Insurance of a house, country property, plot, land against fire, flood, natural disasters

Rosgosstrakh is one of the 10 largest domestic insurers. Its market share in property insurance is 4.8%. In the first half of 2021, more than 6 billion rubles of insurance premiums were received from the population. This is a considerable amount, but also not the largest amount - in the ranking of insurers in terms of the amount of premiums received, Rosgosstrakh ranks 7th.

The leaders are Ingosstrakh (10.7 billion rubles), IC Soglasie (8.7 billion rubles), JSC Alfastrakhovanie (7.9 billion rubles). Let's consider what the company offers to clients who want to insure a house or apartment.

Features of Apartment, House and Equipment Insurance at Rosgosstrakh

First, let’s determine what the specifics of this type of insurance are. The following key points are highlighted:

the policyholder must be interested in preserving the object that is insured, that is, have a property interest in it;
the damage that may be caused to such an object must have a monetary value. It is determined by the policyholder or an employee of the company;
Property can be insured in favor of the policyholder or a third party;
houses and apartments are usually insured for a year, but other periods may be established;
the amount for which property is insured should not be higher than its value. However, during the validity of the contract this cost may change;
the insurance premium paid by the client depends on the set of risks against which the property is insured, the type of building, the materials from which it is built, its location and other factors.

Also, the features of property insurance include a deductible - part of the losses that the owner undertakes to cover independently.

Country cottage insurance calculation

A number of basic and additional parameters are included in the calculation of the cost of insurance:

Total cost of the house.
Cost of finishing.
Cost of communications.
Cost of communications, household property.
Mode of residence, seasonal or permanent.
Duration of insurance, which affects the amount of discounts.

Here are some examples:

№	Characteristics of the insurance object	Cost of the object, rubles	Percentage of annual tariff	Estimated amount of insurance, rubles
1	Full insurance The house is brick. All risks insurance. The house is equipped with metal bars on the windows and metal entrance doors. Residence conditions are year-round	8 000 000	0,72%	57 600
2	House made of rounded logs. Fire insurance. Heating is stove (wood). Year-round accommodation for a family of 4 people.	3 000 000	0,44	13 200

IMPORTANT: The calculations presented are for informational purposes only. Home insurance is always an individual contract, subject to specific conditions.

For this reason, how much insurance actually costs for a year is determined only by the selected company, whose representatives will actually evaluate and agree on all the conditions on the spot.

"Rosgosstrakh" - Apartment Insurance against Flood, Fire and Theft

Apartment insurance has its own specifics. In addition to the real estate itself and its elements, insurers recommend insuring the property that is located in it, as well as civil liability. After all, in an apartment building they can cause damage not only to the property of the owner, but he himself can cause damage to the property of other residents: a flood, a fire, an explosion.

What most often happens to apartments:

Fires. In 2021, 132,074 fires were recorded, of which 93,678 were residential buildings.
Bays. According to insurers, 9 out of 10 insured events in apartments are flooding.
Theft. Every 12th kidnapping is a burglary.

Most often, insurers recommend insuring an apartment in the following cases:

The apartment is for rent. Moreover, not only the landlord, but also the one who rents the apartment can insure the property.
Left unattended for some time.
Purchased with a mortgage.
Contains expensive property.

In addition, expensive renovations made from exclusive materials should also be considered as a reason for concluding a contract.

Apartment Insurance Programs at Rosgosstrakh - Asset and Prestige

Rosgosstrakh has developed three different products for clients insuring apartments:

“Asset fixed”;
“Individual asset”;
"Prestige".

The table shows the main parameters of these programs.

There is no table associated with this shortcode.

Usually the contract is concluded for 1 year, but under the “Prestige” program you can set a period of six months.

Apartment in "Rosgosstrakh" - Policy Cost Calculator

The price of the policy is affected by:

location of the property, including region, city, area of location;
apartment area;
the amount of the insurance premium – that is, how much the apartment is insured for. The larger it is, the more expensive it is;
what elements will be included in the insurance contract - interior decoration, exterior, civil liability, property inside the apartment, its cost.

The insurer's website has a calculator that allows you to calculate the cost of the policy. The calculation itself consists of several stages:

Indicate the city where the apartment is located and the number of rooms in it.

Select a program. You can choose all three programs, or you can choose just one.

Click the icon next to the list to select the coverage amount. For interior decoration, 3 options are available: 300 thousand, 450 thousand and 900 thousand rubles.

As the amount of insurance increases, the price of the policy increases. For example, for coverage of 900 thousand rubles you will have to pay 9,210 rubles.

Next, indicate the policyholder's data: full name, date of birth, passport details, email to which the policy will be sent.

Home property can be insured for an amount from 200 thousand to 1 million rubles, civil property from 40 thousand to 500 thousand rubles, finishing inside an apartment for an amount from 300 thousand to 900 thousand rubles.

How can you influence the price?

The interest of insurance companies in attracting additional clientele forces them to offer various attractive conditions and discounts. We are not talking here about unscrupulous insurers who may abuse this by setting unrealistically low prices that will ultimately prevent them from recovering claims. Let's consider ways in which you can influence a decrease or increase in the price of insurance.

For decreasing

Common ways to reduce insurance costs include:

Insurance only against the most probable risks: fire in a log house.
The house is not rented out, but is used for living by its owners. This reduces risks and insurance costs.
Inclusion of partial value in the calculation: the house for calculation is valued at half of its actual value.

When increasing

The motive for increasing the cost of insurance is the client’s desire to fully insure the property to fully compensate for any damage. A guarantee in such a case will be the conclusion of an agreement with a company known for its reliability. It is important that the company confirms this reputation over a long period. The cost of such services will be higher.

"Rosgosstrakh" - Insurance of Homes and Cottages against Flood, Fire and Theft

Most often, country houses are insured by those who do not live in them permanently. Typical incidents for a country house: floods, fires, natural disasters, thefts, explosions. Mechanical damage also often occurs: falling trees, lighting poles.

This program insures not only the house itself, but also the bathhouse, fences, outbuildings, landscaping elements, self-propelled vehicles, gardening and work tools and equipment.

Home and Cottage Insurance Programs at Rosgosstrakh - Finishing and Elements

On this line, Rosgosstrakh also offers 2 programs:

"Rosgosstrakh-dom "Active". You can insure with it a dacha, house, buildings erected in a gardening partnership, town, village, village, cottage community.

"Rosgosstrakh-dom "Prestige". This program insures private houses with exclusive architecture, interior and exterior design. This includes, at the client’s request, insurance of landscape design, antiques, and collections.

The first program is designed for 1 year, for the second you can choose the duration yourself. The premium can be paid in one go or in installments. Also, under both programs you can insure civil liability.

The website does not have a service for calculating the cost of a home insurance policy, but after registration you can order free delivery to your home or office.

How much does it cost to insure a house?

A private house is an expensive type of real estate.
But various unforeseen situations often arise when an object is damaged or destroyed. Because of this, many owners have a question about how much it costs to insure a house in order to receive monetary compensation for damage if something happens.

Part of a house or the whole house - what can be insured?
Features of private home insurance
Estimated cost of home insurance
Who to trust with home insurance
Home insurance in Rosgosstrakh
Home insurance at Sberbank
Home insurance - online calculator
Is it possible to insure an unregistered and unfinished country house?
Where to go to insure your dacha and country house
Required documents

Part of a house or the whole house - what can be insured?

Today, insurance companies can choose different programs that allow you to insure the entire house, as well as its individual elements, against damage.

So, you can take out a policy for:

all House;
elements of its internal or external decoration;
outbuildings, which include a garage, a bathhouse, and a guest house;
property located in the house;
life support systems.

In addition, you can insure the garden plot itself where the residential building is located.

Please note: an important feature of insurance is the difference between the concept of a country house and a private one. Because of this, specific types of policies are offered for each case.

The reason is that a person stays at a dacha in a village seasonally, while in a residential building he lives permanently.

Features of private home insurance

When taking out insurance, you need to carefully approach the nuances that affect the cost of the policy and the quality of services:

how much the insurance company valued the house;
the total amount of risks specified in the policy;
the cost of obtaining insurance;
the presence of documents on ownership of the person concluding such an agreement.

Estimated cost of home insurance

What the price of the insurance issued will be directly depends on the estimated value of the real estate.

For example, you will need to spend no more than 1% of the total price on a wooden cottage. But tariffs for brick houses vary on average between 0.2-0.6%.

For example, the cost of insurance against arson, flooding, and short circuit for 1 million rubles for a monolithic house with an area of 100 square meters in Moscow or the immediate Moscow region is about 5,500 rubles.

Insurance of a private home is an analogue of compulsory motor liability insurance, only the object of the contract is real estate.

Who to trust with home insurance

The procedure for obtaining a policy must be entrusted to a proven and reliable company.

During the selection process, it is recommended to pay attention to the following characteristics:

Duration of the organization's work in the insurance services market. This is considered one of the main factors indicating its reliability and stability. It is recommended to give preference to those companies that began operating before the financial crisis of 2008.
The presence of positive reviews and a minimum number of negative ones. This indicates that they are fulfilling their duties in good faith.
Variety of insurance programs. With a large selection of policy types, the best option for a particular case is selected.
Total insurance price. It is recommended to avoid companies that give their clients extremely low contract prices; however, it is also not recommended to pay excessively large amounts.

Home insurance in Rosgosstrakh

The Rosgosstrakh company has been operating in Russia longer than others, providing its clients with insurance services for houses and other real estate.

This organization has the opportunity to choose one of several programs for obtaining a policy.

These are:

Rosgosstrakh-dom Asset , intended for issuing insurance for houses of the lowest and middle price categories. Gardeners should use it to protect their summer cottages, where they spend only the summer months.
Rosgosstrakh-dom Prestige allows you to issue an insurance policy for expensive houses. Typically, this service is used by people whose real estate belongs to the elite class and is located in guarded villages.

Home insurance at Sberbank

The largest bank in Russia has its own insurance company, which provides its clients with comprehensive protection for their residential property against various risks, as well as damage caused to the property of neighbors.

In total, the company provides 4 levels of insurance. They also differ in the amount of protection provided by the policy, as well as the benefits the owner must pay each year.

Good to know: often when applying for a mortgage, Sberbank offers to take out its own insurance for real estate. In this case, the conclusion of the contract occurs even without examining the object itself, because all the data is already in the hands of the bank.

Is it possible to insure an unregistered and unfinished country house?

It is considered popular today to take out insurance for unfinished and under construction projects. In this case, companies provide a policy to a person who does not even have documents certifying ownership.

The biggest difficulty in such a situation is not how to calculate the cost, but how to receive the insurance payment.

The fact is that companies in this case require the submission of documents that confirm the existence of ownership rights to a specific object, and without them they refuse to fulfill their duties.

Please note: controversial situations where there is a need to receive compensation are resolved through the courts. Therefore, before purchasing such insurance, it is worth assessing the possible risks and benefits.

Today there are hundreds of different insurance companies on the market offering a wide range of services. People reasonably have questions about which ones are more reliable and who offers the best conditions. It is worth considering popular organizations.

Alpha insurance

This company has been operating in the insurance market for more than 20 years. The number of its branches located throughout the country exceeds 300 branches.

Alfa Insurance allows its clients to insure any type of real estate, from an ordinary country house to a luxurious luxury mansion.

In addition, it is possible to issue a policy for all objects present on the site, as well as for the land.

Rosgosstrakh

This organization has been operating in the Russian insurance market the longest and occupies a leading position according to the Expert rating agency.

The company is represented in every region of the country, and you can even issue an insurance policy directly on the website, simply by selecting the most suitable type of insurance.

Required documents

To apply for home insurance, you need to prepare the following documents:

the applicant’s passport or papers confirming legal registration. faces;
documents confirming ownership of the insured property, or a corresponding power of attorney for drawing up contracts;
expert opinion on the value of the property;
a statement written in the prescribed form.

It’s worth knowing: sometimes an insurance company independently evaluates property when the provided papers about the value raise doubts among their representatives. After all, the insurance premium ratio, as well as the cost of the policy, are calculated from this indicator.

To insure your home, you first need to choose an insurance company. Next, you should decide on the insurance risks and objects that are covered by the policy. After assessing the value of the property, an agreement is required.

Source: //1001urist.ru/nedvizhimost/strahovka-doma.html

Policy for Apartments and Houses from Rosgosstrakh - Buy Online

There are three options for purchasing insurance:

In the office. Visit any representative office of the company, and employees will help you choose the right program.
By phone. You need to call 0530 and specialists will advise on the terms of insurance, evaluate the property and issue a policy.
Online. This method can only insure an apartment.

When visiting a company representative office in person, you need to have a passport and a document confirming your property interest in the insured object, for example, a certificate of ownership of an apartment.

Not only the owner of the apartment, but also the one who rents the property can insure the property. And in each case, the package of documents submitted will be different. The owner presents the following documents:

rental agreement, you can bring a copy;
list of property to be leased;
information about the policyholder and beneficiary.

The person who rents the property submits a rental agreement, as well as a list of property that he received for rent from the owner of the property.

The price of the policy is influenced by many factors: the set of risks included, the base amount, the tariff, the value of the property. For example, a policy insuring the decoration, property and liability of the client costs 4,080 rubles.

Which Product Should I Choose for an Apartment and House at Rosgosstrakh?

The “Active” and “Prestige” packages are similar in many respects. But “Prestige” should be chosen by those who want:

draw up a contract without examination by a specialist;
independently choose combinations of risks;
insure for a non-standard period – less or more than 1 year;
insure expensive property.

By default, the Prestige program is more expensive, but it can be used to insure expensive objects with exclusive characteristics.

"Rosgosstrakh" - Insurance of Apartments and Houses with a Discount of up to 50%

At Rosgosstrakh, you can buy a policy in installments or significantly save on its cost. One way is to choose the right risks. For example, you do not need to choose the “bay” risk if you live on the first floor. This way, you can avoid overpaying for unnecessary options.

The second method is comprehensive insurance, when two different products are combined into one program. For example, comprehensive insurance “House and Apartment”. For such an agreement they provide a 15% discount. To do this, the client must fulfill the following conditions:

conclude 2 contracts, one of which must be concluded for the first time;
The same citizen must be registered as the policyholder in both contracts. Such requirements do not apply to beneficiaries - they can be different.

The third way to save is by installments. Rosgosstrakh has 2 options:

Installment plan for 3 months, during which you need to make 2 payments. The size of the first must be at least 50%.
Installment plan for a year. The amount is divided into 4 equal parts, and during the year one part must be paid every quarter. But you need to take into account that the cost of the policy will be slightly higher.

Fourth method: extension of existing contracts. For example, if you extend the Prestige contract for the second year, then a 5% discount is provided, if for the third year, then 10%. But here there is an important condition: the previous contract must be break-even.

Fifth method: franchise. This is the name of the part of losses that is not compensated by the insurer. The cost of the policy may decrease several times.

Home insurance: how much it costs, how to properly and against what to insure a cottage or house

Along with peace of mind and faith in the future, acquiring real estate also brings additional troubles and even fears to its owners - the native walls need to maintain living conditions, regular repairs, pay for utilities, and so on. Therefore, the real estate insurance service is now very relevant.

Insurance is used to give confidence to property owners and provides compensation in the event of an insured event: fire, robbery, theft, destruction and exposure to other forces. You will learn from this article how to properly insure a house and how the procedure for insuring houses and cottages works.

Dear readers! Our articles talk about typical ways to resolve legal issues, but each case is unique.

If you want to find out how to solve your particular problem, please use the online consultant form on the right or call. It's fast and free!

What is insurance

Insurance is the relationship between the policyholder and the insurer to protect the property interests of individuals and legal entities upon the occurrence of certain events (insured events) at the expense of monetary (insurance) funds formed from insurance premiums paid by them.

The mentality of Russians is designed in such a way that extra expenses on top of already expensive real estate seem inappropriate to them . Insurance services are perceived as another way to extract funds from wallets. People in Russia are used to saving on insurance. Our fellow citizens’ favorite “carry away” is very popular.

Be that as it may, the figures show in practice: a high percentage of real estate continues to collapse and lose its functions due to natural incidents and the actions of intruders.

partially or fully eliminate the losses incurred with the help of property insurance . Having received a policy from an insurance company, you gain confidence, because if an insured event occurs, the company will cover your losses.

Before you insure your house or cottage against fire, you need to find out:

which insurance company to choose as an insurer;
what risks to insure property against;
Is it possible to get a discount on home fire insurance?

By studying these points in advance, it becomes possible to minimize costs and select an insurance package that is suitable for you .

It can be useful:

Rules and cost of gas supply to a private house

What is a housing inspection, its functions and powers

What is the cadastral value of a land plot made up of and how much does 1 hectare of land cost?

Where to insure - choosing an insurer

In essence, home insurance is one of the episodes of real estate insurance . In this regard, it is natural to note that a policy can be obtained from almost every insurance agency in the country, not counting companies with a narrow specialization that have one car insurance in their arsenal of services, for example.

Here are the main criteria you should pay attention to when choosing an insurance company :

the period of operation of the company is at least 5-10 years, this reduces the likelihood of losing money for the policy of the so-called one-day company;
amount of insurance payments - funds paid by the organization in insurance cases of its policyholders. These data are presented in the public domain on the company’s official website, as well as on the Internet resources of independent analysts;
recommendations - opinions of the company's clients. Pay attention not only to positive, but also to negative reviews. This will give you a broader understanding of the agency's work;
the reputation of the insurer is one of the main criteria; study the objective ratings of independent institutions;
product line . A property insurance company with a limited range of products may not be able to provide you with a suitable and cost-effective program. It’s great when it is possible to enable and disable some options based on the special characteristics of the insured object. Individual programs always have more advantages than general schemes.
informative interface - a sufficient number of staff contacts are provided, there is online consulting, a representative office of the company near your place of residence. If necessary, you will be able to establish contact with the manager even in a limited time.

Experts suggest initially considering proposals from reputable insurance companies that have been on the market for a long time - Rosgosstrakh, Ingosstrakh, Alfa-Strakhovanie and others.

What to insure against

Let's pay attention to the main point - what kind of danger are houses and cottages insured against ? The cost of the policy (insurance premium) and the insurance payment, which is paid upon the occurrence of an insured event, depend on the choice of certain risks.

Here are the most popular types of risks in real estate insurance :

burglary and theft are a fairly common problem when people live in a dacha exclusively in the summer. In winter, your country house is left unattended, which thieves can take advantage of.
natural and natural disasters - hurricanes, floods, tsunamis, river floods, hail, lightning, etc., undoubtedly pose a great danger to the safety of your possessions. It is very important, when studying the insurance contract, to carefully check the list of events included in your package. If there is a risk of collapse for the property, suppose, and this phenomenon is not specified in the agreement, then payments in this case are not due;
Fires are a particularly common type of insurance risk. After all, it is because of fire that residential and summer cottage areas are regularly lost, suddenly and through negligence;
Topsoil insurance is common in agricultural areas. During floods, the top fertile layer of the earth is often washed away, and then it will be very useful to receive compensation.

Note. The service applies to the entire property, as well as to certain independent elements of the building: finishing, household appliances, bath complex, outbuildings and load-bearing parts.

While considering the risk package, remember the most likely threats to your property and indicate them in the insurance contract .

How to properly insure your home

Without doubting the urgency of insurance services for your home, you will proceed to certain stages of the transaction. Let's consider the most optimal scheme for its implementation :

Choosing the right insurer.
Preparation of a package of documents . You can find the list on the insurance website or by calling the company.
Completing an application . It is possible both in the office and remotely, using a questionnaire or contact information to call a specialist.
Inspection of the object . Having agreed in advance, a company employee comes to the site for an inspection, calculation of costs, contributions, and the like. It is possible to insure a cottage or house without an inspection, but in this case the price of the service is significantly higher than the standard values. In addition, at the time of an insured event, doubts always arise whether there were certain damages initially, or whether they appeared after the incident. The likelihood of payment is jeopardized, and, as a rule, insurance companies resolve such disagreements in their favor.
Signing the agreement .
Re-read the contents of the contract several times. First of all, thoroughly check the list of risks against which the property is insured, as well as the results of the inspection of the property by a specialist. Example. The insurance agent found faulty electrical wiring. After a sudden fire in the insured house, the policyholder's damage was not compensated due to the recognition of his negligent attitude towards the property, which led to unpleasant consequences.
Payment of insurance premium and purchase of a policy . It is important to note that the policy sometimes begins to operate not from the moment the insurance contract is signed, but from the beginning of a new week, for example.

Taking out an insurance policy for a dacha is a simple procedure , but it will require significant time investment in preparation. It is advisable to plan a visit to the insurance company in advance.

Approximate prices for insurance services

The cost of insuring a private home in private companies, "RESO" and others, on average is 0.3-1% of the value of the property .

Example. When valuing suburban real estate at 500 thousand rubles. its insurance will cost no more than 5 thousand rubles. in year. At Rosgosstrakh, the cost of insuring a private home starts from 2,000 rubles.

There are loopholes for saving money when insuring property:

Study in more detail the list of risks contained in the policy. If the property is located far from bodies of water, then flood insurance will be inappropriate, and if, for example, there are no valuables in a country house, then property insurance against robbery is also not relevant for you;
Choose truly worthwhile objects and structures as insurance objects - load-bearing walls, expensive equipment, etc. A dilapidated barn and a far from new gazebo, even if they are lost during an insured event, are easily restored or even do not require restoration;
use a franchise. The insurance also provides the ability to determine the amount not subject to reimbursement. Let’s say the deductible is set at 20 thousand rubles, and the damage occurred at 50 thousand, then only 30 thousand out of 50 will be reimbursed. Moreover, the deductible significantly reduces the cost of the insurance policy;
take out insurance for your dacha for the winter period, because the rest of the time you stay there and look after your property.

Thus, there are options and opportunities for savings when taking out insurance .

Attention! The only thing you should definitely avoid when insuring property is underestimating the real value of the object. This is fraught with the fact that the payment made will ultimately be insufficient to restore the losses incurred.

In addition to the above circumstances, the amount of the insurance premium depends on :

degree of deterioration of the structure, quality of infrastructure;
building materials (insurance of a wooden house is always more expensive than a stone one);
availability of security systems, video surveillance;
age of the building;
cost of improvements.

Procedure for receiving insurance payment

The owner of the house would prefer not to use the policy received and keep the house intact and safe. But unforeseen circumstances are quite possible, and when a fire, flood or robbery occurs, this is a reason to contact the insurance company for payment .

We recommend that you do not delay contacting your insurer if an unpleasant incident occurs with your property. After all, some companies set a deadline within which it is necessary to resolve the situation. In addition, with the passage of time, it is more difficult to determine the causes and scale of the event.

It is advisable to call the appropriate authorities to monitor the situation and record the damage (police, gas workers, utilities, municipality, etc.). These services draw up an accident report, and you present it to the insurer.

Next, an application is submitted to the insurance company. Consideration of this application for payment takes more than one week . The insurance agent goes to the scene of the accident and assesses the amount of damage. Typically, an independent appraiser is hired for these purposes. The result of the appraiser’s work is the replacement cost determined by him.

It will be interesting:

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At this stage , it may be determined that the cause of the event does not appear in your list of risks , then a refusal of compensation is issued. The same happens when the assessment determines the intentional motives of the owner or simply careless attitude.

The result of the application will be the receipt of an insurance payment in an amount that can recreate the previous characteristics of the house, make the purchase of other property lost during the insured event, etc.

Remember that when applying a deductible, the insurance payment will be reduced by its amount , and the missing amount of funds will be compensated by the policyholder.

Attention! The insurance company only pays for losses incurred by the insured property. For example, a house is located on a plot, the house is insured, but the plot is not. After the flood, the walls and soil were damaged, the insurer compensates only for the restoration of the structure, but not the fertile layer. These costs are self-reimbursable.

conclusions

Insurance of your home and cottage ensures their quick restoration in case of theft, natural disasters, etc. The cost of insurance services is determined by the cost of the object itself and the set of selected insurance risks. There is also the possibility of saving by reducing the risk profile, using a deductible or taking out insurance for a specific season.

For example, to find out how much it costs to insure a private house against fire at Rosgosstrakh, you need to leave an application, which the company’s managers will process and then tell you the preliminary amount. Prices start at approximately 2,000 rubles per year.

Didn't find the answer to your question? Find out how to solve exactly your problem - call right now:

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Source: //101jurist.com/nedvizhimost/obsluzhivanie/kak-zastrahovat-dom-ili-dachu.html

"Rosgosstrakh" - Non-Insured Events for Apartments and Houses

The company will not compensate for damage in the following situations:

precipitation got onto the insured items and into the insured apartment through the roof or other openings, as well as through open doors, windows, through a balcony, loggia, terrace;
property has deteriorated due to natural processes, such as rotting, corrosion and other processes;
the property has defects;
the service life has expired;
the damage was caused as a result of a military operation, terrorist attack, civil war and other similar incidents;
damage may be compensated by the manufacturer's warranty.

Damage to property, its seizure, or confiscation by order of government agencies are also not considered insured events.

Questions and Answers on Property and Real Estate at Rosgosstrakh

The company's website has sections that contain answers to the most frequently asked questions about apartment and house .

A popular question about insuring a building in a garden partnership is whether it can be insured only on the basis of a garden book. The company’s specialists answer that it is possible if this document is properly executed: it contains complete information about the owner and is certified with the seal and signature of ST.

Clients also often ask whether it is necessary to enter into an agreement with a full set of risks. The insurer responds that the client can choose any combination of risks.

You can get advice on questions of interest by calling 0530 or 8 (800) 200-99-77 .

"Insurance Rosgosstrakh" – Policy Activation for Apartments and Houses

If insurance was purchased from Rosgosstrakh partners, it can be easily activated on the company’s website. To do this you need to know:

envelope number;
activation code;
date of purchase;
cost of the policy;
check number.

You also need to enter the name of the policyholder, his contact number, address and date of birth.

"Rosgosstrakh" - Insured Event in an Apartment and House, What to Do?

Regardless of the type of program purchased, when an insured event occurs, the algorithm of actions is the same:

Contact the responsible authorities and tell them what happened. For example, in case of an explosion, call the Ministry of Emergency Situations or the gas service, in case of a fire - in the department of the State Fire Service, in case of a flood - in the emergency service, DEZ, Housing Department, in case of theft - in law enforcement agencies.
Try, if possible, to stop the destruction of the insured property or reduce the damage caused to it.
Call Rosgosstrakh at 0553 or and report the event.
Preserve the appearance of the event, that is, do not move the damaged property, but leave it in the condition in which it found itself after the insured event occurred.

The next step is to collect documents to receive compensation. Try to keep it within 1 day.

You must submit the following kit:

statement;
passport;
agreement with Rosgosstrakh;
payment receipt;
documents confirming the policyholder's interest in preserving the property;

documents that reflect the fact of the incident. If there was a flood, then you need to obtain a flood certificate from the Housing Office or another housing service. It indicates when and for what reason the flooding occurred, as well as the person involved in this incident. A list of damages is attached to the report. In the event of an explosion, fire, or theft - a copy of the resolution to initiate (refuse to initiate) a criminal case. If the insured object was hit by a vehicle, you must request a certificate of an accident (form 154), a resolution to initiate or refuse to initiate an administrative violation case;
policy.

Let us dwell on the last point in more detail, because depending on the type of property, a different package of documents may be required.

Reviews about Property Insurance at Rosgosstrakh - Apartment and House

It is almost impossible to find positive reviews about property insurance in Rosgosstrakh. There are many more clients who are dissatisfied with the way they are treated after the occurrence of an insured event. For example, people complain that in order to receive a payment they are required to provide documents that do not exist at all.

Another client of the company was unable to obtain insurance because the case was considered uninsurable. And such conclusions are apparently unfounded. Some are not satisfied with the amount of compensation.

It is difficult to say what is the reason for such a negative attitude towards the company. In the 1st quarter of 2021, 3.1 billion rubles in compensation were paid for property insurance - this is 6th place in the Expert RA rating, while the level of payments is 58.8%, which is a good indicator. For comparison, Ingosstrakh has 30.5%, Alfa Insurance has 35.9%.

In what cases can insurance and benefits be denied?

The policy may not be issued:

if your house is old (usually over 50 years old) and is being destroyed (as there is a high risk of an insured event);
the building is in a risk zone with a probability of an insured event exceeding 99%;
if the policy already had several insurance precedents.

You will not receive insurance payments if:

the intentionality of your actions, which led to the occurrence of the insured event, will be established;
damage occurred as a result of events that are not specified in the contract;
facts will come to light that you did not interfere with the prevention of the insured event.

"Rosgosstrakh" - Is it worth buying a policy for an apartment and a house?

The most important reason to buy a policy is to save money and nerves. By insuring your property, you can avoid financial expenses in the following situations:

if the housing and the property that is located in it suffers from fire, theft, flooding and other reasons specified in the contract;
if the policyholder himself causes damage to the property of other people.

All material costs associated with repairing property, restoring documents, and resolving disputes will be borne by the insurance company.