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Insurance of property
It is impossible to anticipate all risks that may be subject to our property every day. Entrepreneur of the risks to their business, the landlord can not always prevent fraud in the process of selling. Officers, whose duties include strict adherence to the letter of the law, sometimes make mistakes ... Property Insurance to exist, in order to minimize the damage of bad events, avoid which we are powerless. All this is nothing like the harsh truth of life, and to unexpected situations is better to be prepared in advance.
In the USSR, property insurance rather enjoyed great popularity among the population. The choice of insurance products was not large, because a monopoly on the insurance business owned by the state. However, more than two thirds of citizens are regularly purchased property insurance policies. Public confidence in insurance companies has been greatly weakened after the collapse of the Union. Further, the adoption of legislative acts, the insurance business in Russia has been actively revived. The market appeared strong companies that provide services to property insurance, life, goods, etc.
Property insurance - the goals and objectives
All of us possess something - an apartment, house, cottage. Happy owner of the property, unfortunately, rarely think about the fact that once an absurd set of circumstances can be measured at once to destroy the life, future plans, long deprived of sleep and rest. Property insurance is certainly not a magic magic wand. But if there is damage or complete loss of the insured apartments, houses and all that they were - the policyholder will receive the insurance indemnity. Today, there are a variety of insurance programs of the property. The owner may choose the one that suits him.
In most cases, an apartment or house - this is the most expensive, than has the average Russian. Property threatened by a number of adverse factors: fire, flood, theft. If the apartment is on the floor - who can guarantee that one day you do not flood the neighbors, or they will not light wiring, gas leaks will not happen, and so on? Coveted property insurance policy will guard your interests 24 hours a day.
Property insurance - types of programs
Property insurance includes property insurance and personal property. That include these concepts? Insuring a house, apartment, cottage, Combining - we insure the wall construction, decoration and engineering services. The contents of our properties, "filling" our housing relates to personal property insurance. This is a collection of antiques and antiquities, furniture, clothes and shoes, furs, video and audio equipment, precious metals and jewelry. It also includes elements of an expensive decoration: moldings, inlays, etc.
Property Insurance is now one of the priorities of the insurance companies. In this area, they are designed as mass products and special offers. Insure your property and personal property can be both long term and for a period of short-term absence (business trip, vacation, etc.). Property insurance includes this proposal as liability insurance. If you accidentally find yourself responsible for flooding of neighbors or fire caused by faulty electrical wiring, - that you have appropriate insurance eliminates the need to repair the damage from his own pocket.
The most popular types of property insurance are the following:
- Insurance of apartments;
- Insurance of a country house or villa (including outbuildings, bath, garage, etc.);
- Civil liability insurance (term broad enough to include including professional liability of notaries, realtors, doctors, etc.).