrical installations, and quick interventions in case of emergency.
    • You can pay the insurance cost in 6 or 12 installments with the BT shopping card.
    all benefits

    QUICK HELP



    The policy protects your home and the belongings inside it.

    Depending on the chosen package (Gold or Silver), the insurance covers the following risks: fire, lightning, explosion, falling aircraft, natural phenomena and natural disasters, floods from neighbors, theft and vandalism, civil liability, breakable goods, and good neighborliness situations.




    Home insurance from BT Pay is concluded for a period of 12 months


    You can access the option from multiple places within the application:

    • from the main screen → Insurance → Home insurance
    • from HUB
    • or from Credits → Insurances

    Everything is designed so that you reach her quickly, no matter where you enter from.

    YOUR HOME, SAFE

    Enjoy peace at home, even when unexpected situations arise. Home insurance offers you full protection for your house, simple and quick through BT Pay.

    Ai Search
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    BT Question Logo
    Întreb BT is the largest online financial education program of Banca Transilvania, with over 2,000 questions and answers about banking.
    Frequently Asked Questions
    Powered by Microsoft Foundry
    AI Search provides automatically generated answers, using Claude-Haiku-4.5 technology and an advanced agent orchestration mechanism. The answers may contain inaccurate or potentially offensive content, which does not represent the point of view of Banca Transilvania. You are solely responsible for the use of the content generated by this service. Read .
    Terms and conditions

    Disclaimer

    AI Search is a pilot project - in beta version - that uses Claude-Haiku-4.5 technology to simplify the search and understanding process of banking products.

    AI Search is trained to answer questions exclusively related to banking products offered by BT, but in certain situations and depending on the questions asked, it may also answer general questions. The answers provided are generated automatically and should be used for informational purposes only. The service may sometimes provide inaccurate or potentially offensive content that does not represent the point of view of Banca Transilvania. You are solely responsible for using the content generated by this service in any way. Do not rely on this service for financial, legal, or other professional advice and do not enter personal data or other confidential information into it.

    Using AI Search requires acceptance of the Terms and Conditions.

    Access to and use of the service implies unconditional acceptance of these terms and conditions. If you do not agree with them, please do not use this service. By accepting the terms and conditions to use this service provided algorithmically by an artificial intelligence model, you assume all risk regarding the quality, safety, and performance of this service.

    Banca Transilvania does not provide any warranty regarding the answers given by this service.

    AI Search provides algorithmic answers and these may sometimes contain inaccurate information or potentially offensive language. This information does not express the position of Banca Transilvania and cannot engage the Bank's responsibility for the content provided.

    AI Search does not provide answers to personalized questions, so by using it you are obliged not to provide or enter any personal data or other confidential information in the messages/questions sent. In case of non-compliance with this obligation, by inserting personal data/confidential information within AI Search, you express your consent for their processing in order to provide the service (answers to the questions you ask), as well as for the improvement of the robot's algorithmic model by its developer.

    Any information provided by users during interaction with AI Search will be treated confidentially, being disclosed only to recipients who have the right and need to know it.

    The content provided by AI Search is for informational purposes only.

    Users are responsible for the questions and messages addressed during the use of AI Search. Any abuse or inappropriate language may lead to the termination of the interaction.

    AI Search does not provide financial, legal, or professional advice and does not replace consulting human experts or specialized professionals in the respective field. Users should not rely on the information provided by AI Search for decision-making.

    The bank reserves the right to interrupt the AI Search service at any time, without prior notice.

    Terms and conditions may be revised/ updated at any time.

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