Voluntary apartment insurance. rating of insurance companies

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

People think about the protection of real estate after some incident. Statistics show that people who have purchased housing on their own (for cash or on credit) themselves want to take out voluntary apartment insurance. Rating of insurance companies that provide such a service, terms of service - we will try to cover all these issues in our article.

Short Glossary

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

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

Tariff - rate of contribution per unit cost of the contract.

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

Customers

Insurancemortgages are a prerequisite for obtaining a loan. But among the clients of the companies there are persons who independently purchased housing. They are aware of the value of property, ready to spend money on additional protection measures. To obtain a policy, you can insure only decoration or property. But many clients include load-bearing walls in the contract. This greatly increases the cost of the service.

Alternative

Voluntary apartment insurance is an expensive pleasure. There are not many who want to spend a large sum at once on the protection of property. For such clients, insurance is provided, which is paid according to the receipt along with utilities. This innovation is not yet available in all regions. It is more suitable for people who want to take out voluntary apartment insurance, they look at the rating of insurance companies, but they don’t have time to complete the paperwork.

To participate in the program, you must specify the amount of the contribution, mark the risks that are subject to protection in the receipt. You can pay for the service at the same time as utilities. This option does not take into account the individual characteristics of the property. Therefore, you should not count on a large payment in the event of an insured event.

What is protected?

1. Walls and load-bearing structures that make up a large part of the cost of the apartment. The risk is damage to these elements. Even with minor damage, high payouts are provided.
2. Finishing: windows, wallpaper, communications, etc. This protection will help to compensatedamage such as flooding.
3. Property: from household appliances to jewelry.
4. Civil liability. The company will issue a refund if you inadvertently damage a neighbor's property.

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

Risks

1. Fire, gas explosion, lightning strike, arson.
2. Natural disasters.
3. Water damage from plumbing, sewer, heating systems.
4. Actions of third parties.

Features of contracts

The financial capacity of the client is the only limitation 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, choose designers or draw up an individual contract with the help of an agent. Risks that are not subject to protection are stipulated in the legislation - damage to an object as a result of a nuclear explosion, military operations, natural corrosion.

Statistics

Approximately 80% of all property insurance contracts fall on the mortgage segment. Another 10% - deals concluded with the owners of the elitereal estate. But this segment does not strongly influence the market.

Most potential consumers of the service do not even think about it. There are several reasons for this. Firstly, citizens do not trust this segment. Secondly, no one is lobbying the law "On Compulsory Property Insurance", in contrast to the "avtocitizen". It turns out that the car owner imagines how much it costs to protect the vehicle, but the landlord does not. But this does not mean that the service is inefficient.

Who needs it?

Experts believe that all property owners should take out insurance. After all, there is always a risk of suffering from a flood, fire or harming the property of third parties. Insurers also recommend protecting apartments that are rented even for several months, especially if they do not have reliable locks, fire, burglar alarms, window bars, metal doors. Objects located near pipelines, heating mains, airports, air routes are even more at risk. The apartment insurance contract even includes protection against the fall of aircraft and apparatus and their debris. These factors greatly increase the size of the premium. Office owners claim that sometimes the cost of strengthening the security system is less than the cost of the service.

Views

Mortgage insurance. Banks oblige clients to draw up such an agreement when buying a dwelling on credit. The document provides for payment in case of loss of work, rightsownership of property, etc. Contracts are concluded for the entire period of use of borrowed funds.

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

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

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

Apartment insurance: rating of insurance companies

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

When choosing a company, you should pay attention to reviewsrelatives, acquaintances, as well as customers on the sites. There were cases when an apartment was insured in two companies, and in the event of an unforeseen situation, one paid the compensation 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 infliction. In practice, the more paperwork a company requires, the more problems there will be in the future with receiving payments.

Insurance of the apartment 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. Whether to take part in a public offer, everyone decides independently. There are many benefits to such a deal. There is no need to spend large amounts on apartment insurance at the first stage, you do not need to study the rating of companies. To conclude a contract, you just need to pay the first installment. The amount has already been contributed to the EDP, which is sent to all residents.

The apartment will be considered protected from the first day of the next month. That is, if the funds are deposited in October, apartment insurance begins to operate from November 1. Customer reviews confirm that this scheme is very convenient. To use the service constantly, you need to pay monthly fees together with housing and communal services.

The scheme is also called preferential. Companies are developing a single tariff (1.5-2 rubles/sq.m.), which significantly reduces the cost of the service. The public offer includes standard risks: protection against fire, gas explosion,lightning strikes, natural disasters. Subtenants can also take out apartment insurance. Reviews confirm that you can calculate the amount of the contribution yourself. It is enough to multiply the tariff by the total area of \u200b\u200bhousing. For example, for a two-room apartment of 50 sq. m. at a rate of 1.5 rubles. the amount of the contribution will be: 1.5 x 50=75 rubles. per month.

The amount can be paid in one payment at once for the whole year. Under the preferential program, unlike the standard one, tariffs rarely change. Feedback from people confirms that with voluntary insurance, advance payments are not always appropriate. Sometimes customers paid for the service a year in advance, and then the tariffs changed downwards. That is, it was not possible to save money.

It is very important to pay for the service on time. If the next installment is missed, the contract is suspended, and the previously transferred money is not returned. If after a few months a person wants to insure housing again, it is enough to start contributing funds again. Debt for the period of downtime is not charged. But the client will not receive compensation in the event of an insured event. Compensation is paid within seven days after the settlement.