Features country insurance

Zoe Dydynskaya interest of homeowners' insurance significantly increased. Especially with the advent of autumn, when many long leave their summer residences. Hence, it is time to understand the intricacies of insurance suburban homes. Risks against which insure a country house and city apartment are almost identical. Nevertheless, these two types of insurance differ in several ways. Firstly, the house, as opposed to apartments, is a separate structure, which include all elements of physical infrastructure, which are also insured under the contract. In the case of an apartment shared infrastructure at home is not insured. Secondly, the danger for a country house are more ambitious, and in some cases, catastrophic in nature. Thirdly, unlike the insurance of apartments, which are fairly easy to estimate, the estimate of country real estate - it's cumbersome procedures associated with the collection of a large number of documents and requires coping with the legislation. For example, by law, the land and buildings on it - these are different objects, so must insure each separately. Types of Insurance The most popular types of insurance suburban buildings are classic and title. The classic insurance - insurance of houses and buildings from fire, water damage from heating, plumbing, sewage systems, natural disaster and the explosion (including domestic gas). This also includes insurance against theft, robbery, hooliganism. Experts say that for suburban buildings the most dangerous illegal actions of third parties, and fires. This - the classic risks, "core" coverage. Title insurance (property rights) protects the homeowner from potential claims of former owners whose rights may be violated in transactions with the object in the past. If you decide to purchase a cottage, taking a mortgage, title insurance will have a mandatory basis. However, even if you do not use credit products, and pay for property immediately and completely, it makes sense to insure the risk of loss of property rights.