Insurance of an apartment or house in Sberbank

Is it possible to do this?

The first question that pops up in the thoughts of homeowners is: is it possible to carry out this procedure? The answer is unequivocal - yes. Moreover, this is not just a whim, but an urgent need.

But there are several nuances that insurers will definitely require from you :

1. A house must have a foundation, walls, and a roof. Window and door openings should at least be boarded up or blocked. (In isolated cases, insurance companies only require the presence of erected walls and a roof).
2. A house should be built only on a plot of land for which ownership or other documents confirming the legality of use of the land have been registered.
3. The house cannot be in a dilapidated condition.

At the same time, homeowners can insure not only the house under construction, but also all adjacent outbuildings up to the fence. You also have the opportunity to choose: insure everything together or separately.

Apartment insurance at Rosgosstrakh - reviews

Many people who have secured their home insure it with Rosgosstrakh, leaving reviews that correspond to the quality of the service provided.

Article on the topic: “Alpha Insurance” payments under compulsory motor liability insurance

Victor, 29 years old, Surgut

The year before last I bought a secondary home in a rather old apartment building with worn-out communications. Since they could burst at any moment, I decided to buy a property insurance policy. I read reviews about apartment insurance from IC Rosgosstrakh and decided to contact them. Just a year later, the heating system of the neighbor above broke and flooded the entire apartment. True, at that time I was not there, I was on a business trip. Upon arrival, I called the building manager, drew up a report, took a photo, and invited an expert. In the end, they refused me, saying that I applied too late, 5 days were allotted for this. This is how you contact the guarantor...

Maria, 34 years old, Samara

I took out a mortgage on the apartment and, since it was controversial, immediately insured the title with Rosgosstrakh Insurance Company. A year later, a claimant for housing appeared and sued me. At the same time, the representatives present at the meetings claimed that if anything happens, they will compensate me for everything. As a result, it turned out that the apartment was sued and the insurance company refused to pay. Apparently I'm an unscrupulous buyer. And so it turned out that, having trusted a reputable company, she was left without housing and money.

Ilya, 57 years old, Barnaul

For 12 years I bought a real estate policy from Rosgosstrakh. Last July there was a fire, the wooden house and everything in it burned completely. Agents came twice, most recently in September, but the matter made no progress. They keep demanding new papers, saying that everything is in the process of being resolved, be patient, and all that. As a result, they counted 1.2 million, with even the most modest amount of damage being 4 million. This is how they fool our brother.

Companies performing the procedure

Here we will list only some insurance companies, since it is impossible to name all the companies existing in the Russian Federation.

• Rossgostrakh is the most active company in the market of suburban buildings. The main condition is the presence of permanent window and door openings. This option is not suitable for newly built houses made of timber, since this material needs time to ventilate.
• "Renaissance" . Here only the second floor windows are allowed to be boarded up, but subject to the construction of a high fence.
• "Oranta". The policy is issued as a certificate of insurance. To receive it, you must provide the owner’s passport and exact address details of the insured residential property.
• "Ingosstrakh" To sign the contract, they are required to provide a document confirming the legality of exploitation of the land plot and a certificate from the chairman of the farm, if available. At the moment, this company offers the most reasonable percentage.

IMPORTANT! When choosing an insurance company, I focus on proven companies or those that have existed for a long time, because Even being on the list of the Union of Insurance Companies does not guarantee that in a year this “office” will not cease to exist.

What risks can be covered?

A country house, including an unfinished one, can be insured against the following risks:

1. The occurrence of a fire (and the cause of the fire can be any).
2. Domestic gas explosion.
3. Illegal actions of third parties (most often this is robbery).
4. Fall of any foreign objects (this includes trees and all kinds of aircraft).
5. Natural disasters.
6. Committing a terrorist act.
7. Flooding.
8. Even a soil failure.
9. Animal attacks.

Insurance agents provide the homeowner with the opportunity to choose the combination of insurance: select several items, all, or one that is most probable in the opinion of the homeowner.

Reference. After completion of construction, it would be appropriate to add clauses to the contract providing for insurance of the finishing of the house (both internal and external), furniture and household appliances.

Almost no company will undertake to insure:

• abandoned buildings;
• houses with a high rate of wear and tear;
• buildings that are located in an area of ​​constant natural disasters.

What documents should be prepared in advance?

Home insurance takes into account many factors and characteristics of the property itself, so it is necessary to provide information about the property and other assets. The full amount of information is contained in the documents establishing ownership and describing the object. They will need to be presented to insure against any risks of the country house.

What documents need to be prepared to insure a house, bathhouse, garage, other buildings or other property, including movable property:

• title (or title-affirming) documents - a contract of sale, inheritance or gift, as well as an extract from the Unified State Register, which since July 15, 2020 is a full replacement for the usual certificate of ownership;
• papers characterizing the condition and parameters of the object - photographs, technical certificates for buildings and cadastral passports, design documentation;
• information about the cost of the subject of insurance - an assessment report, checks and receipts with amounts, invoices and other financial documents.

All papers must be drawn up in Russian, but their translation, certified in accordance with the legislation of the Russian Federation, is allowed.

How much does it cost to insure an individual residential property under construction?

It all depends on the clauses included in the insurance contract. The more points, the higher the cost of insurance.

Factors influencing the price of the issue:

1. The price of the house at the time of signing the contract.
2. Construction Materials.
3. Presence of possible sources of fire.
4. Presence of protective measures (alarm or security).
5. Geographical location of the building.
6. Filling of the house with any objects.
7. Buildings adjacent to the house.

Typically, insurers offer to insure a home at 0.2 or 0.3 percent of the home's value. The amount will increase if the house is built from timber rather than brick or stone; if there is already a stove or fireplace inside; if the owners leave the property unattended for a long time; depending on the region in which the house is located.

Attention! An insurance calculator is available on the website of one of the insurance companies. The calculation begins with indicating the material of the walls, the area of ​​the entire house, the amount of insurance desired, the year of construction, and the necessary insurance items.

For example, if you have a home with an area of ​​100 square meters, built of stone (brick) in the Moscow region in 2020, and you want to insure it for 1,000,000 rubles for one year against fire, flood, short circuit and leakage, then you will need to pay 5,520 rubles

We wrote about how much home insurance costs and what affects the price of the policy here.

What do popular companies offer?

We wrote about the offers of various companies for private home insurance in this article.

Country property insurance programs

To insure a home or cottage, IC Rosgosstrakh offers its clients two programs.

"Rosgosstrakh-dom "Active"

The program is designed to insure standard private houses located in villages, villages, gardening associations and cottage communities. The program includes compensation for losses incurred as a result of the following insured events:

• bay;
• fire;
• accident;
• explosion;
• lightning strike;
• collision of a vehicle with an insurance object;
• falling foreign objects;
• natural disaster (tornado, hurricane, typhoon, heavy snow, hail, flood, earthquake, landslide, flood, tsunami, avalanche);
• damage to the insured object resulting from illegal actions of third parties (theft, robbery, robbery).

The validity period of the insurance contract under this program is 1 year.

"Rosgosstrakh-dom "Prestige"

The program is designed to insure private houses with individual design and architectural solutions, and guarantees coverage of insurance risks provided for by the previous program. The contract for this insurance product can be concluded for either 1 year or a short-term period.

Step-by-step instruction

So, you decided not to shake with fear after the next departure from the house under construction and still insure it. What do you need to do for this?

1. Collect a package of necessary documents. It must contain:
   Documents confirming ownership of the land plot and the house itself.
2. Construction plan, technical passport.
3. Photos (if insurance occurs remotely).
4. The agents will provide you with a sample application. They may vary from company to company, but only slightly.
5. When signing an insurance policy, carefully study its contents. The main thing that you should understand from everything written is how the process of obtaining insurance goes, and in what situations you should not count on payment. If you yourself cannot fully understand all the intricacies of what is presented, contact outside specialists.

Very often, in order to insure property, you don’t even have to leave your home - agents themselves go to summer cottages with an offer of insurance (how to insure a country house?). But don’t rush to agree - compare the price offers of all companies.

Our specialists have also prepared information for you on how to apply for home insurance online, how to insure a wooden house, and also told you about programs from Rosgostrakh and the “Home Protection” offer from Sberbank.

Termination of agreements

The laws of the Russian Federation clearly state that an insurance contract can be terminated at the initiative of the policyholder, and this can happen at any time. The amount that corresponds to the remaining insurance period is returned. Expenses associated with the fulfillment of insurance obligations may be deducted from this amount. That is, if the company has already paid you any compensation for property damage.

We recommend that all home owners do not delay the procedure for home insurance. As we can see from the examples given above, the amount of this transaction is quite feasible for the majority of our citizens. In addition, by giving this money and concluding an insurance contract, you will finally be able to sleep peacefully and be confident that the safety of your country house is now not only your concern.

We wish you that none of the insured events ever occur.

What can the owner insure on the territory of a residential building being completed?

Domestic insurers offer several options for registration and purchase of a pole for optimal protection:

1. Completely all housing that needs to be completed.
2. External or internal decoration of premises.
3. All available extensions. Their list includes bathhouses, guest houses, garden and country houses, and garages.
4. Movable and immovable property located inside long-term construction: household and office equipment, furniture and other utensils.
5. Communication systems that ensure comfortable living: water, gas and electricity supply, ventilation, video surveillance, etc.

A separate group is “Title” insurance. Its main feature is that the insurance policy is for a dacha or apartment on the territory of which third parties live.

Important to remember! A timely and correctly executed insurance contract helps protect private property from illegal attacks and illegal transactions.

TO ORDER A POLICY YOU WILL NEED:

restaurant menu Civil passport
document Purchase and sale agreement

bill Transfer and Acceptance Certificate

zip 55 Document confirming ownership