Intrepid vacationers

Why do we treat with suspicion to the property insurance? We hope to chance, or just do not know how it works?
Recently, the "Personal Budget" planned to find out why so few Russians insure the property? (An exception is auto). In a poll on our site responded to more than 200 people. It turns out that almost 40% think it is unprofitable: the insurance premium (annual fee) you pay on a regular basis, and payment amount if the insured event is usually less than the damage. However, more than 20% of uninsured citizens still believe that the insured must, and soon going to do it. Approximately the same number are not insured because of Russian habit to rely on chance. But when the thunder clap, baptized will be late ...
On what is the conclusion that the insurance is not profitable? The negative experience of friends? Media reports? Perhaps respondents simply did not know or do not think that such insurance and why is it necessary? Do not anyone try to campaign for or against, let's just explain in general terms, the structure of property insurance and how to approach it. Subject is extremely wide, so take for example the insurance program villas, especially as the warm season comes to an end, many gardeners leave the city and its suburban housing will be left unattended.
ALL AROUND MY
Cottage - this is not just a house in the village. This is a complete set of "pleasure" - and gardening, and sauna, and even built with love and effervescent color painted to protect from prying eyes fence (sometimes very expensive). All this can also be included in the contract, but the fear in the first place the house itself. Enter into a contract with an insurance company could anyone, such as relatives of the owner. But when the insured event will be able to pay only the owner. This means that documents the ownership rate facilities must be in order, otherwise compensation can not see. In this case a certificate from the BTI is usually not required. In "ORANTA Insurance" it is not prompted or at the conclusion of the contract or the payment of compensation. The same approach for IC "consent." If the documents of title to land is, and the BTI building is not registered, "Consent" can ask for help from the owners association board a garden or village council. In this document, the local administration confirmed the legality of the construction of buildings on the site, its affiliation and a brief description. By the way, some insurance agents also offer assistance in the registration of ownership of the land, according to still continue to operate under relaxed conditions (the so-called "dacha amnesty", which in fact is not lightweight, and highly bureaucratized) and the registration of buildings in the BTI.
What's in the house to be insured? First of all, the very construction: foundation, frame walls, ka-nalizatsiya and running water. Additionally, you can insure the finish, as well as "stuffing" cottages - furniture, appliances, equipment and other valuables, until the carpets and pottery. Even the transportation, for example, a motorcycle or a bicycle path that is stored in a suburban garage, too, may well become the objects of insurance to the list of assets attached to the contract.
Now get out on the porch and look around: literally everything that we see can be prescribed in the contract as the objects of insurance - hozblok, sauna, greenhouse, fence. More recently, insurers offer insurance elements of landscape design - a pond with frogs, flower beds and gazebo. "In addition to the main structure at the request of clients we can insure the elements of landscape design, but with some exceptions, - the company" ORANTA Insurance. " - It must be inanimate objects, structurally attached to the surface, such as a statue, fountain, lantern, and laid on the tracks near her house. "
Interestingly, some insurers even offer to insure a fertile layer of soil. Such a proposal is, for example, the companies' Uralsib Insurance "and" consent. " When an event caused by natural disasters or man-made factors, the owner compensate the cost of replacing the topsoil.
All these options can be included in the contract all together (whole package), or select some individually. Importantly, however, that option is included to insure the house. In other words, to insure a separate fence or a garden bench is impossible.
FIRE, WATER and burglary
Besides the question of what is insured, you must still answer the perennial question: from what? Most clients are offered a standard set of risks - at the head of the list are always fires of various origins: domestic (nepotushennaya cigarette, a spark from the stove, gas cylinder explosion, etc.) or due to the element (eg lightning). The fire - the main enemy of the cottages, and because tariffs on wooden houses are higher than in the stone (brick, block). Further there are all sorts of water hazards: failure in water supply systems, heating, sanitation, flood and other natural disasters. Separately prescribed "shock" effect: the fall of trees, poles and masts, impact of transport and even falling aircraft.
Another important section in the list of risks in an official language is called "wrongful acts of third persons." This term encompasses all kinds of "criminality" - theft, robbery, robbery, hooliganism, vandalism. All of the above - not synonyms, but very different types of offenses. Generally risks are not itemized in detail in the contract, and "Rules of insurance," which are an integral part of the contract. Learn the rules in detail before signing the contract to avoid surprises when the insured event. It happens that some compensation insurance programs can be obtained without resorting to the competent authorities - rather, if the representative of the insurer to come and assess the damages. But in the case with every kind of theft and hooliganism without a statement to the police and the protocol can not do.
As the objects of insurance, all of these risks can be insured package, and you can individually. However, the "wholesale" version is more profitable - one only to fire insurance is not less than half the cost of insurance for the full package of risks.
Who are the judges?
The next question is estimated to amount of coverage? The price of BTI, it is very far from the market, never the basis for not taking. Usually, the insurer offers individual programs, the maximum amount of cover (sum insured) on the basis of how many currently on the market price will be worth building a similar house in the same place. From this amount, using the factors set calculate the annual premiiyu - the price of an annual policy. For example, calculate the cost of insurance on the old stove does not have a wooden house in the suburbs (up to 100 km from the capital) to finish, but not household goods. We choose the smallest, but not the highest sum insured - £ 1 million, multiply it by the market average insurance rate of 0.65% and obtain a premium: 6500 rubles. a year.
Insurance rates usually do not differ in Moscow and regions of the country. But the price of the policy in this area outside the capital, and generally lower, as other tariffs are applied to the estimation of most buildings. That is understandable: the construction and materials in regions less.
The higher the maximum coverage, the higher annual fee. The most common property of the insurer estimates, part or in absentia. In the first case, it leaves in place and inspect the construction and management, describes and calculates at special rates to the cost, based on the average market price, net of depreciation. If the client does not agree with the assessment, you can call an independent appraiser and get his opinion. But the visit will be paid.
The above applies to individual insurance programs. But now on the market gaining popularity Express program, which limit the amount of insurance (usually about 1 million rubles, while the thresholds are different from company to company) and offer the facilitation of the contract. In practice this means that the agent is going nowhere, and property owners appreciate the words. Sometimes you want to photograph the building. Express policy is usually issued for 12 months. Individual programs, justifying its name, is much more variant - you can be insured at least for a few days (but the shorter the maturity, the policy will cost more). But in principle, be insured for the season - winter or summer - the wave is possible.
Keep in mind that the sum insured - not what the customer gets in any more or less unpleasant incident with its countryside management. This is the maximum that it will receive, if killing all cleaned. Perhaps in part why our citizens, and formed the opinion that "you get is always less." However, according to representatives of insurance companies, in most cases, the amount of the premium paid for the customer is much less than the amount of damage that are covered by the contract. Usually it happens: when the insured event comes on the scene, the representative of the insurance company. Small losses (about 100-150 thousand rubles). He evaluates himself. But if the damage is great or property lost at all, if you want a more detailed examination, called specialists, appraisers and conducted a thorough investigation and research. In calculating the compensation are based on the real cost of repairs based on market prices for materials and work, as well as the wear of construction. What if the client does not agree with the conclusions of expertise? The path is the same: the challenge of an independent appraiser, and if you can not come to an agreement with the insurer - the court.