Clients can protect their home at the insurer’s office or via the Internet. When applying for a policy with the company, you should take with you:
- Passport. If the property owner is not the buyer, the insurance agent will also need his information.
- Housing assessment. It spells out the main points that affect the cost of the apartment, including within the framework of the mortgage agreement.
- Loan agreement(if it is collateral insurance).
- Property documents. If there are several owners, and the insurer wishes to protect only part of the property, the contract will allow the insurance premium and coverage to be calculated.
REFERENCE: You should check with the company managers about the need to take additional documents. You can leave a request by phone, making an appointment in advance and clarifying the details of purchasing the policy.
When applying for insurance via the Internet, a minimum of documents is required: the buyer’s passport, details of the owner of the home (if the buyer is not the owner), as well as the address where the property is located. Additional information is provided in the form to fill out. There may be information about the area and a description of living conditions.
Algorithm of actions
It's easy to get insurance:
- The client decides on the choice of company.
- Reads the terms and conditions and determines which risks are optimal for him.
- Prepares documents and pays for insurance.
- Checks the policy for errors and activates the service if necessary.
What to do if you don’t have your own property?
If the buyer is not the owner of the apartment, he can buy insurance “as a gift.” But at the same time, the owner of the property should be indicated as the beneficiary, and the address where the property is located should be indicated.
Some companies require activation of insurance, which affects the nature of the service. For example, if a buyer purchased a policy from Sberbank and did not activate it within the specified time frame, then the service will be provided not to the actual owner of the property, but to the one who issued the document.
What to do if you have property in a new building?
When taking out a policy for apartments in new buildings, a property assessment is required, since in 8/10 cases this is related to the mortgage agreement. If the client insures housing purchased with his own funds, then he must indicate whether his area is favorable for living in terms of infrastructure (bus stops, schools, kindergartens, shops).
Additionally, information about the delivery of the house is provided: when the property is transferred to the property, is the developer reliable in order to take into account possible risks for the insurance company.
REFERENCE: Sometimes the paperwork process can be delayed through no fault of the client himself. In this case, it is possible that the insurance contract will be specified “retroactively.”
If the client insures an apartment in another region (city), then an assessment of the property and a detailed description may be a necessary condition, since the insurers are not local residents and will not know all the nuances of the residence.
Instructions for obtaining a housing policy
In order not to make a mistake with insurance, you should pay attention to each stage of applying for a policy.
Selecting an insurer
Competition in the market is high, so the client will not have problems obtaining a profitable policy.
What risks should be included in the contract?
The most important risks to insure are fire, flood, public liability and theft. They are insured by 90% of companies and are 88% of the reasons for which insurance claims are admitted.
But there are organizations, for example, Ingosstrakh, which can include other opportunities in the protection program.
When choosing a policy with maximum protection “PLATINUM”, the client receives the full range of insurance privileges for property protection. Insurance helps in case of damage during repairs or unlawful actions of pets, also protecting the interests of the owner in civil liability.
Calculation of the property protection program
When choosing which insurance option to choose, the client must focus his attention on the risks necessary for himself. They affect the final price of insurance.
If you need to temporarily insure your home, for example, during a vacation or a long business trip, then it is not necessary to buy a policy for a year.
Some insurance providers, Ingosstrakh, for example, offer a special product for the period of absence with a daily payment.
Policy cost: number of days multiplied by the insurer's premium - 35*10=350 rubles
But not all companies offer payment by the day.
Sberbank Insurance immediately included all protection services in the policy and made the price fixed. The client does not need to make an independent calculation; he just needs to decide on the cost (2500-7500 rubles). Coverage depends on the amount of the insurance premium.
With other insurance companies, you must independently choose (exclude or add) risks or the amount of coverage.
Insurance company "MAX" offers policies for 0.5-15 thousand rubles with coverage of 25-5000 thousand rubles. To make the calculation, the client selects the “Property” section and a protection program, for example, “City Lights”. Next - it is determined with the package. If you are interested in instant compensation of up to 15 thousand rubles, you should additionally select the “INSURANCE WITHOUT PROBLEMS” option.
How to write an application?
In order to properly insure an apartment, the client, when writing an application, must indicate:
- Property owner's name and address;
- insurance risks;
- the cost of housing and factors influencing its size.
- “Head” of the contract: contains information about the essence of the policy and the client’s will. “I ask you to conclude/execute an insurance agreement for an apartment (property) and/or civil liability on the basis of...(description of the insurance agreement and the insurer).”
- Information about the insured and the beneficiary of the property with a detailed description of the address of the property.
- Description of services and risks included in the contract. This may include protection from fire, flood, inundation, lightning, falling flying objects, theft, and civil liability to neighbors.
The buyer of the policy selects risks, wanting to adjust the amount of insurance. By purchasing an “All Inclusive” (“VIP” or “Lux”) package, the client receives a full range of services, the cost of which will be higher than the standard insurance package.
- History of insurance. The policyholder indicates whether the service was purchased from this company previously, or whether the client already has a policy from another company. The insurance company offers discounts of up to 30% to regular customers.
- Factors influencing the value of property. Description of the surrounding area and wall materials, construction period, condition of the apartment.
Emergency buildings and dilapidated housing are not subject to insurance, as they pose significant risks for the financial company.
- Calculation of cost and duration of the contract.
Some companies offer fixed policies, the cost of which does not change, since all services are already included in the package “by default”. In 9/10 cases, these are services arranged online, on the insurer’s website. It takes the client no more than 10 minutes to fill out such an application, since it is only required to indicate the full name of the policyholder and beneficiary, and the address of the apartment.
The cost of policies in such cases depends on the amount of coverage: the more expensive the payment for an insured event, the larger the amount of the insurance premium (policy).
Additional documents to the insurance policy
If the client wishes to include additional services in the insurance, then certificates must be issued for them. This may be an unusual type of risk, for example, animal activity, or a lump sum payment upon the occurrence of an insured event.
When applying for a policy via the Internet, the client receives an electronic document, which is an analogue of the classic version of the policy. If additional services were not included in the default insurance amount, it is recommended to check with the agent whether the desired type of risk or special payment option will be included in the insurance.
ADVICE: if it is not possible to conclude an agreement on the desired terms, it is recommended to pay attention to another insurer, or ask for a discount.
How to register for your home?
The policy buyer must decide which method of purchasing insurance is optimal for him. Online purchasing is being considered as an alternative to ordering services in the office.
Purchase from an insurance company
- When visiting a branch of the organization, the client takes with him all the necessary documents to issue a policy.
- It is recommended to decide in advance on the service provider and insurance option in order to exclude unfavorable offers and additional products for which the client is not going to pay.
- The process of applying for a policy in the office takes no more than 30 minutes. The insurance agent selects an offer according to the client’s request and calculates the cost of the service.
- The policy buyer fills out the paperwork, reads the insurance contract, and signs the papers. Next comes payment for the purchase.
Some policies must be activated before purchase within a specified period not exceeding 14-30 days. It is better to clarify this information with the agent, additionally asking about the terms of validity and renewal of the contract. It is recommended (if it is profitable) to apply for renewal to trusted companies that have already provided services to the client. This will help reduce the cost of the service by 5-30% (discount for regular customers).
Online purchase of a policy
When purchasing a policy online, the client must pay attention to whether it is necessary to print the document after registration, or whether an electronic version of the insurance will be sufficient.
To apply for a policy online you need:
- Client's passport.
- Information about the owner of the property and the address of the apartment.
- Additional certificates provided by the service provider.
The client takes full responsibility for the purchase, enters data and pays for the service independently.
What should you pay attention to when receiving a policy?
The presence of errors in the insurance contract, especially regarding the full name and address of the beneficiary, is unacceptable. This affects the contingency payout. It is not recommended to sign a policy if there are errors.
REFERENCE: an electronic document is equivalent to a regular format. There is no need to print the certificate. It is enough to save the version on your computer, and all the information will be located on the insurance company’s website.
Difficulties in obtaining insurance and their solutions
The main problems when selecting insurance are related to insufficient documents or other registration of the client.
If difficulties are associated with the lack of certificates, you should clarify whether the document can be replaced with another one. For example, if the client has not had the home assessed, and the insurer requires a detailed report, you can collect information from the developer and provide data on the condition of the house or wall materials.
Nonresident citizens may encounter difficulties when wanting to insure an apartment outside their region of residence. It is recommended to take with you a complete package of documents for the apartment when visiting the insurance company in person, or, in a simplified way, apply for insurance on the website.
Apartment insurance is a useful process, as it allows you to compensate for significant losses from any damage or to compensate for loss due to theft. Insurance will be useful in many cases.
The features and benefits of insurance include receiving payments without additional rates (if the damage is estimated at less than fifteen thousand rubles), fairly reasonable prices, a contract for absolutely any period of time (from about a month to one year), the ability to purchase both a comprehensive policy and insure only individual elements (structural elements, decoration, liability to neighbors, etc.), compensation for cleaning costs in the event of any vandalism or adverse actions of third parties, the possibility of concluding an agreement without an inventory of property.
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How much does apartment insurance cost?
In general, comprehensive insurance for an apartment starts from 1 thousand rubles. It is impossible to say an exact figure, since the cost is influenced by many parameters.
Typically, the owner of the apartment arbitrarily determines all the conditions and nuances of the insurance contract. Alternatively, he may include various risks in the contract: for example, broken glass and mirrors, damage to the land plot or network fluctuations. It may also provide for reimbursement of additional expenses: for a quick return home from another country, searching for lost or stolen luxury items, cleaning the house, restoring documents, keys and locks.
In general, the cost of insurance for decoration and contents is 0.4%–0.8% of the sum insured. As for home insurance, from 0.3% to 0.9%.
The cost is affected by the following parameters
The cost cannot be determined initially. If we are talking about individual insurance, then the company comes to the apartment and conducts an appropriate inspection, after which it gives a certain assessment, on which the final price of insurance will depend. The tariff itself is determined by several criteria: the material, how old the apartment is, whether there is security in the house, the floor of the apartment and many others.
In general, the price depends on the risk of damage. For example, what is the difference between apartment insurance and wooden house insurance? Because the risk of damage to the wooden structure is much higher. As a result, the payment for it will be much higher.
If the apartment is rented by someone, then the price will also be higher, because the owner of the apartment is less interested in its integrity. The price is reduced in the presence of various types of alarms, iron entrance doors, security and a reliable entrance to the entrance. Insurers call “risks” all the nuances from which an apartment should be protected.
The most common risks:
- Natural disasters.
- Fire.
- Gas problems.
- Entry with theft and damage to property.
- Flooding.
Insurance that includes all these parameters is called comprehensive. Usually it also provides for civil liability to neighbors.
To summarize, when determining the cost of insurance, there are separate criteria:
- The structure of the room (doors, walls, balconies, windows, ceiling, etc.).
- Engineering communications (heating, electrical, plumbing, etc.).
- The interior of the room (renovation, flooring, wall decoration, interior, etc.).
- Furniture and appliances.
- Duration of insurance.
Price of a civil liability insurance policy
The cost of insurance of this kind depends on the activities of the person to be insured, the amount, the presence of security, the level of security, and other criteria on which the risk depends. This option takes into account the individualization and features of use of the apartment.
The following cases can be insured:
- Causing harm to health.
- Damage to property.
- Attempt on life.
Insurance covers:
- It satisfies claims for compensation for damage caused to something.
- Recovers expenses in legal proceedings.
- Pays for health restoration.
- Pays for the restoration of damaged property.
What is “box” insurance
Such insurance is called “boxed”, subject to the presence of certain criteria, risks and prices. It includes different types of insurance: in general, they depend on your requirements and needs. In addition, “boxed” insurance costs much less than you would purchase each insurance policy separately.
This type of insurance is one of the most affordable and makes it possible to insure your apartment and the property located in it at a low price. This is a rather convenient feature, allowing the client to maintain profitability and not hit their finances.
Typically, companies offer their clients insurance against more significant risks, such as fire, burglary and damage, natural disasters, illegal actions of third parties, physical harm, and so on.
In addition, this insurance has many advantages:
- Setting it up is quite simple and quick. The process typically takes only 15 minutes and has very little paperwork, making it easy to follow and easy to understand.
- A company representative may not come to inspect and evaluate the apartment. That is why this procedure is called “express insurance”.
At this stage of time, such insurance is popular, since there are a lot of proven and compiled insurance options and they have a fairly large price limit at which insurance can be purchased. In addition, it includes civil liability insurance when living in an apartment.
If the apartment has luxury items, is a special agreement required?
All valuable items located in the apartment can be insured both together with the apartment and separately, depending on the desire and preference of the owner. Moreover, in different rooms the set of criteria may vary. For example, it is possible to include in the contract only the jewelry that is in the apartment or the antique service that is in the living room.
Are there any discounts?
Discounts are made depending on the insurance company itself and their features. This or that company may provide discounts to regular customers. And some can build cooperation without discounts at all.
Basically, discounts are provided if the policyholder has special policies. These policies are called “OSAGO” or “CASCO” from Ingosstrakh.
Example of calculating the cost of a policy
Each insurance company has a different price, so we will provide approximate figures and methods that are very close to the facts.
Let's say you purchased a fixed box insurance package with certain risks (theft with damage, fire, gas explosion, flooding, terrorism, glass damage, damage to electrical equipment, natural disasters, actions of intruders), and this package already has a certain rate. In general, the tariff depends on the number of risks and the insurance company itself, and it is shown as a percentage.
- The price of insurance for an apartment (structural elements) according to the tariff is 0.11% per year of its cost. That is, if the price of an apartment is 2 million, then insurance for it will cost 2200 per year (0.11% of these 2 million).
- The price of insurance for interior decoration is 0.4% per year of its value revealed during inspection. Let's say its cost is 600 thousand rubles. Consequently, the price of insurance will be 2,400 rubles.
- The price of insurance for equipment and furniture is from 0.5% per year of their value revealed during inspection. Let's assume 250 thousand rubles. The resulting insurance price is 1250 rubles.
- The price of civil liability insurance is 0.5% per year of the desired amount of insurance. Let's say 200 thousand rubles. Therefore 1000 rub.
The result is 6850 rubles per year (2200 + 2400 + 1250 + 1000).
Bottom line
Well, you've finally completed the renovation - brand new decoration, brand new furniture. And in the next entrance, the neighbors again flooded 4 floors. There are horror stories at work about the increasing number of attempts to break into apartments. Have you started to think more often about ways to protect your property? In this article we will look at what and how you can insure your home, and what pitfalls you can avoid when dealing with insurance companies. Voluntary apartment insurance - we answer all questions!
The property insurance market in Russia is growing every year - insurance programs are being improved, loyal tariff schedules are being introduced, and active work is being carried out with the population. But, despite all efforts, the statistics are still sad - only 8% of citizens regularly insure their apartments. Against the background, this figure has increased slightly, but the fact remains that we do not have the habit of insuring apartments annually.
The Federal Law “On the organization of insurance business in the Russian Federation” dated December 31, 1997 determines the voluntary nature of insurance of any property interests. Neither the Constitution of the Russian Federation nor any other legislative acts force insurance.
In the article we will figure out what can be insured against, how to do it, and most importantly, what you can save on.
Voluntary apartment insurance: what can be insured?
So, what can be insured under a voluntary apartment insurance contract:
- The structural elements of the apartment are walls, ceilings, balconies and loggias, windows, doors.
- Engineering communications - heating systems, electricity and water supply, plumbing.
- Interior decoration - flooring, wallpaper, decorative elements.
- Furniture.
- Household appliances.
- Antiques, jewelry, collections.
- Leather and fur products.
Universal insurance programs that provide protection to several levels of property at once are called comprehensive. Home insurance complete with decoration and contents will cost several times more than box insurance, but most risks are associated with the contents of your apartment; the walls and ceilings remain undamaged.
It's becoming more and more popular today civil liability insurance for neighbors . It is no secret that neighbors who have suffered through your fault are trying in every way to embellish the damage caused; it takes enormous effort and nerves to resolve such a situation peacefully, and it will certainly be very costly.
The insurance company undertakes to settle the consequences of a flood, fire, power failure and other disasters, professionally conducts assessments, and most importantly, conducts all negotiations.
Everything that the insurance company can insure us against is called risks .
- standard - a minimum set of risks included in almost all standard contracts;
- extended - with a wide range of coverage;
- special - indirectly related to the damage caused.
Standard the set of risks is determined by the internal rules of the insurance company and, as a rule, includes:
- fires;
- floods;
- illegal actions of third parties (burglaries, thefts, intentional arson, terrorist acts, etc. under the Criminal Code);
- floods;
- aircraft crashes;
- collision with motor vehicles;
- explosions of a man-made nature.
IN extended The list of risks may include:
- broken glass;
- damage from falling trees and concrete pillars;
- damage to household appliances due to voltage surges;
- floods due to breakdowns of washing machines, heavy rainfall, broken aquariums;
- careless actions of contractors during repair work;
- damage to the air conditioning system due to low temperatures;
- damage to property due to condensation/steam.
Special risks include:
- transportation costs associated with an emergency return from a business trip or vacation destination due to the occurrence of an insured event;
- rental housing costs during the restoration of the apartment (the level of rented housing is determined by the terms of the contract);
- loss of rent during the period of restoration of the apartment (if there is an official lease agreement);
- expenses for dismantling and disposal of damaged/destroyed property.
Each additional risk in the insurance contract package is a plus of several hundredths to the insurance premium. Insurance companies always accommodate and include certain risks even in universal contracts, but it is unlikely that you will be able to exclude clauses that are irrelevant to you in express registration. Our advice: carefully study the contract, or better yet, draw it up individually.
Methods for obtaining an insurance policy
There are two ways to purchase a voluntary apartment insurance policy:
- individual;
- express - registration.
Individual The method involves inspecting the apartment, assessing the property and funds invested in repairs, and taking an inventory of valuables and household appliances.
When taking out insurance individually, you choose one of three options for determining the amount of compensation:
1. According to expert assessment.
2. Based on the amount of checks paid for property, repairs.
3. By agreement of the parties.
The disadvantage of this method is the lengthy procedure for obtaining a policy.
Express - registration takes much less time, as it does not require inspection and assessment of the property. Typically, the insurance amount is limited by the insurer's offer and is chosen by the client at his own discretion.
The disadvantage of this method is a single tariff that determines the amount of the insurance payment.
For example, the insurance rate is 0.25%. You have chosen insurance compensation in the amount of RUB 500,000.
Insurance payment = 500,000*0.25% = 1250 rubles.
And this amount is 40 - 50% higher than what could be deposited using the first method.
Applying for insurance using the express method will take 15-20 minutes, but subsequently determining the amount of damage may take more than one week. The difficulty will be that a preliminary inventory of the property was not compiled, how much it costs was also not stated, so the amount of compensation is offered to you by the insurance company at its discretion (taking into account wear and tear and other methods that only they understand).
If you do not agree with this assessment of damage, feel free to contact independent appraisers and go to court.
How is the insurance payment formed?
The amount of the insurance payment can be:
- fixed;
- differentiated.
Fixed the cost is used for comprehensive standard insurance or for mass attraction of new clients.
For example, residents of a certain area containing typical apartment buildings approximately one year old are offered to insure their apartment at a rate of 0.15% of the desired indemnity amount. The offer is good, but before purchasing such a policy, you should still read the contract. Perhaps the insurer offers insurance for load-bearing structures against a tsunami or earthquake, which in your region is akin to a mythical legend.
The most correct and therefore most often applicable cost differentiated , that is, composed of many parameters. For example, the region where the property is located, city, district, neighborhood and even street.
- type of housing (private house, apartment, technical buildings);
- number of storeys;
- the presence of independent alterations in engineering communications;
- materials used for finishing;
- availability of fire and security alarms;
- sizes and quality of windows (for example, wooden or plastic, fixed or opening, with anti-vandal locks, bars, etc.).
When setting insurance rates, companies use statistics, police reports and even weather forecasts. Professional analysts, entire departments, and sometimes individual companies work on tariff preparation.
Ways to save on your insurance policy
The insurance agent’s task is to include the maximum number of objects and risks in the contract, thereby increasing the amount of the insurance premium.
Be prepared to parry most of the learned and hackneyed phrases, and remember a few simple tips on how you can save money when taking out a policy.
First, use individual programs that include inspection of the insurance object and insured property. The tariff for such programs is lower.
Secondly, install a security alarm in your apartment, and ideally a remote leak detection system. The initial investment will not pay off in one year of insurance, but the benefits will be much greater.
Third, eliminate clearly irrational risks. For example, for apartments located above the 1st floor, the risk of being hit by a vehicle is reduced to zero.
Fourth, use a franchise. If you agree to take on small amounts of damage, in the range of 5,000 - 10,000 rubles, the insurance company will offer a much more favorable rate.
And fifthly, in case of emergency, insure the apartment only for the duration of long absences or vacations.
Such a policy will be cheaper, but compared to the cost of the annual tariff, you will lose a little. Here it would be appropriate to insure not only the apartment, but also liability to neighbors. After all, it will no longer be possible to call a plumber in time in case of a pipe rupture.
And another piece of advice for car owners: if you are applying for CASCO insurance, check with your insurance company to see if you are entitled to a discount on a second insurance product. You can also get a significant discount if the first contract breaks even, that is, if no insured events occurred with your car.
If you do not indicate that your neighbors regularly drown you, and during the next flood you demand compensation, the insurer’s lawyers will easily restore the fact of fraud and legally refuse to pay you. Similarly, you should not hide the fact of temporary residence in an apartment, frequent and long business trips, upcoming repairs with replacement of pipes and batteries, etc.
Municipal insurance
Residents of the Northern and Western administrative districts of Moscow find the line “Insurance” in their receipts for utility bills. What does it oblige you to? Or what opportunity does it offer? Let's figure it out.
In 1997, the Moscow Government, together with AlfaStrakhovanie Insurance Company, created a program to protect the property interests of citizens in the form of municipal voluntary insurance of apartments, communal rooms, as well as their interior decoration and engineering systems.
The registration method is express, without inspection of the insurance object.
The insurance policy arrives by mail; there is no need to visit a company branch.
The program really voluntary and does not oblige you to anything. Simply, every owner of an apartment or its tenant can insure on preferential terms against risks associated with fires, explosions (including terrorist ones), accidents on water, gas and electricity supply lines, ruptures of pipes and sewerage (even outside the apartment), heavy winds , tornadoes and hurricanes.
The insurance company's website has a calculator in which, by indicating the street, house, apartment and square footage, you can calculate the amount of payments.
The program offers a choice of 2 insurance coverage amounts per 1 sq.m.:
basic - in the amount of 36,300 rubles;
alternative — 54,450 rub.
For the basic offer, the insurance premium can be divided into 12 months and paid in equal parts throughout the year; For the alternative, you need to make the insurance payment in a lump sum.
For example, an apartment with an area of 36.31 sq.m. can be insured at the basic rate for the total amount of compensation: 36.31 * 36,300 = 1,318,053 rubles. and at the same time pay 48.29 rubles monthly for the policy.
And according to the alternative proposal, the amount of compensation will be equal to:
36.31 * 54,450 = 1,977,079.50 rubles. and you need to make 1 payment - 871.44 rubles.
In addition to payment via voucher, insurance payments are accepted from bank cards, terminals, and electronic wallets.
AlfaStrakhovanie Insurance Company and the Moscow Government share responsibility for payment of insurance compensation in the proportion of 70/30 or 80/20, depending on the chosen coverage option.
What to do if an insured event occurs
When concluding an insurance contract, we still hope that we will not need it. But if an insured event occurs...
A reminder about the procedure to follow in the event of an insured event should be kept in an accessible place and preferably not in the apartment itself; a wallet or glove compartment of a car will do.
So, point one: take all possible measures to save your property (the point concerns floods, fires, etc.), inaction is equivalent to intentional damage.
Be sure to call the appropriate emergency service - emergency, police, firefighters, housing office employees, who will document and document the incident.
Then you need to notify the insurance company about the occurrence of an insured event via the hotline. For different cases, different notification periods are provided - mainly up to 12 - 24 hours, they cannot be violated.
Until the emergency inspector arrives, keep the scene as pristine as possible. If the approximate amount of damage does not require a visit from an insurance representative, please clarify within what time frame you need to submit an application for payment of compensation.
Remember that you cannot begin renovating an apartment or disposing of destroyed/damaged property without the permission of the insurance company.
You need to prepare for the meeting with the insurance inspector; the required package of documents will include:
original passport and TIN;
a written statement with a list of insured damaged property;
original insurance contract;
act/certificate/conclusion drawn up by the civil service;
title documents for the apartment.
Real estate insurance is voluntary and less popular than CASCO policies. Practice shows that people who either recently bought an apartment or recently completed renovations turn to insurance companies. That is, those who have recently parted with an impressive amount of money and are afraid that the spending will not be in vain. Determine for yourself the value of your home and property, weigh the pros and cons. Sometimes insurance is the key to a restful sleep and strong nerves, and this is already a lot!
The policy at the lowest cost is offered by the VTB Insurance company. When purchasing a “boxed” product “Hello, Neighbor!” for 549 rub. You can insure the interior decoration of an apartment and movable property in it for 100 thousand rubles, and your liability to neighbors for 50 thousand rubles. This money should be enough in case of flooding or electrical short circuit.
You will have to pay a little more for a policy at Independence Insurance Company (operating under the Vazhno brand) - 600 rubles. The payment limit is limited to 50 thousand rubles. in each of the risks (apartment decoration, movable property and civil liability).
The more protection required, the more expensive the insurance. If the amount of insurance coverage increases to 100 thousand rubles. for finishing housing and property, as well as up to 75 thousand rubles. in case of civil liability to third parties, the cost of the policy increases to 850 rubles. (SK "Sovetskaya"). With approximately the same payments, you will have to pay 1,000 rubles for a policy at AlfaStrakhovanie, and 1,040 rubles at Bin Insurance.
The largest insurer in the country, Rosgosstrakh, was not included in the rating. His Economy policy costs 4,890 rubles. However, for this money, interior decoration will be protected for 300 thousand rubles, household property for 200 thousand rubles, and liability for 40 thousand rubles.
Top 10 cheapest home insurance deals
| № | Company name | Cost of the policy, rub. | What is insured |
| 1 | 549 | Interior decoration, utilities and equipment, movable property in the apartment - up to 100,000 rubles, civil liability - up to 50,000 rubles. | |
| 2 | 600 | Finishing and engineering equipment - up to 50,000 rubles, civil liability - up to 50,000 rubles, movable property - up to 50,000 rubles. | |
| 3 | 850 | Apartment finishing – up to 100,000 rubles, movable property and technical equipment – up to 100,000 rubles, civil liability – up to 75,000 rubles. | |
| 4 | 999 | Interior decoration and equipment - up to 100,000 rubles, civil liability - up to 100,000 rubles, household property - up to 100,000 rubles. | |
| 5 | 1000 | Apartment finishing – up to 100,000 rubles, household property – up to 75,000 rubles, civil liability – up to 75,000 rubles. | |
| 6 | 1000 | Finishing and engineering equipment - up to 50,000 rubles, household property - up to 50,000 rubles, liability to neighbors - up to 50,000 rubles. | |
| 7 | 1000 | Apartment finishing – up to 100,000 rubles, household property – up to 100,000 rubles, civil liability – up to 50,000 rubles. | |
| 8 | 1040 | Interior decoration of the apartment - up to 100,000 rubles, movable property in the apartment - up to 100,000 and civil liability - up to 50,000 rubles. | |
| 9 | 1150 | Finishing and engineering equipment - up to 100,000 rubles, civil liability - up to 50,000 rubles, movable property - up to 50,000 rubles. | |
| 10 | 1350 | Interior decoration and engineering equipment of an apartment - up to 50,000 rubles, household property - up to 50,000 rubles, civil liability - up to 50,000 rubles. |
What determines the cost of the policy?
The cost of a home protection policy directly depends on the amount of insurance coverage, that is, the maximum amount of payments for protected risks. The risks most often include:
- interior decoration of the apartment (for example, wallpaper, flooring, built-in furniture, etc.);
- movable property (furniture, clothing, household appliances, etc.);
- civil liability (liability of the property owner to neighbors for flooding, fire, etc.);
- structural elements (for example, protection against damage to floors, walls, ceilings, etc.).
Risk factors
When choosing an insurance option, you need to determine what is most dangerous in your apartment. If the housing is located in a dilapidated building, then first of all it is necessary to protect the structural elements. If the pipes have not been changed for two decades, then the emphasis should be on protecting the decoration of the apartment and civil liability to neighbors. Risk factors also include:
- location of housing on the first or last floor of the house;
- if the apartment has problems with electrical wiring;
- if there is gas in the apartment;
- if you have made expensive repairs;
- if you often go away for a long time.
For those who want to insure an expensive piece of real estate (for example, a multi-room apartment or house), experts recommend contacting an insurance company for an individual calculation, which will help to objectively assess and protect possible risks.
The search for the cheapest policies for home insurance took place using the websites of insurance companies included in the top 100 in terms of the volume of collected insurance premiums in the first half of 2015. The calculations indicated a 2-room apartment with an area of 55 square meters. m, located in Moscow. It was assumed that the property was not for rent, had a gas supply and was located on the first or last floor of a building that was not considered unsafe. We considered insurance options that simultaneously protect against risks: civil liability, movable property and finishing (including engineering equipment). The cost of insurance was calculated on November 18 and 19, 2015.
If the apartment is insured, the insurance will cover damage from the most common insured events that can happen in the apartment, for example:
- fire and its consequences (including fire extinguishing), even if it did not start in your apartment;
- an explosion for any reason other than a terrorist attack, even if it did not occur in your apartment;
- flooding of the apartment due to an accident in the heating systems, water supply, sewerage, internal drains, even if the accident did not occur in your apartment;
- wind over 20 m/sec - hurricane, tornado, squall, accompanying rain, snow or hail.
If, as a result of an insured event, your apartment is destroyed or becomes uninhabitable, the Moscow Government, at your choice, will provide you with housing or compensation for losses in accordance with the Regulations on the insurance system in the city of Moscow for residential premises (Appendix 1 to the Moscow Government dated October 1, 2002 N 821-PP).
2. Who can insure their apartment?
Almost any owner or tenant of a Moscow apartment building can insure their apartment or room. There is only one exception: you will not be able to insure your apartment or room if the residential premises are recognized as unsafe or unfit for habitation.
3. How much is insurance?
The city's home insurance system provides two insurance options - basic and with an increased amount of coverage.
Basic insurance
Insurance premiums can be paid immediately for the year, or monthly, according to the tariff:
- 22.44 rub. for 1 sq.m. of the total area of the apartment - per year;
- RUB 1.87 for 1 sq.m. of the total area of the apartment - per month;
Payment limit: 42,000 rubles per 1 sq.m. of the total area of the apartment.
Insurance with an increased amount of insurance coverage
Insurance premiums are paid for the entire year at once at the rate: 37.68 rubles. for 1 sq.m. of the total area of the apartment.
Payment limit: 63,000 rubles per 1 sq.m. of the total area of the apartment.
4. How to conclude an insurance contract?
The city's insurance protection system is designed to make it as convenient to use as possible.
In the basic version, it works as follows: the State Budgetary Institution of Moscow, authorized by the Moscow Government, “City Center for Property Payments and Housing Insurance,” annually organizes the mailing of “Insurance Certificates” to bearer (without indicating the full name of the home owner or tenant) - in fact, this is a proposal conclude an insurance agreement with monthly payment of premiums with an insurance company selected at a city competition. As a rule, special receipts from the insurance company are sent along with the certificates, which can be useful if you do not pay for housing and communal services according to a single payment document (UPD) or want to pay for insurance for the whole year at once.
If you are eligible to participate in the city's home insurance system, but have not received a Certificate of Insurance or receipt for payment, you can contact an authorized organization or insurance company
In order for the insurance contract to be valid in the basic version, it is enough to pay monthly insurance premiums for the next month. For example, in September you can pay the insurance premium until September 30 inclusive, and then the insurance will be valid throughout October. However, if you do not pay the premium or pay it later (for example, pay the premium on October 1 or later), the insurance will not be valid in October. However, this does not mean that the insurance contract is no longer valid - a premium paid on October 1 or later will ensure insurance of the apartment in November.
5. How to pay insurance premiums?
Most residents of Moscow houses receive payment documents to pay for housing and communal services in the form of an EPD, which contains the column: “Amount including voluntary insurance.” It is enough to pay the bill taking into account this column for the current month before the beginning of the next month, and your apartment or room will be insured for the next month.
If you pay for housing and communal services not according to the EDP, but according to other documents, you can pay insurance premiums using receipts from the insurance company, which are usually sent out along with insurance certificates.
6. How do I pay insurance premiums if I want insurance at an increased rate?
If you want to increase the amount of insurance coverage in the event of an insured event or simply sign a contract for a whole year to pay for insurance for a year at once, contact the insurance company serving your administrative district.
By contacting the insurance company, you can conclude an individual contract for a period of one year.
7. What to do if an insured event occurs?
Upon the occurrence of an insured event:
- immediately notify the fire service, emergency services or other competent authorities;
- within three business days from the moment you learned about the incident, report it to the insurance company.
To register losses, provide the following documents to the insurance company:
- a statement describing the insured event and damage to the residential premises;
- a document confirming the fact of payment of the insurance premium;
- document proving the identity, citizenship and place of residence of the policyholder, for example, a passport;
- title documents for residential premises;
- residential premises insurance certificate or policy;
- a document from a competent organization establishing the date and cause of the event that resulted in damage (destruction) of the residential premises;
- bank details for receiving insurance compensation.
Damage caused as a result of an insured event is calculated taking into account damage to all structural elements, finishing elements, engineering equipment, elements of internal communications related to the insured residential premises.
8. What is home contents insurance?
Homeowners are required to pay only the costs of maintenance and current repairs of the house and make contributions to the capital repair fund. But if you need an unplanned repair of something that has broken down, you will have to raise money for it separately.
However, if the general contents of the home are insured, the insurance may cover these costs. Insured events covered by insurance:
- fire and its consequences (for example, if the house was damaged by flame, smoke, high temperature, or in the process of extinguishing a fire);
- explosion for any reason, with the exception of terrorist attacks;
- accidents of heating systems, water supply, sewerage and internal drains;
- one of the owners of the premises;
- persons authorized by the decision of the general meeting of premises owners;
- homeowners association;
- housing cooperative;
- a consumer cooperative created by premises owners for the purpose of managing common property;
- house management organization chosen by the owners of the premises.
To conclude a contract, the policyholder or his representative must contact the insurance company serving your administrative district.