Straw better podstelit: how to insure your home

Construction of houses, such as a private home or cottage, is associated with considerable financial outlay, and a lot of emotions and nerves on various occasions

One of them is the fear that with the construction of something can happen. Hence, almost every homeowner is still at the stage of construction in progress raises the question: "To insure or not to insure the property?".

Content:

• What types of risk can be insured?
• What can be insured?
• What determines the amount of the insurance policy?
• Walkthrough: How to take out insurance
• In some cases, insurance payments and may refuse
• What to do if an insured event occurs

In Europe, the insured 9 of 10 private homes, while in Russia the figure is only slightly higher than 10%. On the one hand, you do not want to pay, it can happen when the coveted "blow over", and on the other side of folk wisdom sits in my head about the mean, who pays twice. Let us analyze in more detail the issue of insurance house or villa, which has been repeatedly raised FORUMHOUSE participants.

desantnikvasa

user FORUMHOUSE

Forum, does it make sense to insure the unfinished structure of the house (box, windows, doors and roof) by natural disasters and damage to property?

Labradoro

user FORUMHOUSE

This year decided to put on the site shed, temporary accommodation during the warmer months. I am thinking about insurance. Cabins will cost a little more than 50 thousand, and would be a shame if she suddenly burn. There is a "smart"people who have grass instead of mow – set on fire.
Does anyone have experience in insurance households. buildings. I looked on the Internet at different insurance companies prices. Who for 550 rubles ready, who for 2200. I would like to understand the approximate cost and the most important thing – see reviews of those who practice the insured. To choose a company with adequate prices and not to hire, when suddenly an insured event occurs.

Gullever

user FORUMHOUSE

I have the following problem: he bought land in the CHT, on which stood a brick outhouse. I decided to make her a bath, and so carried away that he did not think about the proximity to a nearby site. Put into it 200 thousand, did annexe frame. And when finished - theI saw my room, right next to the neighboring wooden house standing at a distance of half a meter. Now I'm afraid to heat bath.
Now I think to insure against fire room and its responsibility or something.

Deep

user FORUMHOUSE

The question on the house in the CHT.
What documents are usually needed insurance in the payment of compensation?
Covers whether the insurance, for example, a fire due to a short-circuit wiring, lightning, arson?

What types of risk can be insured?

Unfortunately, the risks that could affect your home or cottage huge amount. To include the following loss events:

• fire (natural, by negligence, arson);
• natural disasters (floods, hurricanes, earthquakes, and other manifestations of unfriendly nature, depending on your region);
• accident in the engineering infrastructure;
• mechanical damage (such as the collapse of the roof, a crack in a wall foundation and disorders al.);
• falling trees, poles on the structure;
• illegal actions of third parties (theft, burglary, disorderly conduct).

Each case includes a number of situations, and this is not an exhaustive list. For example, the residents of the houses located near a busy highway at risk of being run over by their house or other construction vehicles. But neighbors of airports and Air Club are subject to the risk of damage from air transport.

What can be insured?

Not necessarily insure the whole house, and you can insure not only residential buildings.

The insurance can be included:

• only the supporting structures;
• and an outer facade finishing;
• the interior trim;
• furniture / home furnishings / valuables;
• systems engineering;
• section;
• individual items / objects placed on the site;
• non-residential buildings in the area (garage, sauna, shed, etc..);
• construction in progress;
• responsibility to others.

What determines the amount of the insurance policy?

Upon the occurrence of an insured event of almost any amount of the insurance policy will be many times less than the cost of damages and the recovery of property.

The amount of insurance premium depends on four main factors.

• Number of risks, from which you insure. If your house is on a hill, why insure it against flooding. And residents seysmozone necessarily need to be insured against earthquakes. If your next-door neighbors a few hundred meters, you irrelevant to insure the responsibility to others. Etc. Here it is necessary to carefully analyze the situation in your specific case, not to pay too much, since the greater the risk, the higher the amount.
• Age, condition of the house and living conditions. If you insure the house in which live year-round, the amount will be less than for a house that is used as a seasonal summer residence, as the amount of risk increases. There will also be much more expensive to insure utilities in the house, which is a few tens of years, and during this time the system has not been updated and significantly worn. And the house more "age" of the house, the more you pay for it. Some insurers have a upper limit, such as 50 years and older homes this period they do not insure.

• Housing materials and finishes. To insure against fire home from a bar will be more expensive than building from a brick. In the presence of expensive repairs and high-quality interior trim would also have to pay more.
• Features of the house. If you do not have the drainage system, or in-house sauna or fireplace, the amount of the insurance premium will be higher.

Also on the amount of insurance in the smaller side may affect the presence of fire or burglar alarms. More will have to pay and if your house is located in the exclusive area. House in the village will cost much cheaper.

Walkthrough: How to take out insurance

If you have weighed the pros and cons and decided to insure the house, what to do?

The first step - choose an insurance company. Here, as in any choice of the focus on the company's experience, reputation, reviews, a list of services offered.

The second stage - to be determined with the insurance risk, which will be included in the insurance.

The third stage - to invite a representative of the insurance company to assess the property, if you sign an individual contract. If you take a package agreement, the inventory and valuation of the property at the site are not necessary. For the travel you will pay a percentage of the amount, but get an accurate assessment of the property.

The fourth stage - to gather the necessary documents. It is the applicant's passport and documents in the house, land, technical documents. A detailed list will give you an insurance company.

The fifth stage - a contract. At this stage, we recommend that you carefully read all of the items and ask questions, so you did not have "pitfalls".

The sixth stage, the final - to pay insurance premium to get a policy.

Most reputable and reliable companies have calculators on sites, fill in the required information, you will be able to find their way around on insurance costs in advance.

Let's try to use them on different sites.

For example, we want to insure the house of aerated concrete in Novosibirsk, where ever someone lives (no open flames in the house):

And much will it cost to insure a townhouse in St. Petersburg, 250 m², 2015 th year of construction, fireplace:

The cost of insurance cost cottages 0.5 Mill. rubles will cost 4-6 thousand rubles.

It is better to make insurance for replacement value, ie when the client will receive an amount which will recover the losses. All changes in the home, on finishing, and others., You need to make in the agreement, the price to be real.

In some cases, insurance payments and may refuse

The policy can not draw:

•  If your house is old (usually over 50) and destroyed (since the high risk of the insured event);
• the structure is at risk, with a probability of occurrence of the insured event more than 99%;
• If the policy has already been several insurance cases.

Payments for insurance you do not get if:

• will be installed designedness your actions that led to the occurrence of the insured event;
• damage occurred as a result of cases that are not specified in the contract;
• revealed the fact that you do not interfere with the prevention of an insured event.

What to do if an insured event occurs

Do not panic, do not be upset, and pat yourself on what you reasonably drawn up beforehand insurance. But seriously, you first need to get certified by the act, which will be all the damage. To do this, call the representatives of the relevant services, depending on what has happened (police, administration, services, utilities and so on. D.). With this act, and a set of documents should be handled by the insurance company, the pre-patient as quickly payments will not work. Once the application is usually considered a few weeks. The specialist must all learn to go to the place, to inspect, assess the damage, make calculations.

Do not forget that if you have used the franchise, the amount of compensation on its size will be reduced. And also the fact that the compensation will be paid only to the insured objects. That is, if you burned the house and the room, and was insured only house on the site, it will have to restore the bath at their own expense.

So, we looked at the main aspects related to insurance house or villa. As you can see, this is not a luxury but a prudent foresight of adverse events, to fix that in the presence of the policy will be much simpler and less expensive. But do not forget that the insurance policy itself has not yet become the salvation of all cases, you must carefully approach the selection of risks and objects of insurance. In any case, it is better podstelit straws in advance, so you do not bite your elbows.

Find out, how to really protect the house from fireand that take to the cottage is not robbed. And one way to reduce the risks installing burglar windows. In the video - a technology of the passive house, which also increases the degree of protection.

You have already had experience of property insurance? Perhaps you are experiencing any problems? Share in the comments!

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