Capcana PAD: De ce polița obligatorie a locuinţei e doar taxă de liniște? Ce aduce cea facultativă? • Newsweek România

In Romania, the mandatory property insurance (PAD) is often seen as a mere formality, covering only limited risks. Most homeowners purchase it to comply with legal requirements, leaving many properties unprotected against common disasters like fires and explosions. The PAD covers only three natural disaster risks, with low compensation limits that do not reflect actual reconstruction costs. In contrast, optional insurance offers broader coverage for various risks, including theft and storm damage, but requires an active PAD policy to purchase. This bureaucratic hurdle often leads to misunderstandings when seeking compensation. The cost of optional insurance is relatively low compared to the value of the property, making it a worthwhile investment for homeowners.