The services of insurance companies (IC) residents of Russia are wary. Such a conclusion can be made because of the large difference between the number of contracts for compulsory and voluntary insurance. Why this happens is hard to say. But we can highlight the main reasons for this situation:
- low incomes of the population;
- low level of trust in insurance companies;
- superstition (if I insure myself, something bad will happen).
Often, if events occur that harm our health or property, we regret that we did not conclude an agreement with the insurance company on time.
In this article we will analyze the specific direction of their services - protection of property interests by issuing a policy on apartment insurance.
Why is such a service needed?
No matter how much we would like, we are not able to control absolutely all the events that happen to us. Sometimes such incidents happen that cannot be foreseen. For example, you were flooded by a neighbor from above or there was a fire at those who live below your apartment. Of course, it’s better that this does not happen. But, if you imagine that this happened, what sensations await you? Overwhelming, angry and the like. Now think about how you would feel if misfortune happened, but before that you managed to financially protect the apartment. The feeling will not be so negative, because insurance inspires peace.
What types of insurance are there?
Similar services can be divided into several types, according to different characteristics. Depending on the risks, apartment insurance can be made:
- as personal property;
- liability to third parties.
The apartment insurance contracts list the elements of the home for which the insurance company is liable. They can be structural elements of the structure, interior decoration, household property, etc.
If an agreement is concluded to determine a measure of responsibility to third parties, then the insurance company will indemnify your neighbors if you somehow damaged their property as a result of an accident.
Some companies offer comprehensive apartment insurance, which includes various risks. damage to property as well as damage to the housing of third parties.
Mandatory and voluntary
You can also divide home insurance into mandatory and voluntary. The first type includes those agreements on the conclusion of which the bank insists in various cases. For example, you take a loan secured by property. In this case, the financial institution will insist on compulsory collateral insurance.
Mortgage insurance of an apartment can also be attributed to this type, because the bank is interested in ensuring that property that has not yet completely passed into the possession of the client is completely safe. Without this, you will not be given the appropriate type of loan.
If you decide, for example, to insure against flooding an apartment on your own initiative, then this type of policy will be called voluntary.
Risk list
In each insurance company insurance contracts are developed individually. It is there that you can find out what specific risks the company is ready to take responsibility.
However, you can draw a parallel and draw up a list of situations that will be insured by the majority of insurance companies operating in the Russian Federation:
- Explosion or fire.
- Flooding.
- Illegal actions of third parties (hacking, theft of property).
- The impact of bad weather conditions (natural disasters).
- Mechanical damage due to other events.
- The fall of flying objects, collision with motor vehicles, etc.
- Damage caused by neighbors during the operation of a residential building.
The listed groups are divided into dozens of specific situations that should be provided for in the insurance contract. To gain confidence in protecting your property interests, you need to carefully and slowly study them by reading the policy.
How much is insurance policy?
Of course, it all depends on the insurance company itself and the list of risks that it proposes to include in the policy. For example, consider the services that Sberbank offers. Apartment insurance can be made in one of four options. Each of them implies comprehensive protection, but differs in the amount of insurance payment and the maximum amount of monetary compensation.
Case studies
Consider this statement on a specific example. The first policy will cost 1750 rubles a year. For this money you will get insurance:
- interior decoration in the amount of 200 thousand rubles .;
- movable property for 150 thousand rubles;
- civil liability per 100 thousand rubles.
The second option will cost slightly more - 2250 rubles. In this case, the following insurance limits are present for risks:
- interior decoration - 250 thousand rubles;
- movable property - 200 thousand rubles;
- civil liability - 150 thousand rubles.
Consider the third option, according to which it is possible to insure the apartment. The cost of the policy is 4950 rubles. Under the contract, there are the following restrictions on the financial liability of the company:
- for interior decoration - 600 thousand rubles;
- for movable property - 400 thousand rubles;
- for liability to third parties - 400 thousand rubles.
The following options are more expensive, but the insured amounts available are higher. For 6750 rubles, you can purchase the most expensive policy that Sberbank offers. Apartment insurance in this case will be limited insurance amount 2 million rubles.
List of insurance items
The interior decoration and integrated engineering equipment of the UK include:
- a layer of materials intended for decoration of walls, floors, ceilings;
- any engineering, as well as plumbing equipment;
- glazing;
- door blocks;
- overlap;
- partitions from various building materials;
- electric meter and wiring.
If movable property is insured in the contract, then the following is meant:
- TV equipment
- audio equipment;
- electrical appliances;
- Appliances;
- furniture;
- clothes;
- personal items;
- other material values.
Civil liability means damage to property of neighbors (for example, flooding), as well as harm to life and health (explosion, fire).
What do you need to pay attention to?
Based on this, it is necessary to study the insurance contract, as it indicates the risks and situations in which payment of monetary compensation is carried out. Even if the policy literally says "fire insurance for an apartment," then pay attention to the clauses of the contract that apply to situations where compensation does not occur. Many customers simply do not read the last clauses of the contract, which is very important. After all, the cost of insurance depends not only on the list of risks, but also on situations in which the insurance company may refuse to pay you.
For example, most insurers often refuse to pay compensation in the following situations:
- if the damage occurred as a result of emergency situations, military operations, rallies, unrest, terrorist acts;
- radioactive or chemical contamination has occurred;
- damage occurred due to the end of the factory life of the item;
- if the insured property was used for other purposes;
- the construction of the building was improperly designed or the construction of the house was carried out in violation of the building rules of the Russian Federation;
- events that led to the occurrence of the insured event began to occur before the conclusion of the relevant contract;
- Damage to property occurred as a result of actions that are not in the list of insured events.
As you can see, there is a fairly wide list of incidents in which damage is not indemnified.
Apartment insurance: reviews
Of course, everyone treats insurance differently. Even those who have issued policies to protect their apartment have different views on this service. By and large, it depends on the UK itself.
Judging by the reviews, consultants of a company simply miss or deliberately do not talk about some of the nuances that customers will not know about until they reach the stage of damages.
There are also companies that find a million reasons to refuse payments to customers. Therefore, when choosing an insurance company, you must pay attention to the reputation of the organization, as well as customer reviews. In addition, you can check the rating of companies by the amount of paid refunds and collected premiums.
But be prepared, because the services of a good company are not cheap and you have to spend a decent amount on payments. However, in the event of an insurance event, you will be 100% sure that the insurance company will not let you down.
