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 work with 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, no upfront fees, no obligation. 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.
For renters: Your landlord's building insurance does NOT cover your personal belongings. If your apartment floods or is burglarized, your laptop, clothes, and furniture are only covered if you have your own household contents policy. Typical cost: 1,500–4,000 CZK/year.
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.
Did you know? Czech social security only pays 60–72% of your reduced income during work incapacity, and freelancers who don't pay voluntary sickness insurance get nothing. Use our sick leave & disability calculator to see exactly how much you'd lose.
Income protection insurance fills this gap. It pays a monthly benefit (typically up to 80% of your net income) for as long as you're unable to work, whether due to illness, injury, or surgery. Monthly premiums range from 500–2,000 CZK depending on your salary level and chosen waiting period. Read our in-depth article on the 6 types of insurance expats actually need.
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 work with multiple providers and negotiate a competitive rate for your specific car and driving profile.
Tip for expats: Your no-claims bonus from your home country may be accepted by some Czech insurers. We know which ones and can help you transfer it, potentially saving you thousands.
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.
Example: Your child accidentally breaks a neighbor's window, or you spill coffee on a colleague's laptop, or your bathtub overflows and damages the apartment below. Liability insurance covers these incidents, without it, you pay out of pocket.
Common Mistakes Expats Make
1. Having no insurance at all. Many expats assume their home country policies still cover them. In most cases, they don't, and Czech law requires car insurance at minimum.
2. Signing Czech-language contracts without understanding them. We've reviewed policies where clients were paying for coverage they didn't need while missing coverage they absolutely did.
3. Ignoring income protection. This is the biggest gap we see. If you earn over 50,000 CZK/month, the difference between what social security pays and your actual salary can be 20,000+ CZK/month. One broken leg and that gap hits hard.
4. Overpaying by not comparing. The Czech insurance market has strong competition, switching providers or renegotiating can save 15–40% on the same coverage. We've saved clients over 6,000 CZK/year just by comparing.
Frequently Asked Questions
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.