Insurance of a dacha (country house). Home and cottage insurance Are unfinished construction projects accepted for insurance?
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Are unfinished construction projects accepted for insurance?
Yes, home insurance is issued on an individual basis, if the building has walls, roofing, closed window and door openings.
If the building is not registered, will you take it for insurance?
Yes, if you have a document for the land plot on which it is located.
Is real estate accepted for insurance in the absence of a certificate of ownership?
Not only a certificate of ownership or an extract from the Unified State Register can be accepted as a document confirming the right to receive insurance payment. These documents can be replaced by an alienation agreement (purchase and sale, gift, exchange), a certificate of inheritance, an extract/certificate from the local administration and other documents that make it possible to clearly determine who owns the insurance territory.
In the process of transfer of rights, when title documents are completely absent, we propose to draw up an agreement on the condition “at the expense of whom it should be”: payment of insurance compensation, according to this condition, will be made to the person who confirmed his rights to the damaged/lost property at the time of the loss settlement. occurrence of an insured event.Can social housing be insured?
Yes, premises used by citizens for living on the basis of a social tenancy agreement can be accepted for insurance on general terms. Payment of insurance compensation will be made to any of the adults registered in the insured premises (registration is established according to the passport data).
I rented a country house for a long term, can I insure it for my benefit?
Yes, if the lease agreement stipulates your obligation to restore property damaged for any reason, carry out scheduled/unscheduled repairs, etc.
Also, in favor of the tenant, the tenant's movable property located in the rented premises, as well as leased property for which he is financially responsible under the lease agreement, can be insured. Otherwise, the recipient of the payment will be the owner of the rented property.How long should I wait to receive payment?
15 working days from the date of receipt of the last of the loss documents
I want to buy a policy as a gift for a friend, but I have nothing to do with the object of insurance itself. Is this possible?
Yes, sure. To purchase an insurance contract, you do not have to be the owner or have at least some relation to the insurance object. Absolutely any person can buy a property insurance contract (become an insured), and the payment of insurance compensation is always received by the person who has the official right to own, use, and dispose of the insured property (for example, the owner).
Shared property – what can you offer?
Common joint and common shared ownership (both with and without the allocation of shares) is not a rare case. First you need to determine what exactly you want to provide with insurance protection: the entire object or only the part that belongs to you.
Features of property insurance in shared ownership:- In respect of the entire object, insurance is carried out in favor of all its owners, including minors. In this case, the payment of insurance compensation is made either according to the share in the ownership of each of the owners (in the case of common ownership), or in full to one of the owners (in the case of common joint ownership).
- In relation to part of the object, insurance is carried out in favor of the owner(s) of this part. If the share of ownership is not allocated (does not have clear documented boundaries), the insurance contract can be concluded on the basis of a plan of the property drawn up and signed by all its owners for the purpose of concluding an insurance contract, which indicates the part transferred for insurance (notarization of the plan is not required) .
Is it possible to insure movable property located outside the home?
Yes. This applies to some items of movable property, which, due to their functional purpose, may be located outside the insured premises (garden furniture, swings, garden equipment, etc.). Such property is accepted for insurance only if a separate list (inventory) is drawn up, exclusively on the terms of the “Platinum” product.
Now no one lives in a country house, we rarely go there - will you take it for insurance or does someone have to live there?
Both truly residential buildings (with permanent registration, year-round residence) and houses with non-permanent residence are accepted for insurance. At the same time, the very fact of absence of permanent residence (more than 240 days a year) does not increase the cost of insurance, but is necessary for Ingosstrakh only to collect statistical data.
Rodents have damaged the furniture at your dacha - will you pay for repairs?
Yes, provided that the additional risk of “Animal Action” is included in the insurance contract. For this risk, insurance covers damage caused to the insured property by animals that do not belong to the policyholder or his friends, guests, employees, etc.
In spring there are floods or rising groundwater levels. Does Ingosstrakh pay for such cases?
Yes, if the specified events relate to non-standard for the given area, dangerous natural phenomena, which is confirmed by a certificate from Roshydromet.
Refund limit
The maximum amount of insurance compensation established in the insurance contract for the entire insurance period, after which the insurance contract is terminated.
Insurance premium
An insurance fee that must be paid by the policyholder or his representative.
Insurance risk
The expected event, in the event of which an insurance contract is concluded.
Insurance case
An event that has occurred from among those provided for in the insurance contract and entailed the insurer’s obligation to pay insurance compensation.
Sum insured
The amount of money specified in the insurance contract, on the basis of which the amount of the insurance premium (insurance contributions) and the amount of insurance payment upon the occurrence of an insured event are established. When insuring property, the insured amount can be set equal to or lower than its insured value.
Insurance compensation
The amount received by the person in whose favor the insurance contract is concluded, or his legal representative upon the occurrence of an insured event.
Monetary losses of the person in whose favor the insurance contract is concluded as a result of the occurrence of an insured event.
Insurance claim form
When insuring property, a monetary form of compensation is provided (payment is made in rubles to the bank account of the person in whose favor the insurance contract was concluded).
Franchise
The part of the damage determined by the contract that is not subject to compensation by the insurer, established as a percentage of the insured amount or in a fixed monetary value.
Insurer
An insurance organization created in accordance with the legislation of the Russian Federation to carry out insurance activities and received a license to carry out the corresponding type of insurance activities in the manner prescribed by law.
Insurance contract
An insurance contract is understood as an agreement between the policyholder and the insurer, according to which the insurer, for the payment stipulated by the contract (insurance premium), upon the occurrence of an event (insured event) stipulated in the contract, undertakes to compensate the person in whose favor the insurance contract was concluded for damages caused by of this event, damage in the amount (limit) and in the manner determined by the rules and/or the insurance contract. An insurance contract is a combination of an insurance policy and the text of the insurance rules on the basis of which it was concluded, as well as annexes to the insurance policy (if any).
Insurance rules
Insurance conditions that define the rights and obligations of the parties under the insurance contract, the object of insurance, a list of insured events and exceptions under which the insurer is released from liability. The text of the insurance rules is an integral part of the insurance contract.
Policyholder
A legal or legally capable individual who enters into an insurance contract in its own favor or in favor of a third party (beneficiary) and pays insurance premiums under such a contract. The conclusion of an insurance contract in favor of the policyholder is possible only if the policyholder has an interest in preserving the insured property based on law, another legal act or contract. When concluding an insurance contract in favor of the beneficiary, the policyholder may not have a property interest.
Insured person
In terms of civil liability insurance: a person whose liability for causing harm to life, health or property of individuals, property of legal entities, municipalities, constituent entities of the Russian Federation or the Russian Federation is insured under an insurance contract.
Beneficiary
An individual or legal entity appointed by the policyholder who has an interest in preserving the insured property (property interest) based on law, another legal act or contract, in whose favor the insurance contract is concluded.
Insurance period
The validity period of the insurance contract usually coincides with the validity period of the insurance contract.
Contract time
The period during which the insurer's liability insurance is valid usually coincides with the insurance period.
Insurance territory
The territory defined in the insurance contract (country, region, route, etc.), within which an insured event occurring during the validity period of the insurance contract entails the insurer’s obligations to pay insurance compensation. For property and civil liability, the insurance territory is the address of the location of the property; for civil liability insurance for the actions of animals, the insurance territory is the territory of the Russian Federation.
Incomplete proportional insurance
The condition of incomplete proportional insurance means that the insured amount established in the contract is lower than the insured value of the property and the payment of insurance compensation is made in the same proportion to the amount of damage in which the insured amount was related to the insured value.
Under-insurance
The condition of incomplete insurance means that the insured amount established in the contract is lower than the insured value of the property. In this case, payment of insurance compensation can be made both taking into account the ratio of the sum insured to the insured value (incomplete proportional insurance) and without taking into account this ratio (incomplete disproportionate insurance).
Full insurance
The condition of full insurance means that the insured amount established in the contract is equal to the insured value of the property
Incomplete disproportionate
The condition of incomplete disproportionate insurance means that the insured amount established in the contract is lower than the insured value of the property and the payment of insurance compensation is made without taking into account the proportion in which the insured amount was related to the insured value.
A gradual decrease in the original value of property during its use.
Reimbursement system
The compensation system refers to the procedure for accounting for wear and tear on replaced materials/parts in case of partial damage to property: the “New for Old” compensation system assumes that wear and tear is not charged on replaced materials/parts in the event of partial damage (the payment is equal to the cost of new parts), the “Old” compensation system for old" assumes that replacement materials/parts in case of partial damage are subject to depreciation during the operation of the damaged property (the payment is equal to the cost of new parts minus depreciation during the period of operation)
Bonus system
Reward system for our clients. Bonus is a discount that you receive when renewing your policy if you have not had any losses.
Insurance value
The true, actual value of property for insurance purposes. To determine the insured value, various methods of economic assessment are used, as a rule, when insuring suburban real estate, decoration and engineering equipment, the insured value is equated to the replacement cost (including wear and tear), and when insuring movable property, structural elements of apartments / townhouses - to the market value (minus wear).
Let's consider which insurance company is better to insure your real estate. Today there are a large number of insurance companies, each of which offers its own package of services. These include:
Every citizen can insure their home with the following trusted companies:
- AlfaInsurance.
- Rosgosstrakh.
- Alliance (ROSNO).
- RESO-Garantiya.
- SOGAZ.
Where is the best place to get home insurance under different conditions?
In the city
Companies where you can better insure city real estate:
- Alpha.
- Foreign insurance.
- Country.
Country or country
Dacha plots are most often concentrated far from a developed system of fire stations and police stations. The fact is that such houses are most often endangered. Where is the best place to insure a house in the village?
The following companies offer policies:
Unfinished
It is not always possible to build a house in a short time. The construction process of a facility may be slowed down during cold weather, due to lack of money or for other reasons. To protect your already invested finances, you should use the services of the following insurance companies:
- INSONE.
- Ingosstrakh.
- Renaissance insurance.
Various options
Rosgosstrakh
This company is one of the oldest in the Russian Federation engaged in real estate insurance.
It offers its clients two programs:
As an additional bonus, the two programs include the opportunity to insure not only the house, but also the property located inside the building. This even includes engineering and other communications.
VTB Insurance (home custodian)
This company has developed the following insurance programs for its clients:
- "Hi, neighbor!"— for property and apartment insurance.
- "Home Advantage"— for insurance of country houses.
- "Advantage for the apartment» - for apartment insurance.
- "Advantage for furniture"— for furniture insurance.
VSK Insurance House
The company has been operating in the financial market for 25 years. Insures houses, apartments and other residential real estate.
The insurance company evaluates the property free of charge, and you can pay the tariff in installments. It is also possible to obtain insurance online.
The company can offer the following programs to its clients:
RESO-Garantiya
The company has been operating in the financial market for 25 years. She offers her clients insurance for apartments, cottages, houses against fire and flooding. The Domostroy program remains very popular. It provides for the following risk packages:
- Premium
- Express.
- Economy
- Preferential.
The rules of the Reso Dom program provide protection for country buildings, country houses, land plots and apartments.
For example, if you insure a house for 6.5 million rubles, then the insurance will be 19.6 thousand rubles, and insurance of a fence for 150 thousand rubles will be 600 rubles.
SOGAZ
This company belongs to the federal level universal insurers. The key home insurance package includes the following risks:
In addition, the following risks are an additional bonus:
- broken glass;
- radiation exposure;
- breakdowns.
Important! SOGAZ provides insurance only if the insurance amount in terms of volume is above 60 thousand rubles and not higher than 3.5 million rubles.
Alpha insurance
This company has worked on the market for about 10 years. It is one of the top five leaders in the open insurance market.
Alfa Insurance provides clients with the following popular programs:
- Repair insurance.
- Protecting neighbors.
- “Even a flood” (a comprehensive package of risks - valuables, repairs, finishing, civil liability).
- Calm.
This company is popular due to its fast payment of insurance claims, and you can also apply for a policy online.
Ingosstrakh
The company has been in the financing market for 70 years. You can insure property with Ingosstrakh using 20 insurance programs. Some of them can be highlighted:
- Platinum – full package, valid from 3 months.
- Vacation pay is a short-term policy.
- Freedom.
- Express – economical insurance.
Representative offices exist in countries near and far abroad.
Max
The company has been operating in the insurance market for 25 years. It offers numerous options for home and apartment insurance. There are restrictions on payments for elements of “load-bearing structures” and “finishing”.
The company offers clients wishing to insure real estate to use the following programs:
- House. The basic set includes the following risks: gas explosion, lightning strike, falling aircraft, vehicle entry. The extended package contains the following risks: flood, natural disasters, attacks by third parties.
- Apartment. The company insures the following risks: fire, gas explosion, flood, natural disasters, force majeure, illegal actions.
Sberbank
This bank is the largest in the Russian Federation. The state-owned company provides various insurance services for houses and apartments. The main home insurance program is Home Protection.
Where is the best place to go?
Today, for home insurance, people are increasingly turning to a company such as VTB 24. This company has been operating on the market for 15 years. Its offices are located in 114 cities of the Russian Federation. The financial stability of the company is confirmed by reputable rating agencies; the company's own funds amount to 12 billion rubles.
VTB Insurance is always responsible for all obligations assumed and this is one of the main advantages for purchasing a policy. According to the rating of the EXPERT RA agency, the company belongs to the A++ reliability category (the highest level of reliability).
In fact, today it is quite difficult to choose the right insurance company. The reason is their wide variety. But it is best to trust trusted insurers who already have sufficient experience and have never let their clients down.
You can insure not only the health and life of the policyholder, but also his property. RESO-Garantiya is an insurer that, based on the individual needs of the client, provides insurance for any type of property. The company insures houses on plots, apartments, as well as mortgaged property. Each type of property has its own insurance nuances and a set of insured events. Learn more about RESO insurance.
An apartment in an apartment building is always a neighborhood with other residents. Often, due to the negligence of one resident, the owners, as well as the property of other apartments, suffer. RESO-Garantiya offers clients insurance that covers not only repair costs in the event of an insured event, but also compensation for the costs of neighbors who suffered due to the fault of the policyholder.
Home insurance from RESO-Garantiya in an apartment building is presented in six types of offers.
Insurance policy "Brownie"
This is a type of property insurance in which the client has the opportunity to choose the objects of insurance, as well as the insured amount.
The list of insurance areas includes:
- Apartment design.
- Finishing.
- Technical equipment.
- Movable property.
- Civil responsibility.
- Life or health of apartment residents.
This is a universal policy that allows you to combine areas of insurance, as well as payment amounts.
Real estate insurance "Domovoy-Premium"
The insurance policy includes a full range of property insurance services and is presented in two sentences: A and B. It insures the structure of the apartment, movable property, decoration and civil liability.
Option "Brownie-Premium" A more expensive: its cost varies from 27,000 to 35,000 rubles, depending on the availability of a franchise. The total amount of insurance payment is up to 21,500,000 rubles.
Option B assumes that the construction period of the apartment building is no earlier than 1930, and the area of the premises is no more than 150 m2. The maximum amount of compensation for damage is up to 13,900,000 rubles. The cost of this option varies from 12,800 to 17,000 rubles per year.
"Domovoy-Express" - fast insurance of property of individuals
The policy insures the structure of the apartment, movable property, decoration and civil liability. Domovoy-Express insurance is also presented in two options - A and B:
- Option A. In the first case, it is assumed that the structure of the apartment occupies no more than 120 m2, and the age of the house is no more than 55 years. The maximum total payment amount is 14,900,000 rubles. The cost of insurance with a franchise will cost 7,800 rubles, without it - 9,800.
- Option B. The cost of the policy and the amount of insurance payments are reduced, but the list of insured events remains the same. Thus, the Domovoy-Express policy B will cost from 6,000 to 7,500 rubles.
The maximum amount to cover expenses for insured events is 6,550,000 rubles.
Policy "Brownie-Economy"
Economy insurance is represented by one universal offer that is suitable for insuring most apartments. Insurance is provided for two amounts of compensation for losses related to the structure of the apartment. The first of them involves insurance in the amount of up to 2,100,000 rubles, the policy itself costs 4,500 rubles. The second one is 3,000,000 rubles, and its cost is 6,000 rubles.
Coverage for damage to finishing is 450,000. For movable property, up to 300,000 is indemnified, the same amount is provided for civil liability coverage.
Peace of mind on the “Brownie-Vacation” trip
The “House-Vacation” offer has been compiled for those apartment owners who care about the safety of their property while they are away from home. The main advantage of this type of policy is that its price is fixed - 30 rubles per day, regardless of the duration of the contract. The minimum insurance period is 5 days. The maximum amount of insurance payment is 1,450,000 rubles.
The policy insures furnishings, movable property and civil liability. The apartment can be insured against gas explosion, fire, exposure to natural factors, fall of the house structure, robbery, as well as intentional damage.
"Brownie-Preferential" - insurance for all ages
A preferential type of insurance is designed to provide a material safety net for owners of apartments of any year built, its price is 3,000 rubles. The price of the policy includes a guarantee of payment up to 2,400,000 rubles.
RESO-Garantiya provides compensation for losses in construction, decoration, civil liability and damage to movable assets in an apartment up to 100 square meters.
Home insurance in RESO-Garantiya
The RESO-Garantiya company provides services for compensation of damage in case of fire, flood, robbery, explosions, natural disasters or simple negligence of the owner. A private house has a larger list of insured events, because it is more vulnerable. In addition, home insurance often includes compensation for damage to adjacent areas or buildings.
RESO-Garantiya offers a tariff system that is accessible to everyone: depending on the amount insured, the policy can cost 10-50% less.
The cost of insurance is influenced by the number of risk groups for which funds are paid, as well as by the number of buildings.
RESO insurance offers two insurance programs for real estate with land.
"RESO-dom" - a universal policy
When concluding a RESO-dom contract, the insurance company insures dachas, bathhouses, cottages, garden houses, outbuildings, garages, fences, fences, landscape structures, as well as decoration, movable property and technical equipment.
When drawing up a contract, the client can set the insurance coverage option, select the insured amount, determine the number of buildings to be insured, and also indicate the duration of the contract. The cost of each specific policy depends on the individual characteristics of the property and the client’s requirements.
Policy without inspection
This type of insurance involves insuring property without providing an appraisal report and examination by an expert. RESO-Garantiya concludes an agreement to insure a house worth up to 1,000,000 rubles for up to three buildings on the site.
Calculating the cost of a home insurance policy
Each type of insurance involves the inclusion of different types of buildings, different costs, different options for insurance protection and the value of the property. You can calculate the estimated cost of insurance using an online calculator on the official website reso.ru in the “Calculators” tab.
Then you need to select the required tab, in this case – “Insurance of cottages and houses”.
To obtain the estimated cost of the policy, you must fill in all the fields in the window that opens and click the “Calculate” button. You can discuss the subject value and conclude an agreement anywhere, at a convenient time, during a personal meeting with an insurance agent RESO-Garantiya.
"RESO-mortgage" - comprehensive insurance
The RESO-Garantiya company provides policies even for that type of property that the client does not fully own. Mortgage insurance is a set of services that are aimed at protecting property not only physically, but also legally. The insurance policy includes three main services:
- Mortgage life insurance. REO-Guarantee in the event of death or disability of groups I and II ensures payment of the outstanding portion of the mortgage instead of the client. The rest of the insurance amount is paid to the beneficiary or heir.
- Apartment mortgage insurance. The company will pay the insured amount under the contract in a situation where the mortgaged property suffered damage regulated by the insured event.
- Property insurance in case of loss of property rights. If violations or errors are made when signing an agreement to purchase a mortgaged property, property rights are often limited or lost. RESO-Garantiya will compensate for all losses within the insured amount.
RESO-Mortgage insurance policy is a guarantee of fulfillment of the borrower’s obligations to repay the loan received. You can calculate the cost of the policy using a special calculator on the website. You can find it in the “Calculators” tab on the main page of the reso.ru website. Next, you need to select “Mortgage Insurance”.
To obtain the estimated cost of insurance, you must fill in all the fields in the window that opens. Also go through the Google service check and click on the “Calculate” button.
Advantages of RESO-Garantiya insurance
The advantage of RESO-Garantiya in insurance is the conclusion of a contract without an expert assessment and determination of the exact value of the property. In addition, it is possible to include a complete list of risks. You can also submit documents online, which makes the review procedure more convenient and faster.
Registration will require a minimum amount of documents and time, since the preparation of the policy is carried out within one day. The main advantage is complete and timely. It is also important that the policy can be issued in installments.
It is important to remember that the amounts for insurance payments in case of damage to apartments from RESO-Garantiya are fixed. The offer is valid in all regions of Russia. For clients purchasing a private home insurance policy, a discount of 5% to 20% is available.
RESO-Garantiya is an insurance company that insures any type of property. The company offers six apartment insurance programs, two home insurance packages and a universal mortgage property insurance policy.