Insurance of property of individuals: features and rules. Mandatory property insurance, personal and voluntary - movable and immovable property of individuals, ways to insure apartments of individuals

The object is a personal property: structural structures (apartment, house, garage, economic construction dr.), Movable property inside these buildings, finishing and technical equipment, valuable movable property, objects of unfinished buildings. The contract is prescribed the amount within which the insurer reimburses material damage to the beneficiary when an insured event occurs. You can protect yourself from the risk of loss of property rights, from responsibility to third parties, from damage and damage to property.

Common types of property insurance of individuals:

Damage to fire. The insured event is recognized in a fire, explosion, including household gas, lightning strike, fire due to the ignition of the household appliance from the voltage difference, etc.
Damage to water. The leakage due to problems in the heating system, sewage and water supply, water from technical and neighboring premises, flooding, as a result of accidents on hydraulic structures.
Disaster. Damage or loss of property as a result of earthquake, landslide, storm, hurricane, flood, flooding, etc. Other dangerous natural phenomena (snowfall, shower, degrees, etc.), which are recognized as extreme or atypical.
Unlawful actions of third parties. Theft, robbery, robbery, arson, vandalism, hooliganism, mass riots.
Mechanical damage. The fall in pillars, trees, lighting supports, construction cranes, manned and unmanned aerial vehicles, damage to the bounced object, for example, gravel from under the vehicle wheels, the fall of astronomical objects, the vehicle hitting.
Civil responsibility. Allows you to protect material losses in case of damage to the property of third parties, their lives or health. That is, it will be useful when a random flooding of neighbors or fire is your fault. In addition, some companies take on the settlement of conflicts, negotiations with the affected party, which greatly facilitates the life of the insured.

This list of insurance companies may differ or have certain exceptions, reservations in which damage compensation is not provided, therefore, the insurance contract should be carefully studied.

You can always add additional risks, such as: short circuit, glass products, animal action, structural defects, terrorist attack, etc.

Objects property insurance Property, repair and construction, cash cash, deposits, art objects, furniture, household appliances, consumer electronics, equipment - segment incredibly wide. Among the most sought-after risks are the loss, theft, intentional damage, damage. Insure the property, which is stored in the room in emergency condition. Refuse to work with faulty technique / equipment or external damage items. To start cooperation, the insured must confirm the ownership of the thing.

You can insure anything: from a large amount of money to room canary

The main thing about real estate insurance

You can insure as an urban apartment (structural elements, engineering equipment, interior decoration, movable property and civil liability) and country house: cottage, garage, bath, fence, land plot and landscape design. In the property insurance contract individuals You can include a variety of risks: Fire, water damage from water supply or sewage, natural disasters, explosion, including household gas, theft, robbery, hooliganism, natural disasters, including earthquake, if the property is located in the seismological zone.

The full package will cost more than separate risks. Tariffs are democratic: do not exceed, as a rule, 0.15% of the insurance value. The period of action of the policy selects the client, it can be several days, for example, if you are afraid of your property during vacation or travel, up to 12 months. The conclusion of the contract is preceded by the assessment market value and real estate condition.

There are many requirements for insured real estate, including its location

In which cases you need title insurance

When performing real estate transactions, there is a risk of loss of property rights, because to track the history of the object and make sure that it is "clean", difficult. Concluding the title insurance contract, which in obligatory We demand banks before issuing a mortgage, the buyer will be able to secure himself.

Upon the occurrence of the insured event - the loss of ownership or restrictions in possession - losses are reimbursed in the amount of actual market value. Before selling such a policy, employees of the insurance company will carefully check the house or apartment for "cleanliness" of transactions.

In the primary market, the Insured Tutular Insurance case comes if the developer fraudulently sells one apartment to several persons. On secondary - for example, if one of the owners of the sold real estate stayed in places of imprisonment or during privatization, the interests of a minor family member did not take into account.

Title real estate insurance is relevant if the object has the story of the transactions

Features of mortgage insurance

If under normal conditions insurance not movable property Individuals according to the law it is not necessary, then when lending to banks put forward a requirement to design such a policy. Insured, it is necessary not only an object - an apartment or a house - from loss or damage as a result of physical destruction: emphasis additionally make the health of the borrower, as well as on the title - restriction or termination of ownership.

Insurance amount equal to the value of the loan or increases by 10%. The period of action of the mortgage policy is a similar loan term, with the exception of the title (in the latter case, some banks are limited to three years). Comprehensive insurance for all risks will cost 0.5-1% of the loan amount. Payments are entered once a year, and the size of annual payments decreases along with the debt.

Nuances for interested

Insured subject, whether technique, furniture or cash, I should not leave the place prescribed in the agreement, otherwise the responsibility is annulled.
Specify that it is an object of home insurance of an individual in an apartment: sometimes the contract applies only to walls, gender and ceiling, and communications, finishing and repair - your care!
With a significant wear of the building (60% for wooden and 70% for the stone) in the execution of the policy, most likely, will refuse, as if it comes to the structure to be demolished, overhaul or confiscated.
Weigh the decision on real estate insurance without inspection, since such a policy has limitations on risks, reimbursement limits and features of calculating payments when an insured event occurs.
Preferential tariffswhich is in the line of some insurance, are low payments, but also "no" payments. Such savings will not justify itself.

Even if you do not plan to make a mortgage and the law does not undertake to contact the insurance companies, is it worth being tested by fate? Residents of European states have long chosen this version for themselves. That is why natural disasters, theft or fires for them are not the end of the world, but only an unpleasant stage, to survive which will help compensation from the insurance company.

Insure property, its finish and homemade property from fire, flood, robbery, stealing with burglary. At the same time, you yourself will choose the amount for which you want to insure your property out of three available programs. Having to make sure that your fault may be damaged by the apartment of the neighbors? Property insurance policy (housing) can cover this damage. It is easy to stop the apartment - buy online Polis "Alpharemont" directly on the site. After online payment, the policy will immediately be delivered to your e-mail.

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Protection of liability to neighbors

Insurance programs civil responsibility in front of the neighbors.

According to statistics, flexible hoses breaks about once every 2 years, leaks of household appliances (washing and dishwashers) There are once every 3 years, the batteries can be broken at the first heating season after the end of the repair. All these troubles are damaged not only to the one who has occurred, but also to the neighbors, and pay not only for the restoration of their repair, but also for damage caused to the apartment and the property of neighbors. This is especially true for those who plan to pass or remove housing.

Civil liability insurance "Good neighbors" will help to avoid unforeseen expenses related to damage to neighbors .. Insurance of responsibility to neighbors per year is less than monthly payment For utilities. Paying from 750 to 3000 rubles. per year depending on the amount you want to insure civil liability, you can calmly leave to relax, take your apartment or just go to work, without fear, circumstances that can not only subcont your family budgetbut also harbor with neighbors

Housing Municipal Insurance Program

Preferential Insurance Apartment or Room in communal apartmentlocated in SAO or Moscow CJSC.

Becoming a member of this program, you will no longer need to worry about trimming damage, engineering communications And the walls of your apartment. You will be able to protect your housing without leaving the house by including an insurance premium into a single payment document that comes to you monthly to pay utility bills. Insurance certificate will be sent to you by mail.

Mortgage insurance programs

Comprehensive mortgage insurance

Important feature housing loan - This is a long period of its payment, sometimes reaching 20 years or more. Imagine how much an unforeseen can happen during this time! After that you can not worry about loss of housing in case you will not be able to pay debt to the bank for a while.

Individual insurance apartment or house

If you want to insure a house or insure an apartment on individual conditions, you will be suitable for the insurance program of the Alfaquarter's apartment and the insurance of the Alphaacria at home. It is enough to fill out several fields of form or call around the clock phone 8 800 333 0 999 And our real estate and property insurance specialists will help to choose the most attractive conditions and the cost of insurance.

Title insurance

Insurance of ownership (titular insurance) is the risk insurance of the loss of real estate as a result of the termination of ownership of it in whole or in part. This program protects the owner of real estate from recognizing a transaction for the acquisition of real estate invalid or the requirements of the former owner on the return of property retired from him in addition to his will.

The insurance of civilian property is carried out by ensuring protection against risks of loss or damage to objects of material rights. What features are these types of contracts, their types and procedures for design, when compensation is due, more in publication.

Features

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The following main characteristics of this insurance package are allocated:

the subject of property insurance for citizens is the implicit right, the protection of which is assumed to be on the occurrence of certain risks, the list of which is selected by independently by the insured. It receives compensation in case of their occurrence and loss or damage to the property of a beneficiary who does not necessarily act as an insurer under the contract;
insurance of this type is not related to the personal rights of the insurer, the object acts as a property of interest associated with the implementation of ownership of certain items included in the insurance policy;
insurance on a voluntary basis is carried out, however, in relation to the example of the mortgage, it is indicated that the conclusion of the contract is made only with the obligatory acquisition insurance Polisa. with respect to coverage of losses in relation to property rights;
it is possible on the basis of this package of insurance services, the risks associated only with objects that are owned by the insured and are associated with the immediate implementation of the right to use, possession and disposal of certain things;
multiple property insurance is allowed in several insurers simultaneously with respect to one object of rights;
to design a package of services, it is necessary to provide evidence of property ownership on the right of ownership - the right-expanding documents.

Under insurance contracts, compensation is possible only within the value of the property specified in the Policy. For this purpose, the real estimate of the property of property rights is carried out.

To clarify the cost of a full real estate object, for example, a land plot with the house built on it is a separate assessment of the structure, then put on it.

Views

Allocate such insurance products as:

Insurance policies also differ in risk covered .

Requests the cost of the following types of property:

apartments;
house with land sites under them;
vehicles;
home furnishings;
valuable things - expensive decorations, etc.

In principle, you can include any valuable property in the insurance contract, including:

collections;
objects of the situation;
expensive decorations and other luxury items.

The type of insurance and its value are determined by the following factors:

the type of property in respect of which the policy is and its features;
assessment of the value of the object in respect of which the risk reimbursement is established;
risk category;
term of the contract with an insurance company.

In the last feature, insurance vary:

Registration of insurance of property of individuals

In relation to home and land under it, separate insurance policies are issued. This is due to the fact that different risks are applied to real estate objects. So the plot of land can be destroyed as a result of natural disasters, but not illegal actions of third parties.

Are subject to coating risks:

partial loss of property;
damage to the object of property rights;
death or completely destruction of real estate or items.

Of interest is the reimbursement of risks associated with the illegal actions of third parties. Insurance of responsibility will help to avoid problems with harm both deliberately and the negligence owners of neighboring apartments or land plotsother real estate objects or vehicle.

Usually insurance policies are issued for up to 1 year. It is prescribed by the right of extension - it occurs on an automatic basis when making insurance fees over the next periods.

Often maximum time actions is 3 years, this is due to the fact that the value of the property is constantly growing and the amount of compensation is often inadequate real estimate Damage. To conclude a new contract, a new expertise is conducted or the value of the property is determined by the insurer without contacting specialized organizations.

Required documents

To obtain the insurance policy, it is required to provide the following documents to the insurer:

certificate of the personality of the insured and beneficiary, if appointed under the contract;
credit agreement or the consent of the Bank for the issuance of the Avtoma to carry out insurance of risks associated with these objects;
expanding documents on property - receipts, checks in relation to movable property, technical certificate on the vehicle, an extract from EGRN to real estate;
help or conclusion of the appraiser on the cost of the object being insured - in the absence of an insurance company is established, but with respect to the mortgage, it is necessary to conduct an assessment by independent specialists;
when insuring a residential building, I need documentation for the land plot, it is desirable that the property has been issued, and not the right of perpetual or inherited ownership on the basis of the previously current law, also requires a cadastral plan with buildings that are located on the station, including residential buildings and economic buildings ;
also, in the case of disputes with the owners of neighboring lands, it is necessary to provide a mid-school plan with the act of resolving the issues of redistribution of boundaries.

Additionally, the insurer can request other documents. If the apartment is leased, it will be necessary to provide an agreement on the establishment of such civil relations with certain persons. When accomplishing the room, the cost of the insurance policy increases due to the presence of circumstances that may cause damage to property.

In which cases you can get compensation

It is planned to pay insurance compensation in cases of unforeseen circumstances, such as:

fire;
collapse of fully or parts of aircraft;
hitting and damage to the design by the subject or vehicle, other technique;
causing harm to property by illegal actions of third parties, perfect both intentionally and by negligence;
explosion, collapse of the structures of a nearby buildings;
damage as a result of a natural disaster;
bay, for example, with defective sanitary equipment in the apartment above the floor;
with regard to pets.

The obligations of the insurer include a timely notice of the case. Failure to comply with the form and period of warning can be the cause of refusal to provide compensation. The conditions are described in detail in the rules that are issued when the insurance policy is transferred to the insured.

They should carefully read, obtain the form of a document, on the basis of which a warning is carried out on the occurrence of risks envisaged by the insurance contract. Usually it is distinguished from 1 to 3-4 days, depending on the terms of the contract.

The payment for payment also should describe in detail, under what circumstances occurred. It is important to assure documents, make a photo and video from the scene, be it an emergency with a car or flooding an apartment for the fault of neighbors from the top floor.

According to the results of the application, the act on the occurrence of the insurance case is drawn up indicating the value of damage. In disagreement of the parties with its size independent score When paying services to an independent organization by a stakeholder.

At the initial stage, the assessment is made approximate on the basis of data on similar subjects on the free market and the possible assessment of damage caused to them.

If damage is covered by the insurance policy, then information is specified in the act. The insurance company assures the document and makes the payment for the details specified by the insured or the beneficiary in the terms established by the contract. In the absence of payments or not recognizing the insurer, the obligations for the production of payments is solved in the claim, and in the absence of the result - in judicial order.

To obtain compensation, the insurer is provided:

insurance policy with the contract;
receipt of payment of insurance premiums;
act confirming the occurrence of the insured event, if the risks are indicated in the policy and are subject to compensation;
the substantiation of the cost of damages is the conclusion of an expert with relevant state accreditation and admission to perform these works, or other papers.

These rules are universal and also apply to the insurance of civil liability of vehicle drivers in the OSAGO service package. Also all these actions are manufactured with participation in the program voluntary insurance For the owners of the car CASCO with the provision of material compensation for additional risks.

Property insurance - Protection of property interests of real estate owners, vehicles, works of art, goods, cargo, equipment, investment, with the occurrence of certain events (fire, flooding, man-made catastrophes, theft, natural disasters). Compensation material damage Manufactured at the expense cash fundsFormated from the cash contributions of property owners. Property insurance for individuals is voluntary, for legal, it is often prescribed by law. It implies a complete or proportional damage compensation.

Property insurance contract

The property insurance contract is between the owner and the insurance company. Before making a contract, an assessment of the insurance object is usually made. Insurance amount cannot be more than the valid value of the object at the time of signing the contract. The term of concluding a contract - from one year and more with the annual recalculation of the value of property and the amount of payments. Individuals and legal entities may insure the full or partial cost of the object. Insurance of the same property in different insurers is possible. The total amount of compensation in this case should not exceed the cost of the object.

Insurance of property of legal entities

The legislation provides for the norms of mandatory and voluntary property insurance legal entities. Mandatory insurance is subject to property owned by the state, objects of increased danger, mortgage values, transport acquired in or under the lease agreement. The insurance contract can be issued both on all the property of the complex and on the individual parts of it. Reimbursement of damage to the legal entity is paid only if the company is not guilty of the occurrence of the insurance event. The presence of an insured event must be confirmed documented.

Insurance of property of individuals

Compulsory insurance Property of individuals law is not envisaged, but often the conclusion of such a contract - mandatory requirement banks when issuing, to purchase vehicles. According to statistics, only 3% of individuals in the Russian Federation insure own property. In Europe and the United States, property insurance contracts concludes 90% of the owners. Insurance payments Covered complete value Lost or part of the value of damaged material values. Maximum amount Payments depends on the estimated value of the object, limits, franchises and other factors.

Voluntary property insurance

The voluntary insurance of property implies the conclusion of a contract with the insurer at the initiative of the company - the owner of material values. Legislative actsregulating this type of insurance - the laws of the Russian Federation "On Insurance" of November 27, 1992, "On the organization of insurance in Russian Federation"Dated 10.12.2013. For organizations, voluntary insurance costs, in accordance with the legislation of the Russian Federation, are included in the costs associated with production and implementation as other expenses. Voluntary property insurance is always limited in terms of the terms of the contract.

Mandatory property insurance

Mandatory property insurance is provided for by the legislation of the Russian Federation for legal entities. It provides for legal protection of state, personal, leasing, mortgage, rental property. Damage compensation is provided for all property complex or individual parts. The insurance contract includes a typical list of risks, which in some cases can be supplemented. Property insurance conditions are established in the insurance rules registered in state bodies. The contract must always cover questions:

insurance liability;
insurance assessment and amount;
rules and procedure for compensation for damage.

Property insurance cost

The cost of insurance property is determined by the treaty concluded between the insurer and the insured. It depends on several factors: the estimated value of material values, the degree of their deposit of the list of risks, the amount of the amount of compensation, the values \u200b\u200bof the franchise. The approximate cost of value can be determined by online calculators. The exact value is determined by the appeal of individuals and legal entities in insurance company To conclude a contract. Insurers offer different conditions, a variety of types of insurance policies, of which citizens or companies can choose the optimal corresponding to their goals.

Property insurance rules

The rules for insurance of the property of individuals and legal entities are established by the legislation of the Russian Federation and insurance companies. Often differ for legal entities and individuals. They contain:

general
clarification of the accepted terminology,
the procedure for concluding a contract
insurance objects;
deadlines;
tariffs;
list of damage compensation conditions
types of risks
principles for determining the value of property, franchise, damage and amount of insurance payments,
the procedure for making payments;
responsibility of the parties;
the procedure for resolving disputes and other provisions.

Classification of property insurance

In the insurance business, a classification of property insurance was adopted by categories of clients, types of objects, risk varieties, conditions. These types of insurance are indicated in the license issued by the Insurer to carry out activities. Distinguish such types of property insurance:

voluntary and compulsory;
individuals and legal entities;
transport, buildings (houses, cottages, garages, plots, workshops, objects of unfinished construction), agricultural (plantings, animals, technicians, vehicles), property of citizens, property of organizations.

Property insurance programs and residential premises

Insurance companies are developing various programs Insurance of property and residential premises. Thanks to them, each insured may choose the best conditions for the protection of property interests, damage compensation. The government and municipal authorities are developed by special preferential programs that make insurance accessible to all segments of the population, which increase the attractiveness of this type of service and social security of the population. Financial organizations Develop property insurance programs when mortgage lending, Transfer objects to leasing.

Insurance of real estate objects

Real estate insurance relationships are applied to buildings, premises, buildings, sites, complexes belonging to individuals and legal entities. The owner may insure the entire object or its part. Individuals voluntarily, for legal entities, a compulsory insurance procedure is provided. The amount, conditions and method of compensation depend on the insurance liability system. Insurance amount cannot be higher than the estimated value of the object. The contract provides for a complete or partial reimbursement of damage resulting from the occurrence of the insured event.

Insurance of property of individuals is one of the most popular and popular species among the population. The fact is that by insuring your movable and immovable property from damage or theft, a citizen can no longer worry about the occurrence of an unforeseen case. With any version of the development of events, a person, even losing valuable things, may soon acquire them again to the payment received from the relevant organization. How to insure your property, secure your financial interests, will be told in this article.

Why do you need to insure your property?

Our citizens are accustomed to live with a positive, they do not mind the thoughts about the fire, a flood or other emergencies. How it becomes a shame when all the property in which huge money and forces have been embedded, is completely burning and the recovery is not subject to restoration. But it was possible to insure him and buy a new sum paid by the insurance company.

Of course, it is impossible to foresee everything but insurerene from possible harmful effects or circumstances undergoing a valuable thing - you can. That is why the number of contracts concluded with agents of such organizations increases every year.

Voluntary insurance

Insurance of individuals of individuals on a voluntary basis implies that a citizen of his own will decide to insure his valuable things. The contract indicates either a standard set of unpleasant cases (fire, theft, flood and other), or those risks that are subject to property at the discretion of the owner.

The cost of voluntary insurance is calculated individually for each client, depending on the type of property and its life. It is important to remember that not all valuable things can be considered as an object of insurance. This is explained by the fact that if the property is valid (for example, the road is like memory), then for the company she is just a piece of paper or a bauble. Each is strictly regulated by the rules separately, therefore, before choosing the insurer, it is necessary to carefully examine the conditions for its work.

Compulsory insurance of property of individuals

The most common object of compulsory property insurance is the protection of vehicles for an accident. It is mandatory for all citizens having a car, because the probability of an emergency occurrence is very large. Also, residential premises and homes of citizens are subject to mandatory insurance. For example, those buildings that are located in the seismic zone.

Insurance of individuals of individuals is strictly regulated by law, and on those objects that must be insured, you can ask the company.

How to insure property

Deciding that it is necessary to secure from damage or loss, as well as with what, that is, choosing insurance casesAs a result of which property can suffer, you can safely go to your agent. First of all, it is necessary to choose a reliable organization in order for it to insure the property of individuals. Rosgosstrakh is one of the largest and most reliable companies that help secure valuable things of citizens.

Choosing should take into account the experience of its work in this market, customer reviews, as well as tariffs and the cost of services. Today you can find a description of any organization and find out its reputation.

After the insurer is defined, it is necessary to go to him for before making a contract, the insurance agent will appreciate the property and will act as unpleasant situations from which the owner actually protects itself.

How much does the property of individuals cost

In addition to the assessment of valuable things, it will be necessary to pay the tax on the insurance of the property of individuals. The cost will be calculated individually for each client. However, for car insurance there are certain prices and tariffs that can be clarified by a company representative. Only the policy of OSAGO, protecting the civil liability of all drivers, has a strictly regulated tariff. It is the same in all insurance companies, but the cost of insurance of an apartment or other valuable property of the owner should be clarified by the agent.

In any case, the insurance of property of individuals whose tariffs are calculated individually, will be able to protect customer interests in unforeseen situations, and will be significantly cheaper than, for example, to buy new housing for their own cash. Companies as the basis of calculation take an estimated object and multiply it on a tariff rate, which is from 0.2 to 3.1%. The higher the probability of occurrence emergencyThe higher will be the percentage. To simplify the calculations, you can use a special calculator to calculate the sum insured, which can be found on the company's official website.

Before calling a representative of the company to assess property and conclude a contract, an independent expert should be called. He will be able to adequately evaluate valuable things, without incline of their cost, how many do insurance organizations. Insurance of individuals of individuals is a profitable niche in this market of services. That is why, wanting to earn even more, unfair insurers try to deliberately undertake the cost of valuable things of their customers. In order for such unpleasant situations in the future, it is better to show an assessment form to independent experts and further enter into an agreement.