We wish the dacha ... good luck

Insurance of country houses and cottages: risk classification, insurance premium size. Tips for those who have already insured their home or cottage.

Happy few, who own spacious country houses. Attack, the countless owners of cozy cottages. How to extend the pleasure, do not give the elements or an evil person to destroy the years created? The answer is obvious: insure your favorite, but such a vulnerable house.

Just a few years ago, few people were morally and financially ready to pay for their peace of mind and the safety of property. But gradually people are convinced of the need for property insurance. The welfare of the citizens of our country is growing (although not as fast as I would like), a civilized approach to life conquers all new supporters. If the insurance of apartments is still not too developed, then the insurance of country houses and cottages with each year becomes more and more popular. We must pay tribute to insurance companies, which, "going to meet the wishes of workers", are inventing increasingly convenient, profitable and affordable real estate insurance programs.

Our magazine has already appealed to the topic of insurance. The first article "away, anxiety!" It was essentially introductory: it contains the interpretation of major terms relating to property insurance, to get acquainted with his azami. The second material "The most responsible tenants" was devoted to insurance of civil liability during operation and repair of apartments. After that, in the article "My favorite apartment," we talked about the features of the insurance of apartments - their design elements, finishes and equipment, as well as domestic property. The object of our attention was the mortgage insurance (the article "Insouction ... Mortgage").

I don't want to repeat, so we will not put the task of embraceing the immense and duplicate everything that said recently. We will focus only on the new thing that appeared in the insurance market recently, and more will be illuminated by the moments for which there was no sufficient place in previous publications.

What are insured?

Rosno objects of insurance can be cottages, houses, cottages and buildings located on one land plot: garages, baths, sheds, other economic and decorative buildings, including arbor, pergolas, and in some cases landscape design elements. If several buildings are insured at once and (or) the property inside, be sure to compile an inventory that will be an integral part of the insurance contract. In addition to the cost of real estate, there are the right to life two opposite in their essence approach to insurance.

For cottage cost up to $ 10,000, and sometimes up to $ 15000 most

The Russian Insurance Company is convenient than the so-called "boxes", or express policies that are sold not only in the offices of insurance companies, but also in banks, large shopping centers or online stores and are inexpensive. The purchase of such insurance takes only a few minutes, and you can choose from two or three fixed insurance amounts and the corresponding insurance premiums (contributions). Insurance in these cases is carried out without inspection of property and its assessment, a set of insurance risks is minimal. These are largely similar to among themselves the programs (or as professionals, products) of various companies: "Rosgosstrakh House" Economy "(" Rosgosstrakh ")," Teremok "(" Nasta ")," Dachnik "(" Russian Insurance Company ") etc.

"Consent" for modern expensive cottages whose hosts are accustomed to respect and attention from suppliers of various services, more acceptable individual approaches to the classical insurance for which it has to pay quite expensive. In place, the representative of the insurance company carefully examines the real estate, after which it or an independent appraiser appreciates it. The customer insurer has the opportunity to choose a risk package from which he intends to insure his property. Classical insurance programs for country houses and cottages offer almost all major, medium and minor companies. Here are some examples: "Alpha Country" ("AlfaStrakhovanie"), "Citadel" ("Rosno"), "Rosgosstrakh House" Prestige "(" Rosgosstrakh ")," Country House "(" Reso-Warranty "), as well as programs who do not have beautiful names, but because not changing their essence, from the companies Ingosstrakh, "Consent" and a number of others. Many insurers offer intermediate options that combine relative simplicity of design (say, without inspection at home, but with the presentation of its photos) and the acceptable size of the insurance premium.

What are the risks?

The policy of insurance of movable and immovable property can be purchased not only in the office of the insurance company, but also, for example, in the online stores of insurance of inexpensive homes, cottages, houses and other buildings, a risk set is limited. This is usually a fire, an explosion (including gas), a lightning strike, unlawful actions of third parties, natural disasters and mechanical damage. The probability of the onset of these events is quite small, so it's small and the price of the policy. If we are talking about expensive cottages and country houses, the policyholder has the opportunity to choose the most important risks for him or insure his property at a complete risk package. Then the bay (liquid), the fall in aircraft, the driving supply of vehicles, falling trees, and (in some companies), can be added to the already listed dangers, the fall of window glass, mirrors and showcases, hill employment costs for the time of repair of the insured premises ( damaged as a result of the offensive of the insurance event), violation of the technological process of construction work, terrorism and a number of other "exotic" risks.

Insurance companies classly classly classify risks: one every minute danger is considered to be a separate risk, others group them several pieces. In principle, this is not so important. It is important to carefully study the insurance contract (policy) and annex to it before signing documents and pay money.

Fire - causing material damage to the direct effect of fire, including as a result of arson, the effects of high temperature, smoke, combustion products, regardless of where the fire occurred, inside the insured structure or outside it, as well as the damage caused to the insured property in carrying out activities to extinguish Fire.

Lightning strike - causing material damage to the immediate impact of lightning to the insured property, regardless of whether the fire occurred or not. Damage to the zipper of electronic and electrical devices without the occurrence of fire is not insured.

Explosion Gaza - causing material damage to the immediate effect of explosion and air shock wave products, as well as the effects of fire in the event of a fire caused by a gas explosion used for domestic purposes (these definitions are contained in the materials provided by Rosno).

Illegal actions of third parties - It is theft, robbery, robbery, hooliganism, intentional destruction or damage to the insured property. Such an interpretation is given in the rules for the insurance of the property of citizens of the Russian Insurance Company.

Here it is appropriate to put an excerpt from this document: "under Theft It is understood as the secret embezzlement of the insured property, as well as the possession of property associated with the penetration of the insurance site by violating the integrity of castles, doors, windows, walls, overlaps. Under Robbery It is understood as the open embezzlement of the insured property committed with illegal penetration into the place of insurance, with violence, not dangerous to life and health, or with the threat of such violence. Under Warm It is understood as an attack for the embezzlement of the insured property committed with the use of violence life-threatening and health, or with the threat of such violence associated with penetration into the insurance site. Under hooliganism It is understood as a gross violation of public order, accompanied by destroying or damage to the insured property and associated with penetration into the place of insurance by violating the integrity of locks, doors, windows, walls, overlaps. Under intentional destruction or damage to property It is understood as intentional destruction or damage to the insured property committed by arson or explosion. "

CISC "natural disasters" Usually include flooding, whirlwind, hurricane, tornado, the pressure of snow, hail, earthquake of more than four points on the Richter scale, ruge, avalanche, landslide, stonepad, volcanic eruption. (Under the "snow pressure" means the loss of a significant amount of solid precipitation (snow, storm snow) in an amount that is unusual for this locality, but not less than 20mm for a period of no more than 12h, the consequence of the destruction of the structural elements of the roof and subsequent damage to the property in Building.) In some companies (for example, "consent") risks associated with natural disasters belong to the category of mechanical impacts, along with the fall of trees and aircraft, driving a vehicle.

Bay As a rule, call the causation of material damage as a result of the impact of moisture (water or its vapor) due to the accident of the water supply, sewer, heating or fire network, as well as the penetration of water from neighboring rooms. Some companies include in this group of risks flooding, the yield of subsoil water, as well as damage to property as a result of fire extinguishing.

For each house or giving are relevant both shared and their own, specific risks. Let's say the buildings that are close to water, it is appropriate to insure natural disasters, including floods, a house in the forest - from falling trees. But it is not known whether it makes sense to spend extra money and choose the risk of "unlawful actions of third parties", if the house is in the protected village with video surveillance. Avota is unguarded in the garden partnership, which you visit only in the summer, and even then not every weekend, insure from theft and hooliganism it is probably necessary.

This insured event occurred in the suburbs, in a small village. The site on which the house stands is on the banks of the river. Primeons of the spring flood in April 2005 Here was recorded the rise of water in the river to the level of 1.8m from the ordinar, as a result, several sections were flooded with all the buildings. The house shown in the illustration was insured at the Company "Consent".

The amount of insurance compensation for this insurance case exceeded 600 thousand rubles. At the cost of the insurance policy of $ 690 (about 19.5 thousand rubles).

How much is?

The size of the insurance premium (contribution) under the insurance contract is determined quite difficult. Own insurance company uses their calculation techniques. But the most important thing is that determines the cost of insurance - this is a tariff (multiplying this value for the cost of insured property, we get the amount of the insurance premium for one year). "Depending on the risk set, the basic fare for building insurance may be 0.22-0.7% of the sum insured, established in coordination between the Insured and the Insurer," says Dmitry Maslov, head of the Department of Mass Assessment, Vice-President of the Company " Rosgosstrakh ".- decrease or increase the tariff may depend on different factors affecting the change in the degree of risk. For example, the lack of good fire extinguishing facilities and exposure to the territory of insurance of dangerous natural phenomena lead to an increase in the tariff rate. And, on the contrary, the presence of round-the-clock duty (guard) or guard, proximity to the fire station and other similar factors reduce the tariff. "

The thought of colleagues continues Alexander Kabanov, General Director of the Zenit Insurance Society: "In addition, the location of the tariff affects the location of real estate and the goal with which it is used. The tariff rate is 0.15% for a large concrete building, and for such small wooden buildings for such small wooden buildings. like a bath, - already 2%. "

"Basic annual tariffs depend primarily on the value of real estate," adds Artem Spark, Deputy Director of the Risk Assessment Department and resolving the losses of Rosno. - So, build insurance rates worth up to $ 50,000 in our company range from 0.4 to 1 , 1%, and over this amount - from 0.3 to 0.65%. The rates also depend on the material of the walls and the selected insurance coverage option. "

"In our company, the tariff rate for insurance of cottages and houses can be 0.3-1.6%," says Nikolai Krivosheev, the head of the AlfaStrakhovanie property of the property insurance team .- If the house you want to insure is in the protected settlement, The company can provide a discount of 0.05%, and if there is a fire or other signaling, the discount will be 0.15%. "

These discounts and surcharges, or so-called increase and lower coefficients, are able to significantly affect the magnitude of the insurance tariff, especially if the cost of real estate is large. So, notorious 0.05% of the sum insured in 1 mlrup. make up 500 rubles, and 0.15% - 1500 rubles, and all the amendments are summed up. Many companies provide customers with discounts for each year without lossless insurance if there is an existing contract with this company for other types of insurance and when moving from another insurance company. Total all discounts can reach 30%.

With the treatment of correction factors, the tariff may not only decline, but also increase (about this, of course, the insurers do not like to speak). The considerable increase in the cost of the policy leads the following factors: the presence of gas communications and sources of open fire, including fireplaces, IT furnaces, seasonal accommodation, losses from the client in the previous insurance period, renting or hiring, the age of the structure: if the house Built more than 25 years ago, an increase in the basic tariff is used. Usually, the term of the policy (or contract) of insurance is one year. With short-term insurance, the tariff increases.

Of course, the fire is the most terrible risk, because in most cases it leads to the full death of movable and immovable property. The fire does not spare neither small houses nor huge estates. The attachment "Rosgosstrakh" we were told immediately about several insurance cases that occurred in May-June 2005, for which the company paid a serious insurance indemnity. In most of them, the cause of the fire was a short circuit in the electrical wiring. Insurance payments to customers for the property destroyed as a result of a fire amounted to 570 thousand rubles. In the city of Apervuralsk (Sverdlovsk Region), over 600 thousand rubles. For a country house located in the suburb of Novosibirsk, a place called Cainskaya Zaimka (it was insured under the program "Rosgosstrakh House" Classic "), more than 400 thousand rubles. For three small cottages that were next to each other in the Domodedovo district (Moscow region).

What to do?

Finally, we will give a few tips to those who already insured their home or a cottage and may face an insured event to face.

Be sure to keep receipts confirming payment of the insurance premium (contribution) to be able to obtain insurance compensation.

If the insured event still happened, immediately report it to your insurance company. A terrains day or two, it is necessary to personally come there with a written statement about the payment of insurance compensation.

In no case do not move damaged property, do not remove damaged elements of the insured property and do not change the damage picture by another way, if this is not necessary to reduce damage or eliminate the risk of life and health of people.

Be sure to contact the Organization that are authorized to investigate events like your insurance occasion. Get there appropriate help. Corgans of the internal affairs need to appeal in the case of unlawful actions of third parties, to the organs of the hydrometeorological service and the Ministry of Emergency Situations in the event of a natural disaster, to the bodies of the State Fireman Supervision, during the fire, arson, to the relevant government bodies, or other services, Service - with an accident in water supply, heating, sewage systems, to the traffic police, in the case of vehicles.

The editors thanks Rosgosstrakh, AlfaStrakhovanie, "Rosno", "Consent", "Nasta", "Russian Insurance Company", Zenit for help in the preparation of material.