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    Housing insurance from BT Pay

    Full protection
    for your house

    You leave home calmly 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, flooding neighbors.
    • 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, just a tap away

    Secure 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.

    Insurance 100% online

    You insure your home quickly, directly from the comfort of your 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 documents of your insurance anytime, easily, from the app. Moreover, we notify you before your policy expires.

    For all that matters

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

    Extended protection, beyond the motor liability insurance

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

    One single cost, protection as much as it covers

    Your home, safe

    CHOOSE INSURANCE

    Regardless of the situation, your home deserves protection. You can choose between two solutions, depending on the stage you are in. 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 home, for the goods in the dwelling, and civil liability.
    • The policy covers fires, explosions, natural phenomena, floods from neighbors, theft, vandalism, civil liability, breakable goods, and good neighborliness.
    • You can extend the insurance with protection for the boiler, electrical installations, and rapid interventions in case of emergency.
    • You can pay the insurance cost in 6 or 12 installments with the BT shopping card.
    all benefits

    FAST HELP



    The policy protects your home and the goods 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, flooding from neighbors, theft and vandalism, civil liability, fragile goods and good neighbor situations.




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


    You can access the option from several places in the application:

    • from the main screen → Insurance → Home insurance
    • from HUB
    • or from Loans → Insurance

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

    YOUR HOME, SAFE

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

    Ai Search
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    Logo Question BT
    Întreb BT is the largest online financial education program of Banca Transilvania, with over 2,000 questions and answers about banking.
    Frequently Asked Questions
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    AI Search offers automatically generated answers, using Claude-Haiku-4.5 technology and an advanced orchestration mechanism through agents. 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 process of searching and understanding 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, which does not represent the view of Banca Transilvania. You are solely responsible for using the content generated by this service in any manner. 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.

    The use of AI Search implies 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 algorithmically provided by an artificial intelligence model, you assume all risk regarding the quality, safety, and performance of this service.

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

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

    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 the processing of such data for the purpose of providing the service (answers to the questions you ask), as well as for the improvement of the algorithmic model of the robot 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 offered by AI Search is for informational purposes only.

    Users are responsible for the questions and messages addressed within the use of AI Search. Any abuse or inappropriate language may lead to the interruption 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 reviewed/updated at any time.

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