Apartment insurance: what is included and how to choose the type of insurance

Apartment insurance is voluntary, but responsible tenants still buy a policy. Restoring damaged housing only at your own expense is costly. Therefore, it is important to choose a company that will offer favorable insurance.

What property can be insured

Home insurance covers the following types:

Real estate in a new building;

Housing, which is located in the "secondary";

Country houses, dachas, townhouses, and apartments.

You can buy a policy for rented premises. Then, upon the occurrence of an insured event, the owner of the property, and not the tenant, will receive the payment. Or affected neighbors, if civil liability insurance is issued.

How apartment insurance works

When insuring an apartment, the contract lists the risks. It can be, for example, a fire, a flood, an explosion of domestic gas. Certain components are insured - furniture and appliances, interior decoration of housing, engineering equipment - and for a specified period, it can be one month or a quarter. The document states:

• What cases will be considered insured;
• What is insured;
• The amount of the insurance premium;
• How much the owner of the premises will receive in the event of an insured event.

If an insured event stipulated in the contract has occurred, due to which the insured property has suffered, you need to contact the insurer. He will assess the amount of damage, and the client will be compensated.

Why is property insurance beneficial?

Apartment insurance is beneficial for customers because:

Policy payments allow you to restore damaged property - sometimes a lot of money that you have to take out on credit. But this is not always possible or seriously increases costs.

Property insurance gives the owner confidence. He knows that in which case he will not be left without financial support. This is especially important if you are renting out your property or are away for a long time. For the sake of peace of mind, it is worth taking out insurance for suburban real estate, which is left unattended for most of the year.

The policy can be bought at an affordable price. Companies offer different insurance programs. It is more profitable to protect yourself from the most likely risks, and not from all possible dangerous situations - SberStrakhovanie offers just such an option for comprehensive protection. The cost of the policy depends on the selected amount, which reaches 6 million rubles, and the duration of the contract.

No need to pay for the entire term at once. Money under the contract is paid annually, its conditions are preserved for 5 years.

What can be included in an apartment insurance policy?

The service called "Protection of the house and apartment" includes insurance coverage for:

• Structural elements;
• Interior decoration and engineering equipment;
• Movable property located in a residential area;
• Civil liability of the owner to other people.

The policy provides for all types of damage that may be incurred by the homeowner.

Structural element insurance

Insurance is issued for the following items of real estate:

walls - load-bearing and secondary;

partitions, ceilings; a roof, a foundation with a plinth, ceilings in the attic, in the basement, between floors, if we are talking about a private house.

All of the above is the basis of the home, which makes it safe. Therefore, it is so important to quickly and efficiently restore these elements if they have suffered as a result of an insured event.

Interior decoration and engineering equipment insurance

Repair and engineering equipment insurance is also an important part of protection because owners spend money on decoration and amenities comparable to the cost of the apartment itself. This includes:

Doors and windows with glass details;

Plumbing and engineering equipment;

Electrical wiring and meters installed in the dwelling;

Floors (except for underfloor ceilings);

Internal partitions made of lightweight materials.

These elements are the first to suffer in the event of any insured events. Therefore, the insurance that covers them will save you from serious expenses if there is a fire, flood, or other trouble stipulated by the contract.

Liability insurance

This section of the home insurance program covers the following:

the owner of the apartment, who is also insured, flooded the neighbor's housing or damaged the property in another way;

through the fault of the insured, when using the real estate, damage to the health of third parties was caused.

Similar situations also happen and lead to unpleasant showdowns with neighbors, and often litigation. Insurance helps to avoid expenses for repayment of damages, and legal costs and save your own nerves.

Additional options for home insurance coverage

Under the program, you can also insure property that is indirectly related to your property, but is also damaged during domestic accidents:

exterior finish. This includes materials that cover the outer part of the walls and decor;

outbuildings located on the site where the affected house stands. These are a garage, a greenhouse, a bathhouse, a barn, other non-residential premises, as well as a fence;

movable property. The program insures household and computer equipment, computers, laptops, telephones, clothes, bedding, furniture, interior items, children's things, and toys.

To repair housing outside, to restore outbuildings - all this also requires large expenses. And the work cannot be postponed until later. Sometimes household appliances, computers, and telephones are damaged during a fire or flood, without which people are deprived of amenities, personal connections, and even the opportunity to earn money.

Insurance under the "Home Protection" program not only saves a roof over your head but also restores your usual life, former comfort, and the opportunity to return to your favorite activities.

Those who are thinking of concluding a contract for apartment renovation insurance should understand the features and subtleties of the various programs that insurance companies currently offer to protect the material interests of owners and tenants of real estate.

The cost of the standard program

In SberInsurance, the sum insured for protecting an apartment varies from 900,000 to 6,000,000 rubles a year. Details can be found by reading the terms and conditions of insurance on the website of the insurance company.

How to choose an insurance company

When choosing a company for the protection of the apartment, pay attention to several points:

Does the company have a license from the Central Bank? The name is searched on its website in the Directory of Financial Institutions.

What are the conditions of the insurer? The most important is the amount of the sum insured, which events are covered by the contract and which are not. Significant questions - What is the procedure for assessing damages and compensation, when payment may be denied?

How transparent are the requirements of the insurer? Information should be open, including the number of insurance premiums and payments in different circumstances, and the presence of a franchise.

How is an insurance contract drawn up? Experts advise concluding it at the office of the company or on its official website through a personal account.

Protection of an apartment and a house from SberInsurance

One of the best offers on the real estate insurance market is the “Protection of an Apartment and a House” program from SberStrakhovanie. Her terms:

insurance of an apartment and other types of housing is available, including a room, apartment, cottage, cottage;

you can insure the premises against natural disasters and emergencies, fire, explosion, flooding, lightning strikes, falling objects, intruders, mechanical impact;

if desired, elements of internal and external decoration, engineering equipment, walls, ceilings, partitions, other elements of real estate, as well as furniture, appliances, and things that are in the room become the object of protection;

it is possible to insure civil liability to neighbors;

the contract is concluded for 1 year;

sum insured - up to 6 million rubles;

the price of the policy can be calculated using an online calculator;

At the conclusion of the contract, an inspection of the dwelling is not obligatory.

You need to find the "Property" section and the "Protection of the apartment and house Online" tab.

You should click the field "Checkout" and then - "Checkout on the site."

After the transition, you must fill out all the columns of the questionnaire that opens and click on "Finish" at the bottom of the page.

Next, you need to enter information about the insured, and the address of the home, confirm the information, agree to the processing of personal data and drive in the code that came to the phone.

The last step is paying the policy.