{"id":11510,"date":"2026-10-13T15:32:43","date_gmt":"2026-10-13T13:32:43","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=11510"},"modified":"2026-10-13T15:32:45","modified_gmt":"2026-10-13T13:32:45","slug":"poistenie-prenajimaneho-bytu-na-co-by-mal-mysliet-majitel-aj-najomca","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/poistenie-prenajimaneho-bytu-na-co-by-mal-mysliet-majitel-aj-najomca\/","title":{"rendered":"Poistenie prenaj\u00edman\u00e9ho bytu: Na \u010do by mal myslie\u0165 majite\u013e aj n\u00e1jomca"},"content":{"rendered":"\n<p><strong>Pren\u00e1jom bytu prin\u00e1\u0161a rizik\u00e1 pre majite\u013ea aj pre n\u00e1jomcu. Vytopen\u00ed susedia, zadymen\u00fd byt po po\u017eiari \u010di nehnute\u013enos\u0165, ktor\u00fa po nehode nemo\u017eno nieko\u013eko mesiacov ob\u00fdva\u0165, m\u00f4\u017eu by\u0165 drahou z\u00e1le\u017eitos\u0165ou pre obe strany. Mnoh\u00e9 z t\u00fdchto riz\u00edk sa v\u0161ak daj\u00fa poisti\u0165. Porad\u00edme v\u00e1m, na \u010do nezabudn\u00fa\u0165 pri poisten\u00ed prenaj\u00edman\u00e9ho bytu, \u010di u\u017e ho prenaj\u00edmate, alebo v \u0148om b\u00fdvate.<\/strong><\/p>\n\n\n\n<p>Z\u00e1kladom bezpe\u010dn\u00e9ho b\u00fdvania je <a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\">poistenie nehnute\u013enosti a dom\u00e1cnosti<\/a>, na ktor\u00e9 by mal myslie\u0165 ka\u017ed\u00fd majite\u013e nehnute\u013enosti. To v\u0161ak nie je v\u0161etko. Pri poisten\u00ed prenaj\u00edman\u00e9ho bytu treba myslie\u0165 aj na \u0161pecifick\u00e9 rizik\u00e1. Ide najm\u00e4 o \u0161kody, ktor\u00e9 n\u00e1jomca nechtiac sp\u00f4sob\u00ed na majetku majite\u013ea \u010di susedov, a o v\u00fdpadok pr\u00edjmu z n\u00e1jmu, ak sa byt po poistnej udalosti stane neob\u00fdvate\u013en\u00fdm.<\/p>\n\n\n\n<h2><a>Bez poistky m\u00f4\u017ee na \u0161kodu doplati\u0165 n\u00e1jomca<\/a><\/h2>\n\n\n\n<p>\u010co sa stane ak po\u010das n\u00e1jmu d\u00f4jde k vytopeniu, zadymeniu alebo inej poistnej udalosti, ktor\u00fa nechtiac sp\u00f4sob\u00ed n\u00e1jomca? Ak m\u00e1 majite\u013e svoju nehnute\u013enos\u0165 poisten\u00fa, tak o peniaze nepr\u00edde. \u0160kodu jednoducho nahl\u00e1si svojej pois\u0165ovni a t\u00e1 mu ju uhrad\u00ed.<\/p>\n\n\n\n<p>Pois\u0165ov\u0148a si v\u0161ak vyplaten\u00fa sumu n\u00e1sledne vym\u00e1ha od n\u00e1jomcu. Ak ten nem\u00e1 uzavret\u00e9 poistenie zodpovednosti, cel\u00fa \u0161kodu zaplat\u00ed z vlastn\u00e9ho vrecka.<\/p>\n\n\n\n<p>Zodpovednos\u0165 n\u00e1jomcu za \u0161kody na prenajatom byte poistka prenaj\u00edmate\u013ea zv\u00e4\u010d\u0161a nekryje. Treba ju dojedna\u0165 osobitne, bu\u010f ako pripoistenie k poisteniu prenaj\u00edmate\u013ea, alebo vlastnou poistkou n\u00e1jomcu. Niekedy ju prenaj\u00edmate\u013e vy\u017eaduje priamo v n\u00e1jomnej zmluve.<\/p>\n\n\n\n<p><strong>PR\u00cdKLAD:<\/strong> N\u00e1jomca si nap\u00fa\u0161\u0165a va\u0148u, odbehne k telef\u00f3nu a na vodu zabudne. T\u00e1 po\u0161kod\u00ed podlahu, omietky aj kuchynsk\u00fa linku. Pois\u0165ov\u0148a prenaj\u00edmate\u013ea \u0161kodu uhrad\u00ed, no vyplaten\u00fa sumu si n\u00e1sledne vyp\u00fdta od n\u00e1jomcu. Ak nem\u00e1 vlastn\u00e9 poistenie zodpovednosti, m\u00f4\u017ee ho tak\u00e1to nepozornos\u0165 st\u00e1\u0165 tis\u00edce eur.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=majetok_gif\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/05\/kakulacka-poistenie-majetku-fingo-2.gif\" alt=\"\" class=\"wp-image-7438\"\/><\/a><\/figure>\n\n\n\n<h2><a>\u010co ak n\u00e1jomca vytop\u00ed susedov?<\/a><\/h2>\n\n\n\n<p>Inak je to pri \u0161kod\u00e1ch u susedov, napr\u00edklad ke\u010f n\u00e1jomca vytop\u00ed byty pod sebou alebo sp\u00f4sob\u00ed po\u017eiar, ktor\u00fd sa roz\u0161\u00edri \u010falej. Zodpovednos\u0165 n\u00e1jomcu a \u013eud\u00ed, ktor\u00ed s n\u00edm b\u00fdvaj\u00fa, vo\u010di susedom u\u017e b\u00fdva s\u00fa\u010das\u0165ou v\u00e4\u010d\u0161iny poistiek b\u00fdvania, ktor\u00e9 si uzatv\u00e1ra prenaj\u00edmate\u013e.<\/p>\n\n\n\n<p>Ak je n\u00e1jomca zodpovedn\u00fd za rozsiahlu \u0161kodu u susedov, napr\u00edklad pri po\u017eiari, po\u0161koden\u00fd sused si ju m\u00f4\u017ee uplatni\u0165 vo svojej pois\u0165ovni. T\u00e1 n\u00e1sledne \u0161kodu vym\u00e1ha z poistenia zodpovednosti vlastn\u00edka alebo n\u00e1jomcu bytu \u010di domu, ktor\u00fd ju sp\u00f4sobil.<\/p>\n\n\n\n<p><strong>TIP:<\/strong> Ak prenaj\u00edmate byt, overte si v poistnej zmluve, \u010di sa poistenie zodpovednosti vz\u0165ahuje aj na n\u00e1jomcu a osoby, ktor\u00e9 s n\u00edm b\u00fdvaj\u00fa, a \u010di je limit poistn\u00e9ho plnenia dostato\u010dne vysok\u00fd.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia-ci-naburane-firemne-autoochrani-vas-poistenie-zodpovednosti-za-skodu\/\"><strong><em>Ako funguje poistenie zodpovednosti za \u0161kodu, sa do\u010d\u00edtate aj v tomto \u010dl\u00e1nku.<\/em><\/strong><\/a><\/p>\n\n\n\n<h2><a>Vlastn\u00e9 veci si n\u00e1jomca mus\u00ed poisti\u0165 s\u00e1m<\/a><\/h2>\n\n\n\n<p>Vlastn\u00fa poistku dom\u00e1cnosti by mal n\u00e1jomca zv\u00e1\u017ei\u0165 vtedy, ak si prenajal nezariaden\u00fd byt a n\u00e1bytok \u010di spotrebi\u010de s\u00fa jeho. Poistka prenaj\u00edmate\u013ea jeho veci nechr\u00e1ni, <a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\">poistenie dom\u00e1cnosti<\/a> by si preto mal uzavrie\u0165 s\u00e1m.<\/p>\n\n\n\n<p>Na vlastn\u00e9 poistenie dom\u00e1cnosti by mal myslie\u0165 aj n\u00e1jomca v zariadenom byte, ak si do\u0148 priniesol hodnotnej\u0161iu elektroniku, bicykel \u010di in\u00e9 cenn\u00e9 veci.<\/p>\n\n\n\n<h2><a>Pren\u00e1jom netreba hl\u00e1si\u0165, zmluva v\u0161ak mus\u00ed by\u0165 platn\u00e1<\/a><\/h2>\n\n\n\n<p>Pri uzatv\u00e1ran\u00ed poistenia nemus\u00edte pois\u0165ovni hl\u00e1si\u0165, \u017ee byt prenaj\u00edmate, a pois\u0165ov\u0148a od v\u00e1s nevy\u017eaduje ani n\u00e1jomn\u00fa zmluvu. Ak v\u0161ak d\u00f4jde ku \u0161kode, ktor\u00fa sp\u00f4sob\u00ed n\u00e1jomca, pois\u0165ov\u0148a prever\u00ed, \u010di m\u00e1te platn\u00fa n\u00e1jomn\u00fa zmluvu a \u010di ste ako vlastn\u00edk prenaj\u00edmanej nehnute\u013enosti registrovan\u00fd na pr\u00edslu\u0161nom da\u0148ovom \u00farade.<\/p>\n\n\n\n<h2><a>Neob\u00fdvate\u013en\u00fd byt m\u00f4\u017ee znamena\u0165 stratu tis\u00edcok eur<\/a><\/h2>\n\n\n\n<p>Bohu\u017eia\u013e, ob\u010das doch\u00e1dza aj k z\u00e1va\u017en\u00fdm udalostiam, ako s\u00fa rozsiahly po\u017eiar a vydymenie, zni\u010den\u00e1 strecha \u010di popraskan\u00e9 m\u00fary. Po nich m\u00f4\u017ee nehnute\u013enos\u0165 zosta\u0165 neob\u00fdvate\u013en\u00e1 aj nieko\u013eko mesiacov. Ke\u010f\u017ee ju vlastn\u00edk nem\u00f4\u017ee prenaj\u00edma\u0165, m\u00f4\u017ee pr\u00eds\u0165 o pr\u00edjem z n\u00e1jmu vo v\u00fd\u0161ke tis\u00edcok eur.<\/p>\n\n\n\n<p>Na podobn\u00e9 situ\u00e1cie je vhodn\u00e9 ma\u0165 poisten\u00fd u\u0161l\u00fd zisk z pren\u00e1jmu. Prenaj\u00edmate\u013e pois\u0165ovni dolo\u017e\u00ed n\u00e1jomn\u00fa zmluvu s vy\u010d\u00edslenou v\u00fd\u0161kou n\u00e1jmu a pois\u0165ov\u0148a mu preplat\u00ed stratu do v\u00fd\u0161ky limitu uveden\u00e9ho v poistnej zmluve.<\/p>\n\n\n\n<p><strong>PR\u00cdKLAD:<\/strong> Ak prenaj\u00edmate byt za 750 eur mesa\u010dne a po po\u017eiari ho \u0161tyri mesiace nem\u00f4\u017eete prenaj\u00edma\u0165, pr\u00eddete o 3 000 eur. Pr\u00e1ve t\u00fato stratu v\u00e1m v r\u00e1mci dohodnut\u00e9ho limitu pom\u00f4\u017ee nahradi\u0165 poistenie u\u0161l\u00e9ho zisku z pren\u00e1jmu.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.fingo.sk\/blog\/poistenie-nehnutelnosti-pri-burke-a-povodni-ako-vas-chrani-a-co-robit-pri-skode\/\"><strong><em>\u010co robi\u0165, ke\u010f v\u00e1m b\u00farka \u010di povode\u0148 po\u0161kod\u00ed byt alebo dom, sa do\u010d\u00edtate v tomto \u010dl\u00e1nku.<\/em><\/strong><\/a><\/p>\n\n\n\n<h2><a>Neplati\u010dov poisti\u0165 nemo\u017eno<\/a><\/h2>\n\n\n\n<p>Poisti\u0165 sa v\u0161ak ned\u00e1 v\u0161etko. Neplatenie n\u00e1jomn\u00e9ho ani probl\u00e9mov\u00fdch n\u00e1jomn\u00edkov poisti\u0165 nemo\u017eno. Prenaj\u00edmate\u013e sa proti tomu m\u00f4\u017ee chr\u00e1ni\u0165 kauciou, teda depozitom, ktor\u00fd si s n\u00e1jomcom dohodne v n\u00e1jomnej zmluve.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.fingo.sk\/blog\/kupujete-investicny-byt-od-roku-2027-to-bude-tazsie\/\"><strong><em>Kupujete byt na pren\u00e1jom? Pre\u010d\u00edtajte si, \u010do sa men\u00ed pri financovan\u00ed investi\u010dn\u00fdch bytov.<\/em><\/strong><\/a><\/p>\n\n\n\n<h2><a>5 r\u00e1d pre prenaj\u00edmate\u013eov<\/a><\/h2>\n\n\n\n<p><strong>1. Poistite si nehnute\u013enos\u0165, dom\u00e1cnos\u0165 aj zodpovednos\u0165<\/strong><\/p>\n\n\n\n<p>Tieto tri poistenia by mal ma\u0165 ka\u017ed\u00fd prenaj\u00edman\u00fd byt alebo dom.<\/p>\n\n\n\n<p><strong>2. Dohodnite sa, kto poist\u00ed zodpovednos\u0165 n\u00e1jomcu<\/strong><\/p>\n\n\n\n<p>\u0160kody, ktor\u00e9 n\u00e1jomca sp\u00f4sob\u00ed susedom, kryje v\u00e4\u010d\u0161ina poistiek prenaj\u00edmate\u013eov. Overte si, \u010di aj t\u00e1 va\u0161a. Zodpovednos\u0165 n\u00e1jomcu za \u0161kody priamo vo va\u0161om byte v\u0161ak treba dojedna\u0165 osobitne, bu\u010f ako pripoistenie k va\u0161ej poistke, alebo vlastn\u00fdm poisten\u00edm n\u00e1jomcu.<\/p>\n\n\n\n<p><strong>3. Nezabudnite na zmluvu ani na da\u0148ov\u00fd \u00farad<\/strong><\/p>\n\n\n\n<p>Pri uzatv\u00e1ran\u00ed poistenia nemus\u00edte hl\u00e1si\u0165, \u017ee byt prenaj\u00edmate, a pois\u0165ov\u0148a nevy\u017eaduje ani n\u00e1jomn\u00fa zmluvu. Ak v\u0161ak d\u00f4jde ku \u0161kode, ktor\u00fa sp\u00f4sob\u00ed n\u00e1jomca, pois\u0165ov\u0148a prever\u00ed, \u010di m\u00e1te platn\u00fa zmluvu a \u010di ste registrovan\u00fd na da\u0148ovom \u00farade.<\/p>\n\n\n\n<p><strong>4. Pripoistite si u\u0161l\u00fd zisk z pren\u00e1jmu<\/strong><\/p>\n\n\n\n<p>Ak by v byte do\u0161lo k po\u017eiaru \u010di vytopeniu a dlh\u0161ie by sa nedal ob\u00fdva\u0165, poistenie v\u00e1m v r\u00e1mci dohodnut\u00fdch limitov nahrad\u00ed straten\u00fd pr\u00edjem z n\u00e1jmu. V\u00fd\u0161ka n\u00e1jmu mus\u00ed by\u0165 uveden\u00e1 v n\u00e1jomnej zmluve.<\/p>\n\n\n\n<p><strong>5. Proti neplati\u010dom pom\u00f4\u017ee kaucia<\/strong><\/p>\n\n\n\n<p>Neplatenie n\u00e1jomn\u00e9ho ani probl\u00e9mov\u00fdch n\u00e1jomn\u00edkov poisti\u0165 nemo\u017eno. Chr\u00e1ni\u0165 sa v\u0161ak m\u00f4\u017eete kauciou.<\/p>\n\n\n\n<h2><a>3 rady pre n\u00e1jomcov<\/a><\/h2>\n\n\n\n<p><strong>1. Poistite si zodpovednos\u0165<\/strong><\/p>\n\n\n\n<p>Za \u0161kodu, ktor\u00fa v byte sp\u00f4sob\u00edte, zodpoved\u00e1te vy. Ak napr\u00edklad nechtiac vytop\u00edte k\u00fape\u013e\u0148u a po\u0161kod\u00ed sa podlaha, pois\u0165ov\u0148a prenaj\u00edmate\u013eovi \u0161kodu preplat\u00ed, no peniaze potom bude vym\u00e1ha\u0165 od v\u00e1s. Preto je vhodn\u00e9 ma\u0165 vlastn\u00e9 poistenie zodpovednosti, ktor\u00e9 kryje \u0161kody na prenajatom byte aj \u0161kody sp\u00f4soben\u00e9 in\u00fdm, napr\u00edklad susedom.<\/p>\n\n\n\n<p><strong>2. Ak je vybavenie va\u0161e, poistite si aj dom\u00e1cnos\u0165<\/strong><\/p>\n\n\n\n<p>Ak ste si prenajali nezariaden\u00fd byt, do ktor\u00e9ho ste si priniesli vlastn\u00fd n\u00e1bytok \u010di spotrebi\u010de, poistka prenaj\u00edmate\u013ea ich nechr\u00e1ni. Poistenie dom\u00e1cnosti si preto uzavrite sami.<\/p>\n\n\n\n<p><strong>3. Pre\u010d\u00edtajte si n\u00e1jomn\u00fa zmluvu<\/strong><\/p>\n\n\n\n<p>Overte si, \u010di od v\u00e1s prenaj\u00edmate\u013e nevy\u017eaduje konkr\u00e9tne poistenie. Niekedy je to priamo podmienka n\u00e1jomnej zmluvy.<\/p>\n\n\n\n<h2>Ako na poistenie pren\u00e1jmu<\/h2>\n\n\n\n<p>\u010ci u\u017e byt prenaj\u00edmate, alebo v \u0148om b\u00fdvate v n\u00e1jme, spr\u00e1vne nastaven\u00e9 poistenie v\u00e1m v pr\u00edpade \u0161kody u\u0161etr\u00ed ve\u013ea starost\u00ed aj pe\u0148az\u00ed. Ka\u017ed\u00fd pren\u00e1jom je pritom in\u00fd, a preto sa oplat\u00ed nastavi\u0165 poistenie prenaj\u00edman\u00e9ho bytu individu\u00e1lne.<\/p>\n\n\n\n<p>Sk\u00fasen\u00ed <a href=\"https:\/\/www.fingo.sk\/kontakty\">makl\u00e9ri FinGO.sk<\/a> v\u00e1m porovnaj\u00fa ponuky pois\u0165ovn\u00ed, preveria, \u010di va\u0161a poistka kryje aj rizik\u00e1 spojen\u00e9 s pren\u00e1jmom, a pom\u00f4\u017eu v\u00e1m nastavi\u0165 rozsah krytia aj limity tak, aby ste sa v pr\u00edpade \u0161kody mali na \u010do spo\u013eahn\u00fa\u0165.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_property\" src=\"https:\/\/www.fingo.sk\/banner\/general?type=property\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n","protected":false},"excerpt":{"rendered":"<p>Pren\u00e1jom bytu prin\u00e1\u0161a rizik\u00e1 pre majite\u013ea aj pre n\u00e1jomcu. Vytopen\u00ed susedia, zadymen\u00fd byt po po\u017eiari \u010di nehnute\u013enos\u0165, ktor\u00fa po nehode nemo\u017eno nieko\u013eko mesiacov ob\u00fdva\u0165, m\u00f4\u017eu by\u0165 drahou z\u00e1le\u017eitos\u0165ou pre obe strany. Mnoh\u00e9 z t\u00fdchto riz\u00edk sa v\u0161ak daj\u00fa poisti\u0165. Porad\u00edme v\u00e1m, na \u010do nezabudn\u00fa\u0165 pri poisten\u00ed prenaj\u00edman\u00e9ho bytu, \u010di u\u017e ho prenaj\u00edmate, alebo v \u0148om b\u00fdvate. Z\u00e1kladom bezpe\u010dn\u00e9ho b\u00fdvania je poistenie nehnute\u013enosti a dom\u00e1cnosti, na ktor\u00e9 by mal myslie\u0165 ka\u017ed\u00fd majite\u013e nehnute\u013enosti. To v\u0161ak nie je v\u0161etko. Pri poisten\u00ed prenaj\u00edman\u00e9ho bytu treba myslie\u0165 aj na \u0161pecifick\u00e9 rizik\u00e1. Ide najm\u00e4 o \u0161kody, ktor\u00e9 n\u00e1jomca nechtiac sp\u00f4sob\u00ed na majetku majite\u013ea \u010di susedov, a o v\u00fdpadok pr\u00edjmu z n\u00e1jmu, ak sa byt po poistnej udalosti stane neob\u00fdvate\u013en\u00fdm. Bez poistky m\u00f4\u017ee na \u0161kodu doplati\u0165 n\u00e1jomca \u010co sa stane ak po\u010das n\u00e1jmu d\u00f4jde k vytopeniu, zadymeniu alebo inej poistnej udalosti, ktor\u00fa nechtiac sp\u00f4sob\u00ed n\u00e1jomca? Ak m\u00e1 majite\u013e svoju nehnute\u013enos\u0165 poisten\u00fa, tak o peniaze nepr\u00edde. \u0160kodu jednoducho nahl\u00e1si svojej pois\u0165ovni a t\u00e1 mu ju uhrad\u00ed. Pois\u0165ov\u0148a si v\u0161ak vyplaten\u00fa sumu n\u00e1sledne vym\u00e1ha od n\u00e1jomcu. Ak ten nem\u00e1 uzavret\u00e9 poistenie zodpovednosti, cel\u00fa \u0161kodu zaplat\u00ed z vlastn\u00e9ho vrecka. Zodpovednos\u0165 n\u00e1jomcu za \u0161kody na prenajatom byte poistka prenaj\u00edmate\u013ea zv\u00e4\u010d\u0161a nekryje. Treba ju dojedna\u0165 osobitne, bu\u010f ako pripoistenie k poisteniu [&hellip;]<\/p>\n","protected":false},"author":58,"featured_media":11511,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[16],"tags":[60,59,188],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Poistenie pren\u00e1jmu: Sprievodca pre majite\u013ea aj n\u00e1jomcu<\/title>\n<meta name=\"description\" content=\"Poistenie prenajat\u00e9ho bytu kryje majite\u013ea aj n\u00e1jomcu. 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