Civil liability insurance reso guarantee. Property insurance in "reso-guarantee"
What is insurance civil liability during the operation of the apartment? What are the types of third party insurance? How does builder liability insurance work?
Hello dear readers! Welcome to the HeatherBober website and its expert, Denis Kuderin.
In this issue, we will consider an interesting and relevant topic - civil liability insurance. The article continues the series of publications devoted to the insurance protection of citizens and legal entities.
The material will be useful to owners of commercial and residential property, motorists, homeowners and many other categories of citizens.
1. What is civil liability insurance?
In previous articles, we wrote about how to provide insurance protection for personal property. But often in unforeseen situations damage is caused to someone else's property or health.
In such cases, you can compensate for the losses of the victims from your own pocket, or you can go the other way - insure your civil liability. In this case, the costs will be paid not by the culprit of the accident, but by the insurance company.
(GO) is a separate branch of the insurance market. The object of protection in this type of insurance is the liability of the insured for causing damage to property, life and health of third parties.
Example
The Petrovs went to the dacha for the weekend. While they were resting, a pipe burst in their apartment. Water flooded the neighbor's apartment on the ground floor. Fortunately, the Petrovs had a liability insurance policy. The loss of the victims was more than reimbursed by the insurance company. No one sued anyone, good neighborly relations were preserved, as were the finances of both sides.
True, civil liability insurance will not protect against administrative or criminal liability. If, for example, you are guilty of an accident, the policy will allow you to pay for the losses of the injured driver, but you still have to be responsible for the occurrence of an emergency.
Insurance covers the following types of damage:
- damage to tangible property - the cost of restoration and repair and related costs;
- personal damage - the cost of treatment, rehabilitation, care;
- damage caused to the environment as a result of production or industrial activity;
- moral damage.
The acquisition of a civil defense insurance policy is relevant for car owners, apartment owners, businessmen - that is, for almost all categories of citizens. The document protects against unexpected expenses and, which is also important, saves your nerves.
Such insurance is especially necessary for residents apartment buildings. In apartments where plumbing communications have not been updated for a long time, there is always a risk of an accident or leakage.
What if your neighbors just made repairs? But what if water seeped through the ceiling and ruined expensive furniture? In both cases, insurance will compensate for the damage and save you from long excuses. Although, of course, you still have to apologize for the inconvenience.
2. What is civil liability insurance - an overview of the TOP-7 types of insurance
Despite the fact that the insurance industry we are describing is relatively young, there are many types of liability insurance.
They can be divided into two large groups - voluntary and compulsory insurance. In the first case, everything is clear: the insurance contract is drawn up of the good will and desire of the insured.
Things are more complicated with compulsory civil defense insurance. In fact, this is a legal coercion by the state of citizens and legal entities to issue policies in insurance companies. True, the law pursues a good goal - to protect financial interests persons affected in various unforeseen situations.
Examples compulsory insurance GO - auto insurance, travel insurance for people traveling to the countries of the Schengen agreement, insurance of HIFs - hazardous industrial facilities.
Consider in detail all types of civil liability insurance.
View 1. Motor Vehicle Owners Insurance (OSAGO)
Known to all owners of transport, "autocitizen" is a typical example of compulsory civil defense insurance. Under the OSAGO contract, the damage caused to one driver through the fault of another is compensated not by the culprit of the accident, but by the insurer.
True, there is a specific limit of insurance compensation under the OSAGO policy. In 2019, it is equal to 400,000 rubles for material damage and 600,000 for damage to health.
You will find more detailed information about auto insurance in the publication "".
If you wish, you can compensate for more significant costs, but for this you need to issue a DoSAGO policy - voluntary civil liability insurance. Such a document supplements OSAGO and comes into force if the damage exceeds the limits regulated by law.
The issues of purchasing insurance are covered in the articles "" and "".
View 2.
Regardless of the method of transportation used, transport companies (carriers) are responsible for the safety of cargo and passengers. There are uniform international standards that define the limits of the carrier's liability.
First of all, these regulations concern the responsibility of air carriers and shipowners. Railroad and trucking companies have their legal obligations.
Insurance situations are:
- causing harm to the health of passengers and their lives;
- damage to luggage;
- loss or damage to cargo;
- delay in the delivery of cargo or passengers due to the fault of the carrier;
- causing damage to third parties as a result of an accident involving the carrier.
The policyholders are legal entities who own or lease vehicles.
The insurer is released from payment obligations if the situation arose due to a violation by the policyholder of the rules and conditions of transportation.
There will also be no compensation if the carrier violated fire protection standards or the damage was caused by force majeure factors.
More information is in the article "".
View 3. Environmental risk insurance
This type of insurance provides for the protection of the insured's liability for risks associated with a negative impact on the environment.
Such contracts are drawn up by owners who own hazardous facilities - power plants, mines, oil refineries and chemical plants, tankers, factories for the production of explosives and toxic substances.
If due to the fault of the owner there was a leak, an accident, a man-made disaster, the costs are borne by the insurer. Since the sums insured in these situations are very significant, the services of the insurer will be expensive.
Therefore, only large companies are engaged in environmental risk insurance. insurance companies international scale. Such activities are regulated by the environmental laws in force in the territory of a particular state.
In Russia, the protection of environmental risks for HIFs is mandatory. There are about 300,000 such enterprises in Russia. All of them must have compulsory insurance GO.
View 4. Producer and seller liability insurance
Even triple-ordered and fully robotic production sometimes produces defective products.
The causes of manufacturing errors are numerous:
- violation of working conditions;
- omissions in the design and development stages of the product;
- the use of low-quality consumables;
- human factor.
Damage in such situations is caused not only to the consumer. The manufacturer also bears big losses.
To protect itself from unforeseen expenses associated with the production and sale of defective goods, the company enters into an insurance contract, the period of validity of which is usually equal to the warranty period of the product being sold. The insurers in such contracts are either producers or sellers.
View 5. Professional liability insurance
The essence of this type of insurance is easiest to explain with a specific example.
Example
The private lawyer promised the client that he would help him win the case in court and charged a fee for his services. However, as a result of unforeseen circumstances, it was lost, the client suffered property losses and sent a claim to the human rights activist.
Luckily for his pocket, the prudent lawyer insured professional liability, and the client's costs were covered by the insurer.
This type of insurance is carried out exclusively in relation to individuals engaged in private professional activities. The service is relevant for lawyers, brokers, dealers, appraisers, doctors, private detectives.
View 6. Builder civil liability insurance
In the Russian Federation, civil liability insurance for a developer is a mandatory procedure. Such insurance helps to return the funds spent to depositors and equity holders or even provide them with living space in the event of bankruptcy and ruin of a construction company.
The law came into force in January 2014: from that moment on, developers can take money in advance from clients only if they have a liability insurance policy to equity holders.
View 7. Default Insurance
Quite a rare sight voluntary insurance. Such a policy is purchased by borrowers who fear that they will not be able to repay the loan in full and on time. Wherein sum insured does not equal a loan, but is only a part of it (80-90%).
In the table, the types of civil defense insurance are presented in a clear way:
№ Kinds Peculiarities 1 Car owners insurance Mandatory procedure for all car owners 2 Protects the liability of transport companies for passengers and cargo 3 Environmental risk insurance For hazardous enterprises - a mandatory procedure 4 Manufacturers insurance Liability protection for manufacturing defects 5 Occupational risk insurance Practiced by individuals 6 Builder civil liability insurance Mandatory procedure since 2014 7 Default Insurance Practiced by debtors to banks
The insurance company SPAO "RESO-Garantiya" allows you to insure the following types of objects:
- elements related to the interior decoration of the apartment, including all types of repairs, as well as built-in furniture;
- technical and engineering equipment;
- structural elements, including heating and gas supply systems, except for interior and other spatial structures;
- household items and personal property of the residents of the house, including all equipment in the apartment;
- landscape design items;
- land plots (except for vegetation);
- other items and elements provided for by the insurance contract.
REFERENCE: in exceptional cases, the policy may include the protection of valuables, antiques and other expensive objects, at the discretion of the Insurer (the presence of non-standard objects of insurance protection increases the cost of the policy up to 30%).
Types of programs
SPAO "RESO-Garantia" offers several options for apartment insurance:
- "Brownie"- a classic version of property insurance protection with a standard set of risks. At the request of customers, protection against terrorism can be included in the policy. The cost of the policy will be lower if buyers already have current contract insurance (execute an extension) of the apartment or are clients for other types of insurance services.
- "Premium"– a package of insurance services with an increased cost of insurance coverage. The amount of coverage is fixed - 17 and 35 thousand rubles. Insurance is valid throughout the territory of the Russian Federation.
- "Express"– insurance of a standard level at a reduced cost. The insurance premiums are 9.8 and 7.5 thousand rubles.
- Economy"- a package that is optimal for residents of all regions (except Moscow and the region). 4.5 thousand rubles are enough for registration. For residents of Moscow, the cost will be 6 thousand rubles.
- "Preferential"– insurance, including the protection of finishes, construction, movable property and civil liability. The cost of the policy is 3 thousand rubles.
Design algorithm
A detailed algorithm for concluding an insurance contract will reduce the time of policy buyers and avoid mistakes in the selection insurance product.
Purchase at the office
When buying a policy, the client has the opportunity to choose the best option for purchasing the service - a visit to the manager at the nearest office of SPAO "RESO-Garantia" (information is available on the insurer's website).
Deal package
To apply for a policy the policyholder is required to have an identity document confirming the right to an apartment. At the request of the insurer, the list of documents can be expanded and include:
- extract from the state register;
- the right to transfer ownership;
- a lease or sale agreement for an apartment;
- certificate of registration of ownership.
How to make an application?
The application is made in writing according to the insured and can be filled in by his representative upon confirmation of his authority.
In the application, the policyholder fills in the list of objects included in the insurance contract and confirms his powers and property interests. The application is made in legible handwriting and can be restored at the request of the client in case of loss.
Responsibility for the accuracy of information relating to the subject of insurance lies with the policyholder. In case of providing incorrect or deliberately false information, the insurer has the right to terminate the policy or declare it invalid without reimbursement of the paid part of the insurance premium.
When transferring property to another owner, planning repair or other work, as well as other cases that significantly affect the change in the terms of the insurance contract, the beneficiary is obliged to notify the insurer not later than the date expiration of the contract or insured event.
Peculiarities
The insurance contract is concluded for a period of 1 year and can be extended after the specified period. In exceptional cases, the insurance period may be changed. The policyholder is obliged to notify SPAO "RESO-Garantiya" of any changes in ownership and the possibility of occurrence of insurance risks, as well as any circumstances affecting the subject of real estate during the period of the policy.
Submission of papers, obtaining a civil liability policy
- The conclusion of an insurance contract with SPAO "RESO-Garantiya" takes place after the insured submits all the required documents, including (if provided for by the terms of the policy) an application from the beneficiary about the desire to purchase the service.
- After filling in all the documents, the insurer, represented by the company's manager, explains to the buyer the features of insurance services and answers the client's questions.
- Further, the papers are signed by both parties and the policy is paid.
REFERENCE: in the offices of SPAO "RESO-Garantiya" customers can pay with a bank card.
After the fulfillment of obligations to pay the insurance premium, the client receives a contract and copies of documents confirming the conclusion of the insurance service.
Available online information
Unfortunately, there is no opportunity to buy a policy via the Internet on the official resource yet, but customers can find out full information about insurance rates and calculate the approximate cost of insurance on the pages of the RESO-Garantia SPAO website.
Cost calculation, approximate price
The algorithm for calculating the cost of the service is simple:
- The client enters the website of SPAO "RESO-Garantia" http://www.reso.ru and selects the service "Individuals - Apartment".
- The page "Insurance of apartments, townhouses" opens. The choice of the buyer - various options for the policy "Brownie" with the possibility of online calculation of the premium and compensation. Clicking on any of the tariffs opens detailed description services. For an approximate calculation, select the item "Calculate the cost of the policy" (below, after opening the main page with information about the product).
- The page with the calculator allows you to evaluate what risks are available for insurance and how they affect the cost of the policy. The minimum customer can purchase insurance in the amount of 100 rubles. (for example, including only the structural elements of the apartment). When adding any of the objects, the insurance premium grows by at least 100 rubles.
EXAMPLE: the price of the policy for residents of Moscow and the Moscow Region with all risks (except terrorism) and 5 objects included (except for civil liability) in the amount of 700 thousand rubles. will be 2760 rubles.
Extension of deadlines
The extension of the policy occurs at the initiative of the client after the expiration of the contract.
The beneficiary has the right to refuse to provide insurance services provided that the policy is purchased by a third party. The conditions for extending the contract can be changed at the initiative of the insurer at the time of the conclusion of the policy.
Suggestions for regular customers For clients who have an OSAGO or CASCO policy at RESO-Garantia, the insurer offers to arrange property protection with a discount of up to 50% on services. The offer is not cumulative with other promotions and discounts offered by the insurer for policy purchasers online and at the company's offices.
Termination conditions
The policy can be terminated at the request of the insured at any time, subject to dissatisfaction with the quality of the services provided by the insurer. When terminating the insurance contract, the insured (or beneficiary) may submit documents confirming the conclusion and availability insurance policy, but their absence is not a reason for refusing to terminate the insurance contract.
When terminating the contract, the client submits an application for termination of the protection contract with SPAO "RESO-Garantia", and (if possible) attaches previously executed documents. The contract is considered terminated no later than 00:00 of the day following the day of submission of the application for termination of insurance services.
Reimbursement procedure
When terminating the insurance contract with SPAO "RESO-Garantia", the insurer has the right to withhold insurance costs in the process of concluding and securing the insurance contract for the period of the policy. Expenses are calculated based on the number of days the insurance contract is valid, but not less than 35% of the initial amount of the insurance premium (subject to termination of the contract within 5 days from the date of execution).
The client chooses the most convenient way receiving funds - in cash or by bank transfer to one of the existing accounts.
Conclusion
SPAO "RESO-Garantia" is one of the leaders in the Russian insurance market. The line of insurance products provides comprehensive protection for apartment owners, offering insurance options for an individual program. The cost of the policy varies according to the wishes of the buyer. The insurer offers convenient and modern services - a round-the-clock support line, online calculation and purchase of a policy.
Elena / Houses, cottages
Policy: SYS936144206
On December 17, an insured event happened - until now. despite repeated complaints, the RESO-Garantia company did not react in any way, so I am suing it.
People stay away from this company! Do not have anything to do with her!
Irina Property insurance individuals / Houses, cottages
Policy: SYS841900368
8 years insured the cottage with payment for half a year. After another extension of the contract in August, RESO increased insurance value and, accordingly, the fee. I agreed. But in the policy, the assessment of the house remained the same (i.e., if anything, they will return the money based on the estimated, and not the insurance value!). This is RESO's first trick! The policy was redone, but removed from the notes that the house is insured without a foundation (and this is 22% of the cost of insurance). This is RESO's second trick! Fixed. And now after 5 months. sent a notification that for 5 months. the contract with me was terminated due to non-payment of 100 rubles!!! Those. I didn’t even know that because of their corrections I had a debt, and when I had to pay for the 2nd half of the year, it was then that they appeared. And if something happened to the house - sorry, the contract was terminated for non-payment! When I demanded a refund for these 5 months, they answered me that an error had occurred - the contract was not terminated (although 2 operators and employees of the RESO department confirmed that the contract was terminated !!). Here is such a CYNISM!
Permanent revocation address
Vladimir Property insurance for individuals / Houses, cottages
Policy: ID6116822
They have been insuring their house since November 2008. First, Rosgosstrakh, then VSK, the last three years in RESO (Case No. ДЧ4972350). During the entire period of insurance, the amount practically did not change. On December 12, the house burned down. Moreover, even the monolithic reinforced concrete foundation was partially destroyed. As expected, "according to the rules", they informed the insurers, filled out an application, provided all Required documents and photo. They sent an "independent" expert from LLC "DVS-Group" to the place. On December 23, being an hour late and without apologizing, the expert photographed everything, drew up a couple of protocols on what was left and burned down - on that we parted. On the same day, by e-mail, we sent the decision from the fire inspection to the insurers. In order to avoid overlays, the original was handed over through the expedition on December 25th. It would seem that all the formalities have been met, you can expect payment within 15 working days, and the amount in accordance with the insurance contract is understandable. For combined buildings (the house was lined with bricks), in accordance with the insurance contract, the "whole foundation" draws 16% of the insurance amount of the building (excluding property). If it is partially destroyed - much lower. What would seem easier - evaluate the damage to the foundation and here is the result for payment. However, everything turned out to be not so simple. In accordance with the Rules, after 15 working days, we call the insurance company - when to the cashier? Vyacheslav, the RESO expert, declares that the calculation has not been made and he could not explain intelligibly when the payment will be made. Interesting - again no apologies. Further, it is even more interesting - an expert from the ICE calls back and "proudly" informs us that he will make the calculation of the damage, at best, by January 24, since the task of "calculating" him by RESO experts was not set. I note that in response to my question - why did the ICE expert call me, because I have no "relations" with him, Inna, the deputy head of the RESO payments department, could not explain to me. A legitimate question arises - why and for whom does the insurance company write the rules? An even more interesting question is how much the damage will be assessed to us and when? For a week, of course, you can calculate something approximately (a mystery - how?), And why not start from the amount in the policy and liability limits? I wonder what they are for then? Indeed, at the stage of concluding an insurance contract, the value of the property was calculated. Where are these calculations? It turns out, pay properly insurance premium 6 years - no questions, an insured event has come - we consider the damage to what no longer exists, practically none at all. Previously, RESO was considered a solid office, but now?
Permanent revocation address
Vyacheslav Property insurance for individuals / Houses, cottages
Policy: sys278958247
Insured for more than 5 years in the company RESO-GARANTIYA. Two plots insured,6
buildings, apartment, car. In winter, in one of
buildings, an insured event occurred, a collapse of the roof occurred with a strait of water from the building. insurance company with a statement, collected a complete package on time, estimated the amount of damage at least 15,000 rubles. the builders asked for 20,000 rubles. see what happens next. I'll post the result!
Conclusion! DO NOT LISTEN TO AGENTS when they say that no one wants to pay for insurance in large, reputable companies. I sued ROSGORSTRAKH for 2 years for my mother-in-law's burnt house. I received the money in full by court order!
Tatyana Property insurance for individuals / Houses, cottages
Policy: SYS399747196
Three years ago, I insured the dacha with RESO-Garantiya, in the winter of 2012 the house burned down completely, the exact date of the fire is unknown, since no one lives in our village at that time and there was no call to the fire department. The fire inspector expressed a personal interest in investigating the fire, but I did not reciprocate. After that, I received a resolution in my hands, which said that the cause of the fire was the destruction of the fireproof masonry between the stove and the wall of the house, and the date of the fire was indicated. I wrote a separate statement to the insurance company, in which I explained that the stove did not have the indicated defects, on the indicated date of the fire I was in Moscow, and not in my village and could not violate anything, and it is completely unclear on what basis the inspector The fire department set the date of the fire. However, the employees of the RESO property payments department were not interested in my explanations, no one even asked me how the events took place. I naively believed that the Company is ready to fulfill its beautiful promises on the site and appreciates me as a client. BUT, in fact, the decision on payment is made not on the basis of the RESO Company's own investigation into the causes of the fire, but on the basis of the Resolution of the fire inspector. Do you think the fire inspector knows that the decision to pay the RESO insurance company depends on what cause of the fire he writes in the decision, does he have a personal interest in helping the client of the RESO Company? Of course yes. So formally all the grounds for refusing to pay are met.
Now I know for sure that the beautiful words on the website of the RESO Company “we are glad to offer you various options for protecting property” are just a slogan for collecting money from the gullible population. No one was even going to protect my property, I received the cost of the policy for 3 years and the RESO Company received its profit.
DC 4362491, policy SYS399747196
The Resogarant company appeared on the insurance services market in 1991. It was then that the boom in the creation of private companies began, because the USSR, with its state economy already actually disintegrated and new forms of management appeared.
About company
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The company has been constantly developing and expanding the range of services provided for legal entities and individuals. Today, the company with a 26-year history of success is considered one of the most stable in Russia. during its existence, it has turned into an international corporation: insurance companies are represented in Belarus, Armenia and Kazakhstan.
The range of services provided is extremely wide (more than 100 products).
The main areas of insurance activity are as follows:
- insurance of property of FL and LE;
- insurance of tourists going on a long journey;
- health insurance;
- CASCO and OSAGO for all Russian motorists;
- life and health insurance.
The company has repeatedly become a laureate of Russian recognition awards among insurance companies, received other prizes for merit and good propositions for clients. The reputation of IC "Reso" is impeccable, because there have never been any delays in paying out insurance claims to customers.
Products
The Reso company is mainly engaged in insurance real estate citizens of the Russian Federation. Let's take a closer look at how cottages and houses are insured.
The list of insured events, which are provided for by the norms of insurance contracts of the company, includes:
- emergency situations (lightning strike, domestic gas explosion);
- fire;
- natural disasters;
- flooding, the consequences of showers;
- illegal actions of third parties, robbery, burglary;
- consequences of an accident.
There are several options for insuring houses and cottages (depending on the list of insurance risks, the consequences of which are compensated by insurers):
In the aspect of home and dacha insurance, the company has developed several software products. Among them is the Resodom insurance policy.
Under this program, you can insure:
- cottages, garden houses;
- cottages outside the city;
- fences;
- utility rooms in the yard;
- bath rooms;
- fences and fences.
- select a risk package (for example, No. 3);
- note (or not) the possibility of insurance against terrorist acts;
- we prescribe the name of the region in which the property is located (for example, the Kemerovo region);
- indicate the objects of insurance (the main building with an estimated value of 100,000 rubles, outbuildings on appraised value 15,000 rubles);
- we prescribe the features of the house and living conditions (we put marks. Let's say the client wants to insure a brick house);
- set the deductible amount (optional).
The sum insured will be approximately 483 rubles.
It is also possible to issue a product called "Policy without inspection". What is its essence? To obtain insurance, there is no need to visit the Reso insurance agent at the location of the property.
Other benefits of insurance are:
- it is possible to issue protection for three buildings located at the same address. It is important to bear in mind that the cost of each building cannot exceed 1,000,000 rubles;
- the validity of the policy will begin 7 days after the issuance of the document;
- the insurance company will skip the execution of the contract only after providing 2 photos;
- it is possible to take out insurance at home via the Internet without visiting the office of the company.
For apartment insurance, the company offers to issue an insurance policy "Domovoy" (there are 4 types).
You can insure the following:
- apartment designs;
- finishing;
- engineering and technical equipment and movable property located inside the insured property;
- health and life of persons who live in the apartment;
- civil liability to neighbors for harm caused to them.
The company offers powerful protection against such risks:
- man-made accidents;
- natural disasters;
- actions of third parties with the aim of causing damage to the structures or property of the owners;
- falling objects or running over Vehicle(let's say the apartment is located on the first floor near the roadway).
Now let's take a closer look at the conditions of each of the packages, because there are differences among them.
So, the program "Brownie Preferential" provides an opportunity to insure:
- apartment structures with an area of not more than 100 square meters with coatings up to 1,500,000 rubles;
- decoration and interior doors for no more than 300,000 rubles;
- property of the owners and technical systems of the apartment (up to 300,000 rubles);
- civil liability to neighbours.
The amount of the insurance premium will be 3,000 rubles per year.
The House Economy package provides for the possibility of insuring the same items, but there are some differences:
- the amount of insurance coverage for apartment structures has been increased to 2,100,000 (outside Moscow) and 3,000,000 rubles;
- the insurance limit for trim elements has been increased to 450,000 Russian rubles;
- the cost of the policy will be 4500 or 6000 rubles.
The Domovoy Express policy offers the company's customers a choice of design options and, accordingly, coverage amounts.
The first option has the option:
- to insure the construction of an apartment with an area of up to 120 square meters with a coverage of up to 7,000,000 rubles;
- finishing elements in the amount of up to 700,000 rubles;
- technical systems and property of citizens with guaranteed coverage up to 600,000 Russian money;
- liability to neighbors is covered up to 1,200,000 rubles.
The price of this insurance option is 9800 rubles.
The second option provides for slightly reduced amounts of risk insurance coverage:
- no more than 5,000,000 (structures);
- up to 500,000 (finishing, doors);
- maximum 450,000 in case of damage to the property and technical systems of the apartment;
- civil liability is insured for up to 600,000 rubles.
Most profitable terms Reso offers its own customers as part of the Domovoy Premium service package.
Again, the client can choose one of two interesting options for receiving insurance compensation. Option #1 is:
- insurance of structures without limiting the area with compensation up to 15,000,000 rubles;
- risk insurance for finishing surfaces with damage coverage up to 2,000,000;
- protection of technical systems and property (movable) of the residents of the apartment in the amount of up to 1,500,000;
- civil liability insurance to neighbors on the floor and below with coverage up to 3,000,000 rubles.
The cost of such a policy is 35,000 rubles per year.
Option No. 2 provides for the protection of the same elements of the apartment and the payment of civil liability with the following reservations:
- the area of insured structures cannot exceed 150 square meters, and the amount of coverage is 10,000,000;
- the maximum compensation for damage caused to the finish cannot be more than 1,200,000;
- liability to neighbors is covered by a maximum amount of 1,700,000;
- if something happened to the property or technical systems of the apartment, the owner will receive a maximum of 1,000,000 as compensation.
The cost of acquiring such a policy is 27,000 rubles.
rules
It is impossible to list all the insurance rules within the framework of a small article. We note just a few of them:
- The list of insured risks is stipulated in the insurance contract and is exhaustive, therefore, the insured does not have the right to claim compensation for any other reasons.
- The validity period of any policy is 1 year.
- The company issues insurance for objects located exclusively on the territory of the Russian Federation.
- The contract is concluded only if all necessary documents are provided.
- The territory of a particular policy is specified in the contract.
- The insurance contract loses its legal force in such cases:
- full fulfillment of obligations;
- expiration of its validity;
- liquidation of an insurance company;
- death of the person who insured the property;
- by mutual desire;
- in case of recognition of the invalidity of the contract;
- Established in the text of the treaty maximum amounts insurance compensation for specific objects are conditional. The amount of specific compensation is set based on the severity of the damage and the destructiveness of the consequences of the incident in the apartment.
How to apply for real estate insurance for individuals in RESO
To draw up an insurance contract, you must:
- contact the office of the company;
- Submit an application for an insurance policy online.
Further actions can develop as follows:
- the policy will be issued automatically after providing 2 photos of the object by e-mail (private home insurance program "Policy without inspection") and sent to the specified postal address after the payment of the insurance premium is received on the company's settlement account;
- an insurance inspector will leave for the specified address of the object to assess the property.
After completion of the appraisal actions, the insured will have to prepare a package of documents and visit the company's office to sign the contract and receive the policy.
Required documents
To conclude an insurance contract, you will need:
- compose, which is located on the object;
- to write an application;
- draw up a list of property that is insured, indicating the main technical characteristics of each part and cost;
- provide documents confirming the ownership of the apartment and property (exchange agreement or, certificate of inheritance, agreement social recruitment, contracts, acts or invoices for the acquisition of property (if any));
- provide floor plan and other technical documents for the apartment (house);
- passport and identification code of the insured;
- a certificate with a list of people living in the apartment.
The insurance company "RESO-Garantia" carries out insurance activity for over 25 years and is one of the leaders in the Russian insurance market. The company offers clients programs property insurance for reliable protection of real estate from robbery, fire, flooding and other unforeseen incidents.
Advantages of property insurance in RESO-Garantia
At the end of 2015, the company ranked 3rd among Russian insurance companies in the property insurance segment, having collected 3,163,807 thousand rubles. premiums and paid 584,296 thousand rubles. for insured events.
The authorized capital of IC "RESO-Garantiya" is 10.85 billion rubles, and the reliability rating of the company is estimated by the "Expert RA" agency as exceptionally high "A ++" with a stable outlook. The insurance obligations of the company in terms of payments are guaranteed by the reinsurance companies Munich Re, Hannover Re, Gen Re, SCOR, Partner Re. The RESO-Garantia client base is over 10 million individuals and legal entities.
Other advantages of insurance in IC "RESO-Garantia" include:
- the ability to insure a wide range of objects - apartments, houses, cottages, fences, swimming pools, greenhouses, technical equipment;
- payment of an insurance policy in installments;
- payment of insurance compensation within 15 days.
Insurance risks covered by the policy
All property insurance programs from RESO-Garantia guarantee compensation for losses associated with the following insured events:
- fire, gas explosion, lightning strike;
- water damage;
- natural disasters (earthquake, flood, flood, hurricane, storm, tsunami, tornado, rockfall, landslide, avalanche, hail, mudflow);
- robbery, burglary;
- damage associated with illegal actions of third parties;
- collision with foreign objects;
- terrorism.
Types of property insurance programs
IC "RESO-Garantia" offers several programs of real estate insurance, differing in the objects of insurance. The list of insurance risks is identical for all programs.
"RESO-house"
This program was created to insure suburban property and provides for insurance of such objects as:
- cottage, dacha;
- interior decoration;
- movable property;
- fencing, fences;
- landscape buildings.
"Policy without inspection"
The insurance product is designed to insure any out-of-town buildings worth up to 1 million rubles. To conclude a contract, a preliminary inspection of the property by a representative of the company is not required.
"Brownie"
This program is designed to insure an apartment, namely its structural elements such as:
- walls, windows, doors, pipelines;
- covering walls, floors, ceilings;
- Built in furniture;
- heating, ventilation, sewerage, gas and water supply, surveillance and security systems;
- movable property (interior items, furniture, electronics, equipment, household appliances, dishes, tools, clothes).
In addition to the listed objects of insurance, the program provides for life and health insurance of apartment residents against accidents, as well as civil liability insurance. Registration of the insurance program "Brownie" is possible in four options, depending on the selected amount of insurance coverage - "Economy", "Preferential", "Express", "Premium".
The cost of property insurance programs
The table below provides indicative data on the cost of property insurance from RESO-Garantia in Moscow as of 2017.
The name of the program |
Insured risks |
The amount of insurance coverage, rub. |
Cost of insurance, rub./year |
"RESO-house" |
fire, gas explosion, lightning strike; water damage; natural disasters; robbery, burglary; damage associated with illegal actions of third parties; collision with foreign objects; terrorism. |
house - 6,500,000; movement property - 500,000; bath - 800,000; garage - 300,000; fence - 150,000. |
30 520
|
"Policy without inspection" |
house - 500,000; movement property - 50,000; bath - 250,000; hozblok - 50,000. |
6 480
|
|
"Domovoy-Preferential" |
apartment design - 1,500,000; finishing - 300,000; movement property - 300,000; |
3 000
|
|
"Domovoy-Economy" |
apartment construction - 3,000,000; finishing - 450,000; movement property - 300,000; civil liability - 300,000. |
6 000
|
|
"Domovoy-Express" |
apartment construction - 7,000,000; finishing - 700,000; movement property - 600,000; civil liability - 1,200,000. |
9 800
|
|
"Domovoy-Premium" |
apartment construction - 10,000,000; finishing - 1,200,000; movement property - 1,000,000; civil liability - 1,700,000. |
17 000
|