The Resogarant company appeared on the insurance services market in 1991. It was then that the boom in the creation of private companies began, because the USSR with its state-owned economy was actually disintegrating and new forms of management were emerging.
About company
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The company has been constantly developing and expanding the range of services provided for legal and individuals. Today, the company with a 26-year history of success is considered one of the most stable in Russia. during its existence has turned into an international corporation: Insurance companies presented in Belarus, Armenia and Kazakhstan.
The range of services provided is extremely wide (more than 100 products).
The main areas of insurance activity are as follows:
- insurance of property of FL and LE;
- insurance of tourists going on a long journey;
- health insurance;
- CASCO and OSAGO for all Russian motorists;
- life and health insurance.
The company has repeatedly become a laureate of Russian recognition awards among insurance companies, received other prizes for merit and good offers for customers. The reputation of IC "Reso" is impeccable, because there have never been any delays in paying out insurance claims to customers.
Products
The company "Reso" is mainly engaged in insurance of real estate of citizens of the Russian Federation. Let's take a closer look at how cottages and houses are insured.
The list of insured events, which are provided for by the norms of insurance contracts of the company, includes:
- emergency situations (lightning strike, domestic gas explosion);
- fire;
- natural disasters;
- flooding, the consequences of showers;
- illegal actions of third parties, robbery, burglary;
- consequences of an accident.
There are several options for insuring houses and cottages (depending on the list of insurance risks, the consequences of which are compensated by insurers):
In the aspect of home and dacha insurance, the company has developed several software products. Among them is the Resodom insurance policy.
Under this program, you can insure:
- cottages, garden houses;
- cottages outside the city;
- fences;
- utility rooms in the yard;
- bath rooms;
- fences and fences.
- select a risk package (for example, No. 3);
- note (or not) the possibility of insurance against terrorist acts;
- we prescribe the name of the region in which the property is located (for example, the Kemerovo region);
- indicate the objects of insurance (the main building with an estimated value of 100,000 rubles, outbuildings with an estimated value of 15,000 rubles);
- we prescribe the features of the house and living conditions (we put marks. Let's say the client wants to insure a brick house);
- set the deductible amount (optional).
The sum insured will be approximately 483 rubles.
It is also possible to issue a product called "Policy without inspection". What is its essence? To obtain insurance, there is no need to visit the Reso insurance agent at the location of the property.
Other benefits of insurance are:
- it is possible to issue protection for three buildings located at the same address. It is important to bear in mind that the cost of each building cannot exceed 1,000,000 rubles;
- the validity of the policy will begin 7 days after the issuance of the document;
- the insurance company will skip the execution of the contract only after providing 2 photos;
- it is possible to take out insurance at home via the Internet without visiting the office of the company.
For apartment insurance, the company offers to issue an insurance policy "Domovoy" (there are 4 types).
You can insure the following:
- apartment designs;
- finishing;
- engineering and technical equipment and movable property located inside the insured real estate;
- health and life of persons who live in the apartment;
- civil liability to neighbors for harm caused to them.
The company offers powerful protection against such risks:
- man-made accidents;
- natural disasters;
- actions of third parties with the aim of causing damage to the structures or property of the owners;
- falling objects or running over Vehicle(let's say the apartment is located on the first floor near the roadway).
Now let's take a closer look at the conditions of each of the packages, because there are differences among them.
So, the program "Brownie Preferential" provides an opportunity to insure:
- apartment structures with an area of not more than 100 square meters with coatings up to 1,500,000 rubles;
- decoration and interior doors for no more than 300,000 rubles;
- property of the owners and technical systems of the apartment (up to 300,000 rubles);
- civil liability to neighbours.
The amount of the insurance premium will be 3,000 rubles per year.
The House Economy package provides for the possibility of insuring the same items, but there are some differences:
- the amount of insurance coverage for apartment structures has been increased to 2,100,000 (outside Moscow) and 3,000,000 rubles;
- the insurance limit for trim elements has been increased to 450,000 Russian rubles;
- the cost of the policy will be 4500 or 6000 rubles.
The Domovoy Express policy offers the company's customers a choice of design options and, accordingly, coverage amounts.
The first option has the option:
- to insure the construction of an apartment with an area of up to 120 square meters with a coverage of up to 7,000,000 rubles;
- finishing elements in the amount of up to 700,000 rubles;
- technical systems and property of citizens with guaranteed coverage up to 600,000 Russian money;
- liability to neighbors is covered up to 1,200,000 rubles.
The price of this insurance option is 9800 rubles.
In the second option, slightly reduced amounts are provided. insurance coverage risks:
- no more than 5,000,000 (structures);
- up to 500,000 (finishing, doors);
- maximum 450,000 in case of damage to the property and technical systems of the apartment;
- civil liability is insured for up to 600,000 rubles.
The Reso company offers the most favorable conditions to its customers as part of the Domovoy Premium service package.
Again, the client can choose one of two interesting options for receiving insurance compensation. Option #1 is:
- insurance of structures without limiting the area with compensation up to 15,000,000 rubles;
- risk insurance for finishing surfaces with damage coverage up to 2,000,000;
- protection of technical systems and property (movable) of the residents of the apartment in the amount of up to 1,500,000;
- insurance civil liability in front of neighbors on the floor and from below with coverage up to 3,000,000 rubles.
The cost of such a policy is 35,000 rubles per year.
Option No. 2 provides for the protection of the same elements of the apartment and the payment of civil liability with the following reservations:
- the area of insured structures cannot exceed 150 square meters, and the amount of coverage is 10,000,000;
- the maximum compensation for damage caused to the finish cannot be more than 1,200,000;
- liability to neighbors is covered by a maximum amount of 1,700,000;
- if something happened to the property or technical systems of the apartment, the owner will receive a maximum of 1,000,000 as compensation.
The cost of acquiring such a policy is 27,000 rubles.
rules
It is impossible to list all the insurance rules within the framework of a small article. We note just a few of them:
- The list of insured risks is stipulated in the insurance contract and is exhaustive, therefore, the insured does not have the right to claim compensation for any other reasons.
- The validity period of any policy is 1 year.
- The company issues insurance for objects located exclusively on the territory of the Russian Federation.
- The contract is concluded only if all necessary documents are provided.
- The territory of a particular policy is specified in the contract.
- Insurance contract loses legal force in such cases:
- full fulfillment of obligations;
- expiration of its validity;
- liquidation of an insurance company;
- death of the person who insured the property;
- by mutual desire;
- in case of recognition of the invalidity of the contract;
- The maximum amounts of insurance compensation for specific objects established in the text of the contract are conditional. The amount of specific compensation is set based on the severity of the damage and the destructiveness of the consequences of the incident in the apartment.
How to apply for real estate insurance for individuals in RESO
To draw up an insurance contract, you must:
- contact the office of the company;
- Submit an application for an insurance policy online.
Further actions can develop as follows:
- the policy will be issued automatically after providing 2 photos of the object by e-mail (private home insurance program "Policy without inspection") and sent to the specified postal address after the payment of the insurance premium is received on the company's settlement account;
- an insurance inspector will leave for the specified address of the object to assess the property.
After completion of the appraisal actions, the insured will have to prepare a package of documents and visit the company's office to sign the contract and receive the policy.
Required documents
To conclude an insurance contract, you will need:
- compose, which is located on the object;
- to write an application;
- compile a list of property that is insured, indicating the main specifications every detail and cost;
- provide documents confirming the ownership of the apartment and property (an exchange agreement or, a certificate of the right to inheritance, a social tenancy agreement, contracts, acts or invoices for the acquisition of property (if any));
- provide a floor plan and other technical documents for the apartment (house);
- passport and identification code of the insured;
- a certificate with a list of people living in the apartment.
I'll start with the cons:
1. Inconvenient working hours of the department, from 10.00 to 17.00. At least a couple of days before 20.00. Because after a fire, you (the victim) are already jumping with the Ministry of Emergencies, repairmen, papers, etc., and then you still need to ask for leave from the insurance company.
2. Damage assessment takes 3 weeks. Correction of the report if necessary 2 weeks. These are the deadlines set by the contractor (appraisers). Approval 1-2 weeks. Here it is necessary to refine the system, because in the event of a fire in an apartment, most often people have nowhere to live. That is, a fire is still not a broken car and not a burned-out cottage. I would recommend all the same to allocate these cases separately.
3. Binding to paper workflow. Anyway, you make copies of documents, just scan them. Why is it mandatory to require them to be brought in paper form, if you can send them by e-mail and record their receipt? If you need to check their authenticity, you can simply call, make a request to the Ministry of Emergency Situations, all tel. in certificates / resolutions are indicated.
4. There is no assessment of household appliances. That is, it is not considered basic, only with a separate conclusion. I would recommend that you immediately turn on this expertise or immediately send a person to a specific place where they would do everything at once. Because getting the right conclusions is a whole problem, because your refrigerator and computer, etc., may suffer, and it’s simply not realistic to look for 100 services for all these positions + there may simply not be initial money for this assessment!
1. The policy costs reasonable money. Tip (always describe the property). Adequate step of reimbursement limits.
2. Employees are adequate, polite, always answer, including by e-mail. Advice (try to control the progress of the case, call write). The quality control department also responds promptly.
3. React to comments on the evaluation report. Not all of course, but a compromise can be found.
4. The assessment is quite adequate.
5. The amount has been paid! Paid almost in accordance with the report, 5000 less, did not understand the reason. The amount covers approximately 70% of the actual costs incurred.
Believe me it's very good!!!
6. No need to sue the culprit. Although the remaining 30% can be knocked out if you have documented everything.
1. Don't expect the issue to be resolved quickly. The Ministry of Emergency Situations does not prepare documents quickly.
2. Don't leave until the appraiser arrives!
3. Immediately write a statement about insured event no matter what time you arrive.
4. For all services after the fire, require receipts / contracts.
5. Do not wait for payment, take a loan for repairs.
6. Do your due diligence. It can be useful!
7. Watch out!!! what would be in the documents from the Ministry of Emergencies, if you are EXACTLY not to blame, it was clearly clear that it was not your actions that led to the fire. Because anything can be inaccurate wording, etc.
There is room for improvement in the quality of service.
- The company fulfills its obligations.
- The payment is adequate, but do not expect everything to be like in a movie - "everything will be covered by insurance." And this is much better than going to court and knocking money out of a neighbor, for example! The insurance company will most likely take care of it.
- Recommend. I will renew the policy taking into account the gained experience)!
P.S.
Very good employees work in the Ministry of Emergency Situations of our district - Komendantsky Prospekt, 32k4! Although everything goes on for a long time (there is a lot of work there, but few people), but people understand!
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RESO GUARANTEE
Property insurance in RESO GUARANTEE on the best terms!How much does it cost to insure an apartment in RESO Guarantee?
Economy - the cost is 6,000 rubles.
Sums insured:
Constructive 3,000,000 rubles.
Finishing 450,000 rubles.
Movable property 300,000 rubles.
Civil liability 300,000 rubles.
Express - the cost is 7,500 rubles.
(with a franchise of 5,000 rubles - the cost is 6,000 rubles)
Sums insured:
Constructive 5,000,000 rubles.
Finishing 500,000 rubles.
Movable property 450,000 rubles.
Civil liability 600,000 rubles.
Express 1 - cost 9,800 rubles.
(with a franchise of 5,000 rubles - the cost is 7,800 rubles)
Sums insured:
Constructive 7,000,000 rubles.
Finishing 700,000 rubles.
Movable property 600,000 rubles.
Civil liability 1,200,000 rubles.
Premium - cost 17,000 rubles.
(with a franchise of 7,000 rubles - the cost is 12,800 rubles)
Sums insured:
Constructive 10,000,000 rubles.
Finishing 1,200,000 rubles.
Movable property RUB 1,000,000
Civil liability 1,700,000 rubles.
Premium 1 - cost 35,000 rubles.
(with a franchise of 10,000 rubles - the cost is 27,000 rubles)
Sums insured:
Constructive 15,000,000 rubles.
Finishing 2,000,000 rubles.
Movable property RUB 1,500,000
Civil liability 3,000,000 rubles.
Objects of insurance
Apartment construction- structural elements of the building (walls, ceilings), window and door structures, pipelines of various systems.
Finishing– covering walls, ceilings, floors, interior doors, built-in furniture.
Technical equipment– heating systems, floor heating, water supply, sewerage, gas supply, surveillance and security systems, ventilation, plumbing equipment, etc.
Movable property- furniture, interior items, audio and video equipment, electronics, household appliances, musical instruments, clothes, dishes, tools, household items, etc.
Civil responsibility- liability for causing harm to life, health or damage to property of third parties.
RESO-Garantia offers the best apartment insurance option - for a full package of risks, including:
Fire, lightning strike, gas explosion;
damage to property by water or steam due to accidents of various systems or flooding with liquid from other residential premises;
natural disasters;
burglary, robbery;
unlawful actions of third parties - hooliganism, vandalism, deliberate destruction and damage to property;
collisions, impact - collisions with vehicles, collisions with animals, falling trees and other objects, falling aircraft and their parts, impacts of sound waves;
And an additional risk: terrorism, sabotage - the commission of an explosion, arson or other actions in order to violate public safety
Fill out the form, our specialist will contact you, advise on the real estate insurance program, make an individual calculation of apartment insurance.
Apartment insurance in RESO Guarantee
RESO-Garantiya insurance company has been carrying out insurance activities for over 25 years and is one of the leaders in the Russian insurance market. The company offers clients programs property insurance for reliable protection of real estate from robbery, fire, flooding and other unforeseen incidents.
Advantages of property insurance in RESO-Garantia
According to the results of 2015, the company took the 3rd place among Russian insurance organizations in the property insurance segment, having collected 3,163,807 thousand rubles. premiums and paid 584,296 thousand rubles. for insured events.
The authorized capital of IC "RESO-Garantiya" is 10.85 billion rubles, and the reliability rating of the company is estimated by the "Expert RA" agency as exceptionally high "A ++" with a stable outlook. The insurance obligations of the company in terms of payments are guaranteed by the reinsurance companies Munich Re, Hannover Re, Gen Re, SCOR, Partner Re. The RESO-Garantia client base is over 10 million individuals and legal entities.
Other advantages of insurance in IC "RESO-Garantia" include:
- the ability to insure a wide range of objects - apartments, houses, cottages, fences, swimming pools, greenhouses, technical equipment;
- payment of an insurance policy in installments;
- payment of insurance compensation within 15 days.
Insurance risks covered by the policy
All property insurance programs from RESO-Garantia guarantee compensation for losses associated with the following insured events:
- fire, gas explosion, lightning strike;
- water damage;
- natural disasters (earthquake, flood, flood, hurricane, storm, tsunami, tornado, rockfall, landslide, avalanche, hail, mudflow);
- robbery, burglary;
- damage associated with illegal actions of third parties;
- collision with foreign objects;
- terrorism.
Types of property insurance programs
IC "RESO-Garantia" offers several programs of real estate insurance, differing in the objects of insurance. The list of insurance risks is identical for all programs.
"RESO-house"
This program was created to insure suburban property and provides for insurance of such objects as:
- cottage, dacha;
- interior decoration;
- movable property;
- fencing, fences;
- landscape structures.
"Policy without inspection"
The insurance product is designed to insure any out-of-town buildings worth up to 1 million rubles. To conclude a contract, a preliminary inspection of the property by a representative of the company is not required.
"Brownie"
This program is designed to insure an apartment, namely its structural elements such as:
- walls, windows, doors, pipelines;
- covering walls, floors, ceilings;
- Built in furniture;
- heating, ventilation, sewerage, gas and water supply, surveillance and security systems;
- movable property (interior items, furniture, electronics, equipment, household appliances, dishes, tools, clothes).
In addition to the listed objects of insurance, the program provides for life and health insurance of apartment residents against accidents, as well as civil liability insurance. Registration of the insurance program "Brownie" is possible in four options, depending on the selected amount of insurance coverage - "Economy", "Preferential", "Express", "Premium".
The cost of property insurance programs
The table below provides indicative data on the cost of property insurance from RESO-Garantia in Moscow as of 2017.
| The name of the program |
Insured risks |
The amount of insurance coverage, rub. |
Cost of insurance, rub./year |
| "RESO-house" |
fire, gas explosion, lightning strike; water damage; natural disasters; robbery, burglary; damage associated with illegal actions of third parties; collision with foreign objects; terrorism. |
house - 6,500,000; movement property - 500,000; bath - 800,000; garage - 300,000; fence - 150,000. |
30 520
|
| "Policy without inspection" |
house - 500,000; movement property - 50,000; bath - 250,000; hozblok - 50,000. |
6 480
|
|
| "Domovoy-Preferential" |
apartment design - 1,500,000; finishing - 300,000; movement property - 300,000; |
3 000
|
|
| "Domovoy-Economy" |
apartment construction - 3,000,000; finishing - 450,000; movement property - 300,000; civil liability - 300,000. |
6 000
|
|
| "Domovoy-Express" |
apartment construction - 7,000,000; finishing - 700,000; movement property - 600,000; civil liability - 1,200,000. |
9 800
|
|
| "Domovoy-Premium" |
apartment construction - 10,000,000; finishing - 1,200,000; movement property - 1,000,000; civil liability - 1,700,000. |
17 000
|
