The cost of apartment insurance

Apartment insurance is a useful process, as it allows you to compensate for significant damage from any damage or to compensate for the loss of theft. Insurance will be useful in many cases.

The features and benefits of insurance are in receiving payments without additional rates (if damage is estimated at less than fifteen thousand rubles), fairly reasonable prices, an agreement for absolutely any period (from about a month to one year), the ability to purchase both a comprehensive policy and insure only certain elements (structural elements, finishes, liability to neighbors, etc.), compensation for cleaning costs in case of any vandalism or adverse actions of third parties, the possibility of concluding a contract without an inventory of property.

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How much does apartment insurance cost

In general, comprehensive apartment insurance from 1 thousand rubles. It is impossible to say the exact figure, since a lot of parameters affect the cost.

Usually the owner of the apartment arbitrarily determines all the conditions and nuances of the insurance contract. As an option, he can include various risks in the contract: for example, glass and mirror breakage, damage to the land plot or network fluctuations. He can also provide reimbursement for additional expenses: for a quick return home from another country, search for lost or stolen luxury goods, cleaning the house, restoring documents, keys and locks.

In general, the cost of decoration and property insurance is 0.4%–0.8% of the sum insured. As for home insurance, from 0.3% to 0.9%.

The following parameters affect the cost

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? The fact that the risk of damage to a wooden structure is much higher. As a result, the payment for it will be much more.

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 kinds of alarms, iron entrance doors, the presence of 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.
• Penetration with theft and damage to property.
• Flooding.

Insurance, which includes all these parameters, is called complex. 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 premises (repair, floor, wall decoration, interior, etc.).
• Furniture and appliances.
• Duration of insurance.

The price of a civil liability insurance policy

The cost of insurance of this kind depends on the activities of the person who should be insured, the amount, the availability of security, the level of security, and other criteria on which the risk depends. This option takes into account the individualization and features of the use of the apartment.

You can insure the following cases:

• Causing harm to health.
• Property damage.
• An attempt on life.

Insurance covers:

• It satisfies claims for compensation for harm caused to something.
• Recovers costs in litigation.
• Pays for health regeneration.
• Pays for the restoration of damaged property.

What is "box" insurance

Such insurance is called "boxed" subject to 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 buy each insurance policy separately.

This kind of insurance is one of the most affordable and makes it possible for a small price to insure your apartment and the property that is located in it. This is a rather convenient feature, allowing the client to maintain profitability and not hit the finances.

Typically, companies offer their customers insurance against more significant risks, such as fire, burglary and damage, natural disasters, illegal actions of third parties, physical harm to health, and so on.

In addition, this insurance has many advantages:

• Setting it up is pretty easy and fast. Typically, this process takes only 15 minutes and has very few documents, which ensures convenience and understandable content.
• The representative of the company may not travel 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 in it and they have a fairly large price limit for which insurance can be made. In addition, it includes civil liability insurance when living in an apartment.

If the apartment has luxury items, is a special contract needed?

All valuable items that are 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 jewelry that is in the apartment or an antique set in the living room.

Are there any discounts

Discounts are made depending on the insurance company itself and their features. This or that company can provide discounts to regular customers. And some can build cooperation without discounts at all.

Basically, discounts are provided if the insured has special policies. These policies are called OSAGO or CASCO from Ingosstrakh.

An 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.

Suppose you have purchased a fixed package of insurance with certain risks (theft with damage, fire, gas explosion, flooding, terrorism, glass damage, damage to electrical equipment, natural disasters, intruders), and this package already has a certain tariff. In general, the tariff depends on the number of risks and the insurance company itself, and is shown as a percentage.

• The price of apartment insurance (structural elements) at the rate of 0.11% per year of its value. That is, if the price of an apartment is 2 million, then the insurance for it will cost 2200 per year (0.11% of these 2 million).
• The price of interior decoration insurance is 0.4% per year of its value, revealed during the inspection. Let's say its cost is 600 thousand rubles. Therefore, the price of insurance will be 2400 rubles.
• The price of insurance for equipment, furniture - from 0.5% per year of their value, revealed during the inspection. Suppose 250 thousand rubles. The resulting price of insurance is 1250 rubles.
• The price of civil liability insurance is 0.5% per year of the desired insurance amount. Let's say 200 thousand rubles. Therefore 1000 r.

The result is 6850 rubles per year (2200 + 2400 + 1250 + 1000).

Outcome