Sberbank - conditions for insuring an apartment or house

Features of Apartment, House and Equipment Insurance at Sberbank Insurance

Sberbank Insurance provides its clients with the opportunity to obtain insurance to protect both an apartment in a multi-storey building and a private residential building that stands separate from other buildings. The service is provided under the Home Protection program.

Registration of an insurance policy in this insurance company has its own characteristics, among which are the following:

It is possible to sign the contract remotely (this also applies to submitting an application for registration and paying for the policy).
The insurance risks included in the protection are fixed. The user can only select the coverage amount.
You can use “Thank you” bonuses to pay off part of the insurance premium (but not more than 10% of the cost of the product).
Contracts are concluded for a period of no more and no less than 1 year.
Protection is activated 15 days after funds are received into the insurance company’s account.
If the amount of compensation does not exceed 100,000 rubles, you can receive funds without providing unnecessary certificates.

You can apply for a policy in just a few minutes. Moreover, before purchasing, the user can independently calculate its cost. To do this, you need to use an online calculator.

Purchasing a policy from an insurance company

How to pay for Sberbank mortgage insurance if you decide to purchase a policy from an insurance company from the list of accredited ones? You can go to the insurer's office and ask for paperwork. But in this case the cost will be higher than when applying through the website.

An electronic policy is attractive not only because of its price, but also because of its ease of registration . We’ll tell you how to purchase it using Ingosstrakh as an example:

Use the calculator on the website to calculate how much mortgage insurance at Sberbank will cost, as described above.
If you insure your life and health, answer the insurance company’s questions regarding existing illnesses and disabilities. You do not need to enter false information, because subsequent payment of insurance compensation will be denied to you.
If issuing an electronic policy under the specified conditions is possible, the system will transfer you to the payment form. Enter the card details (its number, expiration date and secret code on the back of the plastic) and confirm payment.

Recommended article: List of mortgage insurance companies accredited by Sberbank

If additional data is required to conclude an insurance contract, you will be asked to contact a company representative or fill out a request for feedback. In most cases, Sberbank mortgage insurance rates are calculated individually and require the participation of an insurance agent.

In the same way, you can buy a policy on the Sberbank Insurance website.

"Sberbank" - Calculator for calculating the cost of the Policy for an Apartment and a House

To obtain the final cost of the product, you must use an online calculator. To do this you need to proceed as follows:

Go to the website sberbank.ru.
Select “Insurance”.
Click on “Apartment and House” in the window that opens.
Use the “Apply Online” button.

The user will be automatically transferred to a new page. To calculate, you must fill out the form that opens. You will need to enter the following data:

type of insurance object;
amount of insurance coverage;
promotional code (if available).

The total cost of the product will be displayed at the bottom of the form. Also on this page the user can familiarize himself with all the insurance risks included in the policy.

Purchasing a policy from Sberbank Online: instructions

After scrolling through the menu in the “Purchase” section, go to the “Mortgage Insurance” subsection and read the main criteria and insurance rules for obtaining a policy.

Sample of an electronic insurance policy from Sberbank

Insurance rules Sberbank-insurance

After reading, click the “Proceed to Calculation” button. In the open window, review the calculations for your loan, and by clicking the “Buy Policy” button, select a convenient payment method. An amount equal to the cost of the policy will be debited from your account, and an electronic version of the document will be sent to your email, which will automatically be attached to your personal loan file.

Recommended article: Gazprombank mortgage insurance

Also, to compare the cost of insurance, calculate the offer from Ingosstrakh using the calculator below.

Home Insurance Programs at Sberbank - Apartment and House

IC "Sberbank Insurance" provides its clients with the opportunity to obtain insurance under one of several programs. The following products are currently in use at the institution:

"Protection of the home." A classic insurance program that includes insurance against most risks.

"Live comfortably." Product for privileged clients of the institution. Registration is possible only at Sberbank Premier offices. Features increased amounts of insurance coverage.

“Protection of an apartment, house or cottage.” This program is completely consistent with the first one. The only difference is the duration of the contract. The document is signed for 5 years. Payment occurs every year.

“Protection of apartments, Premier houses.” As in the case of “Live with Comfort,” the product is intended for VIP clients.
"Insurance of an apartment in Sberbank Online." Basic insurance option. Issued via Internet banking, valid for no more than 1 month.

The difference between these products is minimal and lies in the maximum amounts of insurance amounts, registration costs and client status. In this regard, it makes sense to consider in more detail only the flood/fire insurance of the apartment and the home protection program.

Apartment flood and fire insurance at Sberbank

The Home Protection program provides insurance for your apartment against various emergencies. The list of insurance risks included in the policy includes not only fire or flood, but also the following factors:

explosion;
hacking, theft and other illegal actions of third parties;
damage to property due to repairs or reconstruction of neighboring apartments;
damage to property due to the fall of an aircraft or its parts;
natural disasters.

In addition, insurance compensation can be obtained in the event of property damage due to a terrorist attack, freezing of liquids in engineering systems of equipment, or smoke.

Home Protection Program - Peace of Mind for Your Home

The program for protecting a private home provides for the inclusion in the contract of the same risks as in the previous case. In addition, regardless of what kind of property the client insures (an apartment or a private house), he can include civil liability insurance in the policy.

With civil liability insurance, the insurance company will pay compensation to a person injured due to an incident involving the insured's real property. The product also includes protection of interior decoration and engineering equipment, movable property (shoes, clothing, interior elements).

What to do if the bank imposes insurance

Despite the illegality of imposing financial protection on life, some employees sin in order to fulfill the plan. What to do if Sberbank imposes mortgage insurance? First of all, you need to remember that you have every right to refuse it. Moreover, this can be done both before signing the documents and within two weeks after the loan is issued ().

You have the right to obtain Sberbank mortgage insurance from any partner insurance company. Managers do not have the right to force the purchase of a policy at Sberbank Insurance.

Of course, when drawing up a mortgage agreement, you won’t be able to read it from beginning to end. But you should pay attention to the main points in the document. If you have not yet signed, request that the insurance policy be excluded.

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If the employee refuses to remove this clause of the loan agreement, contact the management of the Sberbank branch. The most extreme way to defend your right to refuse insurance is a complaint to the Central Bank of the Russian Federation or. At the same time, your reluctance to obtain financial protection cannot in any way affect the approval of the mortgage. Remember what insurance is required for a mortgage from Sberbank, and do not be afraid to file a claim if a policy is imposed. In these cases, the decision is always made in favor of the client.

Policy for Apartments and Houses from Sberbank - Buy Online

The price of insurance does not depend on what type of property will be insured. You will have to pay the same amount for taking out a policy to protect a private home as for insuring an apartment. The size of the insurance amounts for interior decoration, movable property and civil liability is important.

The insurer provides clients with the opportunity to choose one of three policy options:

with an insured amount of 600 thousand rubles, you will have to pay 2,250 rubles;
the cost of obtaining protection for 1,400,000 rubles is 4,950 rubles;
the most expensive option is coverage in the amount of 2 million rubles. For this option you need to pay 6,750 rubles;

The exact price can be found when submitting an online application. The procedure for drawing up a contract is as follows:

Go to the website sberbank.ru.
Select the “Insurance” category.
In the menu that opens, click on the item “Apartment and house” .

The user will see a page describing the program. It is recommended that you read the information provided and then click on “Apply online”. The client will be transferred to the registration page with the questionnaire. It needs to be filled out.

First of all, the parameters of the insurance contract are selected:

type of insurance object;
coverage amount;
promotional code (if available, enter manually).

After selecting the contract parameters, the cost of the product will be displayed at the bottom of the form. To continue checkout, you must click on the “Buy” button. The next step is to enter personal data. On the new page of the questionnaire you will need to enter:

information about the policyholder (citizenship, full name, date of birth, gender);
passport details;
official registration address;
contact details (phone number and email address).

After entering the information, you must click on the “Continue” button. On the new page of the questionnaire, it is recommended to carefully check the entered data, then check the “Confirmation” box and use the “Continue” link.

A verification code will be sent to the user's phone. After entering it, you must click on the “Proceed to payment” button.

Payment for the product is made using a bank card (any bank). The policy will be sent to the email address specified by the user when filling out the form, immediately after the funds are received in the insurance account.

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

The choice of a specific insurance package depends on only two factors. When purchasing you need to consider:

The nature of the building that will be insured (apartment or separate private house).
Desired amount of insurance coverage.

The first nuance does not affect the cost of the product, however, choosing the wrong category may result in the client being deprived of insurance benefits. The amount of coverage should be selected based on the approximate value of the property insured. This parameter affects the price of the policy.

It is worth remembering that the insurer reimburses the cost of damaged property taking into account the degree of wear and tear. In this regard, it makes no sense to select a package with insurance coverage that exceeds the price of real estate and movable property (the insurance company will not pay more anyway).

"Sberbank Insurance" - Questions and Answers on Property and Real Estate

If the user has any questions, he can ask them using the hotline number - 8-800-555-555-7. However, before doing this, it is recommended that you familiarize yourself with the answers to popular user requests that can be found on the organization’s website.

To access the service, you must do the following:

Go to the website sberbank.ru.
Select “Insurance”.
Use the “Popular questions about insurance” in the menu that opens.

The user will see a complete list of questions and answers to them for all insurance programs. At the top of the page there are links that allow you to go directly to the desired section.

After using the link, a list of questions will appear in front of the user. To see the answer, you need to left-click on the wording of the request. A window will appear below it containing information on this issue. In the lower right corner there is a “Chat” button. You can use this service if the required answer was not found.

How to find out the cost of the policy

The cost of apartment insurance for a mortgage with Sberbank depends on the following factors:

current debt balance. If you are just applying for a mortgage, then the initial loan amount;
materials of walls and ceilings;
presence of fire sources (stoves, fireplaces, etc.);
other technical characteristics.

Typically, for apartments, a coefficient of 0.25% of the amount of the current loan debt is applied. When purchasing a private home, the mortgage insurance percentage at Sberbank is calculated individually. As a rule, it is higher than when insuring an apartment, because the risks of losing the collateral are much greater. For example, a country house may burn down or fall into a flood zone.

Information. The procedure for calculating tariffs and contributions is prescribed in legislation, including.

The price of life insurance for a mortgage at Sberbank is formed taking into account the following conditions:

the amount of current debt;
client age;
profession of the insured and the presence of increased risk factors.

The policy will be more expensive for those who, due to their duties, often face a threat to their life. For example, police officers, employees of the Ministry of Emergency Situations, etc.

The cost of life insurance at Sberbank for a mortgage can be raised if the client is into extreme sports. The fact is that accidents during piloting or highly traumatic competitions are not taken into account by the policy. But some insurance companies may include these risks, and then the price of the service will be higher.

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It is better to calculate life insurance for a mortgage in Sberbank through several insurance companies. This way you can choose the best offer. Moreover, for this you do not need to personally go to the insurer’s office, you just need to go to its website and make simple calculations. You can find an apartment insurance calculator for a mortgage with Sberbank on the official Internet portals of accredited insurance companies, including Ingosstrakh.

How to find out the cost of the policy:

On the main page of the Ingosstrakh website there is a large blue field where you can set the primary insurance conditions.
Select Mortgage from the drop-down list. Then indicate the city where the property is located. Click Continue.
Indicate whether you are purchasing a policy for the first time or want to renew the contract.
In the next field, select Sberbank of Russia.
Next, enter information about the insurance conditions. Select the type of real estate (apartment, house), whether ownership rights exist (whether it exists or not, for example, for apartments under construction). Specify the interest rate on your loan agreement.
Write down the balance owed on the mortgage.

The service can be used as a life insurance calculator for a mortgage with Sberbank and to calculate the cost of financial protection of the collateral.

Select the type of insurance, borrower or property. If you want to issue them at the same time, put the slider in the active position for both types of insurance.
Enter information about the borrower: year of birth, gender.
Specify the validity period of the policy.
Click Calculate.

The result of calculating apartment insurance for a Sberbank mortgage using the online calculator will appear on the screen. If you previously chose financial protection for the life and health of the borrower, the price of this policy will be indicated on a separate line.

If desired, you can add additional options to the contract. For example, Ingosstrakh offers to insure the interior decoration of an apartment and movable property, and civil liability to neighbors (). The price of apartment mortgage insurance at Sberbank will be 15% lower if you issue an electronic version of the policy. It has the same legal significance as a paper form of the document, because it is signed with the electronic signature of a representative of the insurance company. However, before handing it over to the Sberbank office, the borrower must first sign the printed policy.

The cost of apartment insurance for a Sberbank mortgage and other insurance companies is calculated in a similar way. If you are satisfied with the result, you can proceed to the preparation of insurance documents.

"Sberbank" - Policy Activation for Apartment, House and Cottage

If the client purchased the policy not through the company’s website, but in one of its branches, it will have to be activated. To do this, you need to go to the official website of the insurance company www.sberbankins.ru, and then select the “Policy Activation” at the top of the main page of the resource that opens.

After moving to a new page, you should select a specific product (in this case, “Home Protection”), then fill out the form by entering the following data:

policy number;
type of property;
the amount of the insurance premium;
activation code;
date of purchase of the document;
Full name of the policyholder and date of birth;
telephone number and email address;
insurance region.

After entering all the data, click on the “Activate” button. Activation must be carried out within 14 days from the date of purchase of the policy.

How to apply for a policy

Previously, it was possible to protect your property under the “Home Protection” program from Sberbank Insurance only by personally contacting the insurer’s office. Now you can apply for a policy online, without leaving your home. Let's consider each option separately.

Design methods

Issuing a policy remotely is becoming increasingly popular today. To do this, you just need to have free access to the Internet and perform the following sequence of actions:

Go to the official website of Sberbank Insurance.
We indicate the type of object insured and the amount of insurance coverage.
Enter the promotional code (if you have one) and click on the “Buy” button.
Fill out the order form (indicate your contact details and other mandatory information).
We check that there are no errors, then click “Continue”.
We receive a letter to the specified email. We pay.

Done, the registration procedure is completed. The policy will take effect 2 weeks after payment is made.

If you do not trust electronic documents, you can also receive a “Home Protection” policy from Sberbank Insurance in paper form. To do this, contact the insurer's office, providing a standard application indicating your passport details, name of property and other information. You can familiarize yourself with the application form and the list of additional documents that the insurer has the right to request in the current “Insurance Rules”.

Policy activation and renewal procedure

When applying for insurance online, no additional actions are required from the client. If you received the policy in paper form (at the insurer’s office), do not forget to activate it within the next 2 weeks. For this:

Open the Sberbank Insurance website and go to the Activation section.
In the list provided, we find the Sberbank program for home protection and click on it.
Fill out the form provided, check the data, and click the “Activate” button.

As for the renewal of the policy, things are different here. Initially, when you request a policy from the insurer, you automatically enter into an agreement with him to provide the relevant services. Whether it provides for an extension is determined individually in each case. You will be advised on this issue in more detail by calling the number or in your personal account on the Sberbank Online website.

Requirements

None of the victims will refuse to receive financial compensation after the occurrence of an insured event. However, the Home Protection program imposes certain restrictions on the subjects and objects that can participate in it. So:

Only citizens of the Russian Federation who have reached the age of majority and have full legal capacity can take out a policy.
The insurance does not apply to housing that is in dilapidated or unsafe condition.
Both the insurance object and the client involved in its registration must fully comply with the conditions specified in the current “Insurance Rules”.

If the insurer reveals a violation of at least one of the points, the policy will be refused.

Documentation

If you apply for a policy through the website, you will not need to have any documents (except for those needed to fill out the electronic form) on hand. However, if the policyholder has questions regarding your application, he, according to the insurance contract, has the right to request additional documents. Which ones are determined individually for each case. The full list of documents is listed in clause 6. current Insurance Rules.

"Sberbank Insurance" - Insured Event in an Apartment and House, What to Do?

When an insured event occurs, you first need to call the competent authorities to eliminate its consequences (fire department, police, etc.), and then make sure that no one was hurt. If possible, remaining property should be salvaged. You should not throw away damaged items or try to repair them yourself.

Further procedure:

Report the incident to a company employee by calling 8-800-555-555-7 and listen to his recommendations.
Take photographs of the damaged property.
Collect documents and prepare a written application.
Send the collected package of documents (along with the application) through the “Personal Account” on the insurer’s website or by registered mail to the branch at the address: Moscow, Pavlovskaya street, building 7. You can also send the documentation to any branch of Sberbank.

Within 15 days, the insurer's employees will make a decision on reimbursement of payments. After this, the funds will be transferred to the account specified by the policyholder.

Applying for insurance for an apartment in Sberbank online

As already mentioned, you can conclude an insurance agreement at a Sberbank branch, or you can do it via the Internet. According to reviews, many have already tried this method and found it convenient. The algorithm in this case is as follows:

go to the Internet page called “Sberbank Insurance”;
select the type of insurance and enter the promotional code;
we select the object of collateral (for example, an apartment) and study the list of risks that are included when concluding an agreement;
we note the amount of insurance protection (part will be intended for decoration, the second - movable property, the third - civil liability in order to compensate for damage caused by third parties);
enter the promo code again;
study the information about the total amount and validity period of the insurance and click the “Apply” button.

Then, after the request arrives some time later, confirm the completed operation and check with the manager if he has a copy of this document.

Reviews about Property Insurance at Sberbank - Apartment and House

You can better learn about the quality of services provided by the insurer by reading reviews from its clients. The majority of citizens who have used the company's products are dissatisfied with the cooperation. They pay attention to the following nuances:

Poor customer treatment. It consists of providing false information, deliberately misleading clients (this especially applies to the timing of the entry into force of the insurance contract).
Refusal to provide monetary compensation. In most cases, due to non-recognition of an emergency as an insured event. There is also a delay in the decision-making process on the application.
Contracts are not always sent to an email address. Some users had to call the insurance company to send the document. There have also been cases of changes being made to the policy without the knowledge of the policyholder.

Understating the amount of compensation. Another common problem. Many users complain that the insurance payment does not correspond to the real extent of the damage.

It should be noted that many citizens, in turn, are satisfied with the cooperation and received insurance payments without any problems. They also had no difficulty obtaining an insurance policy. Despite this, most commentators assess the organization’s work negatively.

"Sberbank Insurance" - Is it worth buying a policy for an apartment and a house?

At Sberbank Insurance you can insure your apartment or private house against the most common risks. Thanks to remote registration, the user will not have to waste time on personal visits to the Sberbank office. The user can calculate the cost of the product himself and select the most suitable program.

Despite the relatively low cost of the service, many citizens are not sure whether they need real estate insurance. You should think carefully about this issue. In the event of a fire, flood, or natural disaster, property may be damaged, which will require hundreds of thousands of rubles to be repaired.

An insurance policy cannot protect against emergency situations. Moreover, insurance will not allow the return of lost items. However, thanks to insurance payments, it will be possible to make repairs and buy new property, and in some cases, to pay compensation to neighbors who suffered from the actions of the policyholder.

It is much cheaper to spend several thousand rubles a year than to subsequently seek large sums to eliminate the consequences of an emergency. An insurance policy allows you to maintain your financial situation in case of unforeseen situations.