Insurance is for many owners of terra incognita, and, apparently, is why there are so many different errors. Especially a lot of suburban housing in insurance, where the features and nuances are much greater than in a city apartment insurance.
Misconception One: Country house is insured for its market value, as well as the Townhouse, and insurance comes out very expensive.
Vitaliy Us, deputy director of the Center for Insurance of financial risks "ROSNO", says that this is one of the most common misconceptions of Russians - the view that suburban insurance is very expensive.
The reason for this confusion is the confusion of the two types of insurance - property insurance and loss of ownership (title insurance). The latter is really focused on market value, but the property insurance means that the contract will specify the cost of reconstruction for this home.
As Alex says Kozmin, head of the Directorate of underwriting property insurance to individuals and groups of mortgage companies "UralSib", the sum insured for buildings is determined by the size of the reconstruction. Insurers do not take into account many factors that traditionally affect the price of the house during the sale. The most important factors for them - a design house, including the material from which the house is built and its age.
Therefore, as a rule, the majority of homes in the suburbs does not exceed the insured amount of $ 100 thousand cottage can be insured at a rate of 0.25% to 1% - depending on the material of the walls, a set of insurance risks, the availability of heating equipment, security, says Vitaly Us . For example, insurance, structural elements and finishes stone building, which has a fireplace, located in a protected village on the main risks (fire, lightning, explosion, falling aircraft; Bay, burglary, robbery, unlawful acts of third parties; Battle of glass, natural disasters, falling trees, poles, hitting vehicles, the costs of rescue, clean-up costs), cost per year to 0.48%. If the insured ROSNO apartment or a car ROSNO client (family member), the rate will be 0.43%.
As for checking the house, then, according to Kozmina the company when you specify the sum insured in the contract of less than 3 million rubles. believes the owner of the house on the floor, and at the buildings insurance more expensive there always leaves the expert.
Misconception Two: The insurance will provide protection and compensation, if the house is robbed.
Here, again, begin the nuances. The fact that the owner can insure your home for a variety of risks, in fact, there are options to insure the various elements of the house. As a rule, property insurance, which was discussed above, includes insurance home construction: walls, roofs, basements, windows and doors, as well as exterior and interior home. In most cases, it applies to these basic elements of insurance. Most often, insurers include in the base of technical equipment and insurance at home: heating system, water supply, sanitation, ventilation and air conditioning systems, plumbing systems, CCTV and the like.
And it is a separate contract for insurance of movable property: furniture, household appliances and electronics, paintings or other art objects, and so on. But as a rule, insurers are willing to insure all personal property in the house: a) at a higher rate, and b) if the house is insured as a whole, ie, construction and technical equipment. "Insurance of movable property is considered a high-risk type of insurance, and tariffs on it higher - about 2% of the value of the property while the house is insured for 0.5-0.9% of its replacement cost. In homes with a permanent residence or in the presence of movable property insurance cost is significantly reduced ", - says Alexey Kozmin.
In addition, the payment of money to the owner depends on what risks are included in the insurance and what does not. If the TV was gone from home, the insurer will pay the cost only if the insurance contract referred to as "burglary" and "robbery", but the owners will get a police certificate that such an incident took place in the house.
For a second: hacking involves technical tracks into the home with the help of master keys, or other technical means, and nothing else. Robbery - a take-away from the TV at home, in the presence of the owner or household, threatening them with violence and so on. There should be a criminal case has the presence to get the value of insured property. If the door was opened by the owners of forgetfulness, and at this time, criminals have stolen so valuable a TV, the insurance company refuses to pay quite legitimately.
Misconception three: You can sleep during the disaster, if the house is insured.
In fact, it is possible, if you carefully read the list of disasters that are in insurance, and there is something that has a place in your case. For example, if a company insures against the risk of tsunamis, earthquakes, floods, hurricanes, and hail in this list is not enabled, and rely on compensation of damage to them is not necessary.
And if there was no flooding, but there were floods and the effect of soil water, and finally basement of the house was hopelessly flooded? Then the insurance company will pay damages to the owner only if the agreement specifies the risk of floods or acts of groundwater, and is arranged in the house drainage system, corresponding formally established standards. And there are a lot of nuances, not all can learn from a conversation with an insurance agent.
One of the most important conditions for the payment of money - the insurance claim in the case stipulated in the contract terms and provide all documents, including documents of title to the house. Since many buildings in the Moscow region remain unregistered (supposedly "unfinished"), then the reason may be denied payment. Sometimes, insurers do not require documentation of ownership of houses built in the cottage and garden associations, but in any case this point is better clarified in the contract.
Misunderstanding four: You can only insure the house and the land is not subject to insurance.
In fact, you can insure a fertile soil - also on the replacement cost. Insured and landscaping work performed at the site: their costs can sometimes exceed the cost of all other rehabilitation work.
Misconception fifth: if a house is insured, we can not worry about compliance with fire safety rules. The second part of this confusion is this: if the house burned down, the insurance will be paid in full.
Each part of the house has its own limit of liability - as a percentage of the total amount of the contract. For a damaged roof or windows insurance company will pay, say, no more than 5%. If the fire has escaped the foundation, the cost of its recovery will not be paid, and this can be a substantial amount - 20-30% of the total. With regard to determining the cost of restoration work, the owner is desirable to have documents showing what work was performed in the house, and an indication of their value, especially if the house were unique elements. Otherwise the value of the home will be determined from the standard costs, and payment will be lower.
And, alas, if firefighters find that the fire occurred due to the fact that you do not comply with fire safety rules, the insurance will not pay.
Misconception sixth: all contingencies can provide yourself and do not insure the house. Vitaliy Us, speaking about the practice of insurance companies, notes that such risks, such as arson, a fire due to electrical fault (even if it is new), the Gulf of basement in an emergency water supply systems in the neighboring area, etc., is practically impossible to prevent , and only then the insurance company can brighten the sad consequences. He adds that the insurance is advisable to carry out country-houses before the onset of severe frosts, as the frost grows significantly the probability of circuit wiring.
In general, of course, a contract of insurance in the country house - a very complicated procedure, so take your opinion for its adequate amount of time and ideally - bring a lawyer or a specialist in insurance, trust. And then there are chances that mistakes and errors will bypass your side, and in case of an accident insurance payment amount will not disappoint you.
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