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Country house insurance: rules and secrets
Country house insurance: rules and secrets

Video: Country house insurance: rules and secrets

Video: Country house insurance: rules and secrets
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With the arrival of spring, the issue of suburban real estate insurance becomes especially relevant. The owners of suburban real estate are increasingly visiting their properties, using a stove or fireplace, engineering equipment and all the systems installed in them. All this ultimately increases the likelihood of certain risks for suburban ownership: fire, water damage, flooding, the risk of burglary, vehicle collision, falling trees. Each of these incidents can lead to serious damage to buildings and, as a result, to unplanned costs for the owners. However, owners of suburban real estate can protect their possessions from unforeseen circumstances, and their wallet from financial losses by concluding an insurance contract. But how do you choose the right insurance?

Will tell about it Tatyana Khodeeva, Head of the Individual Property Insurance Department, AlfaStrakhovanie OJSC.

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What can be insured?

  • main buildings: cottages, summer cottages, residential buildings;
  • additional buildings on the site: baths, gazebos, garages, greenhouses, outbuildings;
  • interior decoration of premises: covering of floors, walls, ceilings, windows, doors;
  • engineering equipment (ventilation, water supply, sewerage) and other equipment, buildings: antennas, video surveillance systems, security and fire alarms;
  • movable property (household appliances, furniture, antiques, collections, snowmobiles, ATVs, sports equipment, etc.);
  • objects of landscape and architectural design;
  • civil liability to third parties during the operation of both residential and non-residential buildings on the sites.

Program selection: "box" or individual filling?

Conventionally, the segment of country houses can be divided into expensive buildings in cottage settlements and inexpensive buildings in dacha associations. For expensive buildings, the most relevant product is for elite suburban buildings with the possibility of including additional risks, insurance items, civil liability to neighbors, etc. Such insurance allows you to form an individual insurance program that optimally meets the needs of the owner, the characteristics of the insured building and the characteristics of a particular area on which it is located.

For inexpensive buildings of garden partnerships, summer residents, as a rule, choose a boxed offer.

For inexpensive buildings of garden partnerships, summer residents, as a rule, choose a boxed offer. These are standard programs with the most demanded set of insurance risks with several options for the cost and amount of the insured amount. The convenience of box-based insurance lies in the absence of the need for a mandatory inspection of real estate and inventory, selection of risks and certain conditions. The most demanded has already been taken into account, and at the same time it is possible to slightly supplement the policy, if necessary, according to the needs of this segment as well.

What can a country house be insured against?

  • fire;
  • water damage (for example, due to a ruptured heating pipe);
  • natural disasters and, in this regard, damage to the structure (for example, due to strong winds, falling trees);
  • collision of a vehicle;
  • burglary and thus damage to, for example, the front door;
  • falling of flying objects, trees, power lines;
  • intentional destruction or damage to property by third parties, etc.
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Insurance duration: annual or seasonal?

Owners interested in preserving their property conclude an insurance contract mainly for a period of a year, however, it is possible to purchase insurance for a season. It is not difficult to decide which period of validity of the insurance policy you should choose - it is enough to assess the probability of occurrence and the nature of the risks (whether the occurrence of the most probable risks for your country house depends on the season or not).

How to reduce the cost of an insurance policy?

The cost of insuring any suburban real estate is determined on the basis of an inspection or on the basis of data provided by the client. The price of the policy depends on various factors that in one way or another affect the cost of insurance. For example, a set of risks, restrictions in insurance coverage, characteristics of the structure (fuel / non-combustible), factors that increase or decrease the occurrence of risk (presence / absence of fire or burglar alarms, proximity to dangerous objects, seismic condition, availability of repair work, renting out and others).).

The cost of an insurance policy may also depend on the established insurance amounts and the limits of the insurer's liability for certain risks / elements or in general for the structure.

For suburban buildings, either a full package of risks is most often in demand, this is more manifested in the segment of expensive country houses, or the most urgent risks are fire, disaster. To optimize the cost of insurance, the client can be advised to determine the risks that are relevant to his country house. Risk factors that affect the cost of the policy will in any case be taken into account, but by including / excluding various conditions in the policy - insurance coverage or franchise - the owners of suburban real estate can optimize the policy in terms of value.

How to choose an insurance company?

Today, almost all insurers offer insurance for country properties. However, when choosing an insurance company, you should pay attention not only to the price and availability of different insurance products, but also to the reputation of the insurance company. A good reputation of the company is a guarantee of payment of the policy in the event of an insured event. Therefore, choose large companies that have long been entrenched in the property insurance market.

A good reputation of the company is a guarantee of payment of the policy in the event of an insured event.

How to get paid on it?

The conditions under which clients do not receive payments can be briefly described as follows: the event that happened does not fall under the insurance coverage under the insurance contract. For example, refusal to pay when the wind force, which caused damage to suburban property, is lower than that specified in the contract. Carefully read the contract drawn up with the insurer. Try to take into account in it all events and circumstances that may damage your property.

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