Encyclopedia of fire safety

What is apartment liability insurance? Insure your apartment against a flood or what does your neighbors flood insurance give you? What to do in case of an insured event

Neighbor liability insurance is the best option for maintaining good relations with people living nearby. Insurance ensures compliance with obligations towards third parties if damage to health or property is caused by improper use of housing and equipment by the insured person. It is obvious that insurance has many advantages, although in the Russian Federation it is not treated very confidentially. According to statistics, only about 3% of Russians insure their homes, in the US and Europe this figure is about 90%.

When does civil liability arise?

Neighbors' property may be damaged if a fire or other incident occurs in an apartment or house. The fire can spread to neighboring homes, causing considerable damage to other people. Fire extinguishers are also capable of causing damage not only to the victim, but also to those whose housing is located near the source of fire. A torn tap on a pipe or a faulty sewer can also deliver a lot of trouble.

After such a precedent, a person needs to restore not only his property, but also compensate for the losses of his neighbors. At this point, civil liability to a third party begins. If such risks are insured, in the event of a risky situation, the insurance company will compensate for the damage to all affected persons.

Rules for the execution of the contract

The insurance policy guarantees that in the event of an accident, the insurance company will cover all expenses for damages. The policy always prescribes the risks of property insurance, the list of which is determined by the insured person independently. This applies to the degree of damage to housing, namely damage, partial loss, complete loss or destruction. The contract may also specify the risks of a threat to the life and health of third parties. The document is signed by two parties: the insurance company and the client. The contract defines the relationship between its drafters, stipulates the rights and obligations. It is obligatory to indicate full information about each of the participants, their details and contact details.

When concluding a contract, you must make sure that the insurance company has all the permits that allow you to carry out this type of activity.

The contract can be concluded with a client who has reached the age of majority and is recognized as capable. The document must prescribe the amount of liability insurance, within this amount, payments are made to compensate for damage to third parties caused by the insured. All situations in which an insured event occurs must be described in the contract. If some circumstance was not specified in the policy, then upon its occurrence, the insurer may refuse compensation. Most often, the contract is concluded for one year, but at the request of the insured, the period can be three months, six months or even several years.

Features of civil liability insurance

This is a voluntary type of property insurance, so insurance companies offer simple rules and comfortable conditions to attract customers. The client must provide documents such as a citizen's passport, documents for the right to own property, lease agreements or other documents allowing to live at this address for insurance purposes. Insurance companies require a minimum set of documents, because it is not the person's property that is insured, but his liability. Requirements may vary depending on the chosen insurer, but in general they are similar:

  • The policyholder has the right to choose the amount of liability insurance within the limits that the company offers him. The insurance premium paid by the citizen depends on the cost of the policy;
  • The insurance premium can be paid in various ways, including in installments;
  • Drawing up a contract does not require a mandatory application from a citizen;
  • Insurance can be issued not only by the owner of the apartment, but also by persons temporarily residing under a lease agreement;
  • The policy can be purchased in any city of the Russian Federation;
  • Inspection of the apartment for the preparation of the contract is not required.

After the conclusion of the contract, the insured receives a policy and insurance rules in his hands, which indicate the procedure for handling in the event of an accident and stipulate the conditions of legal relations with this company. If an insured event has occurred, then the insured person is obliged to contact the competent authorities and his insurance company at the strictly allotted time for this. To receive compensation, you must provide the following documents:

  • insurance contract;
  • Document confirming the payment of the insurance premium;
  • Confirmation that an insured event has occurred;
  • Conclusions of the commission on the causes of the incident;
  • List of damaged property.

A feature of property insurance is the behavior of the insured person in the event of an insured event. The incident must be reported within 3-4 days. The statement indicates the circumstances and time of the incident, lists the damaged property. The facts provided by the insured are rechecked by an emergency specialist and the presence of an insured event is recorded. After checking the compliance of the incident with the terms of the contract, an act is drawn up, the amount of damage and the amount of compensation are calculated.

The cost of the insurance policy

Upon confirmation of the occurrence of an insured event, the applicant is paid money to restore his own property and third parties. In each case, the amount of compensation is calculated individually. This amount directly depends on the value of the object and insurance limits. But compensation cannot be more than the insured value of the object. Otherwise, the insurance contract may be invalidated. Therefore, for a correct assessment of the value of the insured object, the help of experts is resorted to. You can buy a civil liability insurance policy today from any insurer. Prices depend on the number of risks and the sum insured. The table below shows the offers of insurance companies in 2018.

15.03.2018 62382 0

Hello! In this article we will talk about civil liability insurance.

Today you will learn:

  1. Before whom you can insure your civil liability;
  2. What is the cost of an insurance policy?
  3. How to insure civil liability;
  4. How is reimbursement paid?
  5. TOP-7 companies for civil liability insurance.

What is meant by civil liability and why it is insured

Insurance affects many areas of life. You can protect your home, car, health, and even body parts. Upon the occurrence of the event specified in the policy, the insured, for example, his property, will receive the amount of compensation.

However, the field of insurance is developing and new directions are constantly appearing. Today there is an opportunity to protect not only their own interests, but also those of others.

It would seem, why is this necessary? However, this area of ​​insurance is very common and even has mandatory types, which are stipulated in the legislation.

The most common option is to insure neighbors against possible inconvenience on your part. For example, in the apartment of tenants there was a flood, and water got to those who live on the floor below. In the absence of an insurance policy, you will have to carry out repairs at your own expense. If it is, then the insurance company will compensate for the damage.

Civil responsibility is a responsibility to citizens who may suffer from the actions of the perpetrators.

Every day there are many accidents on the roads, and therefore the state obliges all vehicle owners to issue a policy. It allows you to insure liability to other road users.

Liability insurance is a handy tool to protect your own pocket from exorbitant spending. In some cases, the cost of damage can hit a family's budget hard, and a small annual payment to the insurance company can make things better.

Contributions are a small percentage of the amount of coverage that is paid upon the occurrence of an insured event. In most cases, the amount of compensation covers the damage caused with a vengeance. If such funds were not enough, then the remaining part is paid from the purse of the guilty person.

Civil liability insurance is carried out by both individuals and legal entities. At the same time, the volume of payments in the second case is often more significant.

Types of third party liability insurance

The Federal Law on insurance provides for two types of civil liability protection:

  1. Mandatory. Insured in the manner prescribed by regulatory enactments. The absence of such a policy, if it is required by law, entails punishment. This includes an OSAGO policy for car owners, insurance for enterprises whose activities are associated with a potential environmental threat, and other types;
  2. Voluntary. The law does not oblige citizens to issue a policy. Registration of an agreement with an insurance company is optional. For example, you can conclude an agreement for DSAGO (voluntary OSAGO, which operates in addition to OSAGO and increases the cost of compensation), for insurance of neighbors from a flood due to the fault of residents, etc.).

According to the objects of civil liability insurance, the following types are distinguished:

  • . Each vehicle owner is obliged to insure his liability to other drivers, passengers and pedestrians. This information can be obtained from the Regulations on insurance of the Bank of Russia of 2014. The policy indemnifies 400,000 rubles for material damage and 600,000 rubles for damage to health. If the amount of compensation is not enough, for example, to restore the efficiency of transport, then you will have to say goodbye to banknotes from personal savings. At the same time, the amounts of 400,000 rubles and 600,000 rubles are fixed indicators and do not depend on the amount of annual contributions. This type of insurance is called OSAGO, which is enshrined in 40-FZ. This also includes DSAGO on a voluntary basis;
  • . Companies transporting various goods are responsible for the timely delivery and integrity of the cargo. However, various situations can occur on the road that will delay the transport on the way or lead to product damage. To avoid large payments to the owner of the goods (in some cases their value is measured in millions), the carrier insures liability, and in the event of certain events for the lost goods, the insurance company will pay to the owner;
  • Environmental damage insurance. This measure is mandatory for enterprises engaged in hazardous production. For example, there is a danger of chemical contamination of the environment. Such risks, as a rule, have multimillion-dollar amounts of compensation, and, consequently, the amounts of contributions are rather big;
  • Insurance against marriage of manufacturers and sellers. Even in fully automated production, defective products can be produced. Often the supplier cannot find out about this. If the marriage was noticed by the buyer, then if there is insurance, the company that issued the policy compensates the amount of the costs;
  • Professional Mistake Insurance. For example, a client turned to a lawyer who assured that he would win the case in court. But at the end of the meeting, the decision was not in favor of the lawyer and his client. In this case, the costs incurred by the applicant will be compensated by the insurance company. This type of protection is typical for persons practicing private activities: realtors, brokers, lawyers and others;
  • Insurance of the developer against non-fulfillment of the terms of the contract with equity holders. There is a law that does not allow the developer to demand the entire amount of the purchase from the client before the completion of the construction of the object in the absence of a policy. If the owner of the facility under construction fails to fulfill some essential clause of the contract, the equity holders will be able to return the invested funds in full;
  • . For example, you took out a loan, but you are not sure about your future solvency. In this case, you can contact the insurance company and issue a policy that, in case of your problems with financial solvency, will pay the bank for you. By the way, in the presence of such a policy, credit organizations significantly lower the interest rate;
  • . In this case, compensation is provided to third parties for damage to their property. For example, a fire in one private house moved to a nearby one. The insurance company will pay for the restoration work.

How much does liability insurance cost

There are a lot of objects for civil liability insurance. Both individuals with small incomes and international companies with billions of dollars can protect potential risks to third parties. The amounts of contributions in these cases will differ significantly.

Basically, the cost of the policy depends on:

  • The type of liability that is insured;
  • The amount of coverage that is paid to victims upon the occurrence of an event specified in the policy;
  • Number of insured risks;
  • Franchises (if you are able to pay small amounts for the risks that have occurred from your own funds, then the insurance company will reduce the tariffs for you).

The insurance policy also indicates the amount of compensation that can be paid:

  • Only for one insured event during the entire period of the policy (for example, residents of neighbors flooded three times in a year: one of them will be paid by the insurance company, and two by the perpetrators of the incident themselves);
  • For one victim (for example, two cars were damaged in an accident, but under the terms of the policy, compensation is paid only to one of them. The damage to the other driver will be paid by the person responsible for the accident);
  • Without setting limits (if 5 clients suffered from erroneous calculations of the appraiser during the year, then each of them is entitled to compensation).

Thus, the cost of the policy can be 1000 rubles, and several million. It all depends on the scale of risks, their variety and the amount of coverage.

Step-by-step instructions for those wishing to insure their liability

If this is your first time deciding to become the owner of a policy that protects civil liability, then we recommend that you follow the following sequence of actions:

  1. Choose the right insurance company. Evaluate it in terms of several criteria: reliability, speed of payments, the amount of the policy and the variety of insured risks. The best option is to get the opinion of relatives or friends. Probably, some of them have experience of interacting with insurance companies and will share their impressions about a particular company;
  2. Decide on a set of risks. If you take out compulsory insurance, then the choice in this matter has already been made for you by the state. And if there is a registration of a voluntary policy, then think about the list of what risks it is better to indicate in it. Designate only those of them that are somehow connected with your life. The more risks, the higher the cost of insurance;
  3. Prepare documents. Depending on the type of risk, they may require a passport and papers for the property. In rare cases, the insurance company asks for any certificates that are prepared for several days. Most often, it is enough to make copies of the documents on hand;
  4. Issuing and signing the policy. At this stage, carefully read all the points in the received document. Be aware of the fine print or footnote suggestions. They may contain important information regarding the terms of payments;
  5. Payment of the fee. You can pay in cash to a representative of the insurance company or make an electronic payment. You will be issued a receipt, which is proof of the deposit. Some companies allow payment in installments over several months.

The simplest types of policy can be issued online. For example, civil liability insurance to neighbors is registered without visiting insurers through the website of the selected company.

If a large company insures the risks of environmental pollution, then registration takes place exclusively in cooperation with a specialist.

Policy expiration date

You can register an insurance policy for different periods. Regular insurance is for a year. Periods up to 12 months are also acceptable. This condition is negotiated with the insurance agent and depends on your goals.

The policy takes effect from 00:00 the next day, after which the lump-sum payment or the first part of the installment was paid. The end of the insurance falls on 24:00 of the day, which is indicated in the policy as the last day of the contract.

All events that occurred before the commencement of the policy or upon its completion are not insured events. No payments will be made on them.

The insurance contract may indicate that the insurance company will pay compensation for those events that occurred before the entry into force of the policy, if it is proved that the insured event occurred already during the validity of the contract.

The same applies to events that occurred before the end of the policy, but became apparent after its completion. Such policies usually indicate the period in which the company accepts applications for compensation.

The contract concluded with the insurance company may be terminated for the following reasons:

  1. Completion of his term;
  2. Early fulfillment of all obligations by the insurance company;
  3. The court recognized the invalidity of the contract;
  4. The insured refused the services offered by the policy;
  5. The client did not pay the installment plan in due time (if you neglected the obligation to make monthly payments according to the contract, then the insurance company will not pay compensation, because you did not pay for the service).

How is the policy paid out?

In the event of an insured event, you must contact your insurance company. This can be done by calling the hotline, which is indicated in the policy, or through the website of the insurer.

To receive compensation, you will need:

  1. Draw up an application for compensation for damage (it can also be written by the victim of your actions);
  2. Present all documents confirming the insured event (for example, an act of inspection by a specialist of a flooded apartment of neighbors).

Within 7 working days, the insurer will announce to you the decision to approve the payment or refuse it. According to the decision, an act is drawn up, according to which the amount of compensation will be calculated.

Payments depend on the damage caused and are paid in the amount of:

  1. The cost of the object in case of its complete destruction (within the amount of coverage);
  2. The cost of repair (improving and other) work based on the conclusion of an independent appraiser (in case of damage to property, harm to health or the environment);
  3. The cost of improving quality characteristics, if the damage received does not require restoration work.

TOP-7 companies for civil liability insurance

The choice of an insurance company largely determines the procedure for further payments. This is an important criterion by which the reliability of an insurance company is judged.

If the expectation of compensation is delayed for several weeks, or even months, then the relationship between the insurer and the client often ends.

We will consider the TOP-7 insurance companies with high reliability ratings, as well as extensive experience and a network of representative offices throughout the country.

These include:

  1. Reso-Guarantee. It has been operating since 1991, has a license to carry out 100 types of insurance. There are 850 branches in Russia, and there are representative offices in the near abroad. Here you can insure liability to neighbors, road users and other persons;
  2. AlphaInsurance. Has been in existence for over 20 years. During this time, the company has 270 branches. The Group is part of a large holding company with a banking organization, a chain of large supermarkets, several chain operators and other companies;
  3. Rosgosstrakh. Offers the widest choice of insurance products related to civil liability. One of the first insurance companies, which to this day does not reduce turnover;
  4. Uralsib Insurance. The company has been providing insurance services since 1993. The insurer constantly implements various social projects;
  5. Gazprombank. The insurance company is part of a group that includes a large number of machine-building and petrochemical plants. This is an important factor confirming the financial solvency of the insurer;
  6. Sogaz. The company has been operating since 1993 and is one of the leaders among individuals' insurance. An extensive network of insurance services for organizations has also won its regular customers;
  7. VTB Insurance. The company has been offering insurance services since 2000. During this time, the number of clients of the insurer has increased several times, and the volume of insurance premiums has exceeded 60 billion rubles.

These companies allow you to create a civil liability protection policy online. The order of insurance in each of them is different: both ready-made programs and an individual approach are offered.

Insurance rules

In order not to be disappointed in the actions of the insurance company when insuring civil liability, we recommend that you adhere to the following rules when issuing a policy:

  1. Look for a trusted insurance company. Find out about the number of payments for the last year, the amount of compensation per person and the statistics of reimbursement denials. This important information is contained on the websites of rating agencies, on the basis of which one can judge the reliability of the insurer;
  2. After entering your data by the insurance agent, check it for accuracy. If the personal information contains the slightest discrepancy, your payment will be denied. Moreover, the responsibility for the correctness of the entered data lies with the client, and therefore carefully consider this moment. Otherwise, you will simply give the money to the company without the possibility of compensation;
  3. Examine the insurance risks specified in the policy. Find out in which cases payments are not due. Check with the specialist when compensation can be denied. These important questions will help you avoid problems in the future;
  4. Contact the companies whose services you have already used. Thus, you will receive a discount on the next policy. For regular customers, insurers have reduced rates.

The rules of insurance in a particular company can be found on the website or by reading them in the contract being concluded. Follow all the recommendations of the insurance company in the event of an insured event, so you protect yourself from denial of payments on its part.

If the events specified in the insurance policy have occurred, immediately inform the insurance company about this and do not make independent attempts to eliminate the consequences of the incident.

Residential insurance

From 2020:

The insured value of the dwelling is equal to the product of 44 thousand rubles. (insurance value of 1 sq. m) for the total area of ​​the insured dwelling.

The insurance premium (annual payment for insurance) is equal to the product of 23 rubles. 52 kop. (insurance fee for 1 sq. m.) for the total area of ​​the dwelling, i.е. the monthly insurance premium rate is 1 rub. 96 kopecks

Voluntary insurance of residential premises is carried out in accordance with Article 24 of the Law of the City of Moscow dated January 27, 2010 No. 2 “Fundamentals of the Housing Policy of the City of Moscow” and the Regulations on the Residential Insurance System, approved by Decree of the Government of Moscow dated October 1, 2002 No. 821-PP “On measures to further development of the insurance system in the housing sector of the city of Moscow” (as amended on December 1, 2017).

Residential property insurer may act as a tenant or owner.

Not subject to insurance on the terms of the system, residential premises recognized in accordance with the established procedure as unsuitable for habitation or located in multi-apartment buildings, recognized in accordance with the established procedure as emergency.

Participating insurers, selected by the results of an open competition.

WITH 01/01/2018 to 12/31/2020 The following insurance organizations participate in the insurance system in the housing sector of the city of Moscow:

  • SPAO "Ingosstrakh" (Central, Eastern)
  • LLC "SK "Consent" (North-Eastern, Zelenogradsky, TiNAO)
  • SAO "VSK" (South-West, North-West)
  • AlfaStrakhovanie JSC (Western, Northern)
  • LLC IC "VTB Insurance" (South-Eastern, Southern)

Obligations of the Moscow Government under residential insurance contracts:

  • in case of damage to residential premises, the Moscow Government is responsible for paying the insured part of the damage to be compensated in addition to the insurance compensation of the insurance company. Payment from the budget of the Government of Moscow is processed by the State Budgetary Institution of the City of Moscow "City Center for Property Payments and Housing Insurance" (GBU "Center for Property Payments and Housing Insurance");
  • in the event of the destruction of residential premises to citizens registered in it at the place of residence, the Moscow Government guarantees the provision of housing in accordance with the norms in force in the city for the provision of replacement insured residential premises destroyed as a result of an insured event.

Conclusion of an insurance contract Under the conditions of the residential premises insurance system, it is carried out in two ways:

  1. An insurance contract to the bearer, concluded using payment documents for payment of housing and communal services or according to special receipts of insurance organizations.

Since 1999, a simplified procedure for concluding an insurance contract has been in force.

Each apartment subject to insurance is supplied with a Certificate of insurance of residential premises in the city of Moscow, which is an offer, i.e. an offer to conclude an insurance contract on certain conditions.

From the first day of the month following the date of payment of the first insurance premium, the Certificate is recognized as an insurance contract that has entered into force.

This form of concluding an agreement complies with the current legislation (articles 160,161, 432-444, 930 part 3, 940 of the Civil Code of the Russian Federation).

The monthly insurance premium must be at least 1/12 of the insurance premium. Payment of the next installment is made before the 1st day of the month corresponding to the beginning of the unpaid insurance period.

An insurance certificate and a document confirming the fact of payment of the insurance premium are submitted by the insured to the insurance company when processing losses in case of damage or destruction of the insured dwelling.

Insurance risks:

  • fire (exposure to flame, smoke, high temperature in the event of a fire), including fire occurring outside the insured residential premises, carrying out lawful actions to eliminate it;
  • an explosion for any reason (excluding an act of terrorism), including outside the insured dwelling;
  • accidents of heating systems, water supply, sewerage, as well as internal drains (including the places where water intake funnels mate with the roof), including those that occurred outside the insured dwelling, and lawful actions to liquidate it;
  • strong wind (over 20 m/s), hurricane, tornado, squall and accompanying precipitation.

Contract time insurance- 1 year from the date of entry into force of the agreement.

  1. 2 . Conclusion of an individual insurance contract housing is made directly to the insurance company. An insurance policy is issued for a period of 1 year, indicating the full name. insured.

First option. The insurance premium is equal to the product of 23 rubles. 52 kop. per total living area per year. Otherwise, the terms of the contract are identical to those in force when insuring apartments using payment documents for payment of housing and communal services. The liability of the insurer is 85%. The responsibility of the Moscow Government is 15%.

Second option. The insurance premium is equal to the product of 39 rubles. 48 kop. per total living area per year. Insurance value of 1 sq. m increased to 66 thousand rubles. The liability of the insurance organization has increased from 80% to 95%.

Provides a higher level of payments for insured events.

Residential insurance is the most popular type of voluntary insurance in the city: More than 2 million apartments have been insured on the terms of the system.

In most cases, contracts were concluded using the mechanism for paying insurance premiums based on payment documents for housing and communal services (> 80% of contracts).

Since the beginning of 2019, as part of the City Home Insurance Program, conducted by the Center for Property Payments and Housing Insurance, 5.5 thousand Moscow families have received insurance claims in the total amount of more than 202 million rubles.

The largest number of payments under the insurance program in 2019 was made in the Eastern Administrative District (863 insured events). The total amount of insurance payments in the district amounted to 38.9 million rubles.

On average, the cost of Muscovites for apartment insurance in 2019 amounted to 102 rubles. per month.

Contact Information:

State public institution of the city of Moscow

"City center of housing insurance"

In the event of a fire, explosion of domestic gas in an apartment or a country house, the property of other persons is often at risk: the fire can spread to nearby areas or residential premises, and the foam and water that are used to extinguish the fire can also cause harm not only to the victim himself, but and neighbors.

– a legal relationship between the property owner and an accredited agency, in which an individual pays annual premiums to the company. The company, upon the occurrence of a possible risk, must cover the financial damage caused by the owner of the housing to other persons (communal services, neighbors or other service companies). The beneficiaries under this agreement are third parties. It is to them that the insurer will pay compensation.

How to insure civil liability?

Accredited organizations offer fairly affordable rules for drawing up a contract:

You can buy a policy .

The client is provided with the optimal program (defined risks, amount of compensation) at his discretion

· The amount of compensation can be determined independently.

· No need to inspect the client's apartment, as the policy covers damage to third parties. Inspection of someone else's property is not possible without the consent of the owner. For the same reason, property and repairs are not described.

· Ability to purchase a policy in any region of Russia.

· The contract can be drawn up not only by owners of real estate, but also by tenants.

· Civil liability insurance for apartment owners most often does not require a visit to the company's office, as you can purchase services via the Internet. Only in this case it is necessary to keep the receipt for payment.

It is allowed to transfer the necessary data to the company for registration of the policy in several ways: online (fill out the form), by phone (using the contact center)

In what situations does liability insurance cover?

This type of service provides protection to the insured client in cases of harm to the health, life and property of other persons (in this case, neighbors) in the presence of the following possible risks:

household gas explosion;

fire;

damage to property as a result of flooding;

damage caused in the process of repair work, redevelopment, reorganization and re-equipment of the dwelling;

Damage caused as a result of failure of engineering networks (heating system, sewerage).

if you have apartment, then liability insurance before neighbors - the main protection of property and material interests, not only yours, but also third parties. But we should not forget that the case can sometimes go to court. For such situations, a separate type of program is provided: insurance of legal costs.

Property owners in an apartment building may face property damage issues due to flooding. This can be caused by broken pipes, a faucet left on, a broken washing machine. Each such case causes damage to the apartment and requires repair work. In this regard, it is proposed to insure the apartment against, which will help to significantly reduce the cost of restoring property.

How to properly insure an apartment from the bay by neighbors?

Real estate insurance is regulated by the Civil Code in Article 930. The bay of the apartment is considered an insured event and is included in the insurance contract. Most citizens do not consider insurance a necessary procedure when drawing up documents for an apartment. But it is insurance that allows, in the event of an event that caused damage, to cover all the financial costs of repairing an apartment and cosmetic finishing.

Important! Apartment insurance is a voluntary action, the choice of insurance companies is quite large, but the legislation considers a project from 2018 on compulsory insurance of real estate, including cases of flooding.

In order to properly insure an apartment, the following operations must be observed:

  • choosing an insurance company, collecting the necessary documentation;
  • miscalculation of possible risks and the conclusion of an insurance contract.

Each of the operations requires a careful approach. Usually, a tariff is selected according to the budget of the owner of the apartment and the number of insured events included in the contract.

Varieties of risk

Real estate insurance includes certain risks of the following nature:

  • leaks of plumbing equipment (for example, taps, valves);
  • leaks in the equipment of heating systems;
  • breakage or leakage of pipes or other communications (insurance indemnifies the injured party for damage to pipes or their depressurization).

Important! Failed communications and equipment with an expired shelf life are not the cause of insurance, and the damage from them is not compensated.

Particular attention should be paid to drawing up an apartment flood insurance contract - it must indicate all the risks in order to receive payments on them. If the case that caused the damage is not registered, then the insurer does not pay out the money.

Advantages and disadvantages of insurance

Apartment insurance belongs to an important category of documentation and obliges both parties to take legally competent actions. Flood insurance has a number of disadvantages and advantages. For example, in an insurance company

Ingosstrakh drawing up an agreement against flooding by neighbors has the following pros and cons:

Price

In order to find out the cost of future insurance, there are many online servers with special calculators that are designed to calculate insurance for any occasion. Also, the official websites of insurance companies have their own calculators that will help you find out the cost of insurance in advance. For example, you can find out the cost using calculators:

When working with a calculator, we select an insurance program, insured events will be listed in a separate column, the total cost of insurance and monthly payments on it will be indicated. Also, the maximum and minimum payments for damage are additionally calculated.

Liability insurance for those living below

Apartment flood insurance may include civil liability insurance for those living below. This means that when the insured person compensates for the damage caused through the insurance company, that is, all payments are made by the insurer.

Liability insurance is calculated on the risks associated with the following cases of flooding:

When insuring liability, special attention is paid to the location of the insured's apartment, the more floors and apartments under it, the higher the cost of the contract.

Required documents

To draw up an insurance contract in case of flooding, you will need to present the following documents:

  • passport;
  • title documents for the apartment, for example, a certificate of ownership, a lease agreement.

Attention! In the event of an insured event, the company will require the same documents for making payments that were at the time of registration.

Price

Apartment insurance against flooding by neighbors and neighbors is an alternative solution to a lengthy lawsuit in case of damage to the property of third parties.

The terms of the contract affect the cost of the policy:

The cost of the policy directly depends on its constituent factors:

  • insurance program and risks;
  • objects of insurance that are indicated in the policy (for example, standard objects: decoration, structural elements of the apartment, additional objects - household appliances, furniture, aquariums, interior items (included in the additional list, since their insurance is much more expensive);
  • the term of the contract (the longer the policy is valid, the more expensive its maintenance). It is possible to conclude an insurance contract for the most minimal period (for example, during a vacation) and for a long period, the policy can be extended;

The cost of the policy is calculated on an individual basis and depends primarily on the sum insured and the cost of the apartment. You can issue a policy within 0.3 - 1% of the average market price for real estate with the maximum amount of insurance premium. The average market value of an insurance contract against flooding an apartment varies from 2 thousand rubles to 5 thousand rubles.

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