Friday, September 23, 2011

How to insure the cottage?

Anna Bondarenko Today, insurance policies have no more than a quarter of all owners of suburban property. Others do not want to once again spend money or live on a "not until the thunder clap." And few of these people think that saving a few thousand rubles to the policy under fire (robbery, Bay, robbery), they will have to lay out tens of thousands to compensate for material losses. Insurance included insurance policy includes a standard package of risks: the case of natural disaster, fire (for whatever reason), water damage, hitting the vehicle, falling trees or aircraft, as well as the illegal actions of third parties, or, in other words, theft, robbery, and robbery . The most common insurance claims - wrongful acts of third parties and natural disasters. But the fire, which insurers usually fear most, play only a third place. In addition to the house, the objects of insurance can be a bath, garage, outbuildings at the site, fencing, and also the land and construction in progress (with walls, roof, closed windows and doors). Insurance coverage extends to design elements, finishes and equipment. Many companies allow you to insure household goods, tools, technical equipment and landscape construction: fountains, architectural elements, sculptures, pools, benches, arbors, water parks, aquariums, winter gardens. Must be borne in mind that all of the objects of insurance belong to different categories, so are insured separately. In other words, if the insured only giving each of the proposed types of risk, and during the robbery of the building itself was not damaged, the money from the insurance companies do not wait. It is always necessary to specify what is included in an insurance policy. In recent years, increasingly popular package insurance, aimed at providing the widest range of services to clients. For example, an insurance product may include not only structural elements of insurance, utilities and housing decoration, but also personal property insurance, general liability for damage to life, health or property of third parties. Insurance mechanism is simple enough. The owner refers to the insurance company and get advice. If it is satisfied with conditions in place and leaves the agent inspects the object, and then issued a policy. The terms value of the policy Classics insurance option - with a tour - more cost and time-consuming. However, it is worth it, because the defense will be the fullest. The range of rates for insurance suburban real estate ranges from 0,35% to 1,1% of the value of the insured object. But how is real estate appraisal? When the contract is important to correctly determine the market value of housing. The client, based on a sales contract, design estimates or invoices for building materials, can be self-declare the value of the property. The insurer, of course, take this information into account, but, nevertheless, double-check the value of the object in its internal regulations and procedures. If the owner can not assess the value of the property, the insurance company will offer him to perform an examination. She can spend the experts of the company (usually free), or independent licensed appraisers (surcharge). A finite amount of the insurance policy is influenced by many factors. First of all, analyze the material at home. For example, wooden buildings are at a higher rate than brick buildings because the former are much more likely to suffer from fires. Insurers are very carefully assess the state of wooden buildings. This home has to comply with fire safety: the wiring should be double insulated, is not allowed the connection of aluminum and copper wires, prohibits the use of fireplaces or stoves that are cracked or broken doors, presence of insulation required to protect against fire, floor, walls and partitions. By the way, no matter what material to make the house, if you have it open flame (stove, fireplace), the base rate will be increased. At survey also explores the age of the house: if an object is 25 years or more, the tariff rate will rise by 0,1-0,2%. Generally, older homes, as well as new buildings - not the most loved objects insurers. New house poorly understood in operation, and no one knows that it can happen. However, the old house, too, is fraught with many possible problems: outdated wiring, roof collapse, subsidence of the basement and so on, so the insurance of such facilities would cost the client an insurance company is more expensive. And sometimes dilapidated buildings and do not accept insurance. The insurer also take an interest regime stay in the house. If the owner is in it from time to time, the price of the policy will be higher if the house is used year-round - the insurance is cheaper. If a country house not live, or housing leased by third parties, such circumstances shall be determined by the insurer as the factors that increase risk. In such cases, a higher rate, because in the absence of the owners of one not carefully monitoring the safety of property, the state of design and engineering systems, not implementing the current (and hence capital) repair. Also analyzed the location of the house: flood zone, distance from fire department increases the bet. Remote holiday village is actually open to rampant crime, and in case of fire is likely the total destruction of buildings. Unfortunate location (in the flood zone, on the slopes of ravines, close to the pits) increases the cost of insurance. Moreover, some insurers do not take under the protection of objects located in the zone of possible disasters. The discount can expect a client that owns the object value of more than $ 100-150 thousand. For these policyholders price policy can be reduced by 10-20%. However, the low cost of the insured object can also bring their bonuses. Policy cost can be reduced for regular customers and those who did not apply for an insurance payment in the previous year. Discounts are also provided on the basis of agreements with other insurance companies. In addition, it is necessary to bear in mind that a comprehensive insurance for a property costing about 20% cheaper than the insurance of all risks separately. Some insurance companies offer discounts to pensioners, the blockade, the disabled, war veterans, etc. In recent years, increasingly popular package insurance, aimed at providing the widest range of services to clients. Many insurance companies offer a range of special discounts for the strict observance of fire safety rules, the presence of alarms, metal doors, bars on the windows or other additional security measures. In principle, the purchase of an insurance policy does not preclude the need to purchase the alarm. Both systems complement each other. After all, if a home penetrate a robber or a fire starts, triggered burglar alarms. Siren will scare away the thief, and in case of fire - wake the neighbors living next door. Nevertheless, the service response time needed to come to the place - at least, it's 20 minutes. During this time, the property may be caused by damage. Means to compensate for economic damage as a once and will be pre-purchased insurance. The more so because, as we have already noted, if the security system insurance rate decreases. Another of the reduction factors - the presence of the franchise, which may reduce the policy cost by 5-10%. Deductible - under the terms of the contract of insurance the insurer exemption from the obligation to pay damages, not exceeding a certain value. Deductible is determined individually, but it rarely exceeds 1.5% of the sum insured selected. If the insured event loss will be negligible, within the franchise, the owner will have to pay for it out of pocket. However, if losses exceed the deductible, the insurance company is obliged to pay them. Franchise can be unconditional and conditional. The first involves a mandatory reduction in payments under the insurance contract by an amount deductible (regardless of the size of damage). The second provides for damages only if the value of damages claimed more franchises. Since the franchise owner is much closer would apply to his property, the insurer is confident that it will not divert to compensation "penny" of damages. Most often, insurance real estate is for one year. Sometimes there is a need for an agreement with the insurer about purchasing the policy for half a year or only at holiday season. Insurance companies also advance warning: in the period of the contract must be in writing, inform the insurer about the changes, which carries the insured and which could significantly affect the increase in the degree of insurance risk - in particular, the gasification of the house, to build a fireplace, etc. As insure quick to invite a specialist to inspect the house is not always necessary. For the impatient, and too busy insurers came up with the express policies. The name speaks for itself: such a policy can be issued quickly and in any place. In such a product is usually already specified amount of insurance coverage (the list of risks and exceptions), the payment of insurance compensation, etc. Insured choose only interested insured amount and premium payments. Conclusion of a contract can take place not only without examining the object, but often without visiting the office. Indeed, insurers often rely on dissemination of model policies to their "service agent", whose functions can run banks or community gardeners. Without examining the structure can be insured and the classic policy (in a specified amount). Of course, this kind of insurance significantly saves time customer. At the same time, "boxed" product (another name for the express policies) has its drawbacks. Because we have to choose from several fixed options, insurance coverage may be underestimated. Thus, when the insured event to the owner may not be enough money received from the insurer to restore the affected facility. Can occur and so that the consumer, relying on adequate compensation insurance policy will buy more expensive, but when the insured event company is unlikely to pay the amount that is greater than the real value of the object. Experts advise to buy the express policies for affordable suburban housing (costing up to $ 30 thousand), real estate, which is more expensive, it is better to insure with a tour of the property - then be taken into account all the features of an object. If the thunder struck when the insured event must immediately contact the insurance company - for 24 hours from the time it became aware of the incident. Notify the insurer can use the phone manager, or fax. At the same time need to contact the competent authorities (police, emergency or fire department). To prove the insured will need to collect the relevant documents. Thus, when a fire will need a certificate from a legally (in the act must be the reason for the fire), and damage from natural disasters - from the meteorologist. If the house has been robbed - get help from the police. In addition, you need a document confirming the amount of damage or reconstruction estimates. You will also need a document certifying the property interest (a contract of sale, the book gardener, the right to lease or ownership). It is important to the arrival of the insured to keep the object in the form in which it was after the insured event, otherwise payment may be denied. Of course, to try to preserve the affected property is necessary in the event that this is contrary to safety rules. Insurance experts who had arrived the owner of the affected property must allow unhindered inspection and examination of the damaged property and determine the causes, determine the amount of loss, etc. It is possible that the owner of a country estate learn about trouble a few months later. For example, having arrived in the spring, the owner will see thieved house with a battered glasses or, even worse, burned down homes. Nevertheless, regardless of when people learned about the trouble, the scheme of action is similar to the above: at once notify the insurance company and collect the relevant documents. As the insurer determines the size of the damage and amount of insurance compensation? At a total loss of the structure size of the damage is assessed based on the price of the object. In this case, the loss (death) of real estate is his status, when the costs of recovery exceed the cost structure specified in the contract of insurance (insurance value). If the object is damaged, compensation will be paid in the amount of actual costs for its recovery within the sum insured. Expenditure on improving the structure on the state in which it was before the insured event, shall not be compensated. And in the first and second cases the compensation may not exceed the established contractual sum insured. Simply put, no matter how disastrous was no damage to the home owner from the insurance company will not receive monetary compensation is greater than specified in the contract. At the hearing in an insurance company takes up to two weeks. If the result is positive, then the insured are invited within 10 days to obtain insurance payments. Payment of insurance money made through the cashier of the insurer, or the money is transferred to the bank account of the beneficiary.

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