{"id":3009,"date":"2025-07-31T13:05:00","date_gmt":"2025-07-31T11:05:00","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=3009"},"modified":"2025-07-31T15:25:22","modified_gmt":"2025-07-31T13:25:22","slug":"poistenie-proti-zivlom-ako-ochranite-dom-chalupu-ci-garaz","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/poistenie-proti-zivlom-ako-ochranite-dom-chalupu-ci-garaz\/","title":{"rendered":"Poistenie proti \u017eivlom: Ako ochr\u00e1ni\u0165 dom, chalupu \u010di gar\u00e1\u017e"},"content":{"rendered":"\n<p><strong>Strhnut\u00e1 strecha po v\u00edchrici, z\u00e1val snehu, vytopen\u00e1 pivnica \u010di vyhoren\u00fd byt \u2013 aj tak\u00e9to situ\u00e1cie, \u017eia\u013e, nie s\u00fa v\u00fdnimo\u010dn\u00e9. Spr\u00e1vne nastaven\u00e9 poistenie bytu alebo domu v\u00e1m v tak\u00fdchto pr\u00edpadoch m\u00f4\u017ee v\u00fdrazne pom\u00f4c\u0165 pokry\u0165 finan\u010dn\u00e9 straty<b>.\u00a0<\/b><\/strong><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.fingo.sk\/blog\/poistenie-proti-zivlom-nepodcenujte-tri-jednoduche-cesty-ako-na-to\/\">\u017diveln\u00e9 pohromy<\/a> sa vopred neohl\u00e1sia, preto je potrebn\u00e9 by\u0165 na ne pripraven\u00fd. <\/span>Poistenie proti \u017eivlom m\u00f4\u017ee ochr\u00e1ni\u0165 nielen v\u00e1\u0161 byt \u010di rodinn\u00fd dom, ale aj chalupu, gar\u00e1\u017e, alt\u00e1nok, fotovoltiku \u010di dokonca n\u00e1hrobn\u00fd kame\u0148.<span style=\"font-weight: 400;\"> \u010co v\u0161etko by ste o poisten\u00ed mali vedie\u0165, <strong>ko\u013eko v\u00e1s m\u00f4\u017ee st\u00e1\u0165 a ako si ho nastavi\u0165<\/strong> tak, aby v\u00e1m pokrylo vzniknut\u00e9 \u0161kody?<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\">Proti ktor\u00fdm \u017eivlom sa viete poisti\u0165<\/span><\/h2>\n\n\n\n<p>Je rozdiel, v ktorej pois\u0165ovni svoj majetok poist\u00edte. Mo\u017enosti, proti ktor\u00fdm rizik\u00e1m sa viete poisti\u0165, z\u00e1visia od podmienok pois\u0165ovn\u00ed, vybrat\u00fdch pripoisten\u00ed, respekt\u00edve od zvolen\u00e9ho bal\u00edka. <span style=\"font-weight: 400;\">Medzi pois\u0165ovan\u00e9 \u017eivly patria najm\u00e4 tieto:\u00a0<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">\u0165archa snehu, atmosf\u00e9rick\u00e9 zr\u00e1\u017eky, krupobitie<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">v\u00edchrica, b\u00farliv\u00fd vietor<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">po\u017eiar, dym, expl\u00f3zia, priamy \u00fader blesku<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.fingo.sk\/blog\/mate-svoj-majetok-poisteny-proti-povodni-a-zaplavam\/\">povode\u0148<\/a>, z\u00e1plava<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">zemetrasenie, r\u00e1zov\u00e1 vlna,&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">zosuv p\u00f4dy, lav\u00edna, v\u00fdbuch sopky<\/span><\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><\/p>\n<\/blockquote>\n\n\n\n<p><span style=\"font-weight: 400;\">V pois\u0165ovniach s\u00fa z\u00e1rove\u0148 rozdiely v samotnej defin\u00edcii dan\u00e9ho rizika. Napr\u00edklad v\u00edchrica m\u00f4\u017ee by\u0165 v jednej pois\u0165ovni definovan\u00e1 ako sila vetra s r\u00fdchlos\u0165ou najmenej 60 km\/h a v inej pois\u0165ovni <\/span>minim\u00e1lne od 75 km\/h.<span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Aj preto je lep\u0161ie rie\u0161i\u0165<strong>\u00a0poistenie s odborn\u00edkom<\/strong>, ktor\u00fd m\u00e1 preh\u013ead o ponuk\u00e1ch pois\u0165ovn\u00ed naprie\u010d cel\u00fdm trhom.\u00a0Ako na poistenie bytu \u010di domu? <span style=\"font-weight: 400;\">Zavolajte n\u00e1m na <strong><span style=\"color: #ec8124;\">0800 60 10 60<\/span> <\/strong>alebo n\u00e1m zanechajte svoje <span style=\"color: #ec8124;\"><strong>kontaktn\u00e9 \u00fadaje<\/strong><\/span> a na\u0161i sk\u00fasen\u00ed makl\u00e9ri z FinGO.sk v\u00e1m poradia.\u00a0<\/span><\/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\n\n\n<h2><span style=\"color: #ec8124;\"><b>Ak\u00e9 nehnute\u013enosti si m\u00f4\u017eete poisti\u0165<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Poisten\u00edm m\u00f4\u017eete chr\u00e1ni\u0165 <\/span><b>hlavn\u00e9 stavby<\/b><span style=\"font-weight: 400;\">, ktor\u00e9 s\u00fa evidovan\u00e9 v katastri nehnute\u013enost\u00ed &#8211; teda napr\u00edklad <\/span><b>rodinn\u00fd dom, byt, nebytov\u00fd priestor, rekrea\u010dn\u00fa nehnute\u013enos\u0165 &#8211; chatu, <\/b><span style=\"font-weight: 400;\">alebo aj samostatne stojacu<\/span><b> gar\u00e1\u017e<\/b>, ktor\u00e1 sa dokonca v niektor\u00fdch pois\u0165ovniach m\u00f4\u017ee nach\u00e1dza\u0165 na \u00faplne inej adrese na Slovensku ako v\u00e1\u0161 byt.<\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Zv\u00e4\u010d\u0161a si potom k tejto nehnute\u013enosti viete pripoisti\u0165 aj <\/span><b>ved\u013eaj\u0161ie stavby <\/b><span style=\"font-weight: 400;\">na pozemku ako s\u00fa <\/span><b>alt\u00e1nok, hospod\u00e1rska budova, baz\u00e9n, plot \u010di stud\u0148a<\/b><span style=\"font-weight: 400;\">. Mus\u00ed to by\u0165 stavba postaven\u00e1 na z\u00e1klade stavebn\u00e9ho povolenia, pr\u00edpadne drobn\u00e1 stavba, ktor\u00e1 je spojen\u00e1 pevne so zemou.\u00a0<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Tak\u00e1to ved\u013eaj\u0161ia stavba z\u00e1rove\u0148 mus\u00ed by\u0165 na rovnakom oplotenom pozemku ako je pois\u0165ovan\u00e1 hlavn\u00e1 stavba.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Naopak, pois\u0165ovne v\u00e1m s vysokou pravdepodobnos\u0165ou <\/span><b>nepoistia budovy v zlom technickom stave, sklen\u00edky, f\u00f3liovn\u00edky, budovy<\/b><span style=\"font-weight: 400;\">, ktor\u00e9 s\u00fa postaven\u00e9 v rozpore so z\u00e1v\u00e4zn\u00fdmi predpismi a \u010dierne stavby.<\/span><\/li>\n<\/ul>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>Ako si spr\u00e1vne nastavi\u0165 poistn\u00fa sumu<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">V\u00e4\u010d\u0161ina \u017eivlov m\u00f4\u017ee va\u0161u nehnute\u013enos\u0165 zni\u010di\u0165 \u00faplne, tak\u017ee nebude ob\u00fdvate\u013en\u00e1 a bude nutn\u00e9 nehnute\u013enos\u0165 zb\u00fara\u0165, odnies\u0165 sutiny a postavi\u0165 ju nanovo.\u00a0Preto by poistenie vo\u010di \u017eivlom malo by\u0165 nastaven\u00e9 <\/span><b>na hodnotu<\/b><span style=\"font-weight: 400;\">, za ktor\u00fa by ste vedeli rovnak\u00fa <\/span><b>nehnute\u013enos\u0165 postavi\u0165, v pr\u00edpadne bytu k\u00fapi\u0165 v rovnakej lokalite.<\/b><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" width=\"1732\" height=\"1154\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/zhoren\u00e1-strecha.jpg\" alt=\"zhoren\u00e1 strecha domu \" class=\"wp-image-3016\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/zhoren\u00e1-strecha.jpg 1732w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/zhoren\u00e1-strecha-300x200.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/zhoren\u00e1-strecha-768x512.jpg 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/zhoren\u00e1-strecha-1024x682.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/zhoren\u00e1-strecha-1080x720.jpg 1080w\" sizes=\"(max-width: 1732px) 100vw, 1732px\" \/><\/figure><\/div>\n\n\n<h2><span style=\"color: #ec8124;\"><b>Pozor na podpoistenie<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Ak si nehnute\u013enos\u0165 poist\u00edte na ni\u017e\u0161iu sumu ako je jej hodnota, vznikne na nej <a href=\"https:\/\/www.fingo.sk\/blog\/pri-poisteni-nehnutelnosti-si-treba-dat-pozor-na-podpoistenie\/\">podpoistenie<\/a>. Uvedomte si, \u017ee pois\u0165ov\u0148a pri poistnej udalosti m\u00f4\u017ee vyplati\u0165 o to\u013eko percent menej, o ko\u013eko percent je rodinn\u00fd dom poisten\u00fd ni\u017e\u0161ie oproti hodnote, za ktor\u00fa by ste ho vedeli postavi\u0165. Tento princ\u00edp funguje rovnako aj pri poisten\u00ed bytu.<\/span><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><b>Pr\u00edklad:<\/b><\/span><span style=\"font-weight: 400;\"> Ak si zoberieme pr\u00edpad, \u017ee rodinn\u00fd dom <strong>vieme postavi\u0165 za 150 000 eur<\/strong> a vy si ho poist\u00edte napr\u00edklad len <strong>na v\u00fd\u0161ku va\u0161ej hypot\u00e9ky 75 000 eur<\/strong>, vznik\u00e1 tam <strong>50 %- tn\u00e9 podpoistenie.<\/strong> Ak by v\u00e1m v\u00edchrica po\u0161kodila strechu a jej oprava by v\u00e1s st\u00e1la 10 000 eur, pois\u0165ov\u0148a si m\u00f4\u017ee uplatni\u0165 50%-tn\u00e9 podpoistenie, a teda by v\u00e1m<strong> vyplatila len polovicu \u0161kody<\/strong>, \u010di\u017ee 5000 eur. Zvy\u0161n\u00fdch 5000 eur by ste si museli uhradi\u0165 z vlastn\u00e9ho vrecka<\/span>.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><\/p>\n<\/blockquote>\n\n\n\n<p><span style=\"color: #ec8124;\"><b>TIP:<\/b><\/span><span style=\"font-weight: 400;\"> Pri stanoven\u00ed poistn\u00fdch s\u00fam v\u00e1m porad\u00ed aj<a href=\"https:\/\/www.fingo.sk\/\"> finan\u010dn\u00fd sprostredkovate\u013e<\/a>. Na z\u00e1klade rozlohy nehnute\u013enosti (\u010di u\u017e zastavanej plochy, obytnej plochy a \u010fal\u0161\u00edch pl\u00f4ch) v\u00e1m pom\u00f4\u017ee ur\u010di\u0165 pribli\u017en\u00fa hodnotu nehnute\u013enosti, a potom si ju m\u00f4\u017eete mierne upravi\u0165 pod\u013ea svojho uv\u00e1\u017eenia, \u010di u\u017e smerom nahor, alebo nadol.<\/span><\/p>\n\n\n\n<p><strong><em>Pre\u010d\u00edtajte si aj blog <a href=\"https:\/\/www.fingo.sk\/blog\/na-jar-nezabudnite-skontrolovat-dom-garaz-ci-chalupu-inak-moze-byt-poistenie-nehnutelnosti-zbytocne\/\">Na jar nezabudnite skontrolova\u0165 dom, gar\u00e1\u017e \u010di chalupu. Inak m\u00f4\u017ee by\u0165 poistenie nehnute\u013enosti zbyto\u010dn\u00e9<\/a>.<\/em><\/strong><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>Ko\u013eko v\u00e1s bude st\u00e1\u0165 poistenie bytu \u010di domu<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Cena poistenia bytu \u010di domu z\u00e1vis\u00ed <strong>od viacer\u00fdch faktorov.<\/strong> \u010ci u\u017e od lokality danej nehnute\u013enosti (\u010di sa n\u00e1hodou nenach\u00e1dza v rizikovom, z\u00e1plavovom p\u00e1sme), \u010falej od mno\u017estva a rozsahu riz\u00edk, vo\u010di ktor\u00fdm ju chceme poisti\u0165, aj od toho, z ak\u00fdch materi\u00e1lov je postaven\u00e1 nehnute\u013enos\u0165 alebo strecha.\u00a0<\/span><\/p>\n\n\n\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">Pri niektor\u00fdch pois\u0165ovniach bud\u00fa ved\u013eaj\u0161ie stavby na pozemku, napr\u00edklad aj <\/span><b>gar\u00e1\u017e<\/b><span style=\"font-weight: 400;\">, poisten\u00e9 automaticky do ur\u010dit\u00e9ho percenta z hodnoty nehnute\u013enosti. Priemer je okolo <\/span><b>15 \u2013 20 %<\/b><span style=\"font-weight: 400;\">. \u010ci\u017ee pri 150 000 eur poistnej sume by boli ved\u013eaj\u0161ie stavby na pozemku poisten\u00e9 na hodnotu 22 500 &#8211; 30 000 eur.<\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">Ak sa na pozemku nach\u00e1dzaj\u00fa ved\u013eaj\u0161ie stavby s vy\u0161\u0161ou hodnotou, je dobr\u00e9 si ich e\u0161te pripoisti\u0165.<\/span><\/p>\n<\/blockquote>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2022\/12\/kakulacka-poistenie-majetku-fingo.gif\" alt=\"fingo kalkula\u010dka poistenie nehnute\u013enosti a dom\u00e1cnosti\" class=\"wp-image-6924\"\/><\/a><\/figure><\/div>\n\n\n<h2><span style=\"color: #ec8124;\"><b>M\u00e1te star\u0161ie poistenie nehnute\u013enosti?<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Poistn\u00fa zmluvu na nehnute\u013enos\u0165 by ste mali skontrolova\u0165 s odborn\u00edkom <\/span><b>najmenej 1-kr\u00e1t za 2-3 roky<\/b><span style=\"font-weight: 400;\">. Ceny nehnute\u013enost\u00ed rast\u00fa a s nimi rastie aj hodnota v\u00e1\u0161ho domu alebo bytu. Aj ka\u017ed\u00fa rekon\u0161trukciu domu \u010di bytu by ste mali premietnu\u0165 do zv\u00fd\u0161enia poistn\u00fdch s\u00fam, aby v\u00e1m na zmluve nevznikalo podpoistenie.<\/span><\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>Pr\u00edklad<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Predstavte si, \u017ee ste si pred 10 rokmi <strong>postavili dom v hodnote 100-tis\u00edc eur<\/strong>. Medzi\u010dasom ste ho zrekon\u0161truovali, ceny stavebn\u00fdch materi\u00e1lov aj pr\u00e1ce st\u00fapli, a v\u00e1\u0161 dom by ste <strong>v s\u00fa\u010dasnosti postavili za 130 tis\u00edc eur<\/strong>. Ak by ste nedajbo\u017ee vyhoreli, pois\u0165ov\u0148a by v\u00e1m vyplatila pod\u013ea starej zmluvy maxim\u00e1lne 100-tis\u00edc eur. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Len\u017ee za t\u00fato cenu dnes u\u017e nepostav\u00edte rovnako ve\u013ek\u00fd dom, budete sa musie\u0165 uskromni\u0165 a postavi\u0165 na va\u0161om pozemku men\u0161\u00ed dom. Alebo aby ste b\u00fdvali r\u00fdchlej\u0161ie, k\u00fapite si cenovo dostupnej\u0161\u00ed dom v menej atrakt\u00edvnej lokalite, pr\u00edpadne si k\u00fapite byt.\u00a0<\/span><\/p>\n\n\n\n<p>Odpor\u00fa\u010dan\u00fdm rie\u0161en\u00edm je nastavenie tzv. index\u00e1cie na poistnej zmluve, \u010do znamen\u00e1, \u017ee v pr\u00edpade n\u00e1rastu rastu cenovej hladiny sa bude pravidelne navy\u0161ova\u0165 aj poistn\u00e1 suma va\u0161ej nehnute\u013enosti a vy sa tak vyhnete podpoisteniu.<\/p>\n\n\n\n<p><strong><em>Vytopen\u00ed susedia \u010di nab\u00faran\u00e9 firemn\u00e9 auto? Pre\u010d\u00edtajte si blog, <a href=\"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia-ci-naburane-firemne-autoochrani-vas-poistenie-zodpovednosti-za-skodu\/\">ako v\u00e1s ochr\u00e1ni poistenie zodpovednosti za \u0161kodu<\/a><\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia-ci-naburane-firemne-autoochrani-vas-poistenie-zodpovednosti-za-skodu\/\">.<\/a><\/p>\n\n\n\n<div class=\"newsletter-1\"><\/div>\r\n<script src=\"https:\/\/www.fingo.sk\/cdn\/scripts\/widget-newsletter.js?v=2\"><\/script>\r\n\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>Skontrolujte va\u0161u zmluvu s odborn\u00edkom<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Ak m\u00e1te dobr\u00e9ho finan\u010dn\u00e9ho sprostredkovate\u013ea, ktor\u00fd v\u00e1m mo\u017eno pom\u00e1hal aj s hypot\u00e9kou, vie v\u00e1m <a href=\"https:\/\/www.fingo.sk\/zastarale-zmluvy\">pri kontrole va\u0161ej zmluvy<\/a> poveda\u0165, na ak\u00e9 rizik\u00e1 a sumy m\u00e1te nehnute\u013enos\u0165 poisten\u00fa. <\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">To, \u010di si viete nejak\u00e9 riziko do poistnej zmluvy prida\u0165 alebo upravi\u0165 poistn\u00fa sumu, z\u00e1le\u017e\u00ed od konkr\u00e9tnej zmluvy, ktor\u00fa m\u00e1te uzavret\u00fa ako aj od pois\u0165ovne, v ktorej ste poisten\u00fd.&nbsp;<\/span><\/p>\n<\/blockquote>\n\n\n\n<p><span style=\"color: #ec8124;\"><b>TIP:<\/b><\/span><span style=\"font-weight: 400;\"><strong>&nbsp;Sprostredkovatelia z FinGO.sk<\/strong> v\u00e1m va\u0161u poistn\u00fa zmluvu skontroluj\u00fa<strong> bezplatne<\/strong>. Poradia v\u00e1m, \u010di je nastaven\u00e1 spr\u00e1vne, pr\u00edpadne odporu\u010dia v\u00fdhodnej\u0161ie poistenie na trhu.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Radi v\u00e1m pom\u00f4\u017eeme aj s nov\u00fdm <a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\">poisten\u00edm nehnute\u013enosti, dom\u00e1cnosti \u010di zodpovednosti<\/a> ak chcete poisti\u0165 svoj byt \u010di dom. M\u00f4\u017eete sa s nami spoji\u0165 <strong>aj telefonicky alebo online<\/strong>. Ak chcete vedie\u0165 viac, zavolajte n\u00e1m na <span style=\"color: #ec8124;\"><strong>0800 60 10 60<\/strong><\/span> alebo n\u00e1m zanechajte svoje \u00fadaje a my sa v\u00e1m \u010doskoro ozveme.<\/span><\/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>Strhnut\u00e1 strecha po v\u00edchrici, z\u00e1val snehu, vytopen\u00e1 pivnica \u010di vyhoren\u00fd byt \u2013 aj tak\u00e9to situ\u00e1cie, \u017eia\u013e, nie s\u00fa v\u00fdnimo\u010dn\u00e9. Spr\u00e1vne nastaven\u00e9 poistenie bytu alebo domu v\u00e1m v tak\u00fdchto pr\u00edpadoch m\u00f4\u017ee v\u00fdrazne pom\u00f4c\u0165 pokry\u0165 finan\u010dn\u00e9 straty.\u00a0 \u017diveln\u00e9 pohromy sa vopred neohl\u00e1sia, preto je potrebn\u00e9 by\u0165 na ne pripraven\u00fd. Poistenie proti \u017eivlom m\u00f4\u017ee ochr\u00e1ni\u0165 nielen v\u00e1\u0161 byt \u010di rodinn\u00fd dom, ale aj chalupu, gar\u00e1\u017e, alt\u00e1nok, fotovoltiku \u010di dokonca n\u00e1hrobn\u00fd kame\u0148. \u010co v\u0161etko by ste o poisten\u00ed mali vedie\u0165, ko\u013eko v\u00e1s m\u00f4\u017ee st\u00e1\u0165 a ako si ho nastavi\u0165 tak, aby v\u00e1m pokrylo vzniknut\u00e9 \u0161kody? Proti ktor\u00fdm \u017eivlom sa viete poisti\u0165 Je rozdiel, v ktorej pois\u0165ovni svoj majetok poist\u00edte. Mo\u017enosti, proti ktor\u00fdm rizik\u00e1m sa viete poisti\u0165, z\u00e1visia od podmienok pois\u0165ovn\u00ed, vybrat\u00fdch pripoisten\u00ed, respekt\u00edve od zvolen\u00e9ho bal\u00edka. Medzi pois\u0165ovan\u00e9 \u017eivly patria najm\u00e4 tieto:\u00a0 V pois\u0165ovniach s\u00fa z\u00e1rove\u0148 rozdiely v samotnej defin\u00edcii dan\u00e9ho rizika. Napr\u00edklad v\u00edchrica m\u00f4\u017ee by\u0165 v jednej pois\u0165ovni definovan\u00e1 ako sila vetra s r\u00fdchlos\u0165ou najmenej 60 km\/h a v inej pois\u0165ovni minim\u00e1lne od 75 km\/h.\u00a0 TIP: Aj preto je lep\u0161ie rie\u0161i\u0165\u00a0poistenie s odborn\u00edkom, ktor\u00fd m\u00e1 preh\u013ead o ponuk\u00e1ch pois\u0165ovn\u00ed naprie\u010d cel\u00fdm trhom.\u00a0Ako na poistenie bytu \u010di domu? Zavolajte n\u00e1m na 0800 60 10 60 alebo n\u00e1m zanechajte svoje kontaktn\u00e9 \u00fadaje a na\u0161i sk\u00fasen\u00ed [&hellip;]<\/p>\n","protected":false},"author":58,"featured_media":10501,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[75,16],"tags":[189,59,116,175],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Poistenie bytu \u010di domu: Ako ochr\u00e1ni\u0165 svoj majetok pred \u017eivlami?<\/title>\n<meta name=\"description\" content=\"Pr\u00edrodn\u00e9 \u017eivly patria k z\u00e1kladn\u00fdm poistn\u00fdm rizik\u00e1m, ktor\u00e9 m\u00f4\u017eu zni\u010di\u0165 nehnute\u013enos\u0165. 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Ako na poistenie bytu \u010di domu a ko\u013eko to stoj\u00ed?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.sk\/blog\/poistenie-proti-zivlom-ako-ochranite-dom-chalupu-ci-garaz\/\" \/>\n<meta property=\"og:site_name\" content=\"FinGO.sk\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-31T11:05:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-31T13:25:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/07\/Poistenie-bytu.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"717\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Juliana Arvaiov\u00e1\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Autor\" \/>\n\t<meta name=\"twitter:data1\" content=\"Juliana Arvaiov\u00e1\" \/>\n\t<meta name=\"twitter:label2\" content=\"Predpokladan\u00fd \u010das \u010d\u00edtania\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 min\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/poistenie-proti-zivlom-ako-ochranite-dom-chalupu-ci-garaz\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/poistenie-proti-zivlom-ako-ochranite-dom-chalupu-ci-garaz\/\"},\"author\":{\"name\":\"Juliana Arvaiov\u00e1\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/6cd0d5bd48b1be52f3486f039fd1ebdf\"},\"headline\":\"Poistenie proti \u017eivlom: Ako ochr\u00e1ni\u0165 dom, chalupu \u010di gar\u00e1\u017e\",\"datePublished\":\"2025-07-31T11:05:00+00:00\",\"dateModified\":\"2025-07-31T13:25:22+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/poistenie-proti-zivlom-ako-ochranite-dom-chalupu-ci-garaz\/\"},\"wordCount\":1342,\"publisher\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#organization\"},\"keywords\":[\"podpoistenie\",\"Poistenie nehnute\u013enosti\",\"Poistenie proti povodni a z\u00e1plav\u00e1m\",\"pr\u00edrodn\u00e9 \u017eivly\"],\"articleSection\":[\"Ne\u017eivotn\u00e9 poistenie\",\"Poistenie majetku\"],\"inLanguage\":\"sk-SK\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/poistenie-proti-zivlom-ako-ochranite-dom-chalupu-ci-garaz\/\",\"url\":\"https:\/\/www.fingo.sk\/blog\/poistenie-proti-zivlom-ako-ochranite-dom-chalupu-ci-garaz\/\",\"name\":\"Poistenie bytu \u010di domu: Ako ochr\u00e1ni\u0165 svoj majetok pred \u017eivlami?\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#website\"},\"datePublished\":\"2025-07-31T11:05:00+00:00\",\"dateModified\":\"2025-07-31T13:25:22+00:00\",\"description\":\"Pr\u00edrodn\u00e9 \u017eivly patria k z\u00e1kladn\u00fdm poistn\u00fdm rizik\u00e1m, ktor\u00e9 m\u00f4\u017eu zni\u010di\u0165 nehnute\u013enos\u0165. 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