bizbrasov.ro/2026/11/01/polita-pad-100-000-de-lei-

The mandatory home insurance (PAD) protects homeowners against damages from natural disasters like earthquakes, floods, and landslides. By 2026, insurance costs and coverage limits will vary based on construction materials. Homeowners must legally obtain this insurance, with penalties for non-compliance. Currently, only about 25% of homes in Romania are insured under PAD. The insurance covers damages up to 100,000 lei for resilient constructions and 50,000 lei for less durable ones. Additional optional insurance can enhance coverage for various risks. Without insurance, homeowners cannot recover reconstruction costs and may face fines for non-compliance.