Only 31% of homes and apartments in Kyrgyzstan are currently insured. This low coverage rate means that many residents face the risk of losing millions if they suffer damage to their property. However, the insurance system has already seen payouts, with compensation distributed across 318 claims since the beginning of 2026, totaling more than 60 million soms.
Insurance Requirements and Payouts
For residents, understanding the cost and limits of insurance is crucial. The mandatory housing insurance costs 1200 soms annually in cities and 600 soms in rural areas. The maximum compensation payout is set at one million soms for urban dwellings and 500 thousand soms for rural ones. The final payout amount is determined by specialists after inspecting the actual damage.
Mandatory Insurance Details
The mandatory insurance scheme requires specific annual payments depending on the location of the property.
