At home their insurance is in the reso guarantee. We choose a profitable home insurance program: reso-guarantee, vtb-insurance, ingosstrakh, sogaz, etc.
You can insure not only the health and life of the insured, but also his property. RESO-Garantia is an insurer that, according to the individual needs of the client, provides insurance for any type of property. The company insures houses on plots, apartments, as well as mortgage property. Each type of property has its own insurance nuances and a set of insured events. Learn more about RESO insurance.
Apartment in apartment building- it is always a neighborhood with other tenants. Often, due to the negligence of one resident, the owners suffer, as well as the property of other apartments. RESO-Garantia offers customers insurance that covers not only the cost of repairs in the event of insured event, but also reimbursement of expenses of neighbors who suffered through the fault of the insured.
Home insurance from RESO-Garantia in an apartment building is represented by six types of offers.
Insurance policy "Domovoy"
This is a type of property insurance in which the client has the opportunity to choose the objects of insurance, as well as sum insured.
The list of areas of insurance includes:
- Apartment construction.
- Finishing.
- Technical equipment.
- Movable property.
- Civil responsibility.
- The life or health of the tenants of the apartment.
This is a universal policy that allows you to combine the areas of insurance, as well as the amount of payments.
Real estate insurance "Domovoy-Premium"
The insurance policy includes a full range of property insurance services and is represented by two offers: A and B. It insures the construction of the apartment, movable property, finishing and civil liability.
Option "Domovoy-Premium" A more expensive: its cost varies from 27,000 to 35,000 rubles, depending on the availability of a franchise. total amount insurance payment - up to 21,500,000 rubles.
Option B assumes that the construction period of the apartment building is not earlier than 1930, and the area of the premises is not more than 150 m2. Maximum amount compensation for damage - up to 13,900,000 rubles. The cost of this option varies from 12,800 to 17,000 rubles per year.
"Domovoy-Express" - quick insurance of property of individuals
The policy insures the construction of the apartment, movable property, decoration and civil liability. Insurance "Domovoy-Express" is also presented in two versions - A and B:
- Option A. In the first case, it is assumed that the construction of the apartment occupies no more than 120 m2, and the age of the house is no more than 55 years. The maximum total payout amount is 14,900,000 rubles. The cost of insurance in the presence of a franchise will cost 7,800 rubles, in its absence - 9,800.
- Option B. The cost of the policy and the amount of insurance payments are reduced, but the list of insured events remains the same. So, the policy "Domovoy-Express" B will cost from 6,000 to 7,500 rubles.
The maximum amount to cover expenses for insured events is 6,550,000 rubles.
Policy "Domovoy-Economy"
Economy insurance is represented by one universal offer, which is suitable for insuring most apartments. Insurance is provided for two amounts of compensation for damages due to the construction of the apartment. The first of them involves insurance for up to 2,100,000 rubles, the policy itself costs 4,500 rubles. The second is 3,000,000 rubles, and its cost is 6,000 rubles.
Damage coverage for finishing is 450,000. For movable property, up to 300,000 is indemnified, the same amount is provided for coverage civil liability.
Tranquility on the trip "Brownie-Vacation"
The offer "Brownie-Vacation" is made for those apartment owners who care about the safety of their property during their absence from home. The main advantage of this type of policy is that its price is fixed - 30 rubles per day, regardless of the duration of the contract. The minimum insurance period is 5 days. The maximum amount of payment for insurance is 1,450,000 rubles.
The policy insures decoration, movable property and civil liability. The apartment can be insured against gas explosion, fire, impact natural factors, falling construction of the house, robbery, as well as intentional loss.
"Domovoy-Preferential" - insurance for all ages
The preferential type of insurance is designed to provide a material airbag for apartment owners of any year of construction, its price is 3,000 rubles. The cost of the policy includes a guarantee of payment up to 2,400,000 rubles.
RESO-Garantia provides indemnification for construction, decoration, civil liability and damage to movable property in an apartment up to 100 square meters.
Home insurance in RESO-Garantia
The RESO-Garantia company provides services for compensation for damage in case of fire, flood, robbery, explosions, natural disasters or the banal negligence of the owner. Private house has a larger list of insured events, because it is more vulnerable. In addition, home insurance often includes damages in case of damage to adjacent territories or buildings.
RESO-Garantia offers a system of tariffs that is available to everyone: depending on the amount insured, the policy can cost 10-50% cheaper.
The cost of insurance is affected by the number of risk groups for which funds are paid, as well as the number of buildings.
RESO insurance offers two real estate insurance programs with a land plot.
"RESO-dom" - a universal policy
When concluding a RESO-dom contract, an insurance company insures dachas, bathhouses, cottages, garden houses, utility blocks, garages, fences, fences, landscape structures, as well as decoration, movable property and technical equipment.
When drawing up the contract, the client can set the option of insurance coverage, select the sum insured, determine the number of buildings under insurance, and also indicate the duration of the contract. The cost of each specific policy depends on the individual characteristics of the property and the requirements of the client.
Policy without inspection
This type of insurance involves property insurance without providing an appraisal report and expert examination. RESO-Garantia concludes a house insurance contract worth up to 1,000,000 rubles for up to three buildings on the site.
Calculating the cost of a home insurance policy
Each type of insurance includes different types buildings, the cost, different insurance coverage options and the value of the property. You can calculate the estimated cost of insurance using the online calculator on the official website reso.ru in the "Calculators" tab.
Then you need to select the necessary tab, in this case - "Insurance of summer cottages and houses".
To get the estimated cost of the policy, you must fill in all the fields in the window that opens and click the "Calculate" button. You can discuss the subject value and conclude an agreement anywhere, at a convenient time during a personal meeting with the RESO-Garantia insurance agent.
"RESO-mortgage" - comprehensive insurance
RESO-Garantia provides policies even for the type of property that the client does not fully own. Mortgage insurance is a set of services that are aimed at protecting property not only in the physical, but also in the legal aspect. The insurance policy includes three main services:
- Mortgage life insurance. REO-Guarantee in case of death or disability of groups I and II ensures payment of the outstanding part of the mortgage instead of the client. The rest of the sum insured is paid to the beneficiary or heir.
- Mortgage apartment insurance. The company will pay the sum insured under the contract if the mortgaged property suffered damage regulated by the insured event.
- Property insurance in case of loss of ownership. If violations or mistakes are made when signing a contract for the purchase of mortgage property, there is often a restriction or loss of ownership. RESO-Garantia will indemnify all losses within the sum insured.
Insurance policy RESO-Mortgage is a guarantee of fulfillment of the borrower's obligations to repay the received loan. You can calculate the cost of the policy using a special calculator on the site. You can find it in the "Calculators" tab on home page site reso.ru. Next, you need to select "Mortgage insurance".
To get the estimated cost of insurance, you must fill in all the fields in the window that opens. Also, go through the Google service check and click on the "Calculate" button.
Advantages of RESO-Garantia insurance
The advantage of RESO-Garantia in insurance is the conclusion of a contract without expert evaluation and determination of the exact value of the property. In addition, it is possible to include a complete list of risks. You can also submit documents online, which makes the review process more convenient and faster.
For registration, a minimum number of documents and time will be required, since the preparation of the policy is carried out within one day. The main plus is complete and timely. It is also important that the policy can be issued in installments.
It is important to remember that the amounts for the payment of the insurance offer in case of damage to apartments from RESO-Garantia are fixed. The offer is valid in all regions of Russia. For customers purchasing a private home insurance policy, there is a possibility of discounts from 5% to 20%.
RESO-Garantia is an insurer company that insures any type of property. The company offers six apartment insurance programs, two home insurance packages and a universal mortgage insurance policy.
When insuring property in Reso, each client is guaranteed a high level of service and, most importantly, prompt compensation for damage with the amount of payments corresponding to the losses. We can say with confidence that this company has long established itself as a reliable and conscientious insurer and defender of the interests of its customers. Almost every citizen of our country at least once faced with unforeseen situations in which his property was damaged. This happens especially often if he lives in an apartment building. This includes pipe leaks, household appliances failure or damage due to wiring faults, and much more. V Reso insurance property is one of the main activities, and the team of this company has developed several programs focused on various risks and customer needs.
Reso apartment insurance
The need to insure an apartment in Reso and the various risks associated with its operation, purchase or rental is relevant to several recent years. In addition, in the case of purchasing a home with the help of mortgage loan this is a prerequisite. For this category of insurers, the company has developed several programs that allow you to reliably protect the risks associated with the life and health of the borrower, with the loss of property rights and damage to property.Turning to the Russtrakhovanie insurance broker, you are guaranteed to receive a detailed analysis of all programs with emphasis on the most important points. This will allow you to choose the insurance conditions that are most suitable and meet your requirements.
Consider which insurance company is better to insure your real estate. Today there are a large number of SCs, each of which offers its own package of services. These include:
Every citizen can insure a house with the following trusted companies:
- AlfaInsurance.
- Rosgosstrakh.
- Alliance (ROSNO).
- RESO-Guarantee.
- SOGAZ.
Where is the best place to insure your home under various conditions?
In the city
Companies where you can better insure urban real estate:
- Alpha.
- Inogostrakh.
- Country.
Country or country
Summer cottages are most often concentrated away from the developed system of fire departments and police stations. The fact is that such houses are most often endangered. Where is the best place to insure a house in the countryside?
Policies are offered by the following companies:
unfinished
It is not always possible to build a house in a short time. The construction process of an object can be slowed down during cold weather, due to lack of money or for other reasons. To protect the already invested finances, it is worth using the services of such insurance companies:
- INSONE.
- Ingosstrakh.
- Renaissance Insurance.
Various options
Rosgosstrakh
This company is one of the oldest in the territory of the Russian Federation, dealing with real estate insurance.
It offers its clients two programs:
As an added bonus, the two programs come with the ability to insure not only the house, but also the property that is inside the building. This includes even engineering and other communications.
VTB Insurance (home keeper)
This company has developed the following insurance programs for its clients:
- "Hi, neighbor!"- for property and apartment insurance.
- "Advantage for home"- for insurance of country houses.
- “Advantage for the apartment» — for insurance of apartments.
- "advantage for furniture" for furniture insurance.
VSK insurance house
The firm is working on financial market 25 years. Insures houses, apartments and other residential real estate.
Performs property valuation insurance company free of charge, and you can pay the tariff in installments. It is also possible to apply for insurance online.
The company offers the following programs to its clients:
RESO-Garantia
The company has been operating in the financial market for 25 years. It offers its clients insurance for apartments, cottages, houses against fire and flooding. The Domostroy program remains very popular. It includes the following risk packages:
- Premium.
- Express.
- Economy
- Preferential.
Rules of the program Reso Dom provides protection for suburban buildings, cottages land plots and apartments.
For example, if a house is insured for 6.5 million rubles, then insurance will be 19.6 thousand rubles, and fence insurance for 150 thousand rubles will be 600 rubles.
SOGAZ
This company belongs to the universal insurers of the federal level. The key home insurance package includes the following risks:
In addition, the following risks are an additional bonus:
- glass breakage;
- radiation exposure;
- breakdowns.
Important! SOGAZ provides insurance only if the insured amount in terms of volume is above 60 thousand rubles and not more than 3.5 million rubles.
Alpha Insurance
This company has been on the market for about 10 years. It is one of the top five leaders in the open insurance market.
Alpha insurance provides clients with such popular programs:
- Repair insurance.
- Neighbor protection.
- "Though the Flood" (a comprehensive package of risks - values, repairs, decoration, civil liability).
- Calm.
This company is popular due to the quick 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 in Ingosstrakh for 20 insurance programs. Some of them can be distinguished:
- Platinum - a full package, for a period of 3 months.
- Vacation is a short-term policy.
- Freedom.
- Express - economical insurance.
Representations exist in countries near and far abroad.
Max
The company has been operating in the insurance market for 25 years. It offers numerous home and apartment insurance options. There are restrictions on payments for the elements of "bearing structures", "finishing".
The company offers clients who wish to insure real estate to take advantage of the following programs:
- House. The basic set includes the following risks: gas explosion, lightning strike, aircraft crash, vehicle entry. The extended package contains the following risks: flood, natural disasters, encroachments by third parties.
- Apartment. The company insures such risks: fire, gas explosion, flood, natural disasters, force majeure, illegal actions.
Sberbank
This bank is the largest in Russia. 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 for 15 years on the market. Its offices are located in 114 cities of the Russian Federation. The financial stability of the firm is confirmed by reputable rating agencies, own funds firms amount to 12 billion rubles.
VTB Insurance always responsible for all its obligations and this is one of the main advantages for buying a policy. According to the rating agency "EXPERT RA", the company belongs to the reliability category A ++ (the highest level of reliability).
In fact, today it is quite difficult to choose the right one. insurance company. The reason is their wide variety. But it is best to trust proven insurers who already have sufficient experience and have never let their customers down.
There are a lot of insurance companies in our country. There are all-Russian, whose central offices are located in major cities, and branches are scattered throughout Russia. There are local companies that are usually engaged in a narrow type of insurance, such as OSAGO, and exist only in this territory. The disadvantage of the latter is that if something happens to you or the property insured in such a company in another region where it does not have a representative office, it may refuse insurance payments or you will have to seek financial coverage for damage for a very long time. Also, these companies often close for unknown reasons. That is why it is worth contacting large insurance companies with an established reputation. One of such companies is RESO-Garantiya. Most likely, everyone saw its branches in their city. In the article we will talk about the company, its services, as well as give the addresses of the RESO offices in Moscow and tell you how to get to them.
About company
"RESO-Garantia" has been operating on the market since 1991. It is one of the largest in Russia - it has about 860 offices throughout the country and more than 10 million customers as of 2016. The company provides the population with more than 100 types of various insurance services.
Insurance company "RESO" has the highest degree of reliability, has been repeatedly recognized as the best in various categories, and services comply with international standards.
RESO is a group of companies. It also includes SMK RESO, a medical insurance company that deals with compulsory health insurance and has been successfully serving several million Russian citizens for over 20 years.
The group of companies also includes:
- "RESO-Autoservice" (car service station, service station, where the cars of the insurers affected in an accident are sent, when the insured makes a decision to repair in the service station, and not receive payments in hand).
- Bank "RESO-Credit" (engaged in issuing loans, making deposits for individuals and mortgage lending).
- "RESO-Leasing" (a company that leases cars and trucks and special equipment to companies).
- Other insurance profile companies operating abroad (in Belarus, Ukraine, Kazakhstan and Armenia).
The services of the main company "RESO-Garantia" are divided into several categories: services for individuals, commercial persons and additional. The list of the latter includes calling an agent, making an appointment with a doctor, calculating the cost of insurance, issuing a policy online, and others. The first two categories of services will be discussed below.
Services for private clients
RESO-Garantia provides individuals with a wide range of life and property insurance services:
- Car insurance (OSAGO, CASCO, online purchase of a policy, technical assistance on the road to its customers).
- Real estate insurance (house, apartment, garage, land).
- Life and health insurance ( travel insurance for obtaining a visa and traveling abroad, from accidents for children, adults or drivers, CHI, VHI).
- Green card for traveling abroad in your car.
- Mortgage insurance (insurance pays the amount of the mortgage to the bank in the event of death or total disability of the borrower, protects against risks, loss of ownership of real estate).
The cost of all services can be calculated using an online calculator. Moreover, the cost is shown immediately after the calculation, you do not need to enter an e-mail or phone number and wait for the calculation for them. List of required documents for registration of each type insurance policy can also be found on the official website, as well as the rules and conditions of insurance.
According to the law, it is necessary to report the occurrence of an insured event within 3 days, and bring documents and write an application for payments - within 10 days after the incident. As long as the deadlines are met, there will be no further problems.
If you have suffered as a result of an insured event, you will need to submit a certificate stating that you were on sick leave and therefore could not visit the insurer during the overdue period. You should also act with travel paper.
Services for corporate clients
The range of services provided to corporate clients is also quite wide. The company offers the following types of insurance:
- Auto insurance (issuance of OSAGO policies and additional insurance for commercial vehicles - cars, trailers, regular and minibuses, trucks, etc. The policy protects against damage and theft).
- Property insurance (overcoming the risks associated with troubles with real estate, equipment, raw materials, finished products, business papers).
- Medical insurance for employees of the client's company (voluntary medical insurance or mandatory medical insurance, which provides qualified medical assistance in polyclinics or medical centers of the city, with which RESO has contracts).
- Accident insurance (allows you to compensate harm to the health and life of employees as a result of accidents or illness, to protect the well-being of their families. Such insurance increases the prestige of the company in the eyes of potential and real employees and labor productivity).
- Liability insurance (involves compensation for damages caused by third parties to a person performing their regulatory duties, such as a lawyer, notary, judge, builder, doctor, etc. The service of insurance of the activities of an air or ship carrier in front of passengers and addressees is also provided to protect the cargo and baggage).
- Cargo transportation insurance (risks associated with the transportation of small and large cargoes are prevented).
- is aimed at preventing the risks associated with the construction and installation work. Risks include loss of property, harm to third parties, etc.).
- Insurance dangerous objects(power stations, factories, gas stations, elevators, etc.).
Types of insurance provided to corporate clients may not be issued in all branches of the insurance company. In addition, a legal entity needs to collect a large number of documents and justify the reason for insurance so that the insurer does not refuse the service.
You should also notify the insurer of the occurrence of an insured event within 10 days, collect all Required documents and come to the office, or a personal manager will go to the insured himself. WITH legal entity, on the one hand, everything is simpler, on the other - on the contrary. Everything depends on each specific situation and circumstances.
Peculiarities of insurance in "RESO"
Insurance in the company "RESO-Garantia" involves some features, including:
- Possibility of online registration of any insurance policy.
- The sum insured under the terms of the standard contract is non-aggregate. But the insured has the right to choose another option at his discretion.
- Compensation for damage caused vehicle, can be paid both taking into account the wear and tear of the car, and without.
- The car is recognized as lost (non-recoverable) if the repair is more than 80% of the sum insured.
- The terms for payment of damages and theft for motor insurance are a maximum of 30 working days.
Advantages of insurance in "RESO"
Benefits for individuals:
- The operation of certain types of insurance both in Russia and abroad.
- Possibility to issue almost any policy online.
- A large number of services and additions to them.
- The cost of the insurance policy can be paid in a lump sum or in installments.
- Guaranteed qualified medical care.
- When extending or renewing the contract, there may be discounts on insurance.
- There are special promotions.
These are the main advantages of obtaining an insurance policy in the RESO-Garantia company. There are others that are specific to each policy separately. They can tell you about them when you contact the office.
Benefits for corporate clients:
- Availability social programs for small and medium businesses.
- CASCO and VHI insurance is valid not only in Russia.
- 24-hour dispatch service and personal doctors who monitor the health of the patient assigned to each of them and can come if necessary.
- There is additional program insurance, which provides for consultations with foreign doctors in case of urgent need for this (for example, in case of life-threatening diseases).
- A guarantee of qualified medical care even if you are in another city or region due to a business trip.
- Treatment under the "RESO-Guarantee" policy is cheaper than going to the clinic directly.
- A huge number of clinics with which "RESO" cooperates.
- Discounts on clinic services that are not included in the insurance conditions.
- Preferential terms of insurance for employees of the company, which has concluded an agreement with "RESO".
- The insurance conditions also apply to employees working in branches of the insured company in other cities.
- Flexible system of payment of the insurance premium (you can pay as a lump sum, and every six months or once a quarter).
- When renegotiating contracts, additional benefits are possible.
- Replacement of car parts without depreciation.
- Payment for minor damage without submitting certificates from the traffic police.
- Round-the-clock dispatch service and consulting support in case of an accident.
- Customer friendly form insurance compensation: refurbishment, payment of bills from the service station or cash payment by calculation.
- For motor transport companies with an insured fleet of 10 or more vehicles, the appointment of a personal manager of the VIP service department who accompanies this agreement.
These are just some of the benefits that the company provides to its customers, listed for various services. Based on these positive sides, it is worth saying that "RESO-insurance" offers enough good conditions both private and corporate clients.
Cost of services
As mentioned above, the cost of services can be calculated using the online calculator on the site. For different types insurance you need to enter various data. For example, to calculate the cost of an OSAGO policy, you need to enter the length of service and age, the brand, model and year of manufacture of the car, the region of insurance and the number of possible drivers.
Prices for services in "RESO-Garantiya" fluctuate at the level of averages. They are not the lowest, but for a company with such a list of services and a level of responsibility, the prices are quite acceptable.
Main office
Manages the company "RESO" chief for the location of the central office was not chosen by chance - all the tops financial companies are located in the capital. And if something important happens in the market, then it will be possible to quickly understand and eliminate the problem.
The main office (Nagorny pr., 6) has a client department aimed at resolving issues of private clients, a mortgage center and a payment center. General questions handles the general department. Potential policyholders or clients with minor problems are sent there. To apply for insurance or other similar issues that managers can decide, you should contact the nearest branch of the company. How to find the addresses of RESO offices in Moscow, we will tell further.
RESO offices in Moscow and how to get to them
Addresses of RESO offices in Moscow indicate that representative offices are scattered throughout the city. They are located near almost every metro station, which makes life easier for policyholders not only when it is necessary to obtain insurance, but also in the event of an insured event. Here are some addresses of offices located in different parts of the city:
- Gazetny pereulok, 9. Office, which is located in the very center of the city, 900 meters from the Okhotny Ryad metro station.
- Altufevskoe highway, 27. Located at the metro station "Vladykino" in the north of the city. You can get from the metro to the office on foot or by bus from a stop next to the subway. At the same metro station, in addition to the office at 27 Altufevskoye Highway, there are 2 more: at Dubninskaya, 13, and in the Marfino area at Bolshaya Marfinskaya, 4.
- Beskudnikovsky boulevard, 36. The office is located slightly to the west than the previous one. The nearest metro station is "Okruzhnaya" (MKZHD). Getting here is quite difficult - from the metro you have to take the bus for another 6 stops. The office is more suitable for residents of this area of Moscow, the rest can find a representative office closer to home.
- Bolshie masons, 2. It is located in the central part of the city directly opposite one of the exits of the Taganskaya metro station. The office has been operating for more than 15 years and provides a large number of services offered by the RESO company.
- Vavilova, 69. The office is located at the station from which you can walk to the company on foot or take one of the buses that stop near the metro. Also, not far from the Profsoyuznaya station, in addition to the branch at Vavilova, 69, there are several more branches: at Leninsky, 66, Novocheremushkinskaya, 49, and Profsoyuznaya, 18.
- Aviamotornaya, 6. Located near the metro station "Aviamotornaya". This is the only office for several nearby blocks, because it lies closer to the Moscow Ring Road and the edge of the city.
- 1905 Goda Street, 7. Quite close to the central part of the city and among elite residential areas, there is an office on 1905 Goda Street next to the metro station of the same name and several more company offices located at 20 Mantulinskaya and 12 Krasnopresnenskaya embankment.
- 1st Novokuzminskaya, 6. The office is located in the South-Eastern part of the city near the metro station "Ryazansky Prospekt". Not far from this station there are 4 more RESO offices: at Nizhegorodskaya, 32, 1, Okskaya, 5 and Ryazansky, 45.
- 1st Kvesisskaya, 18. The nearest metro station is "Savelovskaya". The office is located 7-10 minutes walk from the metro.
- 15th Parkovaya, 45. The most distant office from the listed ones. Located at the metro station "Shchelkovskaya" a few km from the Moscow Ring Road. There are several other offices nearby, smaller in size and providing fewer services.
The rest of the addresses of the RESO offices in Moscow can be found on the company's website (there they are even divided into metro stations) or using any navigation application. There are offices both within the city and outside the Moscow Ring Road. In case of urgent need, when you are in another city, you can find a representative office in this city or its neighbor, since there are they in almost every region and city.
Contacts
In addition to offices that are scattered throughout Moscow and beyond, you can get information of interest by calling 8-800-234-18-02 or through the feedback form on the company's official website. Regional phone numbers can also be found using the site.
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