Home insurance in 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 homes on land, apartments, as well as mortgage property. Each type of property has its own nuances of insurance and a set of insured events. More details about RESO insurance.
An apartment in an apartment building is always a neighborhood with other residents. Often due to the negligence of one resident, the owners, as well as the property of other apartments, suffer. RESO-Garantia offers its customers insurance that covers not only the cost of repairs upon the occurrence of an insured event, but also the 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 "Brownie"
This is a type of property insurance, in which the client has the opportunity to choose insurance objects, as well as the insured amount.
The list of insurance areas includes:
- The construction of the apartment.
- Finish.
- Technical equipment.
- Movable property.
- Civil responsibility.
- Life or health of the residents of the apartment.
This is a universal policy that allows you to combine the insurance industry, as well as the amount of payments.
Home Insurance Premium Insurance
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, decoration and civil liability.
Option "Brownie-Premium" A more expensive: its cost varies from 27,000 to 35,000 rubles, depending on the availability of the franchise. The total amount of insurance payment is up to 21.5 million rubles.
Option B assumes that the construction period of the apartment building is not earlier than 1930, and the area of \u200b\u200bthe premises is not more than 150 m2. The maximum amount of damages is up to 13,900,000 rubles. The cost of this option varies from 12,800 to 17,000 rubles per year.
Domovoi Express - quick property insurance for individuals
The policy insures the construction of the apartment, movable property, decoration and civil liability. Insurance "Domo-Express" is also presented in two versions - A and B:
- Option A. In the first case, it is assumed that the design 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 size of insurance payments are reduced, but the list of insurance cases remains the same. So, the Domovo-Express B policy will cost from 6,000 to 7,500 rubles.
The maximum amount to cover expenses for insured events is 6,550,000 rubles.
Policy "Brownie-Economy"
Economy insurance is represented by one universal offer, which is suitable for insurance of most apartments. Insurance is provided for two amounts of damages for the design of the apartment. The first of them involves insurance in the amount of 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.
Covering damage for finishing is 450,000. For movable property, up to 300,000 is reimbursed, the same amount is provided for civil liability.
Calmness on the trip "Brownie-Vacation"
The offer "Domovoy-Holidays" is made for those apartment owners who care about the safety of property during their absence at 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 insurance payments is 1,450,000 rubles.
The policy insures decoration, personal property and civil liability. An apartment may be insured against a gas explosion, fire, the effects of natural factors, a fall in the construction of a house, robbery, as well as intentional loss.
“Domovoi-Preferential” - insurance for all ages
The preferential type of insurance is intended to provide a material airbag for apartment owners of any year of construction, its price is 3,000 rubles. The price of the policy includes a guarantee of payment of up to 2,400,000 rubles.
RESO-Garantia provides damages for construction, decoration, civil liability and damage to movable property in an apartment of up to 100 square meters.
Home Insurance in RESO-Garantia
The RESO-Garantia company provides damage compensation services in case of fire, flood, robbery, explosions, natural disasters or banal negligence of the owner. A private house has a larger list of insurance claims, because it is more vulnerable. In addition, home insurance often includes damages for damage to adjacent territories or buildings.
RESO-Garantia offers a tariff system that is available to everyone: depending on the sum 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-house - a universal policy
When concluding a RESO-house agreement, the insurance company insures summer houses, baths, cottages, garden houses, utility units, garages, fences, fences, landscape structures, as well as decoration, movable property and technical equipment.
When concluding the contract, the client can establish the insurance cover option, select the insured amount, determine the number of buildings for 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 a valuation report and examination by an expert. RESO-Garantia concludes a home insurance contract worth up to 1,000,000 rubles to three buildings on the site.
Calculation of the cost of a home insurance policy
Each type of insurance involves the inclusion of different types of buildings, different costs, different options for insurance coverage and the value of the property. The estimated cost of insurance can be calculated using the online calculator on the official website reso.ru in the tab “Calculators”.
Then you need to select the necessary tab, in this case - "Insurance of cottages and houses."
To get the estimated cost of the policy, you need to fill in all the fields in the window that opens and click the "Calculate" button. You can discuss the subject value and conclude a contract at any place, at a convenient time, in person at 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 complex 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 I and II groups provides 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 insurance amount under the contract, in the event that the mortgage property has suffered damage regulated by the insured event.
- Property insurance in case of loss of ownership. If there are violations or errors when signing a contract on the purchase of mortgage property, there is often a limitation or loss of ownership. RESO-Garantia will indemnify all losses within the insured amount.
RESO-Mortgage insurance policy - a guarantee of fulfillment of the borrower's obligations to repay the loan. You can calculate the cost of the policy using a special calculator on the site. You can find it in the tab “Calculators” on the main page of the 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 a Google service check and click on the “Calculate” button.
Benefits of RESO-Guarantee Insurance
The advantage of RESO-Guarantee in insurance is the conclusion of a contract without an expert’s assessment 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 quick.
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 amount of insurance offer payments in case of damage to apartments from RESO-Garantia is fixed. The offer is valid in all regions of Russia. For customers purchasing a private home insurance policy, there is the possibility of a discount of 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 size of payments corresponding to losses. We can say with confidence that this company has long established itself as a reliable and conscientious insurer and protector of the interests of its clients. Almost every citizen of our country at least once faced with unforeseen situations in which his property was damaged. Especially often this happens if he lives in an apartment building. This is a leakage of pipes, and the failure of household appliances or its damage due to malfunctions in the wiring, and much more. In Reso, property insurance is one of the main activities, and the team of this company has developed several programs that focus 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 has been relevant for the past few years. In addition, in the case of housing with a mortgage, this is a prerequisite. For this category of insurers, the company has developed several programs that can reliably protect the risks associated with the life and health of the credited, with the loss of ownership and damage to property.Turning to the insurance broker "Insurance" you are guaranteed to receive a detailed analysis of all programs with accents placed 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 SK, each of which offers its own package of services. These include:
Each citizen can insure a house with the following trusted companies:
- Alpha Insurance.
- Rosgosstrakh.
- Alliance (ROSNO).
- RESO-Warranty.
- SOGAZ.
Where can I best insure my home under various conditions?
In the city
Companies where you can better insure urban real estate:
- Alpha.
- Inogosstrakh.
- Country.
Country or country
Summer cottages are most often concentrated away from the developed system of fire departments and police departments. The fact is that such houses are most often at risk. Where is it better to insure a house in the village?
The following companies offer policies:
Unfinished
Not always a house can be built in a short time. The construction process of the facility may be inhibited during cold weather, due to lack of money or for other reasons. To protect 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 Russian Federation, engaged in real estate insurance.
She offers her clients two programs:
![](https://i0.wp.com/svoe.guru/wp-content/uploads/2017/12/Rosgosstrah_4_10095633-400x300.jpg)
As an additional bonus, the two programs have the opportunity to insure not only the house, but also property that is inside the building. This includes even engineering and other utilities.
VTB Insurance (home keeper)
This company has developed the following insurance programs for its clients:
- "Hi, neighbor!" - for property and apartment insurance.
- "Advantage for the home" - for insurance of country houses.
- “Advantage for the apartment"- for apartment insurance.
- “Advantage for furniture” - for furniture insurance.
VSK Insurance House
The company has been operating in the financial market for 25 years. Insures homes, apartments and other residential real estate.
The property is assessed by the insurance company for free, and you can pay the installment plan. There is also the possibility of obtaining insurance online.
The company can offer its customers the following programs:
![](https://i0.wp.com/svoe.guru/wp-content/uploads/2017/12/Strahovoy_dom_VSK_1_10080822-400x267.jpg)
RESO-Guarantee
The company has been operating in the financial market for 25 years. She offers her clients insurance for apartments, villas, houses from fire and flooding. The Domostroy program remains very popular. It provides for such risk packages:
- Premium
- Express.
- Economy
- Preferential.
The rules of the Reso House program provide protection for suburban buildings, cottages, land plots and apartments.
For example, if home insurance is 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. A key home insurance package includes these risks:
![](https://i1.wp.com/svoe.guru/wp-content/uploads/2017/12/SOGAZ_1_10081232-400x263.jpg)
In addition, an additional bonus is the following risks:
- glass break;
- radiation exposure;
- breakdowns.
Important! SOGAZ provides insurance only if the insurance amount in volumes is above 60 thousand rubles and not higher than 3.5 million rubles.
Alpha insurance
This company has worked in the market for about 10 years. She is one of the five leaders in the open insurance market.
Alfa insurance provides customers with such popular programs:
- Repair insurance.
- Protection of neighbors.
- “Although 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 issue a policy online.
Ingosstrakh
A company in the market of financing for 70 years. You can insure property in Ingosstrakh through 20 insurance programs. You can highlight some of them:
- Platinum - a complete package for a period of 3 months.
- Holiday - a short-term policy.
- Freedom.
- Express - economical insurance.
Representative offices exist in the countries of near and far abroad.
Max
The company has been operating in the insurance market for 25 years. It offers numerous options for home insurance, apartment insurance. There are restrictions on payments for the elements of the "supporting structures", "decoration".
The company offers customers who wish to insure real estate to take advantage of such 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 of third parties.
- Apartment. The company insures the following risks: fire, gas explosion, flood, natural disasters, force majeure, illegal actions.
Sberbank
This bank is the largest in the Russian Federation. The company with state participation provides various services for insurance of houses and apartments. The basic home insurance program is Home Protection.
Where is it better to turn?
Today, for home insurance, people are increasingly turning to a company such as VTB 24. This company has been operating on the market for 15 years. Its offices are located in 114 cities of the Russian Federation. The financial stability of the company is confirmed by reputable rating agencies, the company’s own funds amount to 12 billion rubles.
VTB Insurance is always responsible for all its obligations and this is one of the main advantages for purchasing a policy. According to the rating of the Expert RA agency, the company belongs to the A ++ reliability category (the highest level of reliability).
In fact, today it is quite difficult to choose the right insurance company. The reason is their wide variety. But trust trustworthy insurers who already have sufficient experience and never let their customers down.
There are a lot of insurance companies in our country. There are all-Russian, whose central offices are in large cities, and branches are scattered throughout Russia. There are local companies that are usually engaged in a narrow type of insurance, for example, motor third party liability insurance, and exist only in this territory. The minus of the latter is that if something happened in 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 it will take you a very long time to seek financial coverage for the damage. Also, these companies often close for unknown reasons. That is why it is worth contacting large insurance organizations with an already established reputation. One of these companies is RESO-Garantia. Most likely, everyone saw its branches in their city. In the article we will tell about the company, its services, as well as the addresses of RESO offices in Moscow and how to get to them.
About company
RESO-Garantia has been operating in 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.
The RESO insurance company has the highest degree of reliability, has been repeatedly recognized as the best in various categories, and the services comply with international standards.
RESO is a group of companies. It also includes SMK RESO, an insurance medical company that provides compulsory health insurance and has successfully served several million Russian citizens for over 20 years.
The group of companies also includes:
- "RESO-Car service" (car service, service station, where the insured cars that were injured in an accident send, when the policyholder decides to repair the service station, and not receive payments on hand).
- Bank "RESO-Credit" (engaged in the issuance of loans, registration of deposits for individuals and mortgage lending).
- RESO-Leasing (a company that leases cars and trucks and special equipment to companies).
- Other insurance companies operating abroad (in Belarus, Ukraine, Kazakhstan and Armenia).
The services of the main one of the RESO-Garantia company are divided into several categories: services to individuals, commercial entities and additional. The list of the latter includes calling an agent, making an appointment with a doctor, calculating the cost of insurance, issuing an online policy and others. The first two categories of services are discussed below.
Services for private clients
In the company "RESO-Garantia" private individuals are provided with a wide range of life and property insurance services:
- Car insurance (CTP, CASCO, online purchase of a policy, technical assistance on the road to their 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, compulsory medical insurance, voluntary medical insurance).
- Green card to travel abroad in your car.
- Mortgage insurance (insurance pays the amount of the mortgage to the bank in case of death or complete disability by the borrower, protects against risks, loss of ownership of real estate).
The cost of all services can be calculated using the online calculator. Moreover, the cost is shown immediately after the calculation, you do not need to enter an e-mail or phone and wait for the calculation on them. A list of necessary documents for processing each type of insurance policy can also be found on the official website, as well as the rules and conditions of insurance.
According to the law, the occurrence of an insured event must be reported within 3 days, and documents must be brought in and an application for payment made must be written within 10 days after the incident. Subject to deadlines, there will be no further problems.
If you have suffered as a result of an insured event, you will need to provide a certificate stating that you were on sick leave and therefore could not visit the insurer for an expired time. 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 (registration of insurance policies and additional insurance for commercial vehicles - cars, trailers, minibuses, vans, 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 compulsory medical insurance for which qualified medical care is provided 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 illnesses, 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 the compensation of harm caused by third parties to a person who is fulfilling their normative duties, such as a lawyer, notary, judge, builder, doctor, etc. An insurance service is also provided for air or ship carrier activities against passengers and destinations to protect cargo and baggage).
- Cargo insurance (risks associated with the transportation of small and large loads are prevented).
- aimed at preventing risks associated with construction and installation works. Risks include loss of property, harm to third parties, etc.).
- Insurance of hazardous facilities (power plants, factories, car refueling, elevators, etc.).
The types of insurance provided to corporate clients may not be issued at 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 a service.
The insurer should also be notified of the occurrence of the insured event within 10 days, collect all the necessary documents and come to the office, or the personal manager will go to the insurer himself. With a legal entity, on the one hand, everything is simpler, on the other - on the contrary. It all depends on each specific situation and circumstances.
Features of insurance in RESO
Insurance at RESO-Garantia implies 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 policyholder has the right to choose another option at his discretion.
- Compensation for damage caused to the vehicle can be paid both taking into account the wear and tear of the car, and without.
- A car is recognized as lost (not subject to restoration) if the repair is more than 80% of the sum insured.
- The terms for payment of damage and theft during auto insurance are a maximum of 30 working days.
Benefits of insurance at RESO
Benefits for individuals:
- The effect of certain types of insurance both in Russia and abroad.
- The ability to issue almost any policy online.
- A large number of services and additions to them.
- The cost of the insurance policy can be paid at a time or in installments.
- Guaranteed qualified medical care.
- When renewing or renewing the contract, there may be discounts on insurance.
- Special promotions apply.
These are the main advantages of applying for an insurance policy at RESO-Garantia. There are others specific to each policy individually. You can be told about them when contacting the office.
Benefits for corporate clients:
- Availability of social programs for small and medium-sized businesses.
- CASCO and VHI insurance is valid not only in Russia.
- The round-the-clock dispatching service and the service of personal doctors who monitor the health of the patient assigned to each of them and can come if necessary.
- There is an additional insurance program that provides consultations with foreign doctors in case of urgent need for this (for example, for life-threatening diseases).
- Guaranteed qualified medical care even if you are in another city or region in connection with a business trip.
- Treatment under the RESO-Garantia policy is cheaper than going to the clinic directly.
- A huge number of clinics with which RESO collaborates.
- Discounts on clinic services that are not included in the insurance conditions.
- Preferential insurance conditions for employees of a company that has entered into an agreement with RESO.
- Insurance conditions apply to employees working in branches of the insured company in other cities.
- Flexible insurance premium payment system (you can pay both once, and every six months or once a quarter).
- When renegotiating contracts, additional benefits are possible.
- Replacement of car parts without depreciation.
- Payment of minor damage without presenting certificates from the traffic police.
- 24-hour dispatch service and consulting support in case of accident.
- A convenient form of insurance compensation for the client: restoration repair, payment of bills from the service station or cash payment for calculation.
- For motor transport enterprises with an insured fleet of 10 cars or more, the appointment of a personal manager of the VIP service department accompanying this agreement.
These are just some of the advantages provided by the various services that the company provides its customers. Based on these positive aspects, it is worth saying that RESO-insurance offers fairly good conditions for both private and corporate clients.
Cost of services
As mentioned above, the cost of services can be calculated through the online calculator on the site. For different types of insurance, you need to enter different data. For example, to calculate the cost of the MTPL policy, you need to enter the experience and age, make, model and year of manufacture of the car, insurance region and the number of possible drivers.
Prices for services in RESO-Garantia fluctuate at the average level. They are not the lowest, but for a company with such a list of services and level of responsibility, prices are quite acceptable.
Main office
The RESO company manages the main one for the location of the central office was not chosen by chance - all the tops of financial companies are located in the capital. And if something important happens on the market, then it will be possible to quickly understand and eliminate the problem.
At the main office (Nagorny pr., 6) there is a client department aimed at solving issues of private clients, a mortgage center and a payment center. General issues are dealt with by the general department. Potential insurers or clients with minor problems send them there. For insurance or other similar issues that managers can decide, it is worth contacting 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
The addresses of RESO offices in Moscow indicate that representative offices are scattered throughout the city. They are next to almost every metro station, which makes life easier for policyholders not only if insurance is necessary, but also in the event of an insured event. Here are some addresses of offices located in different areas of the city:
- Newspaper Lane 9. Office, which is located in the very center of the city 900 meters from Okhotny Ryad metro station.
- Altufevskoe shosse, 27. It is located at the Vladykino metro station in the north of the city. You can get from the metro to the office on foot or by bus from a stop near the subway. At the same metro station, in addition to the office at Altufevskoye Shosse, 27, there are 2 more: on Dubninskaya, 13, and in the Marfino district on Bolshaya Marfinskaya, 4.
- 36 Beskudnikovsky Boulevard. The office is located a little to the west than the previous one. The nearest metro station is Okruzhnaya (MKZhD). Getting here is quite difficult - you need to take another 6 bus stops from the metro. The office is more suitable for residents of this area of \u200b\u200bMoscow, the rest can find a representative office closer to home.
- Large 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 over 15 years and provides a large number of services offered by RESO.
- Vavilova, 69. The office is located at a station from which you can walk to the company or get on one of the buses stopping next to the metro. Also not far from the Profsoyuznaya station, in addition to the branch at 69 Vavilova, there are several more branches: on Leninsky 66, 49 Novocheremushkinskaya and 18 Profsoyuznaya.
- 6. Aviamotornaya, 6. It is located near the metro station "Aviamotornaya". For several nearby quarters, this is the only office, because it lies closer to the Moscow Ring Road and the edge of the city.
- Ulitsa 1905 goda, 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 with the same name and several other company offices located on 20 Mantulinskaya and 12 Krasnopresnenskaya embankment.
- 1st Novokuzminskaya, 6. The office is located in the southeastern part of the city near the Ryazansky Prospekt metro station. Not far from this station there are 4 RESO offices: at Nizhny Novgorod, 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, d. 45. The most remote from the center office listed. Located at the metro station "Schelkovskaya" a few km from the Moscow Ring Road. Nearby there are several smaller offices that provide fewer services.
The remaining addresses of RESO offices in Moscow can be found on the company's website (there they are even broken down by metro stations) or using any navigation application. There are offices both within the city and beyond 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 neighboring with it, because they are in almost every region and city.
Contacts
In addition to offices that are scattered throughout Moscow and abroad, information of interest can be obtained 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.