{"id":85369,"date":"2017-10-27T10:03:50","date_gmt":"2017-10-27T09:03:50","guid":{"rendered":"https:\/\/nase-domy.cz\/?p=85369"},"modified":"2019-01-27T22:19:37","modified_gmt":"2019-01-27T21:19:37","slug":"nepodcenujte-pojisteni-sveho-domu","status":"publish","type":"post","link":"https:\/\/nase-domy.cz\/nepodcenujte-pojisteni-sveho-domu\/","title":{"rendered":"Nepodce\u0148ujte poji\u0161t\u011bn\u00ed sv\u00e9ho domu!"},"content":{"rendered":"

Domov je to nejd\u016fle\u017eit\u011bj\u0161\u00ed co m\u00e1me. Je to z\u00e1kladna pro n\u00e1\u0161 odpo\u010dinek, soukrom\u00ed, rodinu i bezpe\u010d\u00ed. V\u017edy ale mohou nastat ne\u010dekan\u00e9 ud\u00e1losti, kter\u00e9 zas\u00e1hnou do na\u0161\u00ed dom\u00e1cnosti, a je d\u016fle\u017eit\u00e9 b\u00fdt na takovou situaci dob\u0159e p\u0159ipraven\u00ed. U\u0161et\u0159\u00edte tak nejen za vznikl\u00e9 \u0161kody, ale p\u0159edejdete i finan\u010dn\u00ed ztr\u00e1t\u011b v\u00a0p\u0159\u00edpad\u011b vloup\u00e1n\u00ed, vlivu po\u010das\u00ed nebo ne\u00famysln\u00e9 chyby souseda. S\u00a0poji\u0161t\u011bn\u00edm m\u016f\u017eete z\u00edskat n\u00e1hradu vznikl\u00e9 \u0161kody a alespo\u0148 \u010d\u00e1ste\u010dn\u00fd n\u00e1vrat investic. Vyberte si jednu z 3 variant.<\/em><\/p>\n

Poji\u0161t\u011bn\u00ed nemovitosti<\/h2>\n

Poji\u0161t\u011bn\u00ed nemovitosti<\/a> by m\u011blo b\u00fdt v\u00a0dne\u0161n\u00ed dob\u011b ji\u017e samoz\u0159ejmost\u00ed. Nikdy nem\u016f\u017eete v\u011bd\u011bt, co se m\u016f\u017ee st\u00e1t a nav\u00edc z\u00edsk\u00e1te dokonce i poji\u0161t\u011bn\u00ed ob\u010dansk\u00e9 odpov\u011bdnosti, co\u017e se v\u00a0mnoha p\u0159\u00edpadech vypl\u00e1c\u00ed (v\u00edce o t\u00e9to pojistce zde<\/a>). Pojistn\u00e1 \u010d\u00e1stka se v\u00a0tomto p\u0159\u00edpad\u011b navrhuje pau\u0161\u00e1ln\u011b podle rozm\u011br\u016f obytn\u00e9 plochy a pojistit se d\u00e1 nejenom rodinn\u00fd d\u016fm ale nap\u0159\u00edklad i rekrea\u010dn\u00ed stavba. Mus\u00edte m\u00edt v\u0161ak nemovitost v\u00a0osobn\u00edm vlastnictv\u00ed, kde m\u00e1te trval\u00fd pobyt a kterou ob\u00fdv\u00e1te nejm\u00e9n\u011b 270 dn\u00ed v\u00a0roce. Jako bonus pak z\u00edsk\u00e1te nonstop asisten\u010dn\u00ed slu\u017ebu zcela zdarma.<\/p>\n

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Poji\u0161t\u011bn\u00ed dom\u00e1cnosti a majetku<\/h2>\n

P\u0159i poji\u0161t\u011bn\u00ed dom\u00e1cnosti i majetku se nemus\u00edte b\u00e1t zlod\u011bj\u016f, \u017eivl\u016f ani vlastn\u00edch chyb. Zat\u00edmco poji\u0161t\u011bn\u00ed nemovitosti pokr\u00fdv\u00e1 \u0161kody zp\u016fsoben\u00e9 na nemovitosti jako takov\u00e9, poji\u0161t\u011bn\u00ed majetku<\/a> a dom\u00e1cnosti se vztahuje na ve\u0161ker\u00e9 vybaven\u00ed a cennosti, kter\u00e9 se doma vyskytuj\u00ed. V\u00a0\u00favahu se bere tak\u00e9 lokalita, kde se tato nemovitost nach\u00e1z\u00ed a pojistit si m\u016f\u017eete dokonce i dom\u00e1c\u00ed zv\u00ed\u0159ata. V\u00fdsledn\u00e1 \u010d\u00e1stka se pak propl\u00e1c\u00ed v\u00a0z\u00e1vislosti na pojistn\u00fdch limitech, kter\u00e9 si vol\u00edte p\u0159i samotn\u00e9m sjedn\u00e1v\u00e1n\u00ed poji\u0161t\u011bn\u00ed. Poji\u0161t\u011bn\u00ed majetku je kombinac\u00ed poji\u0161t\u011bn\u00ed nemovitosti a dom\u00e1cnosti. M\u00e1 nej\u0161ir\u0161\u00ed rozsah kryt\u00ed, a proto je i nejobl\u00edben\u011bj\u0161\u00ed volbou.<\/p>\n

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Poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/h2>\n

Poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/a> m\u016f\u017eete z\u00edskat jako sou\u010d\u00e1st jin\u00e9ho poji\u0161t\u011bn\u00ed nebo si ho sjednat zvl\u00e1\u0161\u0165. Vztahuje se na va\u0161i odpov\u011bdnost \u2013 na \u0161kody, kter\u00e9 zp\u016fsob\u00edte va\u0161im ne\u00famysln\u00fdm p\u0159i\u010din\u011bn\u00edm. Dal\u0161\u00ed velkou v\u00fdhodou je celosv\u011btov\u00e1 platnost a vztahuje se na v\u00e1s i v\u00a0p\u0159\u00edpad\u011b pobytu v\u00a0zahrani\u010d\u00ed. V\u00edce se o n\u011bm dozv\u00edte v\u00a0tomto<\/a> \u010dl\u00e1nku.<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Domov je to nejd\u016fle\u017eit\u011bj\u0161\u00ed co m\u00e1me. Je to z\u00e1kladna pro n\u00e1\u0161 odpo\u010dinek, soukrom\u00ed, rodinu i bezpe\u010d\u00ed. V\u017edy ale mohou nastat ne\u010dekan\u00e9 ud\u00e1losti, kter\u00e9 zas\u00e1hnou do na\u0161\u00ed dom\u00e1cnosti, a je d\u016fle\u017eit\u00e9 b\u00fdt na takovou situaci dob\u0159e p\u0159ipraven\u00ed. U\u0161et\u0159\u00edte tak nejen za vznikl\u00e9 \u0161kody, ale p\u0159edejdete i finan\u010dn\u00ed ztr\u00e1t\u011b v\u00a0p\u0159\u00edpad\u011b vloup\u00e1n\u00ed, vlivu po\u010das\u00ed nebo ne\u00famysln\u00e9 chyby souseda. S\u00a0poji\u0161t\u011bn\u00edm m\u016f\u017eete z\u00edskat n\u00e1hradu vznikl\u00e9 \u0161kody a alespo\u0148 \u010d\u00e1ste\u010dn\u00fd n\u00e1vrat investic. Vyberte si jednu z 3 variant. Poji\u0161t\u011bn\u00ed nemovitosti Poji\u0161t\u011bn\u00ed nemovitosti by m\u011blo b\u00fdt v\u00a0dne\u0161n\u00ed dob\u011b ji\u017e samoz\u0159ejmost\u00ed. Nikdy nem\u016f\u017eete v\u011bd\u011bt, co se m\u016f\u017ee st\u00e1t…<\/p>\n","protected":false},"author":1,"featured_media":85372,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[360],"class_list":["post-85369","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zpravy","tag-pojisteni-odpovednosti"],"gutentor_comment":0,"_links":{"self":[{"href":"https:\/\/nase-domy.cz\/wp-json\/wp\/v2\/posts\/85369","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nase-domy.cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nase-domy.cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nase-domy.cz\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nase-domy.cz\/wp-json\/wp\/v2\/comments?post=85369"}],"version-history":[{"count":0,"href":"https:\/\/nase-domy.cz\/wp-json\/wp\/v2\/posts\/85369\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nase-domy.cz\/wp-json\/wp\/v2\/media\/85372"}],"wp:attachment":[{"href":"https:\/\/nase-domy.cz\/wp-json\/wp\/v2\/media?parent=85369"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nase-domy.cz\/wp-json\/wp\/v2\/categories?post=85369"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nase-domy.cz\/wp-json\/wp\/v2\/tags?post=85369"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}