The insured property of individuals is insurance of the following facilities: residential and household buildings, apartments, houses, rooms, landscape design. You can also insure various structural elements of real estate. Also, insurance objects are various buildings located in the summer cottage: gazebo, bathhouse, economic block, garage. Distinguish certain insurance risks that can harm and destroy completely or partially insured object. Such risks include: various accidents in the water supply system, in the sewer system, in heating pipes, gas explosions, natural disasters, terrorist attacks, illegal actions of third parties.
To conclude an insurance agreement, you must contact the insurance company. The insurance contract indicates the insurance amount of the property that will be paid in case of force majeure situations. But, before setting the amount of insurance, it is necessary to evaluate the property. This insurance can be different – it all depends on the insurance company. When calculating the cost of the policy, they take into account the insurance amount, the tariffs of this company, the discounts and benefits of the company. The amount that will be paid upon the occurrence of an insured event is calculated already at the place of the actually caused damage.
At the same time, the amount necessary for the implementation of restoration, repair work, and other expenses associated with the full restoration of insured property are taken into account.
But, as studies have shown, citizens of the CIS countries are more likely to insure cars than their housing. This is due to the fact that the risk of damaging the car is much higher than damage to property.
This behavior of citizens is connected with the unwillingness to throw money down the wind. Many people think that it is not necessary to insure housing, because nothing will happen to it. However, life in multi -storey buildings is unpredictable, and while the owner is not at home, anything can happen to his property: for example, the thief will hack the door, or the old neighbor will forget to close the water crane, and even worse – the gas crane of the beam. In the countries of the “Big Seven”, real estate insurance is a generally accepted rule. Residents of these countries, leaving home, do not even close the door to the key. It is hoped that in the near future, in connection with the increase in the human mentality and the level of social life, real estate insurance will become more demanded in the territory of the former Soviet countries.