Let's find out how much it costs to insure a house and what factors influence the price of the policy. Let's compare the proposed tariffs of the companies

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But, unfortunately, no one knows the future. Also, no one is immune from the accidents that inevitably occur in our lives. In this article we will look in detail at how to insure your home.

What it is

Home insurance is a type of property insurance. The client enters into an agreement with an insurance company. It clearly states all possible troubles that can happen to the property.

In accordance with the contract, the client pays the insurance company a set amount of money annually. If an insured event occurs (for example, flooding), the company compensates its client for losses in full.

What can be insured:

• ordinary house;
• Vacation home;
• structures on the plot of land where the house is built. Garages, sheds and outbuildings are the most common objects covered by insurance.

How are payments made when an insured event occurs?

If an insured event occurs, you need to contact the insurance company to receive payment. It is important not to delay this, since insurers often set deadlines within which the situation must be resolved. In addition, in the future it will be more difficult to identify the causes of the event and its scale. It is recommended to use the help of appropriate services to record the damage and control the situation. These could be municipal structures, the police, the municipality, and so on. These services constitute an incident report that will need to be presented to the insurer.

Then you need to submit a claim to the insurance company. After reviewing it, the insurance agent visits the scene of the incident and assesses the amount of losses. Most often, an independent appraiser also takes part in this. The result of his work is the determination of replacement cost.

At this stage, it may become clear that the reason is not included in the list of risks under the contract. In this case, the policyholder will be denied compensation. The same applies to situations where the assessment revealed the owner’s intentional motives or simply his careless attitude. The result of the appeal will be to receive a payment in an amount that will be sufficient to restore the previous characteristics of the house, purchase other property to replace the lost one, and so on.

Please note that when using a deductible, the payment is reduced by its amount, and the policyholder will compensate for the difference himself.

The insurance company indemnifies only those losses that were caused to the insured property. For example, if a house stands on a plot, and you insured the building itself, but not the plot, and the walls of the building and the soil were damaged during a flood, the insurer will only compensate for the restoration of the building. The remaining costs will be borne by the owner.

What can you insure your home against?

Theoretically, from almost everything, because there are a great many different force majeure events. Do you think they are invented by specially trained people? Of course no.

All incredible events once happened in someone's life. And it’s good if the person had the coveted insurance. Therefore, the list of things to insure a country house against is constantly expanding.

Comprehensive insurance will protect your home:

• from water;
• from fire;
• from theft;
• from natural disasters;
• from force majeure.

You can insure your home both against a separate unforeseen circumstance (for example, fire) and against the most common insurance situations.

A complete list of possible troubles will certainly be specified in the contract for full property insurance.

We recommend taking out full insurance. For in the practice of insurers, there are cases when a person insured a property against flooding, but a fire occurred.

In this case, the insurance company does not owe its client anything. And all the costs of restoring the house fell on the shoulders of the unfortunate fire victim.

Every decent company has a person who specializes in assessing client risks. A wise step is to invite their representative before concluding a contract with an insurance company.

He will inspect the house, take photographs and make a list of the most real risks to your property. This procedure is free, since you have not yet entered into an agreement with the company. Any obligations on your part begin only after signing the contract.

The insurance company may also refuse to insure the home. This happens in practice in two situations:

• in the case of a house under construction;
• when the depreciation of the property exceeds 65%.

Comprehensive insurance

With comprehensive insurance, you can choose insurance risks at your own discretion. There are many options, you can protect yourself from any unforeseen circumstances. You can buy ready-made insurance that suits you or you can independently design the risks that will be included in your policy.

When it's useful

You can insure the decoration and equipment, furniture and appliances, structural elements, and civil liability to neighbors.

Typically protected against risks such as: fire, flood, gas explosion, natural disasters, theft, civil liability. But you can insure anything - for example, the policy can cover a lightning strike or a short circuit.

How much does the policy cost?

The cost of insurance starts from several thousand rubles. There are policies for 500–600 rubles. per year, but this is a very simple option with little coverage. For that kind of money you can insure, for example, furniture and equipment for 100,000 rubles.

On average, the cost of comprehensive insurance with good coverage costs 4,000–7,000 rubles. in year.

What does the cost depend on?

The logic behind increasing the cost of a policy is simple: the more risks you want to cover, the more expensive the policy will be. But a lot depends on the housing itself and the rates of a particular insurance company.

If the apartment or apartment has expensive repairs and equipment, it makes sense to take out a policy with an inspection by a representative of the insurance company. If all this is missing, you can do without a visit from the insurer.

Please note that the amount of compensation may be distributed differently. For example, most of it will cover furniture and appliances, but it will not cover damaged finishing after renovation.

When choosing insurance, include risks based on your situation - this will save money. It is more profitable to insure the most important elements of your home: structural parts (load-bearing walls, ceilings, balconies), decoration or movable property (furniture and anything valuable that can be removed in case of theft).

Additional parameters that increase the cost of insurance:

• gasification of the house;
• the presence of wooden floors;
• renting out an apartment;
• planned repairs;
• first or last floor.

You should not hide the presence of these parameters - providing false information will deprive you of the right to insurance.

It is convenient to compare approximate prices on aggregator sites. Calculate several options at once - for example, by changing the parameters of the cost of finishing and civil liability.

Insurance calculation on the website sravni.ru

The greater the amount of compensation we can hope for, the more expensive the insurance itself will be. Because of this, the cost of policies even for the same insurance company may differ by two times.

It makes no sense to overstate the amount of insurance coverage: compensation will be paid based on the actual cost of the damage. Remove or reduce what you don't need - the price of the policy will decrease.

Pay attention to the franchise

Be sure to pay attention to whether the policy provides for a deductible.

According to paragraph 9 of Art. 10 of the Law of the Russian Federation No. 4015-1 of November 27, 1992, the franchise is an amount that is not subject to compensation upon the occurrence of an insured event.

Example

The deductible under your insurance contract is RUB 30,000. You were flooded, but the damage amounted to 25,000 rubles. In this case, you will not have to count on payment. The insurance company will only get involved if the damage is more than 30,000 rubles.

A policy with a deductible is cheaper than a regular policy, but in cases of minor damage you may be left without compensation.

Features of the agreement

An insurance contract is a legal document agreement between the policyholder and the insurer. Its meaning is that the policyholder is obliged to compensate the insurer a certain amount of money when an insured event occurs.

The contract clearly states this amount, as well as the possibility of changing it under certain circumstances.

When the two parties (insurer and policyholder) have come to the conclusion that the upcoming cooperation will be mutually beneficial, the time comes to sign the contract. Next, the insurer is asked to familiarize itself with the insurance application form.

It clearly states all the risks. If he is satisfied with everything, he signs the agreement. The document is then signed by the policyholder. From this moment the insurance contract comes into force.

For convenience, we list the items that must be indicated in the insurance certificate:

• document's name;
• list of risks;
• upper limit of the sum insured;
• insurance premiums: their size and payment period;
• start and end dates of the contract;
• possible changes in conditions (in what cases is this possible);
• signatures of both parties.

Despite the relative simplicity of the insurance contract, it has its pitfalls. We will look at them in the next section.

Sample home insurance contract.

Insurance policy for the bearer for property insurance.

You can read how much real estate title insurance costs in the article: real estate title insurance. Find out what documents are required to insure an apartment here.

Features of Apartment, House and Equipment Insurance at Rosgosstrakh

First, let’s determine what the specifics of this type of insurance are. The following key points are highlighted:

• the policyholder must be interested in preserving the object that is insured, that is, have a property interest in it;
• the damage that may be caused to such an object must have a monetary value. It is determined by the policyholder or an employee of the company;
• Property can be insured in favor of the policyholder or a third party;
• houses and apartments are usually insured for a year, but other periods may be established;
• the amount for which property is insured should not be higher than its value. However, during the validity of the contract this cost may change;
• the insurance premium paid by the client depends on the set of risks against which the property is insured, the type of building, the materials from which it is built, its location and other factors.

Also, the features of property insurance include a deductible - part of the losses that the owner undertakes to cover independently.

What should you pay attention to when drawing up a contract?

As the wise French saying goes, the devil is in the details. The statement perfectly characterizes the pitfalls of the agreement.

Due to small nuances that can be interpreted in different ways, further disagreements arise between the policyholder and the insurer.

Therefore, the number one rule of a happy insurer is to slowly and thoughtfully read the entire contract.

Here are the points that require the closest attention:

• insurance rules. Ideally, they should be clear and unblurred. This suggests that the insurance company has pure intentions;
• insurance amount. The amount of money that the company is obliged to reimburse you if an insured event occurs. It is always clearly stated in the contract. It is agreed in advance between the policyholder and the insurer and cannot be more than the market value of the property (for example, a private house);
• risks. Are all agreed risks clearly stated in the contract? Perhaps something is not taken into account or, on the contrary, unnecessary is written;
• Changing the amount of insurance sum taking into account the obsolescence of the house. Some insurers take into account wear and tear on the property. For example, at the time of concluding the contract, the insured amount is 1 million rubles, and a year later (due to the obsolescence of the house) 900 thousand rubles;
• The procedure for paying the insurance amount in the event of an event. The company will reimburse the entire amount immediately or over a certain period of time (in monthly payments).

All these points must be clearly known before signing the contract. If there are disagreements, the insurer needs to insist on an additional agreement to the contract. Only after it has been drawn up and agreed upon, it is worth signing the insurance certificate.

Rules for property and civil liability insurance of individuals.

Policy for Apartments and Houses from Rosgosstrakh - Buy Online

There are three options for purchasing insurance:

• In the office. Visit any representative office of the company, and employees will help you choose the right program.
• By phone. You need to call 0530 and specialists will advise on the terms of insurance, evaluate the property and issue a policy.
• Online. This method can only insure an apartment.

When visiting a company representative office in person, you need to have a passport and a document confirming your property interest in the insured object, for example, a certificate of ownership of an apartment.

Not only the owner of the apartment, but also the one who rents the property can insure the property. And in each case, the package of documents submitted will be different. The owner presents the following documents:

• rental agreement, you can bring a copy;
• list of property to be leased;
• information about the policyholder and beneficiary.

The person who rents the property submits a rental agreement, as well as a list of property that he received for rent from the owner of the property.

The price of the policy is influenced by many factors: the set of risks included, the base amount, the tariff, the value of the property. For example, a policy insuring the decoration, property and liability of the client costs 4,080 rubles.

Which Product Should I Choose for an Apartment and House at Rosgosstrakh?

The “Active” and “Prestige” packages are similar in many respects. But “Prestige” should be chosen by those who want:

• draw up a contract without examination by a specialist;
• independently choose combinations of risks;
• insure for a non-standard period – less or more than 1 year;
• insure expensive property.

By default, the Prestige program is more expensive, but it can be used to insure expensive objects with exclusive characteristics.

"Rosgosstrakh" - Insurance of Apartments and Houses with a Discount of up to 50%

At Rosgosstrakh, you can buy a policy in installments or significantly save on its cost. One way is to choose the right risks. For example, you do not need to choose the “bay” risk if you live on the first floor. This way, you can avoid overpaying for unnecessary options.

The second method is comprehensive insurance, when two different products are combined into one program. For example, comprehensive insurance “House and Apartment”. For such an agreement they provide a 15% discount. To do this, the client must fulfill the following conditions:

• conclude 2 contracts, one of which must be concluded for the first time;
• The same citizen must be registered as the policyholder in both contracts. Such requirements do not apply to beneficiaries - they can be different.

The third way to save is by installments. Rosgosstrakh has 2 options:

• Installment plan for 3 months, during which you need to make 2 payments. The size of the first must be at least 50%.
• Installment plan for a year. The amount is divided into 4 equal parts, and during the year one part must be paid every quarter. But you need to take into account that the cost of the policy will be slightly higher.

Fourth method: extension of existing contracts. For example, if you extend the Prestige contract for the second year, then a 5% discount is provided, if for the third year, then 10%. But here there is an important condition: the previous contract must be break-even.

Fifth method: franchise. This is the name of the part of losses that is not compensated by the insurer. The cost of the policy may decrease several times.

Required documents

To conclude an Insurance contract, you need to collect a certain set of documents.

First, let's look at the list of documents for the person registered in the insured home:

1. Copy of passport with residence permit (registration).
2. Photos of the house.
3. A detailed inventory of the property to be insured.
4. Valuation of property in monetary terms.

The required set of documents for a person who is not registered in the insured home:

• copy of passport (possible without registration);
• photographs of the home and property;
• inventory of property that is subject to insurance;
• valuation of property in monetary terms;
• a document confirming that you have the legal right to the insured property.

Civil liability insurance

Another insurance object that arose as a result of inexhaustible practice is civil liability insurance.

When an insured event occurs, not only a person’s property may be damaged, but also other people. For example, when there is a fire in a country house, the fire often spreads to neighbors' property.

In this case, the unfortunate fire victim will have to bear not only the restoration of his home, but also compensation for moral damage to his neighbor. Fortunately, today unfortunate fire victims are a rare occurrence.

People insure their properties not only against fires, floods and hurricanes; Increasingly, the risk of civil liability is imbued into the contract.

An insurance certificate taking into account this risk is a universal thing; its lucky owner is not afraid of practically anything.

Sample liability insurance contract.

Insurance of an Apartment against Flood and Fire at Ingosstrakh

You can insure your apartment online. The policies cover most modern insurance risks. Insurance of interior decoration, movable property, and civil liability is allowed. If an insured event occurs, the client is reimbursed for the cost of lost property.

"Ingosstrakh" - Policy Cost Calculator and Online Purchase

You can calculate the preliminary cost of the policy using an online calculator. To access it, you must use the following link – www.ingos.ru/property/calc.

A calculation form will open in front of the user. You must specify:

1. Insurance program (menu “Calculation type”). You can find out about the programs below.
2. Type of payment (every month or in one payment for the whole year).

3. The amount of insurance coverage for each element of the apartment (select from ready-made options).

After clicking on the “Complete” button, a new page will open on which the final cost of property insurance will be indicated. The calculation algorithm for the “Ready Options” program is described above.

Apartment Insurance Programs at Ingosstrakh - Title and Vacation

The company provides clients with the opportunity to take out a policy under one of three main programs. The policyholder can take advantage of the following offers:

• "Ready option." A classic insurance program that includes protection against fire, explosion, natural disasters, actions of third parties and other factors. Interior decoration (up to 600 thousand rubles), movable property (up to 500 thousand rubles) and civil liability (up to 510 thousand rubles) are insured. The policy is issued for 1 year.
• "During vacation." The program is designed for people who need to leave the city for a short time (when going on vacation or a business trip). The insurance period is from 3 to 60 days. Interior decoration (up to 1.2 million rubles), movable property (up to 800 thousand rubles) and civil liability (up to 200,000 rubles) are insured.

• "Liability Insurance". Unlike previous options, this product only includes protection against harm caused to neighbors. Compensation is due if the property of other persons was damaged due to the use of the insured living space, the actions of pets or repairs. The insured amount is from 250 to 450 thousand rubles.

The first option should be used if you need to issue a classic insurance policy, the second - in case of traveling outside the city/country. It should be noted that civil liability is included in all contract options, however, issuing this product separately reduces the cost of the policy.

Home insurance cost

How much does it cost to insure my home? — The most frequently asked question to insurance agents. The price of the policy will depend on the parameters of the house (taking into account all risks) and the company you contact.

As a unit of measurement we take a House with average parameters (such an ideal cottage only happens in theory) and 5 popular Russian companies:

The prices shown reflect the cost of insurance for 1 year. They are calculated using a special calculator, which is offered on the website of almost every insurance company.

If you like the price of any company and need to insure your home, contact their representatives directly (all contacts are presented on the company’s website).

Real estate insurance is a common procedure that has become popular in the West, and then in Russia. The supply of Russian insurance companies on the market is off the charts. Everyone will find what they need.

To insure or not to insure real estate is a conscious choice of every person. But in our unpredictable life, we really want to have at least some certainty. This is why we came up with a special insurance procedure.

You can find out what the cost of insuring an apartment against flooding is in the article: insuring an apartment against flooding. What is an insurance certificate of compulsory pension insurance (SNILS), you can find in this article.

What cannot be insured as an object of property insurance, read here.

Why insure a private home

A private building is always more exposed to natural phenomena than an apartment.
In addition, intruders can break into it. Country houses need insurance most of all, since the owners do not visit them very often. In addition to thieves who can break into a private home, even if you think the locks are the most secure, there are other factors that can cause damage to property: fires, floods, falling trees, and so on. In some cases, people have to spend huge amounts of money to restore their homes. Taking out insurance helps avoid this. Compared to the possible costs, the price of insurance is extremely low. At the same time, it allows you to gain confidence that your problems will be solved, and you will not have to look for money for it.

Owners of private houses can conclude an insurance contract:

• on the house as a whole;
• on supporting structures;
• on the front part of the building;
• to the inside of the building;
• for plumbing or wiring;
• for equipment;
• for valuables stored in the house.

Insurance is especially recommended for owners whose home is located in flooded areas. Cases where spring floods cause significant damage to large buildings are common.

It is also useful to insure a wooden house, since such buildings easily catch fire. But you need to read that for insurers, arson and fire are different concepts.

Thus, buying a strass policy is much more intelligent and profitable than huge expenses for the restoration of housing in the future.

What else to read:

• Apartment insurance against fire and flooding
• How to insure civil liability for apartment owners
• Concept and types of property insurance