{"id":6892,"date":"2022-09-25T19:52:00","date_gmt":"2022-09-25T17:52:00","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=6892"},"modified":"2026-03-11T13:21:43","modified_gmt":"2026-03-11T12:21:43","slug":"poistenie-nehnutelnosti-a-domacnosti-7-rad-ako-na-to","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/poistenie-nehnutelnosti-a-domacnosti-7-rad-ako-na-to\/","title":{"rendered":"Poistenie nehnute\u013enosti a dom\u00e1cnosti: 7 r\u00e1d, ako na to"},"content":{"rendered":"\n<p><b>Bez poistenia nehnute\u013enosti hypot\u00e9ku nena\u010derp\u00e1te. Ale to neznamen\u00e1, \u017ee ho treba bra\u0165 len ako povinnos\u0165. Poistenie v prvom rade sl\u00fa\u017ei na to, aby v\u00e1s finan\u010dne chr\u00e1nilo pri ne\u010dakan\u00fdch \u0161kod\u00e1ch sp\u00f4soben\u00fdch po\u017eiarom, povod\u0148ou, v\u00edchricou \u010di \u0165archou snehu, ale napr\u00edklad aj pred vandalmi alebo zlodejmi. Na \u010do v\u0161etko myslie\u0165, ke\u010f sa chcete poisti\u0165 naozaj kvalitne?\u00a0<\/b><\/p>\n<p><strong>V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pre\u010do nesta\u010d\u00ed poisti\u0165 byt na v\u00fd\u0161ku hypot\u00e9ky<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ako si spr\u00e1vne stanovi\u0165 poistn\u00fa sumu bytu \u010di domu<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ak\u00e9 rozdiely s\u00fa v r\u00f4znych poistn\u00fdch produktoch pois\u0165ovn\u00ed<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pre\u010do si treba skontrolova\u0165 star\u0161iu zmluvu a \u010do je to podpoistenie<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ako si<\/span><a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\"><span style=\"font-weight: 400;\"> porovna\u0165 ponuky pois\u0165ovn\u00ed <\/span><\/a><span style=\"font-weight: 400;\">a vybra\u0165 najlep\u0161ie poistenie na trhu<\/span><\/li>\n<\/ul>\n<h2><span style=\"color: #ec8124;\"><b>7 r\u00e1d o poisten\u00ed nehnute\u013enosti a dom\u00e1cnosti<\/b><\/span><\/h2>\n<h3><span style=\"color: #ec8124;\"><b>1. Nesta\u010d\u00ed sa poisti\u0165 len na v\u00fd\u0161ku hypot\u00e9ky\u00a0<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Mnoho \u013eud\u00ed si mysl\u00ed, \u017ee sta\u010d\u00ed ak si poistia byt alebo dom len na <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/ako-si-vypocitate-maximalny-limit-hypoteky-a-tipy-ak-potrebujete-vyssi-uver\/\"><span style=\"font-weight: 400;\">v\u00fd\u0161ku hypot\u00e9ky<\/span><\/a><span style=\"font-weight: 400;\">, ktor\u00fa im poskytla banka. Ale to je nespr\u00e1vne uva\u017eovanie. Tak\u00e1to poistka v\u00e1s dostato\u010dne neochr\u00e1ni a va\u0161a nehnute\u013enos\u0165 bude podpoisten\u00e1. V pr\u00edpade poistnej udalosti, kedy m\u00f4\u017eete pr\u00eds\u0165 aj o cel\u00fd svoj majetok, v\u00e1m bud\u00fa ch\u00fdba\u0165 peniaze a m\u00f4\u017eete skon\u010di\u0165 vo finan\u010dn\u00fdch probl\u00e9moch.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>Pr\u00edklad:<\/b><\/span><span style=\"font-weight: 400;\"> Ak si kupujete byt za 200 000 \u20ac, ale banka v\u00e1m poskytne \u00faver napr\u00edklad len 150 000 \u20ac, nesta\u010d\u00ed si uzavrie\u0165 poistku len na poistn\u00fa sumu 150 000 \u20ac. V\u00fd\u0161ka poistn\u00e9ho krytia m\u00e1 zodpoveda\u0165 re\u00e1lnej hodnote v\u00e1\u0161ho majetku, za ktor\u00fa si ho viete nanovo zadov\u00e1\u017ei\u0165, ak by do\u0161lo k jeho tot\u00e1lnemu zni\u010deniu.<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>2. Poistite si nehnute\u013enos\u0165, dom\u00e1cnos\u0165 aj zodpovednos\u0165 za \u0161kodu<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Myslite aj na to, \u017ee kvalitn\u00e9 a komplexn\u00e9 poistenie v\u00e1\u0161ho bytu \u010di domu m\u00e1 obsahova\u0165 tri zlo\u017eky &#8211; poistenie nehnute\u013enosti, <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia\/\"><span style=\"font-weight: 400;\">poistenie dom\u00e1cnosti <\/span><\/a><span style=\"font-weight: 400;\">a poistenie zodpovednosti za \u0161kodu. Ka\u017ed\u00e9 z t\u00fdchto poisten\u00ed pln\u00ed svoj \u00fa\u010del a vz\u0165ahuje sa na in\u00e9 ne\u010dakan\u00e9 situ\u00e1cie, ktor\u00e9 po\u0161kodia nielen v\u00e1\u0161 majetok, ale aj majetok alebo zdravie tret\u00edch os\u00f4b.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Jedno poistenie napr\u00edklad pokryje \u0161kody na po\u0161kodenej streche a m\u00faroch v\u00e1\u0161ho domu, in\u00e9 sa bude vz\u0165ahova\u0165 na vybavenie ob\u00fdva\u010dky \u010di kuchyne, no a \u010fal\u0161ie zas pokryje \u0161kody, ktor\u00e9 nechtiac sp\u00f4sob\u00edte susedom alebo okoloid\u00facim. <\/span><\/p>\n<blockquote>\n<p><span style=\"font-weight: 400;\">Tak\u017ee keby ste si poistili len nehnute\u013enos\u0165 (\u010do je povinnos\u0165ou pri \u010derpan\u00ed hypot\u00e9ky), riskujete, \u017ee mnoh\u00e9 \u0161kody za\u0165a\u017eia v\u00e1\u0161 rodinn\u00fd rozpo\u010det.\u00a0\u00a0<\/span><\/p>\n<\/blockquote>\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">Viac o rozdieloch v jednotliv\u00fdch zlo\u017ek\u00e1ch poistenia &#8211; o poisten\u00ed nehnute\u013enosti, dom\u00e1cnosti aj zodpovednosti za \u0161kodu, si m\u00f4\u017eete pre\u010d\u00edta\u0165 v na\u0161om blogu <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/na-co-sluzi-poistenie-nehnutelnosti\/\"><span style=\"font-weight: 400;\">Na \u010do sl\u00fa\u017ei poistenie nehnute\u013enosti<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>3. Zv\u00e1\u017ete, proti ak\u00fdm rizik\u00e1m chcete by\u0165 chr\u00e1nen\u00ed<\/b><b>\u00a0\u00a0<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Pri v\u00fdbere vhodn\u00e9ho poistenia si dobre premyslite rozsah krytia, \u010di\u017ee proti ak\u00fdm rizik\u00e1m chcete svoj majetok ochr\u00e1ni\u0165. \u010ci p\u00f4jde napr\u00edklad len o pr\u00edrodn\u00e9 \u017eivly ako je v\u00edchrica, <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/mate-svoj-majetok-poisteny-proti-povodni-a-zaplavam\/\"><span style=\"font-weight: 400;\">povode\u0148 a z\u00e1plava<\/span><\/a><span style=\"font-weight: 400;\">, blesk, po\u017eiar a \u010fal\u0161ie, alebo chcete by\u0165 chr\u00e1nen\u00ed aj pred \u010fal\u0161\u00edmi neo\u010dak\u00e1van\u00fdmi a nepr\u00edjemn\u00fdmi situ\u00e1ciami &#8211; m\u00f4\u017ee \u00eds\u0165 o kr\u00e1de\u017ee, vandalizmus, skrat a prep\u00e4tie, rozbitie skla a podobne.\u00a0<\/span><\/p>\n<p><b><span style=\"color: #ec8124;\">Dobre vedie\u0165:<\/span><\/b><span style=\"font-weight: 400;\"> S\u00fa pois\u0165ovne, ktor\u00e9 maj\u00fa rizik\u00e1 konkr\u00e9tnych pr\u00edrodn\u00fdch \u017eivlov u\u017e v z\u00e1kladnom bal\u00edku, taktie\u017e s\u00fa pois\u0165ovne, kde si viete napr\u00edklad riziko povodne a z\u00e1plavy samostatne pripoisti\u0165 alebo s\u00fa aj pois\u0165ovne, kde s\u00fa tieto rizik\u00e1 obsiahnut\u00e9 len v t\u00fdch vy\u0161\u0161\u00edch, a teda aj drah\u0161\u00edch bal\u00edkoch. Rozdiely v poistnom kryt\u00ed samozrejme vpl\u00fdvaj\u00fa aj na cenu poistenia. Aj to, vo\u010di ktor\u00fdm rizik\u00e1m sa viete poisti\u0165, z\u00e1le\u017e\u00ed od ka\u017edej pois\u0165ovne aj od konkr\u00e9tneho poistn\u00e9ho bal\u00edka, ktor\u00fd si vyberiete.\u00a0<\/span><\/p>\n<p>Ak si v\u0161ak vyberiete najvy\u0161\u0161\u00ed bal\u00edk s komplexn\u00fdm kryt\u00edm, \u00faplne minimalizujete riziko, \u017ee v\u00e1s postihne pr\u00e1ve t\u00e1 udalos\u0165, ktor\u00fa by ste v ni\u017e\u0161om bal\u00edku nemali poisten\u00fa.<\/p>\n<p><span style=\"color: #ec8124;\"><b>TIP:<\/b><\/span><span style=\"font-weight: 400;\"> Preto v\u00fdber vhodnej pois\u0165ovne a produktu nepodce\u0148ujte a vyu\u017eite vedomosti sk\u00fasen\u00e9ho finan\u010dn\u00e9ho sprostredkovate\u013ea. Mo\u017enosti poistenia si m\u00f4\u017eete r\u00fdchlo porovna\u0165 aj v na\u0161ej praktickej kalkula\u010dke na <\/span><a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\"><span style=\"font-weight: 400;\">poistenie majetku.<\/span><\/a><\/p>\n<h3><a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=poistenie_majetku\"><img decoding=\"async\" class=\"aligncenter wp-image-6924 size-full\" 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\" width=\"1078\" height=\"984\" \/><\/a><\/h3>\n<h3><span style=\"color: #ec8124;\"><b>4. Ako si stanov\u00edte v\u00fd\u0161ku poistn\u00e9ho krytia<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Pri uzatv\u00e1ran\u00ed poistenia je ve\u013emi d\u00f4le\u017eit\u00e9 spr\u00e1vne ur\u010di\u0165 v\u00fd\u0161ku poistn\u00e9ho krytia &#8211; jednoducho povedan\u00e9 stanovi\u0165, na ak\u00fa hodnotu chcete va\u0161u nehnute\u013enos\u0165 a dom\u00e1cnos\u0165 poisti\u0165. <\/span><span style=\"font-weight: 400;\">Vyhnite sa tomu, \u017ee poistn\u00e1 suma nebude zodpoveda\u0165 hodnote domu, bytu \u010di chalupy, teda bude ni\u017e\u0161ia alebo bude naopak zbyto\u010dne nadhodnoten\u00e1.\u00a0<\/span><\/p>\n<blockquote>\n<p><span style=\"font-weight: 400;\">Na toto nezab\u00fadajte ani po rokoch, lebo poistku si treba raz za \u010das skontrolova\u0165 a zaktualizova\u0165. Ako na to?<\/span><\/p>\n<\/blockquote>\n<p><b><span style=\"color: #ec8124;\">Dobre vedie\u0165:<\/span> <\/b><span style=\"font-weight: 400;\">Pri byte jeho aktu\u00e1lnu hodnotu zist\u00edte napr\u00edklad porovnan\u00edm cien podobn\u00fdch bytov vo va\u0161ej lokalite, sta\u010d\u00ed si preklika\u0165 zop\u00e1r realitn\u00fdch port\u00e1lov. Pr\u00edpadne sa m\u00f4\u017eete riadi\u0165 v\u0161eobecnou hodnotou uvedenou v znaleckom posudku bytu, ktor\u00fd nie je star\u0161\u00ed ako 2 roky. Pri dome si sk\u00faste prer\u00e1ta\u0165, za ak\u00fa sumu by ste ho v s\u00fa\u010dasnosti vedeli postavi\u0165. Alebo ak m\u00e1te na dom vyhotoven\u00fd znaleck\u00fd posudok, ktor\u00fd nie je star\u0161\u00ed ako 2 \u010di 3 roky, m\u00f4\u017eete pri \u0148om vych\u00e1dza\u0165 z v\u00fdchodiskovej hodnoty. V pr\u00edpade star\u0161\u00edch znaleck\u00fdch posudkov bu\u010fte opatrn\u00ed. Ceny v nich u\u017e d\u00e1vno nemusia odr\u00e1\u017ea\u0165 aktu\u00e1lnu hodnotu nehnute\u013enosti.<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>TIP:<\/b><\/span><span style=\"font-weight: 400;\"> Aj so spr\u00e1vnym nastaven\u00edm poistnej sumy v\u00e1m pom\u00f4\u017ee sk\u00fasen\u00fd finan\u010dn\u00fd sprostredkovate\u013e. Zavolajte n\u00e1m do FinGO.sk na\u00a0<a href=\"tel:0800601060\">0800 60 10 60<\/a> alebo n\u00e1m <\/span><a href=\"https:\/\/www.fingo.sk\/kontakty\"><span style=\"font-weight: 400;\">zanechajte kontakt<\/span><\/a><span style=\"font-weight: 400;\"> a my sa v\u00e1m ozveme.\u00a0<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>5. Star\u0161iu poistn\u00fa zmluvu rad\u0161ej skontrolujte\u00a0\u00a0\u00a0\u00a0<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ako sme u\u017e nazna\u010dili vy\u0161\u0161ie, ak m\u00e1te uzavret\u00e9 star\u0161ie poistenie, po\u017eiadajte <a href=\"https:\/\/www.fingo.sk\/kontakty\">odborn\u00edka,<\/a> nech ho skontroluje. M\u00f4\u017ee toti\u017e obsahova\u0165 n\u00edzke poistn\u00e9 sumy, pr\u00edpadne len jednu \u010di dve zlo\u017eky poistenia. T\u00fdm p\u00e1dom by ste sa mohli do\u017ei\u0165 nepr\u00edjemn\u00e9ho prekvapenia a v pr\u00edpade poistnej udalosti sa dosta\u0165 do finan\u010dn\u00fdch probl\u00e9mov.\u00a0<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>Pr\u00edklad:<\/b><\/span><span style=\"font-weight: 400;\"> Uvedieme si to na pr\u00edklade poisten\u00e9ho rodinn\u00e9ho domu, ktor\u00fd po\u0161kod\u00ed povode\u0148 alebo z\u00e1plava. P<\/span><span style=\"font-weight: 400;\">ri ne\u010dakanej \u017eivelnej udalosti, ktor\u00fdch je v poslednej dobe pre klimatick\u00e9 zmeny ve\u013ea, m\u00f4\u017eete zisti\u0165, \u017ee v\u00e1s va\u0161a poistn\u00e1 zmluva re\u00e1lne neochr\u00e1ni. Platili ste si ju cel\u00e9 roky, ale zbyto\u010dne.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pre\u010do? V tom lep\u0161om pr\u00edpade bude obsahova\u0165 aj riziko povodne a z\u00e1plavy, av\u0161ak m\u00f4\u017ee ma\u0165 nespr\u00e1vne alebo nedostato\u010dne nastaven\u00fa poistn\u00fa sumu pre nehnute\u013enos\u0165 alebo pre dom\u00e1cnos\u0165. Pr\u00edpadne sa krytie v r\u00e1mci va\u0161ej zmluvy vz\u0165ahuje len \u010disto na stavbu alebo len na zariadenie dom\u00e1cnosti.<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>TIP:<\/b><\/span><span style=\"font-weight: 400;\"> Preto nev\u00e1hajte a oslovte na\u0161ich odborn\u00edkov, ktor\u00ed v\u00e1m zmluvu <\/span><a href=\"https:\/\/www.fingo.sk\/zastarale-zmluvy\"><span style=\"font-weight: 400;\">skontroluj\u00fa bezplatne.<\/span><\/a><\/p>\n<h3><span style=\"color: #ec8124;\"><b>6. Nepodce\u0148ujte podpoistenie, ukr\u00fdva probl\u00e9my<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ur\u010dite ste u\u017e po\u010duli o podpoisten\u00ed, ktor\u00e9 b\u00fdva jedn\u00fdm z naj\u010dastej\u0161\u00edch probl\u00e9mov star\u0161\u00edch poistn\u00fdch zml\u00fav. Aby ste sa mu pri poisten\u00ed bytu, domu alebo chalupy vyhli, a<\/span><span style=\"font-weight: 400;\">j toto si m\u00f4\u017eeme vysvetli\u0165 na pr\u00edklade.\u00a0<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>Pr\u00edklad:<\/b><\/span><span style=\"font-weight: 400;\"> Pre ilustr\u00e1ciu si predstavme, \u017ee ste si pred 5 rokmi k\u00fapili byt za 130 000 eur, ktor\u00fd ste si poistili na t\u00fato sumu. Len\u017ee ceny nehnute\u013enost\u00ed raketovo vzr\u00e1stli a v\u00e1\u0161 byt dnes m\u00f4\u017ee ma\u0165 aj o 30 % vy\u0161\u0161iu hodnotu. V bytovke d\u00f4jde k po\u017eiaru, v\u00e1\u0161 byt je zni\u010den\u00fd, v tom lep\u0161om pr\u00edpade len vydymen\u00fd a \u0161koda sa vy\u0161plh\u00e1 na nieko\u013eko-tis\u00edc eur. <\/span><\/p>\n<blockquote>\n<p><span style=\"font-weight: 400;\">M\u00f4\u017ee sa sta\u0165, \u017ee v\u00e1m pois\u0165ov\u0148a nepreplat\u00ed cel\u00fa \u0161kodu, ale len pomern\u00fa \u010das\u0165, nako\u013eko poistn\u00e1 suma nezodpoved\u00e1 aktu\u00e1lnej hodnote v\u00e1\u0161ho bytu. Pred podpoisten\u00edm v\u00e1s \u010diasto\u010dne ochr\u00e1ni nastavenie index\u00e1cie na va\u0161ej poistnej zmluve a poistn\u00e1 suma sa v\u00e1m bude pri v\u00fdro\u010d\u00ed navy\u0161ova\u0165 o index n\u00e1rastu cien v stavebn\u00edctve.<\/span><\/p>\n<\/blockquote>\n<h3><span style=\"color: #ec8124;\"><b>7. Uzatvorte si cenovo v\u00fdhodn\u00e9 poistenie<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u010ci u\u017e potrebujete poistenie na nov\u00fa nehnute\u013enos\u0165 alebo u\u017e poistku m\u00e1te a chcete si ju skontrolova\u0165 a porovna\u0165 s aktu\u00e1lnymi ponukami na trhu, nezab\u00fadajte, \u017ee produkty pois\u0165ovn\u00ed sa l\u00ed\u0161ia rozsahom krytia, aj cenovo.<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Rozdiely s\u00fa aj v poistn\u00fdch limitoch, mo\u017enostiach pripoisten\u00ed ako s\u00fa napr\u00edklad dom\u00e1ci mil\u00e1\u010dikovia, bicykel a elektrobicykel, z\u00e1hrada alebo <\/span><a style=\"font-size: revert;\" href=\"https:\/\/www.fingo.sk\/blog\/aj-zniceny-nahrobny-pomnik-mozete-opravit-z-poistky\/\">n\u00e1hrobn\u00fd kame\u0148<\/a><span style=\"font-weight: 400;\">, a takisto aj v rozsahu asisten\u010dn\u00fdch slu\u017eieb.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Preto si nezis\u0165ujte mo\u017enosti poistenia len v jednej pois\u0165ovni, ale urobte si prieskum naprie\u010d cel\u00fdm trhom.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ponuky v pois\u0165ovniach si m\u00f4\u017eete r\u00fdchlo a jednoducho porovna\u0165 zadan\u00edm z\u00e1kladn\u00fdch \u00fadajov <\/span><a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\"><span style=\"font-weight: 400;\">do na\u0161ej kalkula\u010dky.<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Na rozdiel od banky v\u00e1m vieme objekt\u00edvne porovna\u0165 a odporu\u010di\u0165 to najvhodnej\u0161ie poistenie z cel\u00e9ho na trhu.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Na\u0161i makl\u00e9ri <a href=\"https:\/\/www.fingo.sk\/kontakty\">z FinGO.sk<\/a> v\u00e1m nastavia poistn\u00e9 sumy a rozsah poistn\u00e9ho krytia tak, aby va\u0161e poistenie bolo kvalitn\u00e9, cenovo v\u00fdhodn\u00e9 a aby v\u00e1s chr\u00e1nilo pre v\u0161etky situ\u00e1cie, ktor\u00e9 sa v\u00e1m m\u00f4\u017eu prihodi\u0165.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"> Zavolajte n\u00e1m do FinGO.sk na\u00a0<a href=\"tel:0800601060\">0800 60 10 60<\/a> alebo n\u00e1m <\/span><a href=\"https:\/\/www.fingo.sk\/kontakty\"><span style=\"font-weight: 400;\">zanechajte kontakt<\/span><\/a><span style=\"font-weight: 400;\"> vo formul\u00e1ri ni\u017e\u0161ie a my sa v\u00e1m ozveme.\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","protected":false},"excerpt":{"rendered":"<p>Bez poistenia nehnute\u013enosti hypot\u00e9ku nena\u010derp\u00e1te. Ale to neznamen\u00e1, \u017ee ho treba bra\u0165 len ako povinnos\u0165. Poistenie v prvom rade sl\u00fa\u017ei na to, aby v\u00e1s finan\u010dne chr\u00e1nilo pri ne\u010dakan\u00fdch \u0161kod\u00e1ch sp\u00f4soben\u00fdch po\u017eiarom, povod\u0148ou, v\u00edchricou \u010di \u0165archou snehu, ale napr\u00edklad aj pred vandalmi alebo zlodejmi. Na \u010do v\u0161etko myslie\u0165, ke\u010f sa chcete poisti\u0165 naozaj kvalitne?\u00a0 V \u010dl\u00e1nku sa do\u010d\u00edtate: Pre\u010do nesta\u010d\u00ed poisti\u0165 byt na v\u00fd\u0161ku hypot\u00e9ky Ako si spr\u00e1vne stanovi\u0165 poistn\u00fa sumu bytu \u010di domu Ak\u00e9 rozdiely s\u00fa v r\u00f4znych poistn\u00fdch produktoch pois\u0165ovn\u00ed Pre\u010do si treba skontrolova\u0165 star\u0161iu zmluvu a \u010do je to podpoistenie Ako si porovna\u0165 ponuky pois\u0165ovn\u00ed a vybra\u0165 najlep\u0161ie poistenie na trhu 7 r\u00e1d o poisten\u00ed nehnute\u013enosti a dom\u00e1cnosti 1. Nesta\u010d\u00ed sa poisti\u0165 len na v\u00fd\u0161ku hypot\u00e9ky\u00a0 Mnoho \u013eud\u00ed si mysl\u00ed, \u017ee sta\u010d\u00ed ak si poistia byt alebo dom len na v\u00fd\u0161ku hypot\u00e9ky, ktor\u00fa im poskytla banka. Ale to je nespr\u00e1vne uva\u017eovanie. Tak\u00e1to poistka v\u00e1s dostato\u010dne neochr\u00e1ni a va\u0161a nehnute\u013enos\u0165 bude podpoisten\u00e1. V pr\u00edpade poistnej udalosti, kedy m\u00f4\u017eete pr\u00eds\u0165 aj o cel\u00fd svoj majetok, v\u00e1m bud\u00fa ch\u00fdba\u0165 peniaze a m\u00f4\u017eete skon\u010di\u0165 vo finan\u010dn\u00fdch probl\u00e9moch.\u00a0\u00a0 Pr\u00edklad: Ak si kupujete byt za 200 000 \u20ac, ale banka v\u00e1m poskytne \u00faver napr\u00edklad len 150 000 \u20ac, nesta\u010d\u00ed si uzavrie\u0165 poistku len na [&hellip;]<\/p>\n","protected":false},"author":58,"featured_media":6894,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,75,16],"tags":[279,60,280,115,59],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Poistenie nehnute\u013enosti a dom\u00e1cnosti: 7 r\u00e1d, ako na to - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Uzatvorte si kvalitn\u00e9 poistenie nehnute\u013enosti a dom\u00e1cnosti. 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Porad\u00edme v\u00e1m, ako na to\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.sk\/blog\/poistenie-nehnutelnosti-a-domacnosti-7-rad-ako-na-to\/\" \/>\n<meta property=\"og:site_name\" content=\"FinGO.sk\" \/>\n<meta property=\"article:published_time\" content=\"2022-09-25T17:52:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-11T12:21:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2022\/12\/blog_poistenie-majetku.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\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=\"7 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-nehnutelnosti-a-domacnosti-7-rad-ako-na-to\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/poistenie-nehnutelnosti-a-domacnosti-7-rad-ako-na-to\/\"},\"author\":{\"name\":\"Juliana Arvaiov\u00e1\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/6cd0d5bd48b1be52f3486f039fd1ebdf\"},\"headline\":\"Poistenie nehnute\u013enosti a dom\u00e1cnosti: 7 r\u00e1d, ako na to\",\"datePublished\":\"2022-09-25T17:52:00+00:00\",\"dateModified\":\"2026-03-11T12:21:43+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/poistenie-nehnutelnosti-a-domacnosti-7-rad-ako-na-to\/\"},\"wordCount\":1607,\"publisher\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#organization\"},\"keywords\":[\"poistenie bytu\",\"Poistenie dom\u00e1cnosti\",\"poistenie domu\",\"Poistenie majetku\",\"Poistenie nehnute\u013enosti\"],\"articleSection\":[\"Fingo rad\u00ed\",\"Ne\u017eivotn\u00e9 poistenie\",\"Poistenie majetku\"],\"inLanguage\":\"sk-SK\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/poistenie-nehnutelnosti-a-domacnosti-7-rad-ako-na-to\/\",\"url\":\"https:\/\/www.fingo.sk\/blog\/poistenie-nehnutelnosti-a-domacnosti-7-rad-ako-na-to\/\",\"name\":\"Poistenie nehnute\u013enosti a dom\u00e1cnosti: 7 r\u00e1d, ako na to - FinGO.sk\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#website\"},\"datePublished\":\"2022-09-25T17:52:00+00:00\",\"dateModified\":\"2026-03-11T12:21:43+00:00\",\"description\":\"Uzatvorte si kvalitn\u00e9 poistenie nehnute\u013enosti a dom\u00e1cnosti. 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