Under the insurance of individuals' property can be taken for the insurance of the property and / or personal property, including:• Residential buildings, intended for temporary or permanent residence, including interior trim and engineering equipment.
• Additional buildings and structures of economic and residential use, located on a plot of land with a residential structure - room, a garage, hozblok, greenhouse, garden, fence, etc.
• Apartments (room), their structural components, engineering equipment, interior.
• Landscape construction, small architectural forms and elements of landscape design, engineering systems of land.
• Personal property home furnishings, appliances, amenities, personal consumption, as well as valuable property.
Private property insurance does not apply to the following property:
• Any property that at the time the insurance contract is in dilapidated, unsafe, unserviceable condition, which is subject to demolition, renovation or major repair.
• expendable items (cosmetics, perfumes, sanitary products, food products, animal feed, etc. (with the exception of construction and finishing materials for construction (maintenance) building / apartment)), consumables for office equipment.
• seedlings and seeds, animals and birds, documents, drawings, securities, bank notes, precious metals nuggets, stones in the form of minerals, manuscripts and photographs of slides, photos, and videos, religious items (other than collections of icons, which can to be insured, as a valuable asset).
Under the insurance of individuals' property insurance case recognized loss (death) or damage to the insured property due to such reasons (insurance risk) as:
"Fire" - an open flame, heat, hot gases, the products of combustion (smoke, soot, etc.) due to uncontrolled combustion process in the form of an open flame or smoldering of sudden and capable of further spread by itself, as well as the measures taken for the rescue and fire fighting equipment.
"Explosion" - rapidly flowing process of physical or chemical transformation of materials, accompanied by a release of a large amount of energy in a limited volume, which resulted in the surrounding area, and formed a shock wave propagates.
"Bay" - the impact of steam and / or exposure to water and / or other fluids that came out of engineering systems (water, heating, sanitation) and / or automatic fire suppression systems, including permanently connected to the above systems apparatus and devices (valves, radiators, boilers, washing machines, dishwashers, etc.) as a result of the accident, and / or who came from the premises not owned by the Insured (Beneficiary).
"Natural disasters" - such devastating natural hazards, such as:
- Lightning;
- Tsunami
- A storm, hurricane, cyclone (typhoon), the tornado;
- An earthquake, a volcanic eruption;
- Flood, flooding;
- Hail;
- The impact of the snow load;
- Landslide, landslide, rockfall, avalanche, agriculture;
- The low temperatures, not typical for the area.
"The fall of solids" - the fall flight (space) vehicles or their fragments, cargo falling from the aircraft (space) unit and / or other solids (including falling trees, formations, lighting masts).
"Collision or arrival" - a collision or hit a horse-drawn of the insured property, road, rail, sea, inland waterway and / or air transport.
"The illegal actions of third parties" is committed by a third person action with elements of an offense or offenses such as:
- Burglary;
- Robbery;
- Robbery;
- Hooliganism;
- Vandalism;
- Deliberate destruction of or damage to property;
- The destruction of or damage to property due to negligence).
The process of property insurance
Property insurance - is an important step towards further protection in the event of unforeseen circumstances. Objects of insurance under a contract of insurance of property of a natural person may make the following: structural elements of apartments and houses, interior and exterior decoration, personal property (furniture, electronic equipment, tools, etc.), technical equipment (boilers, plumbing fixtures, etc.), fence (at country house), land (at country house), and at your request can be insured the civil liability of persons living and operating the property. You can include in a policy for the protection of property insurance which will help in the future to avoid unnecessary trouble, you favorite tea or electronic watch, of course, you must specify the approximate value of the subject, or to present a check to pay the insurer of the product. Under the policy of insurance of property can be insured and townhouses, and penthouses.
As a rule, the representative of the insurance company goes to the inspection of the property before making it to the insurance. But many insurers also offer design options for policyholders without inspection and the "extra", as they say, and documents. At the conclusion of the property insurance policy should pay attention to the terms of the contract, namely, whether the restrictions, such as the cost per square meter in the payment, you will not have to submit receipts and invoices for the insured personal property and equipment, and the estimate for repairs and other nuances. If accepted by the insurance house or apartment has a security alarm system, usually for its installation can be a very interesting offer. Behind bars on the windows, too is a bonus for insurance. Universal insurance broker can help you decide on all matters of property insurance.
