{"id":3674,"date":"2022-08-02T09:10:00","date_gmt":"2022-08-02T07:10:00","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=3674"},"modified":"2024-07-17T13:14:47","modified_gmt":"2024-07-17T11:14:47","slug":"na-co-sluzi-poistenie-nehnutelnosti","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/na-co-sluzi-poistenie-nehnutelnosti\/","title":{"rendered":"Na \u010do sl\u00fa\u017ei poistenie nehnute\u013enosti"},"content":{"rendered":"\n<p><strong>Po\u017eiar, povode\u0148 a z\u00e1plava, v\u00edchrica \u010di torn\u00e1do dok\u00e1\u017eu na nehnute\u013enostiach nap\u00e1cha\u0165 \u0161kody obrovsk\u00fdch rozmerov. Pr\u00edrodn\u00e9 \u017eivly ukazuj\u00fa st\u00e1le v\u00e4\u010d\u0161iu silu aj v na\u0161ich kon\u010din\u00e1ch, preto sa pred nimi mus\u00edme chr\u00e1ni\u0165 aj finan\u010dne. \u010ci u\u017e b\u00fdvate v dome alebo byte, mali by ste vedie\u0165, \u017ee poistenie nehnute\u013enosti a dom\u00e1cnosti ukroj\u00ed z rodinn\u00e9ho rozpo\u010dtu len p\u00e1r eur mesa\u010dne. Ale ke\u010f v\u00e1m v\u00edchrica strhne strechu, povode\u0148 vytop\u00ed pivnicu alebo v\u00e1m vyhor\u00ed byt, pois\u0165ov\u0148a v\u00e1m dok\u00e1\u017ee do p\u00e1r dn\u00ed vyplati\u0165 aj desiatky tis\u00edc eur. Viac sa dozviete v na\u0161om blogu.<\/strong><\/p>\n\n\n\n<p>V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/p>\n\n\n\n<ul>\n<li>Ak\u00e9 stavby si m\u00f4\u017eete poisti\u0165<\/li>\n\n\n\n<li>Pre\u010do je d\u00f4le\u017eit\u00e9 ma\u0165 poistenie<\/li>\n\n\n\n<li>Ak\u00e9 je krytie poistenia nehnute\u013enosti<\/li>\n\n\n\n<li>Na \u010do sl\u00fa\u017ei poistenie dom\u00e1cnosti a ak\u00e9 je jeho krytie<\/li>\n\n\n\n<li>Pre\u010do ma\u0165 na zmluve poistenie nehnute\u013enosti, dom\u00e1cnosti aj zodpovednosti za \u0161kodu<\/li>\n\n\n\n<li>Ako z\u00edska\u0165 najv\u00fdhodnej\u0161ie poistenie a ako v\u00e1m pom\u00f4\u017eu experti z <a href=\"https:\/\/www.fingo.sk\/kontakty\">FinGO.sk<\/a><\/li>\n<\/ul>\n\n\n\n<h2><span style=\"color: #ec8124;\">Ak\u00e9 stavby si m\u00f4\u017eete poisti\u0165<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">S poisten\u00edm budete m\u00f4c\u0165 pokojne sp\u00e1va\u0165 a v\u0161etky ne\u010dakan\u00e9 situ\u00e1cie, \u010di u\u017e p\u00f4jde o vy\u010d\u00ed\u0148anie <a href=\"https:\/\/www.fingo.sk\/blog\/mate-svoj-majetok-poisteny-proti-povodni-a-zaplavam\/\">pr\u00edrodn\u00fdch \u017eivlov<\/a>, kr\u00e1de\u017ee alebo vandalizmus, s finan\u010dnou injekciou od pois\u0165ovne zvl\u00e1dnete ove\u013ea \u013eah\u0161ie.<\/span>&nbsp;<span style=\"font-weight: 400;\">Poistenie vr\u00e1tane nehnute\u013enosti, dom\u00e1cnosti aj zodpovednosti by ur\u010dite mal ma\u0165 uzavret\u00e9 ka\u017ed\u00fd majite\u013e nehnute\u013enosti, \u010di u\u017e vlastn\u00ed rodinn\u00fd dom, byt, rekrea\u010dn\u00fa chatu alebo aj gar\u00e1\u017e.<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.fingo.sk\/kontakty\">Poisti\u0165 si<\/a> m\u00f4\u017eete <strong>budovu ako samostatn\u00fa stavbu alebo v katastri nehnute\u013enost\u00ed evidovan\u00fd byt alebo nebytov\u00fd priestor<\/strong>, ktor\u00fd sa nach\u00e1dza v mieste poistenia budovy, vr\u00e1tane ich v\u0161etk\u00fdch stavebn\u00fdch s\u00fa\u010dast\u00ed &#8211; technick\u00fdch a energetick\u00fdch zariaden\u00ed a technol\u00f3gi\u00ed zabudovan\u00fdch v budove alebo pevne s \u0148ou spojen\u00fdch. Ide napr\u00edklad o vonkaj\u0161ie schodisk\u00e1, vonkaj\u0161ie pr\u00edpojky patriace k budove, predmety pevne pripevnen\u00e9 zvonku pl\u00e1\u0161\u0165a budovy ako s\u00fa mark\u00edzy, pergoly, ant\u00e9ny, klimatiza\u010dn\u00e9 zariadenia, sol\u00e1rne panely.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">\u010ealej si m\u00f4\u017eete poisti\u0165 aj <strong>ved\u013eaj\u0161iu stavbu v mieste poistenia budovy<\/strong>: stavbu postaven\u00fa na z\u00e1klade stavebn\u00e9ho povolenia alebo drobn\u00fa stavbu pevne spojen\u00fa so zemou, ktor\u00e1 je ohl\u00e1sen\u00e1 stavebn\u00e9mu \u00faradu (napr\u00edklad gar\u00e1\u017e, hospod\u00e1rsku budovu, alt\u00e1nok, stud\u0148u, oplotenie), ak sa nach\u00e1dza na oplotenom pozemku spolu s budovou alebo je s budovou spojen\u00e1 stavebn\u00fdmi s\u00fa\u010das\u0165ami.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Naopak, pois\u0165ov\u0148a v\u00e1m zv\u00e4\u010d\u0161a <strong>nepoist\u00ed<\/strong> budovu v zlom technickom stave \u010di budovu postaven\u00fa v rozpore so z\u00e1v\u00e4zn\u00fdmi predpismi.<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Myslite aj na to, \u017ee ak kupujete nehnute\u013enos\u0165 <\/span><a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\"><span style=\"font-weight: 400;\">na hypot\u00e9ku<\/span><\/a><span style=\"font-weight: 400;\">, banka v\u017edy vy\u017eaduje, aby bola <\/span>zalo\u017een\u00e1 nehnute\u013enos\u0165 aj poisten\u00e1<span style=\"font-weight: 400;\"> a vinkulovan\u00e1 v jej prospech. To znamen\u00e1, \u017ee keby v\u00e1\u0161 byt \u010di dom vyhorel alebo by do\u0161lo k in\u00e9mu znehodnoteniu, pois\u0165ov\u0148a pri vyplaten\u00ed poistn\u00e9ho plnenia oslov\u00ed najsk\u00f4r banku.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\">TIP:<\/span><span style=\"font-weight: 400;\"> Poisten\u00edm v\u0161ak chr\u00e1nite <\/span>v\u00e1\u0161 majetok,<span style=\"font-weight: 400;\"> preto ak m\u00e1te hypot\u00e9ku, ur\u010dite si neuzatv\u00e1rajte poistku len na v\u00fd\u0161ku \u00faveru, ale na re\u00e1lnu hodnotu va\u0161ej nehnute\u013enosti. Inak sa vystav\u00edte podpoisteniu, o ktorom sa do\u010d\u00edtate viac v na\u0161om <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/pri-poisteni-nehnutelnosti-si-treba-dat-pozor-na-podpoistenie\/\"><span style=\"font-weight: 400;\">blogu.<\/span><\/a><span style=\"font-weight: 400;\">&nbsp;<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\">Pre\u010do je d\u00f4le\u017eit\u00e9 ma\u0165 uzatvoren\u00e9 poistenie<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Poistenie chr\u00e1ni n\u00e1\u0161 majetok proti <\/span>neo\u010dak\u00e1van\u00fdm situ\u00e1ci\u00e1m<span style=\"font-weight: 400;\">, ktor\u00e9 m\u00f4\u017eu sp\u00f4sobi\u0165 najm\u00e4 <\/span><strong>pr\u00edrodn\u00e9 \u017eivly, ale aj zlodeji a vandali<\/strong><span style=\"font-weight: 400;\">. Ak v priebehu p\u00e1r min\u00fat <a href=\"https:\/\/www.fingo.sk\/blog\/poistenie-proti-poziaru\/\">kv\u00f4li po\u017eiaru<\/a>, v\u00edchrici \u010di \u00faderu blesku pr\u00eddete o strechu nad hlavou, od pois\u0165ovne dostanete finan\u010dn\u00fa injekciu, s ktorou si m\u00f4\u017eete zabezpe\u010di\u0165 nov\u00e9 b\u00fdvanie, \u010di u\u017e k\u00fapi\u0165 nov\u00fd byt alebo postavi\u0165 dom.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Asi m\u00e1lokto z n\u00e1s m\u00e1 poruke len tak vo\u013en\u00fdch 100-tis\u00edc eur na nov\u00fd byt \u010di stavbu nov\u00e9ho domu. Samozrejme, st\u00e1vaj\u00fa sa aj men\u0161ie poistn\u00e9 udalosti, pri ktor\u00fdch sa nemus\u00edte hne\u010f s\u0165ahova\u0165 do nov\u00e9ho. Ani neviete ako, ale aj tak\u00e9 prasknut\u00e9 trubky v stene, zate\u010den\u00e9 steny alebo zni\u010den\u00fd ko\u017een\u00fd gau\u010d \u010di ukradnut\u00e1 elektronika si m\u00f4\u017eu vy\u017eadova\u0165<\/span> stovky, ale aj tis\u00edcky eur.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">\u0160kody sa vy\u0161plhaj\u00fa \u010dasto vy\u0161\u0161ie ako si predstavujeme a mnoh\u00ed z n\u00e1s nemaj\u00fa vytvoren\u00fa ani z\u00e1kladn\u00fa finan\u010dn\u00fa rezervu, nie to e\u0161te \u010fal\u0161\u00ed bal\u00edk pe\u0148az\u00ed na podobn\u00e9 ne\u010dakan\u00e9 a drah\u00e9 v\u00fddavky.&nbsp;<\/span><\/p>\n<\/blockquote>\n\n\n\n<p><span style=\"font-weight: 400;\">Ak sa chceme pozrie\u0165 na to, v ak\u00fdch situ\u00e1ci\u00e1ch a na ak\u00e9 \u0161kody sa m\u00f4\u017ee vz\u0165ahova\u0165 poistenie, mus\u00edme si najsk\u00f4r uvedomi\u0165 <\/span>rozdiel<strong> <span style=\"font-weight: 400;\">medzi poisten\u00edm nehnute\u013enosti a dom\u00e1cnosti<\/span><\/strong><span style=\"font-weight: 400;\">. Ve\u013emi zjednodu\u0161ene sa d\u00e1 poveda\u0165, \u017ee keby ste obr\u00e1tili v\u00e1\u0161 dom hore nohami, tak v\u0161etko \u010do z neho vypadne, patr\u00ed pod poistenie dom\u00e1cnosti, a \u010do nie, patr\u00ed pod poistenie nehnute\u013enosti.&nbsp;<\/span><\/p>\n\n\n\n<ul>\n<li><strong>Poistenie nehnute\u013enosti<\/strong><span style=\"font-weight: 400;\"> teda chr\u00e1ni n\u00e1\u0161 nehnute\u013en\u00fd majetok a vz\u0165ahuje na v\u0161etky steny a stavebn\u00e9 s\u00fa\u010dasti v\u00e1\u0161ho bytu \u010di domu ako je kuchynsk\u00e1 linka, vstavan\u00e9 skrine, radi\u00e1tor a podobne.&nbsp;<\/span><\/li>\n\n\n\n<li><strong>Poistenie dom\u00e1cnosti<span style=\"font-weight: 400;\"> <\/span><\/strong><span style=\"font-weight: 400;\">zas chr\u00e1ni hnute\u013en\u00fd majetok, teda zariadenie ako s\u00fa spotrebi\u010de, n\u00e1bytok, elektronika, obrazy a tak \u010falej.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Zab\u00fada\u0165 netreba ani na <\/span><strong>poistenie zodpovednosti za \u0161kodu<\/strong>, <span style=\"font-weight: 400;\">ktor\u00e9 sa sklad\u00e1 z poistenia zodpovednosti z vlastn\u00edctva a dr\u017eby nehnute\u013enosti alebo poistenia zodpovednosti z ob\u010dianskeho \u017eivota. To sl\u00fa\u017ei na pokrytie \u0161k\u00f4d, ktor\u00e9 nechtiac sp\u00f4sob\u00edte tretej strane, napr\u00edklad <a href=\"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia\/\">vytop\u00edte susedov.&nbsp;<\/a><\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"color: #ec8124;\">TIP:<\/span> <span style=\"font-weight: 400;\">Ide\u00e1lna je <\/span>kombin\u00e1cia<span style=\"font-weight: 400;\"> poistenia nehnute\u013enosti<\/span> vo\u010di \u017eiveln\u00fdm udalostiam<span style=\"font-weight: 400;\"> ako je v\u00edchrica, zemetrasenie, povodne \u010di z\u00e1plavy + poistenie<\/span> zariadenia dom\u00e1cnosti<span style=\"font-weight: 400;\"> + poistenie<\/span> zodpovednosti za \u0161kodu<span style=\"font-weight: 400;\"> spojen\u00fa s u\u017e\u00edvan\u00edm nehnute\u013enosti + poistenie zodpovednosti z ob\u010dianskeho \u017eivota. Ko\u013eko tak\u00e9to poistenie stoj\u00ed, si m\u00f4\u017eete porovna\u0165 aj v na\u0161ej kalkula\u010dke.&nbsp;<\/span><\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"block-visibility-hide-small-screen is-layout-constrained wp-block-group\"><div class=\"wp-block-group__inner-container\">\n<iframe src=\"https:\/\/www.fingo.sk\/banner\/poistenie-majetku\/version1?inNewWindow=1&amp;cpar=FINGO&amp;ref=7304cgEuEkscUYikEPjKIZi810BBQidTYbq&amp;utm_medium=BLOG&amp;utm_source=FINGO\" id=\"iframePropertyInsuranceV1\" style=\"min-height: 593px; width: 110%; border: none; height: 937px;\" loading=\"lazy\"><\/iframe>\n<\/div><\/div>\n\n\n\n<div class=\"block-visibility-hide-large-screen block-visibility-hide-medium-screen is-layout-constrained wp-block-group\"><div class=\"wp-block-group__inner-container\">\n<iframe src=\"https:\/\/www.fingo.sk\/banner\/poistenie-majetku\/version1?inNewWindow=1&amp;cpar=FINGO&amp;ref=7304cgEuEkscUYikEPjKIZi810BBQidTYbq&amp;utm_medium=BLOG&amp;utm_source=FINGO\" id=\"iframePropertyInsuranceV1\" style=\"min-height: 1300px; width: 100%; border: none; height: 937px;\" loading=\"lazy\"><\/iframe>\n<\/div><\/div>\n\n\n\n<h2><span style=\"color: #ec8124;\">Ak\u00e9 je krytie poistenia nehnute\u013enosti<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Medzi z\u00e1kladn\u00e9 poistn\u00e9 rizik\u00e1 pri poisten\u00ed nehnute\u013enosti patr\u00ed pr\u00e1ve <strong>poistenie proti \u017eivlom<\/strong>, ktor\u00e9 m\u00f4\u017eu nehnute\u013enos\u0165 tot\u00e1lne zni\u010di\u0165 alebo po\u0161kodi\u0165. S\u00fa to hlavne:<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">povode\u0148, z\u00e1plava&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">po\u017eiar, dym, expl\u00f3zia<\/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;\">krupobitie, atmosf\u00e9rick\u00e9 zr\u00e1\u017eky, \u0165archa snehu<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">zemetrasenie, r\u00e1zov\u00e1 vlna, lav\u00edna&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">zosuv p\u00f4dy, v\u00fdbuch sopky<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">p\u00e1d predmetov, n\u00e1raz vozidla alebo lietadla a in\u00e9<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Poistenie v\u0161ak m\u00f4\u017ee kry\u0165 aj in\u00e9 rizik\u00e1, naj\u010dastej\u0161ie si klienti volia:&nbsp;<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">kr\u00e1de\u017e, odcudzenie<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">vandalizmus<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">rozbitie skla<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">\u00fanik vody<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">zamrznutie vody v potrubiach a mera\u010doch<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">skrat<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Pois\u0165ovne pon\u00fakaj\u00fa aj r\u00f4zne \u010fal\u0161ie <strong>pripoistenia<\/strong>, ktor\u00e9 sa m\u00f4\u017eu svoj\u00edm rozsahom l\u00ed\u0161i\u0165 v z\u00e1vislosti od ka\u017edej pois\u0165ovne. To, vo\u010di ktor\u00fdm rizik\u00e1m sa viete poisti\u0165, z\u00e1vis\u00ed od ka\u017edej pois\u0165ovne aj od konkr\u00e9tneho bal\u00edka poistenia, ktor\u00fd dan\u00e1 pois\u0165ov\u0148a pon\u00faka. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\">TIP:<\/span> V pois\u0165ovniach s\u00fa aj rozdiely v tom, ako definuj\u00fa niektor\u00e9 rizik\u00e1, preto je lep\u0161ie sa pri v\u00fdbere vhodn\u00e9ho poistenia poradi\u0165 so sk\u00fasen\u00fdm odborn\u00edkom. Zavolajte n\u00e1m do FinGO.sk na <a href=\"tel:0800601060\"><span style=\"color: #ec8124;\">0800 60 10 60<\/span><\/a> alebo n\u00e1m&nbsp;<a href=\"https:\/\/www.fingo.sk\/kontakty\"><span style=\"color: #ec8124;\">zanechajte kontakt<\/span> <\/a>a spoj\u00edme v\u00e1s so sk\u00fasen\u00fdm makl\u00e9rom vo va\u0161om okol\u00ed.&nbsp;<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\">Na \u010do sl\u00fa\u017ei poistenie dom\u00e1cnosti<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Poistenie dom\u00e1cnosti sl\u00fa\u017ei <\/span>na ochranu zariadenia<span style=\"font-weight: 400;\"> nehnute\u013enosti<\/span><strong><span style=\"font-weight: 400;\">.<\/span> <\/strong><span style=\"font-weight: 400;\">Tak\u017ee pokryje finan\u010dn\u00e9 \u0161kody pri zni\u010den\u00fdch spotrebi\u010doch, elektronike, n\u00e1bytku, cenn\u00fdch obrazoch a podobne.<\/span><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\">Pr\u00edklad:<\/span> <span style=\"font-weight: 400;\">Predstavte si, \u017ee v\u00e1m v byte \u010di dome vysko\u010d\u00ed iskra z krbu rovno na v\u00e1\u0161 drah\u00fd koberec, gau\u010d \u010di ob\u00fdvaciu stenu. Tie za\u010dn\u00fa horie\u0165 a zadymen\u00edm sa zni\u010d\u00ed nielen n\u00e1bytok, ale aj drah\u00e1 elektronika a \u0161koda sa hne\u010f vy\u0161plh\u00e1 na p\u00e1r tis\u00edc eur. \u010eal\u0161\u00edm pr\u00edkladom m\u00f4\u017eu by\u0165 \u0161perky \u010di in\u00e9 cennosti, ktor\u00e9 v\u00e1m m\u00f4\u017eu odcudzi\u0165 zlodeji.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Pozor, aj pri dom\u00e1cnosti sa \u010dasto stret\u00e1vame s <strong>podpoisten\u00edm<\/strong>. Ak si k\u00fapite nehnute\u013enos\u0165 a po p\u00e1r rokoch ju zrekon\u0161truujete, a takisto si &#8222;vylep\u0161\u00edte&#8220; dom\u00e1cnos\u0165, napr\u00edklad si k\u00fapite nov\u00fa kvalitnej\u0161iu seda\u010dku, modernej\u0161iu elektroniku, pr\u00edpadne nejak\u00e9 umeleck\u00e9 dielo, ale poistn\u00fa sumu na zmluve si nezv\u00fd\u0161ite, aj t\u00fdmto sa <a href=\"https:\/\/www.fingo.sk\/zastarale-zmluvy\">vystavujete podpoisteniu. <\/a><\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">To znamen\u00e1, \u017ee pois\u0165ov\u0148a v\u00e1m pri ich po\u0161koden\u00ed m\u00f4\u017ee vyplati\u0165 menej pe\u0148az\u00ed, ktor\u00e9 si nek\u00fapite rovnako kvalitn\u00e9 zariadenie, elektroniku \u010di n\u00e1bytok.&nbsp;<\/span><\/p>\n<\/blockquote>\n\n\n\n<p>Z na\u0161ich sk\u00fasenost\u00ed nielen be\u017en\u00ed klienti, ale aj <strong>bytov\u00e9 dru\u017estv\u00e1, firmy a obce <\/strong>maj\u00fa uzavret\u00e9 10- aj 15-ro\u010dn\u00e9 poistn\u00e9 zmluvy, ktor\u00e9 si medzi\u010dasom nikdy neaktualizovali a preto ich dostato\u010dne nechr\u00e1nia. \u0160kody na majetku sa v niektor\u00fdch pr\u00edpadoch \u0161plhaj\u00fa aj k desiatkam tis\u00edcom eur, no musia ich uhradi\u0165 z vlastn\u00fdch zdrojov, ktor\u00e9 im ch\u00fdbaj\u00fa.<\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\">Ak\u00e9 je krytie poistenia dom\u00e1cnosti<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Podobn\u00e9 krytie ako pri poisten\u00ed nehnute\u013enosti v\u00e4\u010d\u0161inou pon\u00fakaj\u00fa pois\u0165ovne aj pri <strong>poisten\u00ed dom\u00e1cnosti<\/strong>. Ide hlavne o tieto rizik\u00e1:&nbsp;&nbsp;<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">\u017eiveln\u00e9 udalosti (povode\u0148, v\u00edchrica, krupobitie, zosuv p\u00f4dy a pod.)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">po\u017eiar, v\u00fdbuch \u010di \u00fader blesku<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">voda, \u0161kody na vodovodn\u00fdch potrubiach<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">kr\u00e1de\u017e, odcudzenie<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">vandalizmus<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Op\u00e4\u0165 plat\u00ed, \u017ee ka\u017ed\u00e1 pois\u0165ov\u0148a m\u00e1 svoje vlastn\u00e9 produkty a mo\u017enosti pripoisten\u00ed aj v oblasti poistenia dom\u00e1cnosti. Preto sa pri v\u00fdbere oplat\u00ed poradi\u0165 <a href=\"https:\/\/www.fingo.sk\/kontakty\">so sk\u00fasen\u00fdm odborn\u00edkom.&nbsp;<\/a><\/span><\/p>\n\n\n\n<p><strong><em>Viac o tom, ako sa pripravi\u0165 na \u017eiveln\u00e9 udalosti sa dozviete v blogu <a href=\"https:\/\/www.fingo.sk\/blog\/mate-svoj-majetok-poisteny-proti-povodni-a-zaplavam\/\">Poistenie proti povodni a z\u00e1plav\u00e1m: Ako na to?<\/a><\/em><\/strong><\/p>\n\n\n\n<p><\/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;\">Pre\u010do ma\u0165 poistenie komplexne na jednej zmluve<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Hoci sme si vy\u0161\u0161ie pop\u00edsali, \u010do zah\u0155\u0148a poistenie nehnute\u013enosti a dom\u00e1cnosti, v pois\u0165ovniach m\u00f4\u017ee by\u0165 niekedy<\/span> rozdiel, \u010do kam spad\u00e1<span style=\"font-weight: 400;\">.&nbsp;<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Napr\u00edklad <\/span>vonkaj\u0161ie \u017eal\u00fazie, kotol \u010di kuchynsk\u00e1 linka<span style=\"font-weight: 400;\"> s\u00fa zv\u00e4\u010d\u0161a definovan\u00e9 ako <\/span>stavebn\u00e9 s\u00fa\u010dasti <span style=\"font-weight: 400;\">a tie m\u00f4\u017eu v niektor\u00fdch pois\u0165ovniach spada\u0165 do poistenia nehnute\u013enosti, v in\u00fdch do dom\u00e1cnosti.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Aby ste boli chr\u00e1nen\u00ed v ka\u017edej oblasti a vyhli sa pr\u00edpadn\u00fdm nedorozumeniam, ide\u00e1lne je ma\u0165 <\/span>komplexn\u00e9 poistenie na jednej zmluve a v jednej pois\u0165ovni.<\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">V\u00fdhodou je aj <\/span>mo\u017en\u00e1 v\u00e4\u010d\u0161ia z\u013eava <span style=\"font-weight: 400;\">na zmluve a z\u00e1rove\u0148 nemus\u00edte sledova\u0165 viac poistn\u00fdch zml\u00fav a myslie\u0165 na ich v\u010dasn\u00e9 zaplatenie. Sta\u010d\u00ed si str\u00e1\u017ei\u0165 <\/span>jednu platbu.<\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Aj preto je lep\u0161ie ma\u0165 obe poistenia <\/span>na jednej zmluve <span style=\"font-weight: 400;\">v jednej pois\u0165ovni a prida\u0165 k nim tzv. zodpovednos\u0165. Ako sme u\u017e na\u010drtli vy\u0161\u0161ie, <\/span>poistenie zodpovednosti<span style=\"font-weight: 400;\"> kryje \u0161kody, ktor\u00e9 m\u00f4\u017eete sp\u00f4sobi\u0165 tret\u00edm osob\u00e1m \u010di u\u017e z dr\u017eby nehnute\u013enosti napr\u00edklad ak \u0161kodu sp\u00f4sob\u00ed spadnut\u00e1 \u0161kridla z va\u0161ej strechy alebo kvetin\u00e1\u010d z v\u00e1\u0161ho balk\u00f3na, alebo u\u017e\u00edvan\u00edm nehnute\u013enost\u00ed napr\u00edklad ak nechtiac vytop\u00edte suseda.<\/span><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">\u0160kodov\u00fa udalos\u0165 nahl\u00e1ste \u010do najsk\u00f4r a ria\u010fte sa pokynmi pois\u0165ovne<\/h2>\n\n\n\n<p>\u0160kody po povodni \u010di inej \u017eivelnej udalosti odpor\u00fa\u010dam <strong>nahl\u00e1si\u0165 do pois\u0165ovne \u010do najsk\u00f4r<\/strong>. M\u00f4\u017eete tak urobi\u0165 aj telefonicky alebo cez online formul\u00e1r na webe pois\u0165ovne. Aby nahl\u00e1senie poistnej udalosti a vyplatenie poistn\u00e9ho plnenia prebehlo r\u00fdchlo a bez probl\u00e9mov, d\u00f4le\u017eit\u00e9 je komunikova\u0165 s pois\u0165ov\u0148ou, riadi\u0165 sa jej pokynmi a doda\u0165 jej v\u0161etky vy\u017eiadan\u00e9 a \u00fapln\u00e9 podklady, aby nedo\u0161lo k spomaleniu likvid\u00e1cie.<\/p>\n\n\n\n<p>Pois\u0165ovne sa sna\u017eia pri \u0161kodov\u00fdch udalostiach vyjs\u0165 klientom v \u00fastrety a h\u013eadaj\u00fa rie\u0161enia, ako im pom\u00f4c\u0165. Preto je dobr\u00e9 op\u00fdta\u0165 sa pois\u0165ovne aj na <strong>asisten\u010dn\u00e9 slu\u017eby<\/strong>, ktor\u00e9 m\u00e1te ako klient k dispoz\u00edcii. Pois\u0165ov\u0148a v\u00e1m m\u00f4\u017ee pom\u00f4c\u0165 aj s n\u00e1hradn\u00fdm ubytovan\u00edm \u010di str\u00e1\u017een\u00edm po\u0161kodenej nehnute\u013enosti. M\u00f4\u017ee v\u00e1m takisto vyplati\u0165 peniaze vopred formou tzv. preddavkov\u00e9ho plnenia, aby ste mohli r\u00fdchlej\u0161ie za\u010da\u0165 s upratovac\u00edmi pr\u00e1cami, opravou zni\u010den\u00fdch vec\u00ed a podobne.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">10 r\u00e1d, ako postupova\u0165 pri povodni \u010di inej \u017eivelnej udalosti<\/h2>\n\n\n\n<ol type=\"1\">\n<li>\u0160kody po povodni \u010di inej \u017eivelnej udalosti bez zbyto\u010dn\u00e9ho odkladu nahl\u00e1ste do va\u0161ej pois\u0165ovne. Budete k tomu potrebova\u0165 va\u0161e \u00fadaje a \u010d\u00edslo poistnej zmluvy.<\/li>\n\n\n\n<li>Udalos\u0165 m\u00f4\u017eete vo v\u0161etk\u00fdch pois\u0165ovniach nahl\u00e1si\u0165 nielen osobne na pobo\u010dke pois\u0165ovne, ale aj telefonicky \u010di cez online formul\u00e1r na webovej str\u00e1nke pois\u0165ovne.<\/li>\n\n\n\n<li>\u010cakajte na in\u0161trukcie pois\u0165ovne. S odstra\u0148ovan\u00edm \u0161k\u00f4d sa nepon\u00e1h\u013eajte, ale rad\u0161ej po\u010dkajte na obhliadaj\u00faceho technika z pois\u0165ovne.&nbsp;<\/li>\n\n\n\n<li>V\u00fdnimkou s\u00fa situ\u00e1cie, kedy by vy\u010dk\u00e1vanie sp\u00f4sobilo \u010fal\u0161ie \u0161kody alebo zhor\u0161enie u\u017e existuj\u00facich \u0161k\u00f4d. V takom pr\u00edpade pred ich nutn\u00fdm odstr\u00e1nen\u00edm \u0161kody d\u00f4kladne nafo\u0165te a fotografie potom pri obhliadke dolo\u017e\u00edte do pois\u0165ovne.<\/li>\n\n\n\n<li>Pois\u0165ovne sa sna\u017eia pri \u0161kodov\u00fdch udalostiach vyjs\u0165 klientom v \u00fastrety a h\u013eadaj\u00fa rie\u0161enia, ako im pom\u00f4c\u0165. Op\u00fdtajte sa preto va\u0161ej pois\u0165ovne aj na asisten\u010dn\u00e9 slu\u017eby, ktor\u00e9 m\u00e1te k dispoz\u00edcii.&nbsp;<\/li>\n\n\n\n<li>Pois\u0165ov\u0148a m\u00f4\u017ee pom\u00f4c\u0165 aj s n\u00e1hradn\u00fdm ubytovan\u00edm \u010di str\u00e1\u017een\u00edm po\u0161kodenej nehnute\u013enosti. M\u00f4\u017ee v\u00e1m takisto vyplati\u0165 peniaze vopred, aby ste mohli r\u00fdchlej\u0161ie za\u010da\u0165 upratovacie pr\u00e1ce, opravu zni\u010den\u00fdch vec\u00ed a podobne &#8211; ide o tzv. preddavkov\u00e9 plnenie.&nbsp;<\/li>\n\n\n\n<li>Aby nahl\u00e1senie poistnej udalosti a vyplatenie poistn\u00e9ho plnenia prebehlo r\u00fdchlo a bez probl\u00e9mov, d\u00f4le\u017eit\u00e9 je komunikova\u0165 s pois\u0165ov\u0148ou, riadi\u0165 sa jej pokynmi a doda\u0165 jej v\u0161etky vy\u017eiadan\u00e9 a \u00fapln\u00e9 podklady, aby nedo\u0161lo k spomaleniu likvid\u00e1cie.&nbsp;<\/li>\n\n\n\n<li>Komunik\u00e1cia s pois\u0165ov\u0148ou je d\u00f4le\u017eit\u00e1 nielen pri prvotnej obhliadke, ale aj nesk\u00f4r po\u010das odstra\u0148ovania \u0161k\u00f4d a opr\u00e1v. Ak to bude potrebn\u00e9, pois\u0165ov\u0148a vykon\u00e1 aj \u010fal\u0161ie doobhliadky, na z\u00e1klade ktor\u00fdch likvid\u00e1tor m\u00f4\u017ee upravi\u0165 v\u00fd\u0161ku plnenia.&nbsp;<\/li>\n\n\n\n<li>Nezabudnite, \u017ee pois\u0165ovne vypl\u00e1caj\u00fa peniaze najm\u00e4 za vykonan\u00e9 opravy alebo za zak\u00fapenie vec\u00ed, ktor\u00e9 boli povod\u0148ou zni\u010den\u00e9. Toto v\u0161etko pois\u0165ovni mus\u00edte vydokladova\u0165 rozpisom vykonan\u00fdch pr\u00e1c, blo\u010dkami, fakt\u00farami a podobne.<\/li>\n\n\n\n<li>Peniaze od pois\u0165ovne by ste mali dosta\u0165 najnesk\u00f4r do 15 dn\u00ed od ukon\u010denia vy\u0161etrovania poistnej udalosti. K spomaleniu likvid\u00e1cie poistnej udalosti doch\u00e1dza najm\u00e4 vtedy, ak by ste pois\u0165ovni poskytli ne\u00fapln\u00e9 alebo zav\u00e1dzaj\u00face inform\u00e1cie.<\/li>\n<\/ol>\n\n\n\n<h2><span style=\"color: #ec8124;\">Najv\u00fdhodnej\u0161ie poistenie majetku&nbsp;<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Ak h\u013ead\u00e1te <strong>najv\u00fdhodnej\u0161ie poistenie<\/strong> pre v\u00e1\u0161 byt \u010di dom, <a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=poistenie_majetku\">porovnajte si dostupn\u00e9 majetkov\u00e9 poistenia<\/a> r\u00fdchlo a jednoducho v online kalkula\u010dke. Takisto ak sa chcete poradi\u0165 oh\u013eadom va\u0161ej existuj\u00facej poistnej zmluvy, skontaktujte sa s na\u0161imi sk\u00fasen\u00fdmi finan\u010dn\u00fdmi <a href=\"https:\/\/www.fingo.sk\/kontakty\">makl\u00e9rmi z FinGO.sk.<\/a> Poistn\u00fd trh a jeho produkty sa \u010dasom vyv\u00edjaj\u00fa a takisto si treba uvedomi\u0165, \u017ee ceny nehnute\u013enost\u00ed neust\u00e1le rast\u00fa a s nimi <\/span>st\u00fapa aj hodnota<span style=\"font-weight: 400;\"> v\u00e1\u0161ho majetku.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Preto ak m\u00e1te star\u0161ie poistenie a nehnute\u013enos\u0165 poisten\u00fa na ni\u017e\u0161iu poistn\u00fa sumu, v\u00e1\u0161 dom \u010di byt u\u017e m\u00f4\u017ee by\u0165 podpoisten\u00fd. Na\u0161i finan\u010dn\u00ed sprostredkovatelia va\u0161u zmluvu <a href=\"https:\/\/www.fingo.sk\/zastarale-zmluvy\">m\u00f4\u017eu skontrolova\u0165<\/a> a odporu\u010di\u0165 v\u00e1m, \u010di na trhu nie je poistenie, ktor\u00e9 by bolo pre v\u00e1s <\/span>v\u00fdhodnej\u0161ie<span style=\"font-weight: 400;\">. \u010ci u\u017e <\/span>cenovo, rozsahom poistn\u00e9ho krytia a asisten\u010dn\u00fdch slu\u017eieb,<span style=\"font-weight: 400;\"> alebo aj z viacer\u00fdch h\u013ead\u00edsk.<\/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<script>\n\n    (function(){\n\n        window.addEventListener('message', function(e) {\n\n          if (e.data.height) {\n\n            document.getElementById(e.data.iframeId).style.height = (e.data.height) + 'px';\n\n          };\n\n        }, false);\n\n    })();\n\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Po\u017eiar, povode\u0148 a z\u00e1plava, v\u00edchrica \u010di torn\u00e1do dok\u00e1\u017eu na nehnute\u013enostiach nap\u00e1cha\u0165 \u0161kody obrovsk\u00fdch rozmerov. Pr\u00edrodn\u00e9 \u017eivly ukazuj\u00fa st\u00e1le v\u00e4\u010d\u0161iu silu aj v na\u0161ich kon\u010din\u00e1ch, preto sa pred nimi mus\u00edme chr\u00e1ni\u0165 aj finan\u010dne. \u010ci u\u017e b\u00fdvate v dome alebo byte, mali by ste vedie\u0165, \u017ee poistenie nehnute\u013enosti a dom\u00e1cnosti ukroj\u00ed z rodinn\u00e9ho rozpo\u010dtu len p\u00e1r eur mesa\u010dne. Ale ke\u010f v\u00e1m v\u00edchrica strhne strechu, povode\u0148 vytop\u00ed pivnicu alebo v\u00e1m vyhor\u00ed byt, pois\u0165ov\u0148a v\u00e1m dok\u00e1\u017ee do p\u00e1r dn\u00ed vyplati\u0165 aj desiatky tis\u00edc eur. Viac sa dozviete v na\u0161om blogu. V \u010dl\u00e1nku sa do\u010d\u00edtate: Ak\u00e9 stavby si m\u00f4\u017eete poisti\u0165 S poisten\u00edm budete m\u00f4c\u0165 pokojne sp\u00e1va\u0165 a v\u0161etky ne\u010dakan\u00e9 situ\u00e1cie, \u010di u\u017e p\u00f4jde o vy\u010d\u00ed\u0148anie pr\u00edrodn\u00fdch \u017eivlov, kr\u00e1de\u017ee alebo vandalizmus, s finan\u010dnou injekciou od pois\u0165ovne zvl\u00e1dnete ove\u013ea \u013eah\u0161ie.&nbsp;Poistenie vr\u00e1tane nehnute\u013enosti, dom\u00e1cnosti aj zodpovednosti by ur\u010dite mal ma\u0165 uzavret\u00e9 ka\u017ed\u00fd majite\u013e nehnute\u013enosti, \u010di u\u017e vlastn\u00ed rodinn\u00fd dom, byt, rekrea\u010dn\u00fa chatu alebo aj gar\u00e1\u017e. Myslite aj na to, \u017ee ak kupujete nehnute\u013enos\u0165 na hypot\u00e9ku, banka v\u017edy vy\u017eaduje, aby bola zalo\u017een\u00e1 nehnute\u013enos\u0165 aj poisten\u00e1 a vinkulovan\u00e1 v jej prospech. 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