Pojišťovna má moji pojistnou smlouvu.

It is accusative singular feminine.

Why? Because mít (to have) normally takes a direct object, and direct objects in Czech are usually in the accusative.

So the basic noun phrase:

• pojistná smlouva = nominative, the dictionary form

changes to:

• pojistnou smlouvu = accusative, because it is the thing the insurance company has

The possessive moji also matches that same noun phrase in gender, number, and case.

It agrees with the thing possessed, not with the owner.

So moji does not match I / me. It matches smlouvu, because that is the noun it belongs to.

Since smlouva is:

• feminine
• singular
• here in the accusative

the possessive has to be feminine singular accusative too.

This is a very important Czech pattern: possessives like můj, tvůj, svůj behave like adjectives and agree with the noun they modify.

Yes. Both are correct.

In feminine singular accusative, můj can have:

• mou
• moji

So both of these work:

• Pojišťovna má mou pojistnou smlouvu.
• Pojišťovna má moji pojistnou smlouvu.

Many learners first meet mou, because it is shorter and very common. But moji is also standard.

Just be careful not to confuse moji with mojí. The long í belongs to different forms, for example:

• s mojí pojistnou smlouvou = with my insurance contract

Because pojistnou is an adjective and smlouvu is the noun it describes, and in Czech adjectives must agree with their nouns.

The dictionary form is:

• pojistná smlouva

In the accusative singular feminine, that becomes:

• pojistnou smlouvu

So both words change to show the same grammatical information:

• feminine
• singular
• accusative

This kind of agreement is one of the main features of Czech grammar.

Má is the 3rd person singular present form of mít (to have).

The subject is pojišťovna, which is singular, so the verb must also be singular:

• já mám = I have
• ty máš = you have
• on/ona/ono má = he/she/it has
• my máme = we have
• vy máte = you have
• oni mají = they have

So Pojišťovna má... means The insurance company has...

There are two main clues:

1. Word order: this sentence uses the normal neutral order subject + verb + object

   • Pojišťovna = subject
   • má = verb
   • moji pojistnou smlouvu = object

2. Case endings: the object phrase clearly shows accusative endings

   • pojistnou smlouvu is marked as the direct object

So even if word order changes, the endings help show who is doing what.

Also, pojišťovna is in the nominative, which is the usual case for the subject.

Because Czech does not use articles like English a/an and the.

So Czech simply says:

• Pojišťovna má moji pojistnou smlouvu.

and English translates that naturally as:

• The insurance company has my insurance contract/policy.

Whether something is the or a is usually understood from context.

The sentence as given is the neutral, most straightforward order:

• Pojišťovna má moji pojistnou smlouvu.

But Czech word order is fairly flexible because the endings carry a lot of grammatical information.

For example, you could also say:

• Moji pojistnou smlouvu má pojišťovna.

That puts more emphasis on my insurance contract.

So the original order is the best default choice, but other orders are possible for emphasis, contrast, or information structure.

Not exactly.

• pojistná smlouva = the full, formal term, literally insurance contract
• pojistka = a shorter, everyday word, often used more casually for insurance policy or even insurance

So in ordinary speech, many people might say pojistka, but pojistná smlouva sounds more formal and precise.