Voluntary apartment insurance. Rating of insurance companies

About protection of real estate people think after some incident. Statistics show that people who have independently purchased housing (for cash or on credit) themselves want to issue voluntary apartment insurance. The rating of insurance companies that provide such a service, the terms of service - all these issues we will try to highlight in our article.

Short glossary

The premium is the client's contribution to the company in accordance with the insurance contract. Its size is individually calculated in each case.

Compensation is a monetary compensation for damage paid under the contract after the occurrence of the insured event.

Tariff - the rate of contribution from the unit of value of the contract.

Apartment insurance against fire, natural disaster or other risk is usually issued for a period of one month to one year.

Customers

Insurance of an apartment for a mortgage is a prerequisite for obtaining a loan. But among the clients of the companies there are persons who have independently purchased housing. They realize the value of property, they are ready to spend money on additional measures of protection. To obtain the policy, you can insure only the finishing or property. But many clients include bearing walls in the contract. This greatly increases the cost of the service.

Alternative

Voluntary insurance of an apartment is an expensive pleasure. Wishing to spend immediately a large amount to protect the property is not much. For such clients, insurance is provided, which is paid on a receipt along with utilities. This innovation is not yet valid in all regions. It is more suitable for people who want to issue voluntary insurance for an apartment, the rating of insurance companies is reviewed, but they do not have time to issue papers.

To participate in the program it is necessary to indicate the amount of the contribution, note the risks that are to be protected in the receipt. You can pay for the service simultaneously with the housing and communal services. This option does not take into account the individual characteristics of real estate. Therefore, it is not worthwhile counting on a large payment when an insured event occurs.

What is protected?

1. Walls and load-bearing structures, which make up the bulk of the cost of the apartment. The risk is the damage to these elements. Even with minor disruptions, high payouts are provided.
2. Finishing: windows, wallpaper, communications, etc. Such protection will help to compensate for damage, for example, from flooding.
3. Property: from household appliances to jewelry.
4. Civil responsibility. The company will pay compensation if you accidentally caused damage to the property of neighbors.

The amount of payment varies depending on the area in which the facility is located. Underestimate the company's figures is unprofitable, since in this case the premium decreases. In order not to make mistakes in calculations, insurers personally come and examine the object. Household appliances are insured for 10-20% of the cost. Expensive items are indicated in a separate paragraph. Their value is determined by checks.

Risks

1. Fire, explosion of household gas, lightning strike, arson.
2. Natural disasters.
3. Damage from water from water, sewage, heating systems.
4. Actions of third parties.

Features of contracts

Financial capacity of the client is the only restriction that applies to apartment insurance. The rating of insurance companies consists of several hundred financial institutions with different service programs. You can use standard service packages, select designers or use an agent to create an individual contract. Risks that are not subject to protection are stipulated in the legislation - damage to the site as a result of a nuclear explosion, military actions, natural corrosion.

Statistics

Approximately 80% of all property insurance contracts fall on the mortgage segment. Another 10% - deals made with the owners of luxury real estate. But this segment is not strongly influenced by the market.

Most potential consumers of the service do not even think about it. There are several reasons for this. First, citizens do not trust this segment. Secondly, no one lobbies the law "On compulsory property insurance", in contrast to "avtograzhdanki." It turns out that the car owner represents how much it costs to protect the vehicle, and the owner of the apartment - no. But this does not mean that the service is ineffective.

Who needs it?

Experts believe that to arrange insurance is for all owners of real estate. After all, the risk of suffering from a flood, fire, or itself to harm the property of third parties is always present. Insurers also recommend protecting apartments that are rented even for several months, especially if they do not have reliable locks, fire, burglar alarms, gratings on windows, metal doors. The objects located near to pipeline, heating mains, airports, airways are subject to even greater risks. The contract of insurance of the apartment includes even protection against the fall of aircraft and their wreckage. These factors greatly increase the size of the premium. The owners of offices argue that sometimes the cost of strengthening the security system is less than the cost of the service.

Kinds

Mortgage insurance. Banks oblige customers to formalize such an agreement when buying a dwelling on credit. The document provides for payment in case of loss of work, property rights to property, etc. Agreements are concluded for the entire period of using borrowed funds.

Insurance of apartment . Insurance companies under these contracts make payments in case of fire, flooding, theft, robbery, natural disaster. The program of service is selected individually.

Home insurance is a service similar to the previous one. Any building (its element) that is located in a city or a village is subject to protection.

Title insurance - used only when buying a property. This deal protects the interests of owners in case of loss of real estate rights by court order. For example, if an apartment was bought a few years ago, and ownership changed hands. There is a risk that the transaction of one of the former sellers can be challenged. If the property was purchased from a construction company, there is no need for such a service.

Apartment insurance: rating of insurance companies

The Bank of Russia annually publishes on its website a list of the most profitable companies. This rating is compiled for such indicators as the amount of premiums paid, the percentage of contracts concluded, the percentage of refusals, etc. According to official data, the leaders in the market by economic indicators are Rosgosstrakh, SOGAZ, Ingosstrakh, RESO. At the same time, Russians trust such companies: "Hephaestus", "Energogarant", "Yugoria".

When choosing a company, it is worth paying attention to the responses of relatives, acquaintances, and clients on websites. There were cases when an apartment was insured in two companies, and in the event of an unforeseen situation, one paid the refund in full, and the second even refused to consider the case.

It is very important to study the documents, the requirements for filing an application, the procedure for calculating the amount of damage, the documents confirming the fact of its application. In practice, the more a company requires securities, the more problems will be in the future with a payment.

Apartment insurance against flooding on receipt

The introduction of this service not only protects the property interests of citizens, but also reduces the budget costs for the restoration of damaged property. To take part in a public offer, everyone decides on their own. Advantages of such a transaction is mass. There is no need at the first stage to spend large sums on apartment insurance, the rating of companies is not necessary to study. To conclude a contract, you just have to pay the first installment. The amount has already been paid to the EDP, which is sent to all residents.

The apartment will be considered protected from the first day of next month. That is, if the funds are paid in October, starting from November 1, the apartment insurance starts to operate. Customer feedback confirms that this scheme is very convenient. In order to use the service permanently, you have to pay installments monthly, together with the housing and communal services.

The scheme is also called preferential. The companies are developing a single tariff (1.5-2 rubles per square meter), which significantly reduces the cost of the service. The public offer includes standard risks: protection from fire, gas explosion, lightning stroke, natural disasters. Sublessees can also arrange apartment insurance. The reviews confirm that you can calculate the contribution amount yourself. It is enough to multiply the tariff for the total area of housing. For example, for a two-room apartment of 50 square meters. At a rate of 1.5 rubles. The amount of the contribution is: 1.5 x 50 = 75 rubles. per month.

The amount can be paid in one payment right away for the whole year. Under the preferential program, unlike the standard program, tariffs rarely change. The testimonials of people confirm that with voluntary insurance advance payments are not always appropriate. Sometimes customers pay for the service one year in advance, and then the tariffs changed in the smaller side. That is, you could not save money.

It is very important to pay for the service in a timely manner. If the next installment is not paid, the contract is suspended and the previously transferred money is not returned. If after a few months a person again wants to insure housing, it's enough to start making money again. Debt for the period of downtime is not accrued. But the client will not receive refunds in the event of an insured event. Compensation is paid within seven days after the calculations.