Reso guarantee dacha insurance. Home and cottage insurance. I rented a country house for a long term, can I insure it for my benefit?

Advantages of insuring suburban buildings in RESO-Garantiya:

1. an extensive list of insurance objects - in addition to insuring any buildings, you can insure fences and railings, tools, technical equipment, landscape structures, greenhouses, swimming pools and much more;
2. wide scope of insurance coverage;
3. provision of installments up to six months;
4. Having concluded an installment agreement at the dacha, you can pay the remaining fees at the branch or at the central office of the company;
5. payment of compensation within 15 days after signing the insurance act.

What can be insured under the RESO-Dom policy?
The RESO-Dom policy makes it possible to reliably protect your property outside the city:

• dacha, cottage, garden house, their interior decoration and movable property
• bathhouse, utility block, garage, as well as any technical equipment of buildings
• fences and enclosures
• landscape structures.

How does insurance coverage work?
The RESO-Dom policy will compensate for losses in the event

• A. fire
• B. hooliganism and vandalism
• IN. property theft
• G. natural disaster, including prolonged rains unusual for the area, heavy snowfalls, etc.
• D. accidents of heating, water supply, sewer and other networks
• E. collision with vehicles, falling trees and other objects.

You yourself determine the amount of insurance coverage you need.
For each insurance object, you can choose your own option:

• A— recommended for bathhouses, garages, outbuildings
• A+B+C+D- recommended for a summer house or garden house
• A+B+C+D+E+E- for an expensive cottage

Where to start?
Invite our insurance representative and take the time to talk with him. This will help you:

• correctly assess the value of a country house and property
• agree on a payment schedule that suits you
• find out in advance what needs to be done in the event of an insured event and how to receive compensation.

The amounts insured and the insurance premium are not an official offer of RESO-Garantiya. Please check the final cost of the policy with your insurance representative or at the RESO branch nearest to you.
You can order a consultation on the service directly on our website.

RESO-House-Economy

The RESO-Dom-Economy policy allows insure dachas costing up to 900,000 rubles at optimal rates.
Dachas worth up to 300,000 are insured without inspection, and buildings worth from 300,000 to 900,000 either with or without inspection, with the provision of two photographs. If the insurance agent has not inspected the home being accepted for insurance, the policy period begins seven days after it is issued.
The policy is simple to issue. Within a few minutes, while at home or at work, you can insure the dacha from almost all risks or choose the most relevant insurance protection option for you.
The policy can include up to three buildings worth up to 900,000 rubles each, and your property located in the country.
The amounts insured and the insurance premium are not an official offer of RESO-Garantiya. Please check the final cost of the policy with your insurance representative.

Registration of an insurance policy OSAGO Reso-garantiya via the Internet

RESO-Garantiya. The main advantage of VHI.

1. an extensive list of insurance objects - in addition to insuring any buildings, you can insure fences and railings, tools, technical equipment, landscape structures, greenhouses, swimming pools and much more;
2. wide scope of insurance coverage;
3. provision of installments up to six months;
4. Having concluded an installment agreement at the dacha, you can pay the remaining fees at the branch or at the central office of the company;
5. payment of compensation within 15 days after signing the insurance act.

What can be insured under the RESO-Dom policy?

The RESO-Dom policy makes it possible to reliably protect your property outside the city:

• dacha, cottage, garden house, their interior decoration and movable property
• bathhouse, utility block, garage, as well as any technical equipment of buildings
• fences and enclosures
• landscape structures.

How does insurance coverage work?

The RESO-Dom policy will compensate for losses in the event

• fire (A)
• hooliganism and vandalism (B)
• property theft (B)
• natural disaster, including prolonged rains, heavy snowfalls, unusual for the area, etc. (D)
• accidents of heating, water supply, sewer and other networks (D)
• collision with vehicles, falling trees and other objects (E)

You yourself determine the amount of insurance coverage you need.

For each insurance object, you can choose your own option:

A+B+C+D+E+E- for an expensive cottage

Where to start?

Invite our insurance representative and take the time to talk with him.
This will help you:

• correctly assess the value of a country house and property
• agree on a payment schedule that suits you
• find out in advance what needs to be done in the event of an insured event and how to receive compensation.

The amounts insured and the insurance premium are not an official offer of RESO-Garantiya.
Please check the final cost of the policy with your insurance representative or at the RESO branch nearest to you.

Discounts

Possible discounts on property insurance for individuals (Domovoy, RESO-Dom products):

• A discount of 5% for each year of break-even continuous insurance, but not more than 20% and not lower than the level established by the tariffs.
• A 5% discount for RESO-Garantiya clients who have a policy for any type of insurance, but not lower than the level established by the tariffs.

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:

1. AlfaInsurance.
2. Rosgosstrakh.
3. Alliance (ROSNO).
4. RESO-Garantiya.
5. SOGAZ.

Where is the best place to get home insurance under different conditions?

Within 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:

• "Hello, 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:

1. Repair insurance.
2. Protecting neighbors.
3. “Even a flood” (a comprehensive package of risks - valuables, repairs, finishing, civil liability).
4. 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:

1. 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.
2. 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 undertaken 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.

Servicepoint is an elite suburban service for clients who value the high level of services provided.

Servicepoint dispels the myths about problematic country living. There will be no problems if specialists from various fields with many years of experience take on all the tasks related to comfort, landscaping, protection of your luxury real estate and 1000 other matters.

1. 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.

2. 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.

3. 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.

4. 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).

5. 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.

6. How long should I wait to receive payment?

   15 working days from the date of receipt of the last of the loss documents

7. I want to buy a policy as a gift to 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).

8. 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:
   

   • For 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) .

9. 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.

10. 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.

11. 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.

12. 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.

Insured event

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 may 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 was 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.

Duration of the contract

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 insurance 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 over 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).

The main thing in the matter of insuring suburban housing is to choose a program so that it would be feasible for the family budget, and in which case decent compensation would be paid, preferably without any bureaucratic slingshots. Well, to do this, you need to “dig deeper” into the programs that companies offer and study directly the insurers themselves - how they paid compensation to victims.

This article is a reference and information material; all information in it is presented for informational purposes and is for informational purposes only.

Program selection
The cost of the policy is, of course, important, but don’t be tempted by the cheapness. First of all, you need to choose an insurance program that is convenient and takes into account all your wishes. “It must correspond to the risks to which real estate and property are actually exposed,” says Yuri Goldberg, managing partner of the National Insurance and Credit Agency (NSCA).“There are companies that offer to buy insurance for only a thousand rubles, but it is possible that for such a low price the property will only be insured against earthquakes and tsunamis, which are practically impossible in Moscow,” he says Svetlana Shcherbakova, press secretary of JSC GSK Yugoria. If you expect to receive the maximum payment that will allow you to restore the house, then you need to insure it for its full value.

For expensive objects, “boxed products” are not suitable; as a rule, they do not take into account all the nuances and are designed for lower insurance amounts. But if there is no time to conclude a contract, much less to inspect it, then you can buy a “quick policy”, however, be sure to make sure that all the main risks are included in its program, and the insured amount corresponds as much as possible to the value of the property. You also need to check whether a deductible is provided. “And you should carefully consider the valuation of property, since each company has its own methodology, and in some places the value may be higher and in others less than the actual value. You should also study all kinds of exceptions to the insurance rules. For example, in many companies, insurance coverage ceases to be valid from the moment the house is rented to third parties,” advises Dmitry Shchegelsky, President of the St. Petersburg Chamber of Real Estate.

In general, there are quite a lot of decent insurance programs on the market - there is plenty to choose from. For example, in "Rosno" for owners of inexpensive country houses, buildings and property it is offered classic product "Podvorye" and boxed product - "Podvorye-Express" , and for owners of expensive cottages there is an insurance program "Citadel" , according to which, in addition to buildings and structures on the site and property, it is proposed to insure a land plot, landscape structures, trees, ATVs, scooters, etc. “These programs are presented in several versions: basic, full and extended, differing in the set of risks and service component,” says Artem Iskra, Director of the Personal Property Insurance Department at Rosno.

GSK "Yugoria" has a program "Home is confidence" which can be used to protect a residential or country house, interior decoration, buildings on the site, household property and engineering equipment. “The client himself determines the combination of insurance risks he needs and can insure the property without taking into account wear and tear and without inspection. In addition, policies are issued according to a simplified procedure based on an oral application from the client, and when concluding an insurance contract, documents confirming ownership of real estate are not required; they are required only when paying insurance compensation. And insurance of a brick country house, for example, costs 800 thousand with interior finishing 300 thousand rubles. under this program, the full package of risks will cost 3,240 rubles per year "- says Svetlana Shcherbakova.

You can choose risks by insuring yourself according to the program "RESO-Dom" from RESO-Garantiya, and you can pay for the policy in installments, for which no additional interest is charged. For example, the product " House Express" It differs from the Renaissance Insurance group in that it allows you to insure for up to 500 thousand US dollars without inspection, inventory, photographs and provision of title documents. “In this case, payments are made in the amount of actual damage without deductions and restrictions within the limits of the insured amount. And issuing such a policy takes only a few minutes,” reports Natalya Karpova, executive vice president of the Renaissance Insurance group. Those who are interested in landscape design insurance, need advice from a risk manager and assistance in collecting the necessary documents for payment, can choose the classic insurance program from Renaissance Insurance. Only in this case, a company specialist conducts an inspection and draws up a detailed inventory of the property accepted for insurance.

From the point of view Marina Shmanova, head of the sales department of the MirKasko.ru insurance center, the most interesting are insurance programs that allow you to protect several objects under one policy. "For example, this "Casco+" the company "Yugoria" - one policy provides protection for both the car and or. Or "My Fortress is Express" from the UralSib company, under such a program you can immediately insure your house and apartment,” says the expert.

Among the “boxed” products, one can also highlight the programs of OSJSC “Russia” - "Dachny" And "Protection-Home". “The “Dachny” policy provides insurance for one main suburban building or one main and one additional structure (bathhouse, outbuilding, garage, gazebo, etc.). Insurance coverage covers losses resulting from causes such as fire, explosion, flood, natural disasters, illegal actions of third parties, falling solid bodies, collision or run-over. The “Protection-Home” policy is intended to insure private households and property in them, subject to permanent residence. An insured event is the death or damage of the insured property due to reasons such as fire, explosion, flood, natural disasters and illegal actions of third parties,” says Andrey Lifantiy (OSJSC “Russia”).

Choosing a company
When planning to conclude an insurance contract, it is important not only to choose the optimal program, but also a reliable insurer. “An insurance company must have financial stability and be present on the market for quite a long time,” says Yuri Goldberg (NSKA). And the most reliable companies, according to Svetlana Shcherbakova (“Yugoria”), are federal, operating at least 10 on the market and having an expanded branch network. In addition, when applying for a policy, reliable companies provide the services of agents who can approach the client at a time convenient for him, and as for property insurance, a good insurer must have a certain methodology that allows one to determine the insured value of real estate.

“It’s also worth paying attention to the company’s rating. The likelihood that the leading company will not fulfill its obligations due to bankruptcy is very small, he assures Maxim Gofman, product manager for retail insurance management at RESO-Garantiya Insurance Company. – And another positive characteristic is the large fees for insurance of cottages and dachas, this suggests that many people trust this company with the safety of their property. And of course, when choosing, you should rely on the recommendations of acquaintances and friends who have used the services of insurers.” But here it is important to find a person who has already applied for payment for country property insurance, talk to him and find out how the company behaved in the event of an insured event, because whatever you say, the main thing in insurance is payment as a result of an accident.

The main thing is payment
In order not to be disappointed in insurance when an insured event occurs, you must initially be very careful about the relevant clauses of the insurance contract. “When concluding an insurance contract, you need to pay attention to the conditions under which payment is made upon the occurrence of an insured event (for example, in full for the damaged surface or calculated in proportion to the size of the damaged area), whether payment is made for related elements. It is important when it is necessary to submit a statement about the event, whether an expert is required to inspect the damaged property, and what package of documents will need to be collected for the insurance company,” says Marina Shmanova (MirKasko.ru insurance center). Naturally, the longer the period allotted for filing an application and collecting documents and the smaller the package, the more convenient it is for the property owner.

Having agreed to certain conditions and signed an insurance contract, you must not violate your obligations, otherwise there may be no payment. “At the same time, one of the most important conditions for payment of money is a statement of an insured event within the time period specified in the contract,” says Yuri Goldberg (NSKA). It is also important to provide the insurer with all the necessary documents, including information about the ownership of the house and about the events that occurred that caused the damage (for example, a certificate from the Fire Inspectorate). “And it is necessary to understand that an insurance company employee can humanly sympathize with the client, and if the payment does not seem significant to him, he will turn a blind eye to some violations, but if we are talking about large sums, then it is better not to take risks - here it is especially important to fulfill the conditions agreements verbatim and within the allotted time frame,” advises Yuri Goldberg (NSKA).

Well, you can get a very impressive amount from insurance. The main cause of insured events for suburban real estate is fire (and most often as a result of a short circuit and improper operation and installation of stoves and fireplaces) and water damage, and the average amount of payments, according to Andrey Lifanty (OSJSC Rossiya), is 500,000 rub. . But, of course, more serious payments are not uncommon. “For example, our company insured a house in the Leningrad region - the building itself for 2 million rubles and movable property for 400 thousand rubles. Due to wear and tear on the chimney of the furnace, a fire broke out and the building burned out completely. The policyholder received compensation in full - 2 million 400 thousand rubles ., and for the policy he paid about 9 thousand rubles .,” says Maxim Goffman (“RESO-Garantiya”). – Or another example: a brick house was insured for a million and the cost of the policy was about 5 thousand rubles . At the beginning of April, the area was flooded, and the damage caused amounted to 854 thousand rubles .».

And of course, the more expensive the house and the higher the insurance premium, the more substantial the payments. “For example, recently a ball valve burst in the cottage of one of our clients. The furniture and decoration of the first and basement floors were seriously damaged, the payment amounted to about 36 thousand US dollars . And in March 2010, during the absence of residents, a country stone house in the Moscow region partially burned down. The cause of the fire was a short circuit in the kitchen. The house was insured for 450 thousand dollars , while the policy cost $750, and the payment was $150,338 “- says Natalya Karpova (“Renaissance Insurance”).

Portal summary
The best thing is for nothing to happen at all. But life is life. In order to receive compensation for all possible troubles, you need to carefully select an insurance program and insurance company and comply with all the terms of the contract. There is no need to try to be cunning - you will make things worse for yourself.

Tariffs for insurance of suburban real estate in July 2011 in Moscow

Insurance company	Object of insurance	Insurance rate,%	Insurance risks
UralSib	House (with or without decoration)	0.5-0.9 (1-1.5 for wooden houses)	Fire; explosion; exposure to steam, condensation and/or liquid; illegal actions of third parties, theft, robbery, robbery; exposure to hazardous natural phenomena; collision with other objects
	Property in the house	1-2
RESO-guarantee		0,3-0,6	Fire, lightning strike, gas explosion
	Property in the house	0,4-1,4
	House (with or without finishing), outbuildings	0,3-0,8	Fire, lightning strike, gas explosion, natural disasters; burglary, robbery; illegal actions of third parties
	Property in the house	0,6-1,6
	House (with or without finishing), outbuildings	0,4-0,9	Fire, lightning strike, gas explosion; natural disasters; burglary, robbery; illegal actions of third parties; water damage from plumbing, heating, sewer and fire protection systems; collision, blow
	Property in the house	0,6-2
Insurance group "Progress-Garant"	House	0,3-0,81	Fire, lightning strike, explosion of gas used for domestic purposes; flooding as a result of fire extinguishing, accidents of water supply, heating, sewerage systems, penetration of water from neighboring premises , natural disasters, mechanical damage, illegal actions of third parties (burglary, robbery, robbery, hooliganism)
	Finishing	0,35-0,9
	Property in the house	0,4-1,62
Yugoria	House without finishing	0,18-0,4	Fire, lightning strike; natural disasters, failure of water supply, heating, sewerage and fire protection systems; illegal actions of third parties
	Finished house	0,3-0,5
	Finishing	0,4-0,6
	Property in the house	0,5-0,8
	Outbuildings	0,5-0,6
Insurance company "Russia"	House	0,5-0,7	Fire, explosion, flood, natural disasters, illegal actions of third parties, falling solid bodies; collision or collision
	Property in the house	1,2
	Landscape structures, swimming pools, decorative elements	0,8