Insurance of an apartment or house

Types of apartment insurance at Sberbank

Sberbank presents insurance programs for all occasions, and even for situations that are difficult to imagine. Sberbank thus allows you to be surrounded by “straws” from all sides:

“Insurance for travelers” - makes it possible to feel safe when you are far from home and your native country, receiving assistance:
medical;
in case of flight delay or trip cancellation;
in case of lost luggage - and more.

“Card protection” - guarantees the safety of money and compensation for damage when a crime is committed.

“Protection of loved ones PLUS” - allows you to take care of yourself, your children and elderly family members if you are injured or even disabled as a result of an accident.

“Head of the family” - will financially provide for the family during a difficult period of time associated with unfavorable events in the life of the head of the family.

“Protection against ticks” - provides for the organization of qualified medical care for a tick bite and the consequences associated with the bite.

“Insurance against accidents and illnesses” - will provide financial support in the event of an unforeseen complex illness, loss of ability to work, or death.

“Protected borrower” - will transfer the responsibility for repaying the mortgage loan to the insurance company if the borrower, due to illness, loses his job or passes away.

“Mortgage insurance” - protects real estate purchased with a mortgage from possible risks.

“Ticket to the Future” will help you save up to 1 million rubles to pay for your child’s education without much effort.

“Accumulative life insurance” will provide the opportunity to accumulate the desired amount to achieve an important goal and protect savings.

“Protected investment program” will provide 100% protection for the capital invested in the selected investment program and will provide additional income.

“Future capital” - allows you to safely save and receive investment income from the activities of the insurance company for the effective investment of capital.

“Home protection” will protect your home and the property located in it from the most terrible risks, and in addition, will compensate for financial damage to your neighbors if an unforeseen situation occurs.

Cost of insurance in accredited companies

Insurance usually costs 0.25% of the debt amount. You should carefully study the cases that will be covered by the policy and clarify the final cost.

Look at the same topic: Procedure for insuring collateral for a mortgage: what documents are needed?

The choice of insurer remains with the borrower; it is not prohibited to change the insurance company if the conditions of the new one are more favorable.

But it is better to choose an insurer from the list of accredited companies, or to coordinate the selected insurer with the lender in advance, otherwise the concluded contract may be rejected by the bank.

For approval, an application and documents are submitted: statements, Charter, powers of attorney, etc. The review takes up to 30 days, after which the borrower will be notified of the decision.

The full cost of an insurance policy can be checked using an online calculator. The calculation is carried out after specifying all the necessary risks.

Features of apartment insurance in Sberbank

They say that you can endlessly admire the burning flame. But if this flame destroys a home that has been lovingly created over many years, then this can cause nothing but despair.

Sberbank suggests not to think about the bad, but to take the opportunity to protect yourself and your loved ones from unforeseen situations that can:

cause damage to housing;
lead to a decrease in property.

Because the list of property included in the insured includes:

Completely all interior finishing and water supply, sewerage, heating, gas supply, ventilation and electrical systems, including:
Decoration Materials;
engineering equipment;
glazed doors and windows;
floor;
internal partitions;
electrical wires, cables, meters.

Material assets belonging to the category of movable property:

furniture, including built-in furniture;
household appliances and electronics;
items of clothing and footwear;
table and bed linen;
Sports Equipment;
interior accessories;
Kids' things.

Liability to neighbors arising on the basis of a civil offense in the event of damage:

property, for example, when a heating battery breaks;
health, for example, in the event of a domestic gas explosion.

The insurance contract may provide for a special category of property, which includes products made of precious stones and metals, and fur. As well as ancient and modern things, objects of art of significant value.

Insurance coverage covers both common and rare risks caused by an accident:

fire - uncontrolled burning;
lightning strike - a powerful electrical discharge;
explosion is a physical and chemical process that occurs with a significant release of energy and leads to shock, vibration and thermal effects on the environment;
flood - exposure to liquids and vapors resulting from an accident or the activation of fire extinguishing systems;
natural disaster - a destructive natural phenomenon of a significant nature:
earthquake, flood, hurricane, hail, high water, landslide, heavy snow and rain, tornado, typhoon;
illegal actions of third parties, such as robbery, theft, robbery, hooliganism, vandalism;
the fall of aircraft or the shock wave caused by their fall;
collision with a vehicle;
falling of large foreign objects, such as wood, stone, pole, construction equipment;
mechanical impact resulting from construction work in adjacent premises;
terrorist attack;
exposure to electric current;
causing, within the framework of civil liability, harm not only to property, but also to the life and health of unauthorized persons.

Insured events, in fact, are not events only related to:

military events;
civil unrest;
exposure to a nuclear explosion.

The cost of the insurance policy and the amount of insurance protection

At Sberbank Insurance you can issue a policy with a validity period of 12 months. The cost of the policy depends on the amount of insurance protection. That is, the greater the amount of material support the policyholder expects after the occurrence of an insured event, the greater the amount he will have to pay for the policy. If the amount of general insurance coverage is:

600 thousand rubles, then an insurance policy confirming the conclusion of an insurance contract will cost 2,250 rubles;
1,400,000 rubles, then the cost of the policy will be 4,950 rubles;
2,000,000 rubles - 6,750 rubles.

It is worth keeping in mind that the registration fee is paid in full at a time. Installment payments for the insurance premium provided for in the insurance contract are not expected.

Insurance payments

Clients are offered four payment options, where everyone can choose the optimal policy for themselves:

450,000 rubles (200 thousand for finishing rooms, 150 thousand for internal property, 100 thousand for damage to neighbors) - cost 1,750 rubles
600,000 rubles (250 thousand for finishing rooms, 200 thousand for internal property, 150 thousand for damage to neighbors) - cost 2250 rubles
1,400,000 rubles (600 thousand for finishing rooms, 400 thousand for internal property, 400 thousand for damage to neighbors) – cost 4950 rubles
2,000,000 rubles (1 million for finishing rooms, 500 thousand for internal property, 500 thousand for damage to neighbors) – cost 6,750 rubles

The first option with a minimum amount of coverage is available only when applying for a policy on the Sberbank Online website.

In the table

Option 1*	Option 2	Option 3	Option 4
Total amount of insurance protection	450 000	600 000	1 400 000	2 000 000
Interior decoration	200 000	250 000	600 000	1 000 000
Movable property	150 000	200 000	400 000	500 000
Civil responsibility	100 000	150 000	400 000	500 000
Policy cost for 1 year	1 750	2 250	4 950	6 750

*Option available only when ordering online

If you intend to receive a payment of up to 100 thousand rubles, the bank will not require certificates.

Required documents

To conclude a contract, you must fill out an application for apartment insurance, which should indicate:

passport details;
address of the place of registration;
information about the property.

You must be prepared for the fact that the insurance company has the right to request additional documents, such as:

original identification document;
certificate of ownership;
technical and cadastral passport;
BTI assessment;
assessment by an independent expert;
photographs of the apartment;
a loan agreement for property that is pledged.

After submitting the application, the insurer's representative will provide a specific list of documents required for registration.

Types of insurance at Sberbank

All real estate insurance operations can be divided into two general categories:

Compulsory insurance . According to the legislation of our country, when applying for a mortgage loan, obtaining insurance for the full cost of the purchased home is mandatory.
Voluntary insurance . Applies to all other cases of use of real estate.

The validity period of both types of policies is 1 year, and it usually begins on the 15th day after receipt of the document.

What to do if an insured event occurs?

If an insured event occurs, that is, an unpleasant event provided for by a valid insurance contract, upon the occurrence of which the insurer becomes obligated to make a payment to the policyholder, then it is necessary to act according to a clear plan:

Call the rescue service for help by dialing 112 from a phone even with a zero balance, or representatives of the maintenance and housing department.
Apply for an investigation into the incident.
Remove people and animals, as well as documents and valuable property from the premises. And also take measures to possibly reduce the damage.
Dial the contact center hotline number 88005555557 within 24 hours from the moment of the incident to:
introduce yourself and report the incident;
dictate the insurance policy number;
get advice.

Submit a written application in any convenient way no later than 5 working days from the date of the insured event. The application form can be downloaded from the official website sberbankins.ru.

Collect a complete package of documents regarding the insured event that occurred, which is specified in the Insurance Conditions. Submit it to the insurance company within 60 days from the date of the incident.

Do not change the picture of the damage unless it threatens life and health.

Try to photograph the place both at the time of the incident and after the incident, taking into account the recommendations on the need:

sufficient lighting;
setting the maximum camera expansion;
date and time settings;
assigning a name to each photo.

Meet an expert sent by an insurance company employee to:

show the extent of damage at the scene;
hand over a package of documents, including certificates and reports drawn up by emergency services.

Wait for a decision from Sberbank Insurance regarding an insured event as soon as possible.

Receive your insurance payment within 15 days from the date of submission of documents. In the event that a situation occurs that results in damage to property, it is recognized as an insured event.

The list of documents provided to the insurer regarding the event that occurred depends on the type of incident. The minimum package of documents must include:

a statement indicating the fact of the occurrence of the event;
completed pages of civil passport (copy);
a detailed list of property damaged as a result of the event;
photographs of the event and household contents at the time or as a result of the event;
acts of state and utility services.

What to do in case of an insured event

An insured event is defined as loss or damage to collateral property for the following reasons:

Fire, flooding, other natural disaster;
Actions of third parties (organizing an explosion, arson, etc.);
Collapse of a structure due to a defect of which the borrower was unaware.

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If such a situation arises, the client is obliged to notify the bank and the insurer. It is best to do this in writing - through the office, receiving a copy with a note on acceptance of the paper, or by registered mail with notification.

If the insurance company refuses to pay, you should contact the court or the creditor.

To do this, you must have documents confirming the insured event:

Medical certificates and extracts;
Death certificate;
Morgue conclusion.

It is also good to have a conclusion from an independent medical examination, which reflects the damage received and indicates the rate of disability as a percentage.

If there is damage to the collateral, you should re-read the contract - there is a detailed list of cases for which the insurer is not responsible. If the incident falls within the company’s area of responsibility, you should submit an application with attached documents.

After submitting the appropriate papers, the borrower will receive a refund, but only within the amount for which he insured his property. The money received may not be enough for restoration.

If insurance was issued for the full price of the home, then the borrower can expect to receive the difference after the insurance company pays the loan to the bank (this option applies if the collateral property is lost entirely). But the debt to the bank will be fully repaid through insurance.

Advantages and disadvantages

Apartment and house insurance in Sberbank occupies an important place among the products sold by the credit institution. Because it has objective advantages:

Allows guaranteed receipt of material compensation in a significant amount to a person whose apartment, together with the property located in it, suffered from various kinds of negative external influences.
The procedure for issuing an insurance policy can take place online both on the official website and through the Internet banking service Sberbank Online.
It is assumed that a minimum number of documents will be collected and there will be no need to inspect the property.
The client has access to up-to-date information about conditions and tariffs.
The policyholder receives qualified support upon the occurrence of an insured event.
The cost of insurance is not at the highest level compared to other insurers.

The disadvantages include:

The agreement comes into force only 15 days after conclusion. But experienced insurers advise concluding a contract in advance, before the expiration of the previous contract.
Problems arise when employees send documents provided by the client to the insurance company's head office. You should take personal control of this operation.

Conditions for real estate insurance in Sberbank

IC Sberbank LLC offers everyone who wishes to take out insurance for an apartment or private house on favorable terms:

the contract can be signed online;
insurance risks are fixed by the company, and the client chooses the amount of coverage independently;
up to 10% of the policy cost can be paid with “Thank you” bonuses;
the contract period is only 12 months;
the contract comes into force only 14 days after signing;
payments up to 100 thousand rubles can be received without collecting additional documents .

Clients can apply for a policy quickly enough by going to the company’s website. calculate the cost using an online calculator completely free of charge.