Особенности страхования квартиры

Автор: admin  //  Рубрики: Городская недвижимость

osobennosti-strahovaniya-kvartiryi-1Особенности страхования квартиры

Большинство россиян не любят переезды, поэтому стараются купить недвижимость один раз и на всю жизнь. Но далеко не все задумываются, что страхование недвижимого имущества может защитить от непредвиденных проблем. В западных странах страхование квартир считается распространенным явлением, в то время как у нас этой услугой мало кто пользуется.

Все или по списку

В объект страхования входит не только сама конструкционная основа квартиры, но и ее отделка и находящееся в ней имущество. Страховые фирмы стараются предложить клиентам полный пакет услуг. В него входят все возможные факторы, которые могут нанести вред имуществу: природные катаклизмы, пожар, кража и т.д.

Не обязательно покупать полную страховку. У клиента всегда есть возможность самостоятельно выбрать из списка те опасности, которых он больше всего боится.

Самыми распространенными страхами (и зачастую оправданными) являются боязнь воров и затопление соседями сверху. Впрочем, некоторые даже просят внести в список экзотические случаи, вроде повреждения здания от террористического акта и даже от падения самолета.

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В борьбе за клиента

В большинстве страховых компаний расценки примерно одинаковы. Дешевле всего обходится страхование главных конструкций, то есть стен, потолка и крыши (в случае проживания клиента на последнем этаже).

Чуть дороже стоит отделка. Наибольшему риску подвергается содержимое квартиры, то есть бытовая техника, различные ценности и т.д. Поэтому за страхования этого имущества заплатить придется дороже всего.

Впрочем, некоторые страховщики, чтобы заинтересовать клиента, предлагают возможность защитить только какие-то определенные вещи в доме. К примеру, только мебель или дорогостоящие предметы старины.

Стоит отметить, что страховка на эти объекты будет распространяться только в случае, если они находятся непосредственно в квартире. Если их повредили во время переезда, то выплату гражданин уже не получит.

Еще одним методом борьбы за клиента являются бесплатные стартовые услуги. К примеру, фирма предлагает бесплатную оценку недвижимости и вероятность наступления тех или иных рисков. То есть клиент уже будет знать, во сколько обойдется ему тот или иной вид страхования и что желательно защитить в первую очередь.

Внимание к мелочам

Дьявол кроется в деталях, поэтому важно несколько раз перечитать страховой договор. Там должна быть подробная характеристика недвижимости, оценочная стоимость застрахованных отдельных ее объектов, адрес квартиры и максимальная сумма, которую может получить клиент.

Важно обратить внимание на сроки подачи заявления о наступлении страхового случая. Некоторые компании указывают их слишком короткими. Например, по договору клиент должен оповестить страховую фирму о случившемся пожаре в течение двух суток.

А ведь надо учесть, что гражданин в результате того или иного происшествия может оказаться на больничной койке и ему будет просто не до оповещения страхового агента.

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Часто причиной отказа в выплатах является отсутствие формальных документов, которые подтверждают факт порчи имущества или недвижимости.

Если речь идет о пожаре, то заключение о возгорании надо получить у пожарных. В случае кражи имущества соответствующий документ выдается в полиции, где подробно перечисляются украденные из квартиры вещи.

Впрочем, некоторые виды договоров предусматривают, что все заключения должен получать не сам клиент, а страховой агент. Это удобно, так как не надо самостоятельно собирать нужные бумаги.

Но с другой стороны, возможен факт мошенничества со стороны агента. Он может получить заключение, в котором сказано, что имуществу не нанесено повреждений, предусмотренных страховых договором.

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