Rating of the best insurance companies for apartment insurance

Before carrying out the procedure for real estate insurance, you should determine what exactly you need to insure the apartment against. There can be a large number of reasons for insurance, including protection against damage to property, the actions of third parties, etc. Which type of insurance is suitable, you choose specifically, based on your preferences.

An equally important issue is the choice of an insurance company that can be entrusted with this extremely responsible business. It is necessary to take into account the reputation of the insurer, reviews about the company, the cost of services and many other criteria, which we will talk about in today's article.

What to look for when choosing an insurance company?

It is important to understand that the purpose of any insurance organization is to make a profit, otherwise there would be no point in their existence. Any client applying to such an organization pays a certain amount, which allows him to feel confident in the event that an insured event occurs.

A person acquires a policy on the basis of which he can receive monetary compensation if an insured event occurs.

It is also worth noting that the total number of insurance premiums significantly exceeds the number of insurance situations, so the amount of payments is greater than the cost of the policy itself.

It turns out that clients who have not had any negative events pay compensation to those persons who have an insured event. Naturally, this does not happen directly, but through the insurance company, on the basis of current legislation.

On the video - What you need to know when insuring an apartment:

Thus, the main functions of insurance companies include:

• Formation of capital from which payments will be made to insured clients of the organization.
• Payment of monetary compensation in the event of an insured event.
• Prevention of such cases, as well as reduction of possible losses.
• Protecting the interests of your clientele.
• Investing funds taken from customer deposits in order to receive dividends.
• Various business activities.
• Increasing own clientele through various advertising organizations and other marketing means.

Now there are many organizations engaged in similar activities. Some of them are engaged in a wide range of services, while others focus on some narrow specialization - health insurance, car insurance, etc.

License check

If the organization does not have a well-known name, then the first step is to find out if the firm has a license allowing it to engage in such activities.

The register of insurance companies is located on the website of the Service of the Bank of the Russian Federation. Particular attention should be paid not only to the availability of a license, but also to the place of registration. If the company is registered abroad, then it is better not to trust such a company.

Financial stability assessment

In the public domain, you can find information regarding the authorized capital of the organization. Trust is caused by those companies if this figure exceeds 120 million rubles. If the company is engaged in life insurance, then its minimum authorized capital must be at least 240 million rubles.

You can also find information regarding the amounts of cash payments to customers, the organization's profit for the billing period, etc.

Reviews

On the Internet, you can find customer reviews of various companies that are posted on specialized forums. A large number of negative reviews should be cause for concern, but be aware that there may be paid reviews from competitors online. In addition, people tend to write negative reviews more often than positive reviews.

Analysis of company services

Examine information relating to the activities of the company, i.e. the services it offers to its clients. The presence of various insurance products and cooperation options will indicate the appropriate level of organization.

Foundation date

With this point, everything is extremely simple - the longer the organization operates, the more it inspires confidence. Give preference to those organizations that have been on the market for more than ten years.

Company rating

You can find various ratings of companies compiled by competent rating agencies, or by ordinary people. You can analyze the ratings for several years, evaluating the positions of companies in the TOP. The more often it is in the top positions of the rating, the more reliable it is.

You can also consult with your acquaintances and friends who have already used the services of a particular insurance organization. First-hand information is always very trustworthy, especially if your friends have already received insurance claims.

Rating of the best insurance companies for apartment insurance

Let's consider the list of the most popular and reliable insurance companies, which are on the first lines of the rating from year to year.

Alpha Insurance

The Alpha company is very popular among customers, because it operates at the highest level. It offers many different options for cooperation, including health insurance, auto insurance and home insurance for citizens.

Provides the ability to issue insurance remotely, as well as a convenient mobile application. There are accumulative insurance systems that allow you to pay not only for insured events, but also to accumulate money until the child comes of age and in other cases.

Rosgosstrakh

This company is one of the oldest organizations working in this field. If we consider from the moment of foundation, then this period is 90 years. The company is engaged in insurance against various cases, including accidents, illnesses, apartment insurance, car insurance, etc.

VTB Insurance

The authorized capital of the company is more than 5 billion rubles. Here you can also take out accident insurance, insure your real estate, car, etc. The organization is a division of VTB Bank, which is one of the leaders in banking services in Russia.

Ingosstrakh

The company was founded in 1947, with many branches in different regions of the country. The firm has been rated A++, i.е. it is one of the leaders in this market segment.

The company provides several possible schemes of cooperation with clients who wish to insure their apartment:

• Platinum- the program involves the departure of an employee of the company. On average, registration takes from three to twelve months.
• Express- This is the most affordable option in financial terms.
• Vacation- the policy is issued for a short period from a week to two months.
• Freedom- the policy is issued if the apartment is inexpensive.

The size of the minimum insurance payments may differ, depending on the region of residence of the client. If for Moscow the minimum figure is 100 thousand rubles, then for other cities it is half as much - 50 thousand rubles.

Sogaz

The company has the highest degree of quality - it has been awarded an A ++ rating. The organization offers an apartment insurance policy, including the cost of the property itself, as well as civil liability.

Thus, the amount of home property insurance can range from two hundred thousand to five million rubles. As for civil liability, the amount is from one hundred to two million rubles. The company implements the possibility of issuing a policy in the office, as well as through an online application.

Gazprombank

This company provides its customers with the opportunity to issue an insurance policy without visiting the company's employees of the apartment itself. The policy includes household property, civil liability, and engineering equipment.

It is noteworthy that the insured himself chooses the amount for which he wants to insure his property. The minimum amount of insurance is 230 thousand rubles.

If we consider these companies in terms of the optimal cost of the services provided, then the most affordable policies are sold in Sogaz and Alfa Insurance - about 1000 rubles each. This amount will need to be paid every year.