Today, there are many types of insurance. With its help, people receive financial protection in various cases. Civil liability insurance of apartment owners in Rosgosstrakh allows you to transfer liability for losses to an insurance company. The restoration of personal justice will have to be done independently, but the company compensates neighbors for repairs.
Advantages of Rosgosstrakh
Civil liability insurance of apartment owners in Rosgosstrakh has the following advantages:
- Registration online in 5 minutes.
- Protection against various risks.
- 24/7 customer assistance.
- Minimum documents.
- Timely payments.
rules
Insurance companies offer simple rules for obtaining a policy:
- Optional compilation of an application.
- Customers can independently choose the appropriate type of program.
- Independent decision on the amount of the insured amount.
- Various payment options, including installment payments.
- No inspection of the home is required, since insurance is valid for damages to neighbors.
- You can conclude an agreement in any city.
- The service is provided to owners and tenants.
Typically, customers do not need to go to the office, because the service is connected with partners. It can be branches of banks, communication salons. Only then do you need to save the check evidencing payment. Insurance of an apartment in Rosgosstrakh allows you to protect yourself from various expenses if you damage your neighbors.
It is important to determine the option of transferring information about the completed policy to the insurer. There are 3 ways: via the Internet, by phone and in person. With any option, you need a policy number that is considered unique.
When is insurance needed?
In what cases is it preferable to contact Rosgosstrakh? Reviews on the insurance company show that the service will be needed in different situations. Usually it is needed when renting a property or for a long absence. In this case, the person will not suffer losses from unforeseen situations.
The risks
At Rosgosstrakh, you can draw up extended civil liability. It all depends on desire. The general list of risks is as follows:
- Damage to the health of third parties.
- Damage to property of nearby residents.
- Threat to the life of third parties.
- Unforeseen events: fire, breakdowns in water supply networks, short circuit of electrical wiring, explosion.
Other situations may also be included in the document. Many customers choose a specific list of risks, for example, bays, fires, in order to save personal funds. Fires, although they may not be too often, but with them people lose all their property. Floods are not uncommon since communications in many homes are old.
Many opt for civil liability insurance of apartment owners in Rosgosstrakh before redevelopment. Due to such work, losses from neighbors may follow. This service is indispensable for residents of dilapidated buildings.
What does not apply to insured events?
The company offers transparent programs, so customers will find out about all the nuances before completing the contract. Insured events do not include:
- The impact of a nuclear explosion, radiation.
- Military action, unrest, strikes.
- Seizure, confiscation, requisition.
- Violation of the terms of operation of property.
- Depreciation of facilities, materials, equipment.
- Storage of explosive components in the insurance territory.
- Rotting, property corrosion.
- Penetration into the insured area of precipitation.
- Rainfall through loggias, balconies, terraces.
- Circumstances covered by warranty.
Select coverage amount
It is necessary to determine the price of decoration, property and the amount for which you need to insure civil liability. The sum insured should include the value of the property, otherwise in the insured event there will not be enough funds for repairs, and everything will have to be purchased at your own expense.
According to the law, the landlord, through whose fault the property in the lower premises was damaged, must compensate for the damage. The amount should cover all possible expenses. It must be indicated in the contract.
Documentation
Civil liability insurance of apartment owners in Rosgosstrakh is executed with the conclusion of an agreement. For the transaction to be completed, it is necessary to prepare some documents:
- Passport.
- Housing papers.
- Lease contract.
How to insure liability for an apartment in Rosgosstrakh? You must contact the nearest office of the company. After the application, a policy is drawn up. The insurance policy is issued to the person, in which additional conditions are indicated. In many companies, this is how apartment insurance is carried out. Sberbank, VTB, Rosgosstrakh provide services on similar terms.
Contract time
The term of insurance is determined by mutual agreement. If this period is 1 year or more, then the period is calculated in years. But the document can be terminated for several reasons:
- Liquidation of an insurance institution.
- Refusal of the heir to assume insurance rights and obligations.
- Housing is transferred to another person.
What to do in case of an insured event?
If civil liability insurance is registered at Rosgosstrakh, then a person will not have to incur financial losses in many cases. With the onset of one of them, you need to perform several simple actions:
- To do everything possible to reduce the harm done.
- Report the incident to the appropriate service - the Ministry of Emergencies, ambulance or the Ministry of Internal Affairs.
- Three days are provided to notify employees of the insurance company about the incident.
- Follow the instructions necessary to clarify the circumstances of the occurrence of the insured event and the amount of losses.
- Provide information related to the insured event.
- Notify persons affected by unforeseen situations, give them the contacts of an insurance company that will reimburse compensation.
- Prior to visiting the experts, you need to keep the original picture of the damaged property.
- Persons who have suffered damage must agree to inspect damaged housing.
- Do not proceed with repairs until approval by the insurer.
What is necessary when an insured event occurs?
When an insured event occurs, you need to prepare a list of documents:
- Policy.
- Passport.
- Statement.
- Papers indicating the reasons for the insured event with a description.
- Inquiries from medical institutions in the presence of victims.
- Papers on the apartment.
- Estimated cost recovery.
Compensation Options
Whatever the apartment insurance program in Rosgosstrakh is, the payment is accrued after the reasons for the insured event are discovered, losses are calculated, and the certificate is drawn up. To receive compensation, you need:
- Compile a claim for compensation. An injured or insured person can write it. The latter has the right to do this if he has reimbursed legal expenses, losses to the victims.
- Provide documents to the insurance company.
- Employees undertake to provide an answer throughout the week. If it is positive, then an act is drawn up.
- Then compensation is listed.
The payment includes expenses to cover the harm caused to third parties to the court. The amount of coverage is determined in national currency. It is equal to:
- The cost of the apartment, if it cannot be repaired, minus the surviving objects.
- The cost of restoring property in case of damage.
Is it possible to conclude an agreement in one city if the property is located in another? It will succeed. But then the calculation is carried out on the basis of those local tariffs where the object is located.
Cost
Each insurance company may have a different policy cost. Usually it is 0.3-1.7% of the insurance payment. The price is affected by the date of construction, the condition of the house, the materials used for the construction. Home insurance built using high-tech materials will be cheaper.
An important factor is the coverage of risks and the area of protection. The amount of contributions will increase with the repair carried out in the premises, leasing of the object. The amount is affected by the size of the city where the accommodation is located. Those wishing to save money are better off acquiring collective insurance issued by several residents of the same entrance.
Reduces the amount of the purchase of an ordinary policy, which, along with civil liability includes home insurance. The policyholder may provide contributions every year, month, and the payment procedure does not affect the price of insurance.
Thus, insurance is considered important in modern life. In order not to incur large financial losses, you need to use such services, especially if you have to be absent from your real estate for a long time.