{"id":86895,"date":"2020-07-26T19:07:44","date_gmt":"2020-07-26T18:07:44","guid":{"rendered":"https:\/\/www.nase-domy.cz\/?p=86895"},"modified":"2022-07-11T18:15:09","modified_gmt":"2022-07-11T17:15:09","slug":"kyrill-eberhard-sabine-co-jeste-musi-prijit-abyste-si-kvalitne-pojistili-domov","status":"publish","type":"post","link":"https:\/\/nase-domy.cz\/?p=86895","title":{"rendered":"Kyrill, Eberhard, Sabine. Co je\u0161t\u011b mus\u00ed p\u0159ij\u00edt, abyste si kvalitn\u011b pojistili domov?"},"content":{"rendered":"\n

Zd\u00e1 se, \u017ee jsou \u010ce\u0161i nepou\u010diteln\u00ed. V posledn\u00edch letech n\u011bkolik ork\u00e1n\u016f, bou\u0159\u00ed nebo krupobit\u00ed nap\u00e1chalo \u0161kody v des\u00edtk\u00e1ch miliard, p\u0159esto tak\u0159ka 40 % nemovitost\u00ed nen\u00ed poji\u0161t\u011bno zcela, dal\u0161\u00ed \u010d\u00e1st sice sjednanou pojistku m\u00e1, nen\u00ed v\u0161ak aktu\u00e1ln\u00ed. Nem\u00e1lo si sjednalo pojistku chybn\u011b uveden\u00edm \u0161patn\u00fdch nebo neaktu\u00e1ln\u00edch \u00fadaj\u016f, p\u0159\u00edpadn\u011b volbou nespr\u00e1vn\u00e9ho produktu, podm\u00ednek nebo pojistn\u00e9 v\u00fd\u0161e. Jak\u00e9 poji\u0161t\u011bn\u00ed vybrat, abyste byli i b\u011bhem mimo\u0159\u00e1dn\u00fdch p\u0159\u00edrodn\u00edch ud\u00e1lost\u00ed v klidu a ji\u0161t\u011bni dobrou poji\u0161\u0165ovnou?<\/em><\/p>\n\n\n\n

Ochra\u0148te sv\u016fj majetek<\/h2>\n\n\n\n

A\u017e p\u0159i n\u011bjak\u00e9 nenad\u00e1l\u00e9 ud\u00e1losti nebo p\u0159\u00edrodn\u00ed katastrof\u011b se zjist\u00ed, jak kvalitn\u00ed poji\u0161t\u011bn\u00ed m\u00e1te. Tedy, kdy\u017e ho v\u016fbec m\u00e1te a nepat\u0159\u00edte mezi skupinu nepoji\u0161t\u011bn\u00fdch. Majetkov\u00e9 poji\u0161t\u011bn\u00ed<\/a> chr\u00e1n\u00ed nemovitost jako takovou, dom\u00e1cnost, p\u0159\u00edpadn\u011b si m\u016f\u017eete prodlou\u017eit z\u00e1ruku u drah\u00fdch elektrospot\u0159ebi\u010d\u016f nebo pojistit drahou elektroniku proti po\u0161kozen\u00ed a odcizen\u00ed. Z\u00e1kladn\u00ed jsou v\u0161ak poji\u0161t\u011bn\u00ed nemovitosti nebo dom\u00e1cnosti, u kter\u00fdch \u010dasto doch\u00e1z\u00ed k z\u00e1m\u011bn\u011b.<\/p>\n\n\n\n

Nemovitost vs. dom\u00e1cnost<\/h2>\n\n\n\n

Jeden produkt toti\u017e kryje \u0161kody nap\u00e1chan\u00e9 na nemovitosti, tou se rozum\u00ed stavebn\u00ed a pevn\u00e9 sou\u010d\u00e1sti se stavbou spojen\u00e9. Naproti tomu poji\u0161t\u011bn\u00ed pro dom\u00e1cnosti<\/a> se t\u00fdk\u00e1 v\u0161eho, co je uvnit\u0159 v\u010detn\u011b vybaven\u00ed, n\u00e1bytku, oble\u010den\u00ed, osobn\u00edch nebo sportovn\u00edch v\u011bc\u00ed. Pro v\u011bt\u0161\u00ed n\u00e1zornost si p\u0159edstavte, \u017ee prvn\u00ed pojistka kryje v krabici v\u0161e, co p\u0159i jej\u00edm oto\u010den\u00ed nespadne, ta druh\u00e1 v\u0161e, co spadne. Velkou v\u00fdhodou n\u011bkter\u00fdch pojistek je komplexn\u00ed poji\u0161t\u011bn\u00ed sjednan\u00e9 pouze na z\u00e1klad\u011b v\u00fdm\u011bry v m\u00b2. Takov\u00e9 poji\u0161t\u011bn\u00ed lze sjednat dokonce online<\/a> a je v\u010detn\u011b poji\u0161t\u011bn\u00ed odpov\u011bdnosti.<\/p>\n\n\n

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\"\"<\/figure>\n<\/div>\n\n\n

P\u0159\u00edpad praskl\u00e9 hadi\u010dky u my\u010dky<\/h2>\n\n\n\n

A to se v\u00e1m bude hodit v\u00a0p\u0159\u00edpad\u011b \u0161kod, kter\u00e9 nast\u00e1vaj\u00ed statisticky nej\u010dast\u011bji. Jedn\u00e1 se o vodovodn\u00ed hav\u00e1rie, u kter\u00fdch se rok od roku zvy\u0161uje nejen v\u00fd\u0161e \u0161kod, ale tak\u00e9 \u010detnost. Je to d\u00e1no vinou \u0161patn\u00fdch materi\u00e1l\u016f, ale i nedostate\u010dn\u00e9 kontroly v\u0161ech p\u0159\u00edvodn\u00edch hadi\u010dek a trubek. Poji\u0161t\u011bn\u00ed odpov\u011bdnosti se v\u00e1m v\u0161ak bude hodit i p\u0159i dal\u0161\u00edch pot\u00ed\u017e\u00edch, kter\u00e9 mohou nastat v\u00a0b\u011b\u017en\u00e9m \u017eivot\u011b. Nav\u00edc poji\u0161t\u011bn\u00ed se vztahuje na v\u0161echny \u010dleny dom\u00e1cnosti a m\u00e1 dokonce celosv\u011btovou platnost, m\u016f\u017eete tak b\u00fdt v\u00a0klidu i na dovolen\u00e9.<\/p>\n\n\n\n

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Boj\u00edte se o sv\u016fj domov? Pak nev\u00e1hejte a sjednejte si poji\u0161t\u011bn\u00ed majetku<\/a>.<\/p>\n\n\n\n

\n","protected":false},"excerpt":{"rendered":"

Zd\u00e1 se, \u017ee jsou \u010ce\u0161i nepou\u010diteln\u00ed. V posledn\u00edch letech n\u011bkolik ork\u00e1n\u016f, bou\u0159\u00ed nebo krupobit\u00ed nap\u00e1chalo \u0161kody v des\u00edtk\u00e1ch miliard, p\u0159esto tak\u0159ka 40 % nemovitost\u00ed nen\u00ed poji\u0161t\u011bno zcela, dal\u0161\u00ed \u010d\u00e1st sice sjednanou pojistku m\u00e1, nen\u00ed v\u0161ak aktu\u00e1ln\u00ed. Nem\u00e1lo si sjednalo pojistku chybn\u011b uveden\u00edm \u0161patn\u00fdch nebo neaktu\u00e1ln\u00edch \u00fadaj\u016f, p\u0159\u00edpadn\u011b volbou nespr\u00e1vn\u00e9ho produktu, podm\u00ednek nebo pojistn\u00e9 v\u00fd\u0161e. Jak\u00e9 poji\u0161t\u011bn\u00ed vybrat, abyste byli i b\u011bhem mimo\u0159\u00e1dn\u00fdch p\u0159\u00edrodn\u00edch ud\u00e1lost\u00ed v klidu a ji\u0161t\u011bni dobrou poji\u0161\u0165ovnou? Ochra\u0148te sv\u016fj majetek A\u017e p\u0159i n\u011bjak\u00e9 nenad\u00e1l\u00e9 ud\u00e1losti nebo p\u0159\u00edrodn\u00ed katastrof\u011b se zjist\u00ed, jak kvalitn\u00ed poji\u0161t\u011bn\u00ed m\u00e1te. Tedy, kdy\u017e ho v\u016fbec m\u00e1te a…<\/p>\n","protected":false},"author":1,"featured_media":86897,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[609],"tags":[],"class_list":["post-86895","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t