Conditions for insuring an apartment in Rosgosstrakh: features, how much it costs and what documents are needed to conclude an agreement?

Types of insurance risks

Insurance risks are unfavorable combinations of circumstances that negatively affect the insured property and personal belongings of the owner. Rosgosstrakh offers several options for insurance risks for the most comfortable protection of property:

1. Fire and its consequences. If the damage was caused as a result of the fire brigade extinguishing the flame, or as a result of the burning of the object, then these cases fall under insurance coverage.
2. Explosion. The entire residential complex, or individual elements of the insured property. Additionally, insurance provides protection against the negative impact of fragments and other objects that were formed during the explosion.
3. An accident that results in damage to property on the insured property is included in the insurance program.
4. Flood insurance. The most common case of flooding of neighbors is a break in water pipes due to critical water pressure. Sometimes the cause is a malfunction after the end of the heating season, when the heating system undergoes sudden seasonal changes.

Attention! Additionally, you can insure civil liability, for example, compensation for damage for flooding of neighbors under insurance for neighbors from flooding by the tenant above.

5. Collision of vehicles. Relevant for residents of the first floors and private houses.
6. Lightning strike. A direct hit by an electric charge or the consequences of an impact on neighboring objects (for example, a fire in a residential building due to a lightning strike in an extension next to the property).
7. Natural phenomena. All types of hurricanes, floods, consequences of snow melting and melting, temperature fluctuations and other dangerous natural phenomena are included.
8. Falling objects (meteorites, for example).
9. Illegal actions of third parties , with the exception of cases of military intervention and terrorist actions. This could be burglary, robbery, vandalism.
10. Civil responsibility. If damage to the health or property of third parties occurs, the client receives a payment from the insurance company to cover expenses to neighbors and other victims.

Country property insurance programs

To insure a home or cottage, IC Rosgosstrakh offers its clients two programs.

"Rosgosstrakh-dom "Active"

The program is designed to insure standard private houses located in villages, villages, gardening associations and cottage communities. The program includes compensation for losses incurred as a result of the following insured events:

• bay;
• fire;
• accident;
• explosion;
• lightning strike;
• collision of a vehicle with an insurance object;
• falling foreign objects;
• natural disaster (tornado, hurricane, typhoon, heavy snow, hail, flood, earthquake, landslide, flood, tsunami, avalanche);
• damage to the insured object resulting from illegal actions of third parties (theft, robbery, robbery).

The validity period of the insurance contract under this program is 1 year.

"Rosgosstrakh-dom "Prestige"

The program is designed to insure private houses with individual design and architectural solutions, and guarantees coverage of insurance risks provided for by the previous program. The contract for this insurance product can be concluded for either 1 year or a short-term period.

Programs

The insurer offers 3 options for protecting apartments. Table - apartment insurance at Rosgosstrakh:

Only the “Asset Fixed” policy is available for registration online, with a choice of protection parameters and coverage amount. Other policies can be purchased at Rosgosstrakh offices and through the Contact Center.

What is the price?

How much does it cost to insure an apartment? Clients can find out the cost of insurance online on the insurance company’s website. The insurance premium calculation process takes no more than 5 minutes. The calculation is carried out on the page after clicking on the following links:

• “Individuals”;
• "Property";
• "Apartment insurance";
• "Calculator".

Example of policy calculation: 1-room apartment in Voronezh.

1. Select a city – enter “Voronezh” in the input line. The system will display the option “Voronezh, Voronezh region”, you must click on the value (otherwise an error message will appear).
2. Number of rooms: 1, 2, 3 or more (1 is for example). Click "Calculate".
3. The choice of program includes insurance risks.

REFERENCE! It is allowed to delete parameters that the client does not want to insure and adjust the amount of insurance (affects the reduction in cost). The larger the amount of coverage, the higher the cost of the policy.

Included risks of Rosgosstrakh are fire, flood, theft. The policyholder chooses which parameters to include in the policy: interior decoration, household contents, civil liability. At each item there is a size of coverage to choose from.

For example, leave all 3 types, with a minimum amount of coverage for each of them (by default, a total of 202.5 thousand rubles, this is the approximate price of insuring an apartment). The cost of the policy will be 1900 rubles.

Conditions

The basic insurance rules are indicated on the official website of Rosgosstrakh . They include:

1. interests of the parties: what and how the policyholder can demand in relation to the insurer, the responsibilities of clients when concluding an insurance contract, etc.;
2. conditions for providing insurance coverage;
3. procedure for resolving conflicts in the event of an insured event;
4. conditions under which the contract cannot be concluded;
5. other rules and features of provision.

What documents are needed?

When applying for an insurance policy online, the client provides all the data independently; in this case, there is no need to submit supporting documents. What documents are needed? When purchasing a policy at the company's office, you are required to have a document confirming the identity of the policyholder and information about the apartment.

If the beneficiary and the policyholder are not the same person, it is recommended to have a certificate confirming ownership of the apartment. If the client is unable to provide a certificate, it must be presented when an insured event occurs. No inspection of the apartment is required.

Fill out the application

Filling out the application online takes no more than 3 minutes. Required data:

1. Calculation. The location of the residential property and the number of rooms in the apartment.
2. Selecting a program. What risks are included in the contract and the amount of insurance coverage.
3. Shipping and payment. Here you enter information about the policyholder and the address of the insured object.
4. Obtaining a policy. Description of payment principles (with the ability to make payment online) and instructions for obtaining insurance.

Where should I submit my papers?

Insurance at Rosgosstrakh requires a minimum set of documents: the policyholder’s passport and property data. But on the insurer’s website there is information that it is recommended to have a certificate of ownership when applying for a policy.

REFERENCE! Online registration does not require the submission of any documents other than the data provided by the policyholder himself.

When an insured event occurs, the presence of documents confirming the right to use the property is mandatory. It is allowed to purchase a policy in favor of a third party if the address of the insured object is available.

How much does a structural insurance policy cost?

We looked at what the structural elements of an apartment are, what type of insurance it is, and how it works. The key question for everyone is how much this service costs. We are talking about the complete loss of property or severe damage to it, so the price of the policy will be rather high.

The cost of the service directly depends on the amount insured, which can be:

1. For a mortgage, the remaining amount of debt owed to the bank. That is, every year it decreases, the cost of the policy decreases.
2. With standard insurance of a structure without a mortgage, the insured amount is the price of the apartment or another amount stipulated by the contract, for example, 3,000,000 rubles.

The insured amount is the amount of compensation upon the occurrence of an insured event. If the property is partially lost, then an assessment of the damage is made.

For example, consider the tariffs for this service from the insurance company VSK:

• apartment. If only the structural elements of the apartment are protected - 0.15% of the insured amount. If standard finishing is additionally insured - 0.25%. If high-quality finishing and equipment - 0.35%;
• house. Protection of the structure only - 0.4%, with standard finishing - 0.6%, with high-quality finishing and equipment - 0.8%. If the house has wooden floors, the fee increases by 0.1 point;
• land plots - 0.1%.

As you can see, home insurance is more expensive, which is logical - they carry more risks. In addition, insurers can apply increasing and decreasing coefficients when calculating the price of a service. For example, if a house is located near a river, it will obviously have more risks.

As a result, it turns out that if the insured amount is 3,000,000 rubles, then protecting only the structure with a fee of 0.15% will cost the owner 4,500 rubles. In general, the fee cannot be called categorically large.

When taking out a mortgage, only the structural elements of the apartment are usually insured, but some banks sell policies that also protect the finishing. If the borrower does not need this, he has the right to refuse extended protection. Of course, banks are interested in selling the policy at a higher price, but only structural protection will be mandatory.

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Duration of the contract

The standard validity period of property protection policies at Rosgosstrakh is 1 year + 30 days . An exception is the purchase of the “Prestige” insurance product with the possibility of obtaining insurance for a period of 6 months or more.

From what moment does the policy begin to take effect: when purchasing an insurance product, the Insurer begins to bear responsibility under the contract for the provision of services after 30 days from the date of purchase. Activation of a policy purchased at the company's offices, on the official website or by calling 0530 occurs the next day after payment of the insurance premium.

The process of crediting funds in the form of an insurance premium usually takes no more than a day. If the funds deposited by the policyholder are credited to the account later than the day following the date of purchase (as reflected in the payment receipt), they will still not affect the policy activation process.

We have additional materials about insurance in such companies as SPJSC RESO-Garantiya, Alfastrakhovanie, VTB-24, Sberbank. Also read about the features of insurance for an apartment purchase and sale transaction.

Advantages of property insurance at Rosgosstrakh

According to data for 2015, IC Rosgosstrakh collected 2,634 thousand rubles. insurance premiums and paid 6,137 thousand rubles. compensation in the property insurance segment. The payout ratio was 232.99%, which indicates the company's readiness to make payments for insured events.

The authorized capital of IC Rosgosstrakh is 18.58 billion rubles, and the company’s reliability rating is assessed by the Expert RA agency as exceptionally high “A++” with a stable forecast. The company's financial obligations are guaranteed by leading reinsurance organizations, including Gen Re, Swiss Re, Munich Re, Partner Re, XL Re Europe Limited.

Termination rules

If dissatisfied with the insurer's services, the client can terminate the insurance contract and return part of the premium paid. To terminate the contract, you must have identification documents confirming the purchase and payment of the policy, as well as bank account details for a refund; these are the rules for canceling the contract.

The payment is made minus the days during which the company provided the insurance conditions. Example – the contract was concluded for a period of 1 year. The client terminates the insurance 27 days from the date of conclusion.

The insurance company will refund the premium for the unused insurance period (365-27=338).

Rosgosstrakh has been providing insurance services to citizens of the Russian Federation for more than 10 years . The policy can be purchased at the company's branches, by calling the Hotline and on the insurer's website.

It is possible to obtain insurance for an apartment if you have a passport and the address of the residential property. The amount of coverage, risks and additional services is at the client’s choice.