Insurance for Expats in Czechia
Living abroad means navigating unfamiliar insurance systems — often in a language you don't speak. We remove that barrier entirely. We compare all major Czech insurance providers, negotiate substantial discounts on your behalf, explain everything in English, and handle the entire process for you.
We Review What You Already Have
Already have insurance in Czechia? Many expats signed contracts they didn't fully understand — often in Czech, often without a proper explanation of what's actually covered. Our first step is always to review your existing contracts for free. We check what you're paying, what you're covered for, and whether there are gaps or overpayments.
Real example: One of our clients had been paying for life insurance for 3 years without realizing their coverage ended at age 55 — not 65 as they assumed. It had never been properly explained to them. We restructured their policy to give them full coverage until retirement, at a similar monthly cost.
Another client was paying 18,000 CZK/year for property insurance. After we reviewed and renegotiated, we got them better coverage for 11,500 CZK/year — saving them over 6,000 CZK annually with a stronger policy.
Our Process
Step one: we review what you currently have and explain it to you in plain English. Step two: we show you if and how it can be optimized — better coverage, lower price, or both. Step three: if you want to make changes, we handle everything. If you're happy with what you have, that's fine too — at least you'll know exactly what you're paying for.
Property Insurance
Whether you own or rent, property insurance protects your home and belongings against fire, water damage, theft, and natural disasters. If you have a mortgage, your bank will require property insurance — and we can make sure you're not overpaying for it. We also arrange household contents insurance to cover your furniture, electronics, and personal items.
Life & Income Protection
Life insurance in Czechia covers more than just death. A good policy protects you against long-term illness, disability, hospitalization, and loss of income. This is especially important for freelancers who don't have employer-provided sick pay. We help you choose the right combination of coverage based on your situation.
Car Insurance
If you own or lease a car in Czechia, you'll need mandatory liability insurance (povinné ručení) at minimum. We also recommend comprehensive coverage (havarijní pojištění) for newer vehicles. We compare all providers and negotiate the best rate for your specific car and driving profile.
Liability Insurance
Personal liability insurance covers you if you accidentally damage someone else's property or cause injury. It's inexpensive and highly recommended — especially if you have children. Typical coverage starts from just a few hundred CZK per year.
No commitment needed. You don't need to be decided about anything. Most of our clients start by simply having their existing contracts reviewed — or just asking questions.