Today, more and more property owners want to protect their property from possible damage. And if the apartment insurance has some features, then in the case of a private house there are many additional nuances.
1
What are we insured? Since the house is a separate structure, you can protect its design, internal and external decoration, engineering communications, movable property. In addition, insurers offer to issue a policy for outbuildings, garage and even a fence. Depending on the list of objects included in the contract, the transaction price is formed.
2
The cost of insurance services depends on additional factors. For example, a wooden house is more expensive to insure from a fire than stone. And it is more profitable to insure real estate in the guarded village from the theft, with bars and an armored door than a similar house without special protection.
3
What are we insured from? Damage of property is possible in a variety of ways, so insurers offer a whole list of risks:
fire or explosion of domestic gas;
a blow with lightning;
disaster;
flooding with water;
illegal actions of third parties;
terrorist act.
It is advisable to order not a complete package of services, but to choose only the most likely risks. This will save a lot of financial resources.
4
How long do we conclude an agreement? Some companies are ready to offer insurance for a month, quarter or six months. However, such options will cost more compared to the annual policy.
5
Please note: you can not insure money, jewelry, works of art, other valuable things in the house. Of course, they are movable property, but are considered as non -insisted cases.
6
When choosing an insurer, be guided by the recommendations of acquaintances. When concluding the contract, carefully read all points and footnotes, demand an explanation of incomprehensible positions. Keep all the checks for purchased equipment, building materials, and repair work.
7
In the insurance contract, you need to indicate the cost of the house. Be careful here: do not improvise and determine it by eye. The agent is beneficial for the high price, since he works at interest. But upon the occurrence of the insured event, the BTI assessment will be taken into account, and it is many times inferior to market prices. Therefore, it is most logical to order an expert assessment of real estate and assure it documented.
8
To avoid reducing payments on an insured event, maintain an order in the house’s papers, especially in the registration certificate. Unsuccessful redevelopment, change or installation of technical equipment (for example, a gas column) may be into the hand of the insurer, which he will certainly use.
Fearing your real estate, take the issue responsibly. In this area of \u200b\u200bservices, there are a lot of pitfalls, and it is simply necessary to understand all the subtleties. If you do not feel confidence in your legal literacy, turn to specialists for help to know all your rights for sure and competently defend them in the future.
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