Apartments and houses are expensive, and anything can happen to them - fires, floods, natural disasters... Voluntary property insurance is a great way to protect your property and prevent huge financial losses.
Insurance rulesMortgage insurance
The program from Rosgosstrakh for mortgage borrowers is a guaranteed support in terms of fulfilling your financial obligations to the banking institution that provided a loan for the purchase of housing. The cost of property insurance in this case will pay off many times over if the main source of income is lost. And this can happen for various reasons: due to disability, sudden large expenses, for example, to repair housing after damage, etc. With Rosgosstrakh, you will protect your finances in case of loss or partial restriction of property rights.
Note! Mortgages require life insurance.
Title insurance
Property insurance under this program is recommended for those who plan to purchase an apartment, country house or other real estate. For example, it could be buying a home on the secondary market. The terms of property title insurance allow you to protect yourself if the transaction is recognized as illegal for reasons that were unknown to you when making the purchase and sale of the object.
Other insurance rules
Rules for voluntary insurance of property rights (title insurance)
The cost of property insurance depends on many factors, so we recommend that you contact our experts for clarification.
Hello, friends! It would seem that the summer has already passed, which means that the season of mass holidays is already over, and the issue of property insurance seems to be not very relevant now. But let me disagree with you. Do not forget that it is already November, and then winter. And this means that we are waiting for a new series of holidays and weekends during the November and New Year holidays, new trips and vacation trips.
And for apartment thieves, just like during summer holidays, the real “golden” time is coming. In addition, for some reason, it is precisely in the absence of owners that other troubles most often occur in apartments, such as, for example, a flood due to negligent owners or due to the fact that pipes suddenly burst unexpectedly ...
The most important thing is that for some time we have to leave our property without a master's supervision, and this causes some concern. And sometimes gloomy thoughts prevent you from resting calmly, completely relaxing and forgetting about all your problems for a while.
You can, of course, drive these thoughts away from yourself by an effort of will. But, unfortunately, our experiences and bad forebodings cannot always be considered absolutely unfounded and groundless. After all, it is the time of holidays that is considered the most risky, because these days the number of burglaries and car thefts, the number of incidents and accidents are sharply increasing.
Alas, the statistics are disappointing and sad. Every minute in Russia, someone is left without a roof over their head because of an unturned iron, an unextinguished cigarette, an old electrical wiring caught fire, or simply because of someone's carelessness and criminal negligence. And someone, returning from work or vacation, suddenly discovers the loss of all valuables, an open door, a broken window.
But not only fires and theft are a cause for concern. For example, in Moscow, more than 10,000 accidents and bays occur per day. And this despite the fact that Moscow communications are more modern and reliable than, say, in any small town.
And the cost of repairs after a fire or flood in some cases may exceed the cost of the housing itself. Indeed, often you have to restore not only your housing, but also compensate for the damage to all neighbors who have suffered because of your trouble.
How can you protect your property and ensure a relaxing holiday? There is an exit. And in fact, this can be done much easier than we think. To do this, you just need to contact one or another insurance company and issue a property insurance policy.
What is property insurance and why is it beneficial for us?
As always, a little theory. What is property insurance and why we need it is probably clear to everyone. In short, this is the only (and inexpensive) way for owners of country houses, dachas and apartments to reduce their costs and damage in case of any incidents, such as flooding, fire, burglary, household gas explosion, natural disasters.
In our country, we ourselves decide voluntarily whether to insure our property or not. Such freedom of action gives us the right to determine for ourselves what we want to insure, for how much and against what risks, and to choose the insurance program that suits us the most.
And the second plus of this type of insurance is the low cost of insurance. This is due to the low (for example, in comparison with transport insurance) unprofitability for this type of insurance.
What can be the object of property insurance?
In different insurance companies, the conditions and objects of insurance may vary. But the basic ones for everyone are a house, a summer residence, an apartment, a building (garage, outbuildings, a warehouse), furniture and interior items, decoration, as well as civil liability of those who live in the apartment.
But there are exceptions to this rule, and some of the listed objects cannot be insured for a certain reason.
For example, these can be emergency and dilapidated buildings (structures), documents (plans, manuscripts, accounting documents, drawings), technical media (discs, cassettes), alcoholic beverages and tobacco products, foodstuffs, explosives. As well as property that is in a zone of increased danger due to natural disasters or military operations, leased property with a lease term that ends earlier than the expiration date of the insurance contract.
What property (risks) can be insured against?
It can be:
- natural disasters (flood, hurricane, lightning strike, earthquake, fire)
- bay (water damage) due to accidents in heating, plumbing, sewerage, fire-fighting systems or leaks from neighboring premises
- fire
- explosion (for example, household gas)
- theft, robbery
- falling objects
From insurance coverage insured events that occurred as a result of deliberate actions of the policyholder or one of his family members, or if they violated fire safety standards and sanitary requirements during the operation of household appliances, are excluded. And also if, in the event of an insured event, the insured did nothing to prevent further damage to the object and reduce the damage.
Basic insurance programs
There are two types of insurance programs: classic programs and "boxed" products.
Classic Insurance implies individual work representative of the company with the client and the object of insurance (its inspection, a detailed inventory of the object, etc.)
"Boxed" products is a type of insurance with a pre-designed program and a certain set of risks, conditions and sums insured.
A “boxed” product is issued quickly, with a minimum set of documents, without a pre-insurance inspection and analysis of the risks associated with the insurance of this object.
The “boxed” product, as a rule, includes insurance for the structure of the apartment (partitions, walls, ceilings), interior decoration (covering the floor, ceiling, walls, interior doors), movable property (furniture, household items, household appliances) and damage third parties (civil liability).
What documents are needed for property insurance?
In each case, this is determined individually, depending on the requirements of the insurance company.
But in most cases, to draw up an insurance contract under the classic program, the insured will need:
- Passport of a citizen of the Russian Federation
- Certificate of ownership or inheritance, a contract of sale, that is, documents that can confirm your property rights
- Documents confirming the cost of repair work and finishing (in case of interior decoration insurance)
- When insuring real estate and valuable property, documents confirming their value must also be submitted.
- Photos of the insurance object taken during the preliminary inspection.
But if an individual draws up a “boxed” product, only the passport of the insured, who is a citizen of the Russian Federation, is required.
The cost of property insurance
Consider how to insure property using the example of the Uralsib insurance company. The insurance policy of this company "City Apartment" is just an example of "boxed" insurance, which involves protection against fires, bays (including compensation for damage to neighbors whom you flooded), from all kinds of accidents due to burst pipes, sewer leaks and defective batteries, from household gas explosion, from hazardous natural phenomena(such as, for example, a lightning strike, hurricane, flood), burglary and robbery.
The cost of the policy may vary. It depends on the list of insurance objects and on the sum insured, which you choose yourself. For example, in the Uralsib company, you can issue two types of the City Apartment policy: for 2,000 and for 5,000 rubles.
Let's see how they differ.
By purchasing a policy for 2,000 rubles, you purchase insurance for a year with coverage of 300,000 rubles. In this case, household property (housing, furniture, valuables) is insured for 165,000 rubles, and the decoration of the apartment and its repair are also insured for 165,000 rubles.
By purchasing a policy for 5,000 rubles, you will receive insurance for a year with a coverage of 830,000 rubles, broken down by household property - 415,000 rubles and 415,000 rubles for the repair and decoration of the apartment.
How to apply for a policy?
Traditionally, by contacting the insurance company. Or, which is much easier, via the Internet, literally in one minute. And you don't have to go anywhere. You can pay for the policy in any way that is convenient for you. After that, all that remains is to receive the policy on your email and print it. If an insurance policy is issued online at the Uralsib insurance company, it begins to operate within 5 days after payment.
What to do if an insured event occurs?
The first thing to do is to quickly inform the insurance company about what happened, and no later than the period specified by the insurer in the contract.
To receive insurance payments, you must provide the policyholder's passport, insurance policy, insurance contract, receipt of payment for the insurance policy, documents from the competent authorities confirming the occurrence of the insured event.
Now you know how to protect your home from trouble and save your money. This is especially true if you are often absent from home, rent or rent an apartment, just made repairs and bought new furniture and appliances.
The main thing is to choose the right insurance company (you should pay attention to how long the company has been operating on the market, ratings and reviews) and carefully consider the drafting of the contract (study the insurance rules in this company, the terms of insurance, specify the necessary risks and insurance payments), because a correctly and accurately drawn up contract will allow you to quickly and easily receive an insurance payment.
If you need help with obtaining an insurance policy, please contact us.
Property insurance of civilians is carried out by providing protection against the risks of loss or damage to objects of material rights. What features these types of contracts have, their types and the procedure for registration, when compensation is due, is detailed in the publication.
Peculiarities
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The following main characteristics of this insurance package of services are distinguished:
- the subject of property insurance for citizens are non-personal rights, the protection of which is expected upon the occurrence of certain risks, the list of which is selected independently by the insured. The beneficiary, who does not necessarily act as the policyholder under the contract, receives compensation in the event of their occurrence and loss or damage to property;
- insurance of this type is not related to the personal rights of the insured, the object is a property interest associated with the realization of the right of ownership in relation to certain items included in the insurance policy;
- insurance is carried out on a voluntary basis, however, in relation to, for example, a mortgage, it is indicated that the conclusion of an agreement is made only with the obligatory acquisition of an insurance policy in relation to coverage of losses in relation to property rights;
- it is possible, on the basis of this package of insurance services, to cover risks associated only with objects that are owned by the insured and are associated with the direct realization of the right to use, own and dispose of certain things;
- multiple insurance of property from several insurers at the same time in relation to one object of rights is allowed;
- to issue a package of services, it is necessary to provide proof of ownership of property on the right of ownership - title documents.
Under insurance contracts, compensation is possible only within the value of the property specified in the policy. For this purpose, a real assessment of the price of the object of property rights is first carried out.
To determine the value of a complete property, for example, a land plot with a house built on it, a separate assessment of the structure is carried out, then the allotment.
Kinds
There are such insurance products as:
Insurance policies also differ in the risks they cover. .
The cost of the following types of property is subject to compensation:
- apartments;
- a house with land plots located under them;
- vehicles;
- household items;
- valuables - expensive jewelry, etc.
In principle, any valuable property can be included in the insurance contract, including:
- collections;
- furnishings;
- expensive jewelry and other luxury items.
The type of insurance and its cost are determined by the following factors:
- the type of property in respect of which the policy is concluded and its features;
- assessment of the value of the object in respect of which risk compensation has been established;
- risk category;
- term of the contract with the insurance company.
According to the last sign, insurance is distinguished:
Registration of property insurance of individuals
Separate insurance policies are issued for the house and the land under it. This is due to the fact that real estate objects are subject to different risks. So the land plot can be destroyed as a result of natural disasters, but not illegal actions of third parties.
Covered risks:
- partial loss of property;
- damage to the object of property rights;
- destruction or complete destruction of property or objects.
Of interest is the compensation of risks associated with the illegal actions of third parties. Liability insurance will help to avoid problems with causing harm both intentionally and through negligence by the owners of neighboring apartments or land plots, other real estate or Vehicle.
Typically, insurance policies are issued for up to 1 year. The right to renew is prescribed - it occurs on an automatic basis when insurance fees are paid for the following periods.
Often the maximum validity period is 3 years, this is due to the fact that the value of the property is constantly growing and the amount of compensation often becomes inadequate to the real assessment of damage. To conclude a new contract, a new examination is carried out or the value of the property is determined independently by the insurer without contacting specialized organizations.
Required documents
To obtain an insurance policy, the following documents must be submitted to the insurer:
- identity card of the insured and the beneficiary, if one is appointed under the contract;
- a loan agreement or the consent of the bank to issue a car loan to insure the risks associated with these objects;
- title documents for property - receipts, checks for movable property, technical passport for a vehicle, extract from the USRN for real estate;
- certificate or opinion of the appraiser on the value of the insured object - in the absence of it, it is established by the insurance company, however, in relation to the mortgage, it is obligatory to conduct an assessment by independent specialists;
- when insuring a residential building, documentation is required for the land plot, it is desirable that ownership be registered on it, and not the right of perpetual or inherited possession on the basis of the previous law, a cadastral plan is also required with marks of the buildings that are on the allotment, including a residential building and outbuildings ;
- also in case of disputes with the owners of neighboring lands, it is necessary to provide a boundary plan with an act on the settlement of issues of redistribution of borders.
Additionally, the insurer may request other documents. If the apartment is rented, then you will need to provide an agreement on the establishment of such civil relations with certain persons. If the premises are encumbered, the cost of the insurance policy increases due to the presence of circumstances that may cause damage to property.
In what cases can you receive compensation?
It is supposed to pay insurance compensation in cases of unforeseen circumstances, such as:
- fire;
- collapse of the whole or parts of aircraft;
- collision with and damage to the structure by an object or vehicle, other equipment;
- causing damage to property by illegal actions of third parties, committed both intentionally and through negligence;
- explosion, collapse of structures of nearby buildings;
- damage as a result of a natural disaster;
- bay, for example, with faulty sanitary equipment in the apartment above;
- regarding pets.
It is the responsibility of the insurer to provide timely notification of the incident. Failure to comply with the form and notice period may result in the refusal of a refund. The conditions are described in detail in the rules that are issued upon transfer of the insurance policy to the insured.
You should carefully read them, get a document form, on the basis of which a warning about the occurrence of the risks provided for by the insurance contract is carried out. Usually, this is allocated from 1 to 3-4 days, depending on the terms of the contract.
The application for payment should also describe in detail under what circumstances the incident occurred. It is important to verify the documents, take photos and videos from the scene, whether it is an emergency with a car or flooding of an apartment due to the fault of neighbors from the top floor.
Based on the results of the application, an act is drawn up on the occurrence of an insured event indicating the cost of damage. If the parties disagree with its size, an independent assessment is made when paying for the services of an independent organization by an interested person.
At the initial stage, the assessment is made approximately on the basis of data on similar items on the free market and a possible assessment of the damage caused to them.
If the damage is covered by the insurance policy, then this information is indicated in the act. The insurance company certifies the document and makes a payment to the details specified by the insured or the beneficiary within the terms established by the contract. If there are no payments or if the insurer does not recognize the obligation to make payments, the case is resolved in a claim, and in the absence of a result - in court.
To receive compensation, the insurer is provided with:
- insurance policy with a contract;
- receipt for payment of insurance premiums;
- an act confirming the occurrence of an insured event, if the risks are specified in the policy and are subject to compensation;
- substantiation of the cost of the damages caused - the conclusion of an expert who has the appropriate state accreditation and permission to perform these works, or other papers.
These rules are universal and also apply to third party liability insurance of vehicle drivers under the OSAGO service package. Also, all of these actions are performed with participation in the program. voluntary insurance for owners of CASCO cars with the provision of material compensation for additional risks.
Insurance of material assets and property owned by citizens is one of the most popular types of insurance. The main form of property insurance is voluntary insurance. Sub Category compulsory insurance only a limited number of positions are included.
Benefits of property insurance for individuals
Compared to Western countries and highly developed countries of the eastern region, the segment of property insurance is still underdeveloped in the Russian Federation. However, practice recent years shows that insuring material assets, especially against natural disasters, and receiving insurance payments can be of great help to victims.
There are a number of regions with increased seismic hazard, where earthquakes or avalanches are considered a common occurrence. These areas have their own insurance policies.
serious climate change show that there are practically no regions where you can feel safe. Fires and hurricanes destroy houses and property of citizens for huge sums. The country also has a high level of property crimes, which tends to increase, as the number of wealthy citizens has grown. Insurance of material assets allows, if not completely, then partially to compensate for the damage caused to citizens as a result of illegal actions.
Types of real estate insurance
The list of insurance risks against which you can insure your movable and immovable property is quite large, but the priority ones are the following:
- fire risks;
- natural element;
- emergency technogenic situations;
- actions of third parties.
The most common of the fire risks are fires, which can destroy all private property in a matter of minutes. Much less often, lightning strikes occur that do not lead to a fire, but can severely damage property, such as a car. Technogenic disasters of a large scale happen quite rarely, and technogenic accidents, especially in multi-storey residential buildings, occur almost constantly. The most common phenomenon is the flow of water from neighbors, as a result of which the interior of the room, household appliances and furniture can be severely damaged.
A common is insurance against loss and damage to property as a result of illegal actions of third parties.
Read about the types of voluntary property insurance.
Deliberate damage or destruction of the insured property by the owner himself, in order to receive insurance payment, falls under the provisions of the articles of the Criminal Code.
Also, cases that occurred for the following reasons are not subject to insurance compensation:
- negligence of the insured;
- spontaneous combustion;
- deterioration of the properties of the insurance object;
- damage to the object for other reasons.
Persons who have insured their property do not always understand the reasons for the denial of insurance payments in the cases listed, so many issues have to be resolved in court.
What falls under the mandatory
There is no concept of compulsory property insurance in the legislation of the Russian Federation individuals. But there is the term "imputed insurance", which is. Thus, banks minimize their risks in case of force majeure. Some banks may require you to additionally insure your life and performance. Refusal of such insurance does not entail refusal of mortgage lending, but, as a rule, the interest rate on the loan increases by 0.5-1.5%.
Read about mortgage property insurance.
Until recently, the principle of comprehensive insurance was in effect, which imposed serious financial obligations on the borrower, but Rospotrebnadzor came to the conclusion that such insurance violates consumer rights and does not comply with the Mortgage Law. Today, the recipient of a mortgage loan is only required to insure the collateral, that is, directly to the property.
When insuring real estate, losses that occurred as a result of defects made during the construction of the building or errors of designers are not subject to compensation.
Rules for concluding an insurance contract for personal property of a citizen of the Russian Federation
Price
The sum insured cannot exceed the real value of the property. The amount of the insured's contributions depends on the value of material assets. When evaluating works of art and antiques, independent experts may be involved.
Obtaining insurance compensation and compensation for damage
In order to receive payment upon the occurrence of an insured event, the policyholder must perform certain actions. It is necessary to notify the insurer of the occurrence of this event within the time specified in the contract. If this item is missing, then you should focus on a period of 72 hours. Prepare and provide all information about the damage caused. It is necessary to provide the insurer with all the necessary assistance in considering the insured event and assist in obtaining the necessary documents. Independently take measures to reduce damage from the occurrence of an insured event.
After all the necessary checks, an act is drawn up on the occurrence of the event specified in the contract, and the policyholder can receive compensation.
What can be insured
In case of voluntary insurance of real estate, the following categories of insurance objects are considered:
- buildings;
- structures;
- construction projects in progress;
- premises;
- land;
- home property.
Buildings are buildings intended for permanent or temporary residence, as well as buildings for household purposes. Such buildings must have a foundation, walls, roof, windows and doors. You can insure partition walls, exterior and interior finishes, utilities or the entire building. Facilities include swimming pools, gazebos, sports structures and objects of religious worship.
Incomplete objects must be missing any structural elements. It can be walls, floors, roofs or plumbing fixtures. Design and finishing works, glazing, flooring and interior equipment are considered as objects of insurance in the premises.
The land plot owned by the insured is subject to insurance only together with the elements landscape design, If there are any. These include storm and drainage systems, plant watering devices, flower beds, lawns, fountains and other elements of land design made by man.
home property
Home property is the most extensive category of insurance objects. In accordance with the law on insurance, material assets owned by the insured are considered in three different groups:
- furniture and furnishings;
- household appliances, tools and gardening equipment;
- leather goods, furs, precious stones and metals.
The first group also includes carpets and lighting fixtures. The second group includes all electrical and electronic household appliances with the exception of mobile communications. The third group includes not only modern jewelry, but also antiques, private collections and works of art. This is the most difficult insurance category due to the accuracy of the expert assessment of the cost of unique items, so not all insurance companies work in this segment.
Video
The purpose of any insurance is to protect the personal and property interests of legal entities and individuals. At the same time, property insurance guarantees the protection of citizens and companies from all risks of causing damage to their property. In the absence of direct instructions in the law to the need to insure property objects, the right to insure property remains at the discretion of the owner. In this article, we will consider what is the insurance of property of individuals, what property can be insured and what is not; we will describe the standard list of covered risks and analyze the comparative cost of insurance policies for individuals in the leading insurance companies in Russia.
What risks are covered?
Property insurance of individuals is one of the types of insurance, the object of which is a certain property interest. It is legally approved that the insured (beneficiary) can only be a person who has a personal interest in the safety of property, otherwise such an agreement may be declared invalid. When purchasing a policy, each client can secure their property in accordance with existing threats:
- Risk of fire (fires, arson, lightning strikes, short circuits, etc.);
- Damage to property by water (consequences of extinguishing a fire, flooding by neighbors, the result of a natural disaster, etc.);
- Theft, embezzlement, robbery, burglary and other illegal actions of third parties;
- Attacks, military operations, military field exercises and so on.
Thus, in the event of any of the above incidents, the insured has the right to receive compensation in accordance with the previously concluded agreement. And despite the fact that the culture of property insurance in Russia has not reached the level of countries such as Japan, Korea, the United States, property insurance for individuals, according to statistics, occupies one of the leading places in terms of market share. So, in 2016, the volume of fees increased by 9%, and in 2017 - by 5% (according to the review of the insurance market in Russia by the audit company KPMG).
What are the features of the service?
Property insurance in Russian Federation appeared earlier than other types, since the objects of property constitute a special material value for any individual. Features of personal property insurance include:
- Double property insurance. In this case, the policyholder may insure the risks for the same property interest (object) in several companies. Payment upon the occurrence of an insured event will be made jointly and severally by all companies based on the share of the premium received. The client must remember to notify all companies that his property is already insured. Otherwise, such actions may be regarded as fraudulent;
- Insurance against damage to property of third parties, for example, when a neighbor's apartment is flooded, a fire in which the property of third parties is damaged. Liability insurance for damage can be enshrined at the legislative level, for example, if it is the responsibility of the owner of a source of increased danger (OSAGO), the developer's liability to equity holders, the civil liability of the owner dangerous object etc;
- Terms of insurance. The client's property can be insured for any period without restrictions, even for a week. Such short-term insurance may be needed by citizens traveling on vacation, a long business trip to another city or country.
Voluntary property insurance covers not only large real estate, but also luxury goods, furniture, household appliances. The apartment can be insured for windows and doors (for example, against burglary), structural elements, engineering communications, and so on. Big list services are offered by larger insurance companies that have been operating in the insurance market for a long time.
What is the object and what risks are covered?
The list of risks that insurance companies can offer protection against is as diverse as the list of insurance objects. Turning to the company, the client can count on insurance of any property belonging to him by right of ownership:
- Real estate (apartment, room, house, dacha, cottage, land, buildings, buildings, monuments, etc.);
- Movable property (motorcycle, bicycle, car, furniture, appliances, etc.);
- Animals (birds, livestock, etc.);
- Securities, bank deposits, cells, cash cash etc.
When concluding a contract, the client must be aware that in the event of an insured event, he has the right to count on compensation for the risks that must be specified in the contract, for example, damage to property, partial loss of property, total loss or destruction of property. If the property is insured only against damage and its partial loss, then in case of complete loss, the policyholder will not receive compensation under the insurance contract. Thus, the more risks the insurance policy contains, the more reliably the property of the insured is protected.
Comparison of current offers on the market
Almost every company on the Russian market offers to insure property against all possible risks. Coverage of damages up to 3 million rubles is considered standard. Insurance rates are affected by the reliability of the company, the region of insurance and the object of insurable interest itself. A comparative table will help you understand the pricing policy of the proposed insurance products. To calculate the cost of the policy, a standard two-room apartment in Moscow was taken, insurance was calculated with the same amount of the insurance limit.
Table - Proposals for property insurance from Russian insurance companies in 2018
| The name of the company |
Cost per year, rub. |
Risks covered by the program |
Objects of insurance |
|---|---|---|---|
| Rosgosstrakh |
From 4890 |
|
|
| RESO-Garantia |
From 4400 |
|
|
| Ingosstrakh |
From 3370 |
|
|
| VTB Insurance |
From 6900 |
|
|
| MAX |
5000
|
|
|
