{"id":8735,"date":"2024-02-23T11:31:37","date_gmt":"2024-02-23T10:31:37","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=8735"},"modified":"2024-02-23T11:31:41","modified_gmt":"2024-02-23T10:31:41","slug":"poistenie-fotovoltiky-5-rad-na-co-davat-pozor","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/poistenie-fotovoltiky-5-rad-na-co-davat-pozor\/","title":{"rendered":"Poistenie fotovoltiky: 5 r\u00e1d, na \u010do d\u00e1va\u0165 pozor"},"content":{"rendered":"\n<p><strong>Boom fotovoltick\u00fdch elektr\u00e1rn\u00ed. Tak mo\u017eno nazva\u0165 situ\u00e1ciu, ktor\u00e1 nastala v obdob\u00ed zvy\u0161ovania cien energi\u00ed. Aj vy pri poh\u013eade na fakt\u00fary prem\u00fd\u0161\u013eate ako u\u0161etri\u0165 a hospod\u00e1ri\u0165 efekt\u00edvnej\u0161ie? Ak si pl\u00e1nujete na rodinn\u00fd dom namontova\u0165 fotovoltiku alebo ste tak u\u017e urobili, nezabudnite, \u017ee si ju treba aj poisti\u0165. Na \u010do v\u0161etko d\u00e1va\u0165 pozor, aby ste po ne\u0161\u0165astnej udalosti nepri\u0161li o kopec pe\u0148az\u00ed?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">V \u010dl\u00e1nku so dozviete:<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-1-sol-rne-panely-m-u-st-aj-20-tis-c-eur-vyhnite-sa-podpoisteniu\">1. Sol\u00e1rne panely m\u00f4\u017eu st\u00e1\u0165 aj 20-tis\u00edc eur. Vyhnite sa podpoisteniu<\/a><\/li><li class=\"\"><a href=\"#htoc-2-poistn-sa-dramaticky-nezv-i-priplat-te-si-p-r-eur-ro-ne\">2. Poistn\u00e9 sa dramaticky nezv\u00fd\u0161i, priplat\u00edte si p\u00e1r eur ro\u010dne<\/a><\/li><li class=\"\"><a href=\"#htoc-3-pozor-na-skrat-i-vyhorenie-nie-ka-d-pois-ov-a-v-s-poist-dostato-ne\">3. Pozor na skrat \u010di vyhorenie, nie ka\u017ed\u00e1 pois\u0165ov\u0148a v\u00e1s poist\u00ed dostato\u010dne<\/a><\/li><li class=\"\"><a href=\"#htoc-4-pois-ovne-rozli-uj-aj-to-kde-je-fotovoltika-namontovan\">4. Pois\u0165ovne rozli\u0161uj\u00fa aj to, kde je fotovoltika namontovan\u00e1<\/a><\/li><li class=\"\"><a href=\"#htoc-5-nezabudnite-na-poistenie-zodpovednosti-z-vlastn-ctva-nehnute-nosti\">5. Nezabudnite na poistenie zodpovednosti z vlastn\u00edctva nehnute\u013enosti<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<p>S cie\u013eom u\u0161etri\u0165 si sol\u00e1rne panely montuje \u010doraz viac dom\u00e1cnosti, firiem aj obc\u00ed. \u010casto ale zab\u00fadaj\u00fa na to, \u017ee po in\u0161tal\u00e1cii fotovoltiky by mali aktualizova\u0165 aj svoje poistenie nehnute\u013enosti a nav\u00fd\u0161i\u0165 si poistn\u00fa sumu o hodnotu sol\u00e1rnej elektr\u00e1rne. Ale nielen to.<\/p>\n\n\n\n<p>Nie je jedno, kde je va\u0161a nehnute\u013enos\u0165 poisten\u00e1. <a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\">Pois\u0165ovne<\/a> toti\u017e maj\u00fa r\u00f4zne podmienky technick\u00fdch riz\u00edk ako s\u00fa prep\u00e4tie, podp\u00e4tie, skrat a nepriamy \u00fader blesku, ktor\u00e9 s\u00fa pri sol\u00e1rnych elektr\u00e1r\u0148ach d\u00f4le\u017eit\u00e9. Odpor\u00fa\u010dam zvoli\u0165 si pois\u0165ov\u0148u, ktor\u00e1 m\u00e1 najvy\u0161\u0161\u00ed limit poistn\u00e9ho plnenia pre tieto rizik\u00e1. Viac si povieme v tomto \u010dl\u00e1nku ni\u017e\u0161ie.<\/p>\n\n\n\n<h2 class=\"has-text-color\" id=\"htoc-1-sol-rne-panely-m-u-st-aj-20-tis-c-eur-vyhnite-sa-podpoisteniu\" style=\"color:#ec8124\">1. Sol\u00e1rne panely m\u00f4\u017eu st\u00e1\u0165 aj 20-tis\u00edc eur. Vyhnite sa podpoisteniu<\/h2>\n\n\n\n<p>Sol\u00e1rne panely m\u00f4\u017eu zv\u00fd\u0161i\u0165 hodnotu domu \u010di in\u00e9ho objektu aj o desiatky tis\u00edc eur. Ak k tomu pripo\u010d\u00edtame infl\u00e1ciu, poistn\u00e1 udalos\u0165 m\u00f4\u017ee prinies\u0165 v\u00e4\u010d\u0161ie probl\u00e9my ako sa na prv\u00fd poh\u013ead m\u00f4\u017ee zda\u0165.<\/p>\n\n\n\n<ul>\n<li>Fotovoltika namontovan\u00e1 na rodinnom dome m\u00f4\u017ee ma\u0165 hodnotu aj 10- \u010di 20-tis\u00edc eur, v pr\u00edpade v\u00e4\u010d\u0161\u00edch firemn\u00fdch \u010di obecn\u00fdch objektov to m\u00f4\u017ee by\u0165 ove\u013ea viac.<\/li>\n\n\n\n<li>Ak nehnute\u013enos\u0165 u\u017e m\u00e1te poisten\u00fa, ur\u010dite by ste si mali vo svojej poistnej zmluve aktualizova\u0165 poistn\u00fa sumu.<\/li>\n\n\n\n<li>Keby ste ju nenav\u00fd\u0161il, hrozilo by v\u00e1m podpoistenie a v pr\u00edpade poistnej udalosti v\u00e1m pois\u0165ov\u0148a m\u00f4\u017ee vyplati\u0165 menej pe\u0148az\u00ed ako bude potrebova\u0165.<\/li>\n<\/ul>\n\n\n\n<p>\u017dia\u013e, na Slovensku je podpoisten\u00e1 drviv\u00e1 v\u00e4\u010d\u0161ina rodinn\u00fdch domov a bytov, ale aj firemn\u00fdch \u010di obecn\u00fdch budov. Klienti tak prich\u00e1dzaj\u00fa o peniaze, no uvedomia si to a\u017e po \u0161kodov\u00fdch udalostiach ke\u010f nemaj\u00fa z \u010doho zaplati\u0165 opravy.<\/p>\n\n\n\n<p><strong>Pr\u00edklad:<\/strong> Ak je rodinn\u00fd dom poisten\u00fd na 100 000 eur, ale jeho hodnota s fotovoltikou vzrastie na 120 000 eur a klient si poistn\u00fa sumu nenav\u00fd\u0161i, na dome vznikne 20 %-tn\u00e9 podpoistenie. Ke\u010f mu pri po\u017eiari zhor\u00ed strecha a za opravu zaplat\u00ed 10 000 eur, pois\u0165ov\u0148a mu m\u00f4\u017ee kr\u00e1ti\u0165 plnenie a vyplat\u00ed mu len 8 000 eur.<\/p>\n\n\n\n<p><strong>TIP: <\/strong>Je dobr\u00e9, aby v\u00e1m odborn\u00edk <a href=\"https:\/\/www.fingo.sk\/zastarale-zmluvy\">skontroloval poistn\u00fa zmluvu <\/a>nielen po rekon\u0161trukcii \u010di inom sp\u00f4sobe zv\u00fd\u0161enia hodnoty nehnute\u013enost\u00ed, ale pravidelne aspo\u0148 ka\u017ed\u00e9 2 a\u017e 3 roky. Podpoistenie toti\u017e vznik\u00e1 aj vplyvom rastu cien real\u00edt a infl\u00e1cie.&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong><em>Odpor\u00fa\u010dame v\u00e1m aj \u010dl\u00e1nok <\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/overte-si-ci-nemate-vasu-nehnutelnost-podpoistenu-mozete-usetrit-tisice-eur\/\"><strong><em>Overte si, \u010di nem\u00e1te va\u0161u nehnute\u013enos\u0165 podpoisten\u00fa. M\u00f4\u017eete u\u0161etri\u0165 tis\u00edce eur <\/em><\/strong><\/a><strong><em><\/em><\/strong><\/p>\n\n\n\n<h2 class=\"has-text-color\" id=\"htoc-2-poistn-sa-dramaticky-nezv-i-priplat-te-si-p-r-eur-ro-ne\" style=\"color:#ec8124\">2. Poistn\u00e9 sa dramaticky nezv\u00fd\u0161i, priplat\u00edte si p\u00e1r eur ro\u010dne<\/h2>\n\n\n\n<p>Ak si zv\u00fd\u0161ite poistn\u00fa sumu o hodnotu fotovoltiky, ro\u010dn\u00e9 poistn\u00e9 v\u00e1s vyjde len o p\u00e1r eur viac. Napr\u00edklad komplexn\u00e9 poistenie nehnute\u013enosti pre rodinn\u00fd dom v hodnote 150 000 eur stoj\u00ed od 80 do 210 eur v z\u00e1vislosti od pois\u0165ovne.<\/p>\n\n\n\n<p>Ak si namontujete fotovoltiku napr\u00edklad za 10 000 eur, po nav\u00fd\u0161en\u00ed poistnej sumy na 160 000 eur v\u00e1s ro\u010dn\u00e9 poistn\u00e9 bude st\u00e1\u0165 len o 2 a\u017e 6 eur eur viac. Ak by va\u0161a fotovoltick\u00e1 elektr\u00e1re\u0148 mala vy\u0161\u0161iu hodnotu, napr\u00edklad 20 000 eur, pri poistnej sume 170 000 eur ro\u010dne za poistku zaplat\u00edte od 85 do 221 eur.<\/p>\n\n\n\n<p>Pozrite sa na pr\u00edklady poistenia nehnute\u013enosti s fotovoltikou a bez nej. Rozdiel vo v\u00fd\u0161ke poistn\u00e9ho b\u00fdva len r\u00e1dovo nieko\u013eko eur ro\u010dne.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"591\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/02\/pojisteni-fotovoltaiky.png\" alt=\"\" class=\"wp-image-8743\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/02\/pojisteni-fotovoltaiky.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/02\/pojisteni-fotovoltaiky-300x173.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/02\/pojisteni-fotovoltaiky-768x443.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"has-text-color\" id=\"htoc-3-pozor-na-skrat-i-vyhorenie-nie-ka-d-pois-ov-a-v-s-poist-dostato-ne\" style=\"color:#ec8124\">3. Pozor na skrat \u010di vyhorenie, nie ka\u017ed\u00e1 pois\u0165ov\u0148a v\u00e1s poist\u00ed dostato\u010dne<\/h2>\n\n\n\n<p>Medzi klasick\u00e9 rizik\u00e1 s\u00favisiace s pou\u017e\u00edvan\u00edm fotovoltickej elektr\u00e1rne patr\u00ed prep\u00e4tie a podp\u00e4tie, ktor\u00e9 m\u00f4\u017eu vies\u0165 k skratu elektromotora a vyhoreniu syst\u00e9mu. Takisto m\u00f4\u017ee d\u00f4js\u0165 k technickej poruche syst\u00e9mu.<\/p>\n\n\n\n<p>Sol\u00e1rne panely sa nevyh\u00fdbaj\u00fa ani p\u00f4sobeniu \u017eivlov ako je v\u00edchrica, krupobitie, priamy \u00fader blesku, po\u017eiar \u010di v\u00fdbuch.<\/p>\n\n\n\n<ul>\n<li>\u017divly ako aj technick\u00e9 rizik\u00e1 maj\u00fa pois\u0165ovne <a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\">v z\u00e1kladnom bal\u00edku poistenia<\/a>, tak\u017ee ich netreba pripois\u0165ova\u0165 zvl\u00e1\u0161\u0165.<\/li>\n\n\n\n<li>Ale pozor na to, nie v\u0161ade v\u00e1m poistia fotovoltiku v dostato\u010dnej v\u00fd\u0161ke.<\/li>\n\n\n\n<li>Niektor\u00e9 pois\u0165ovne maj\u00fa pri technick\u00fdch rizik\u00e1ch fixn\u00fd limit plnenia napr\u00edklad do sumy 1 000 eur, in\u00e9 poskytuj\u00fa percentu\u00e1lne plnenie aj do 100 % z poistnej sumy.<\/li>\n<\/ul>\n\n\n\n<p><strong>TIP: <\/strong>Rozhodne odpor\u00fa\u010dam zvoli\u0165 si pois\u0165ov\u0148u, ktor\u00e1 pri technick\u00fdch rizik\u00e1ch uplat\u0148uje percentu\u00e1lne plnenie. Je predsa rozdiel, \u010di v\u00e1m napr\u00edklad po vyhoren\u00ed fotovoltiky pois\u0165ov\u0148a vyplat\u00ed 1 000 eur alebo 20 000 eur.<\/p>\n\n\n\n<p><strong><em>\u010eal\u0161ie tipy, ako si poisti\u0165 majetok, sa dozviete v blogu <a href=\"https:\/\/www.fingo.sk\/blog\/poistenie-nehnutelnosti-a-domacnosti-7-rad-ako-na-to\/\">Poistenie nehnute\u013enosti a dom\u00e1cnosti: 7 r\u00e1d ako na to<\/a><\/em><\/strong><\/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 class=\"has-text-color\" id=\"htoc-4-pois-ovne-rozli-uj-aj-to-kde-je-fotovoltika-namontovan\" style=\"color:#ec8124\">4. Pois\u0165ovne rozli\u0161uj\u00fa aj to, kde je fotovoltika namontovan\u00e1<\/h2>\n\n\n\n<p>Konkr\u00e9tny sp\u00f4sob in\u0161tal\u00e1cie panelov a ich presn\u00e9 umiestnenie s\u00fa z poh\u013eadu poistenia takisto d\u00f4le\u017eit\u00e9. Ak si nain\u0161talujete sol\u00e1rne panely na strechu domu, pois\u0165ov\u0148a ich automaticky berie ako stavebn\u00fa s\u00fa\u010das\u0165 nehnute\u013enosti a zar\u00e1ta ich do celkovej hodnoty nehnute\u013enosti. Ale ak by ste mali panely na ved\u013eaj\u0161ej stavbe, napr\u00edklad na gar\u00e1\u017ei, m\u00f4\u017eu sa na \u0148u vz\u0165ahova\u0165 in\u00e9 poistn\u00e9 podmienky.<\/p>\n\n\n\n<p>Niektor\u00e9 pois\u0165ovne pri uzatv\u00e1ran\u00ed poistenia rozli\u0161uj\u00fa hlavn\u00e9 a ved\u013eaj\u0161ie budovy, in\u00e9 nie. Preto je rozdiel, \u010di s\u00fa panely umiestnen\u00e9 priamo na streche hlavnej budovy alebo na niektorej z ved\u013eaj\u0161\u00edch budov ako m\u00f4\u017ee by\u0165 napr\u00edklad samostatne stojaca gar\u00e1\u017e, stodola \u010di k\u00f4l\u0148a, ktor\u00e9 stoja na va\u0161om pozemku.<\/p>\n\n\n\n<p>S\u00fa\u010dasti fotovoltiky m\u00f4\u017eu by\u0165 rozlo\u017een\u00e9 aj na viacer\u00fdch budov\u00e1ch. Vidite\u013en\u00e9 s\u00fa s\u00edce len panely, ale neoddelite\u013enou s\u00fa\u010das\u0165ou cel\u00e9ho syst\u00e9mu je aj meni\u010d a bat\u00e9ria. Panely m\u00f4\u017eu by\u0165 umiestnen\u00e9 napr\u00edklad na samostatne stojacej gar\u00e1\u017ei, ale bat\u00e9ria a meni\u010d v hlavnej budove.<\/p>\n\n\n\n<p><strong>TIP:<\/strong> Overte si preto, ako m\u00e1te poisten\u00fa va\u0161u hlavn\u00fa budovu a ako ved\u013eaj\u0161ie. Vyhnete sa tak nepr\u00edjemn\u00fdm prekvapeniam, keby v\u00e1m syst\u00e9m skratoval a vyhorel, pr\u00edpadne panely po\u0161kod\u00ed v\u00edchrica \u010di krupobitie.<\/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 class=\"has-text-color\" id=\"htoc-5-nezabudnite-na-poistenie-zodpovednosti-z-vlastn-ctva-nehnute-nosti\" style=\"color:#ec8124\">5. Nezabudnite na poistenie zodpovednosti z vlastn\u00edctva nehnute\u013enosti<\/h2>\n\n\n\n<p>I ke\u010f si to nikto nepraje, m\u00f4\u017ee sa sta\u0165, \u017ee aj samotn\u00e1 fotovoltika sp\u00f4sob\u00ed po\u017eiar. Myslite aj na toto riziko. Navy\u0161e, po\u017eiar sa m\u00f4\u017ee roz\u0161\u00edri\u0165 aj mimo v\u00e1\u0161 dom a pozemok na susedn\u00fa stavbu, pr\u00edpadne do okolit\u00e9ho lesa a podobne.<\/p>\n\n\n\n<p>Rizik\u00e1, kedy \u0161kodu nechtiac sp\u00f4sob\u00edte tretej strane, pokr\u00fdva poistenie zodpovednosti z vlastn\u00edctva nehnute\u013enosti. Vz\u0165ahuje sa na v\u0161etky osoby, ktor\u00e9 s poisten\u00fdm klientom \u017eij\u00fa v dom\u00e1cnosti a t\u00fato zlo\u017eku poistenia netreba podce\u0148ova\u0165.<\/p>\n\n\n\n<p><strong>TIP: <\/strong>Pri poisten\u00ed b\u00fdvania v\u017edy odpor\u00fa\u010dam zvoli\u0165 kombin\u00e1ciu poistenia nehnute\u013enosti, dom\u00e1cnosti a zodpovednosti. Len s t\u00fdmto komplexn\u00fdm poisten\u00edm si budete ist\u00ed, \u017ee ste chr\u00e1nen\u00ed skuto\u010dne dostato\u010dne a \u017ee v\u00e1m pois\u0165ov\u0148a preplat\u00ed \u0161kody pri v\u0161etk\u00fdch ne\u0161\u0165astn\u00fdch udalostiach, ktor\u00e9 sa m\u00f4\u017eu prihodi\u0165.<\/p>\n\n\n\n<p>Obr\u00e1\u0165te sa na sk\u00fasen\u00fdch finan\u010dn\u00fdch \u0161pecialistov z FinGO.sk, ktor\u00ed v\u00e1m so spr\u00e1vnym nastaven\u00edm poistenia radi pom\u00f4\u017eu. Prejd\u00fa si s vami v\u0161etko potrebn\u00e9 a navrhn\u00fa tak\u00e9 rie\u0161enie, ktor\u00e9 v\u00e1s spo\u013eahlivo ochr\u00e1ni.<\/p>\n\n\n\n<p>M\u00f4\u017eete sa s nami spoji\u0165 aj telefonicky alebo online. Zavolajte n\u00e1m na 0800 60 10 60 alebo n\u00e1m zanechajte va\u0161e \u00fadaje vo formul\u00e1ri ni\u017e\u0161ie a my sa v\u00e1m ozveme.<\/p>\n\n\n\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2236-o1\" lang=\"sk-SK\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/8735#wpcf7-f2236-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"2236\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.7.7\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"sk_SK\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2236-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<p><label> V\u00e1\u0161 email (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> V\u00e1\u0161 telef\u00f3n (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-7\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-required wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"+421 9xx xxx xxx\" value=\"\" type=\"tel\" name=\"tel-7\" \/><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control has-spinner wpcf7-submit orange\" type=\"submit\" value=\"Odosla\u0165\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Boom fotovoltick\u00fdch elektr\u00e1rn\u00ed. Tak mo\u017eno nazva\u0165 situ\u00e1ciu, ktor\u00e1 nastala v obdob\u00ed zvy\u0161ovania cien energi\u00ed. Aj vy pri poh\u013eade na fakt\u00fary prem\u00fd\u0161\u013eate ako u\u0161etri\u0165 a hospod\u00e1ri\u0165 efekt\u00edvnej\u0161ie? Ak si pl\u00e1nujete na rodinn\u00fd dom namontova\u0165 fotovoltiku alebo ste tak u\u017e urobili, nezabudnite, \u017ee si ju treba aj poisti\u0165. Na \u010do v\u0161etko d\u00e1va\u0165 pozor, aby ste po ne\u0161\u0165astnej udalosti nepri\u0161li o kopec pe\u0148az\u00ed? S cie\u013eom u\u0161etri\u0165 si sol\u00e1rne panely montuje \u010doraz viac dom\u00e1cnosti, firiem aj obc\u00ed. \u010casto ale zab\u00fadaj\u00fa na to, \u017ee po in\u0161tal\u00e1cii fotovoltiky by mali aktualizova\u0165 aj svoje poistenie nehnute\u013enosti a nav\u00fd\u0161i\u0165 si poistn\u00fa sumu o hodnotu sol\u00e1rnej elektr\u00e1rne. Ale nielen to. Nie je jedno, kde je va\u0161a nehnute\u013enos\u0165 poisten\u00e1. Pois\u0165ovne toti\u017e maj\u00fa r\u00f4zne podmienky technick\u00fdch riz\u00edk ako s\u00fa prep\u00e4tie, podp\u00e4tie, skrat a nepriamy \u00fader blesku, ktor\u00e9 s\u00fa pri sol\u00e1rnych elektr\u00e1r\u0148ach d\u00f4le\u017eit\u00e9. Odpor\u00fa\u010dam zvoli\u0165 si pois\u0165ov\u0148u, ktor\u00e1 m\u00e1 najvy\u0161\u0161\u00ed limit poistn\u00e9ho plnenia pre tieto rizik\u00e1. Viac si povieme v tomto \u010dl\u00e1nku ni\u017e\u0161ie. 1. Sol\u00e1rne panely m\u00f4\u017eu st\u00e1\u0165 aj 20-tis\u00edc eur. Vyhnite sa podpoisteniu Sol\u00e1rne panely m\u00f4\u017eu zv\u00fd\u0161i\u0165 hodnotu domu \u010di in\u00e9ho objektu aj o desiatky tis\u00edc eur. Ak k tomu pripo\u010d\u00edtame infl\u00e1ciu, poistn\u00e1 udalos\u0165 m\u00f4\u017ee prinies\u0165 v\u00e4\u010d\u0161ie probl\u00e9my ako sa na prv\u00fd poh\u013ead m\u00f4\u017ee zda\u0165. \u017dia\u013e, na Slovensku je podpoisten\u00e1 drviv\u00e1 [&hellip;]<\/p>\n","protected":false},"author":52,"featured_media":8737,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[75],"tags":[287,162,115,59],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Poistenie fotovoltiky: 5 r\u00e1d, na \u010do d\u00e1va\u0165 pozor - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Ak si pl\u00e1nujete na rodinn\u00fd dom namontova\u0165 fotovoltiku alebo ste tak u\u017e urobili, nezabudnite, \u017ee si ju treba aj poisti\u0165.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.sk\/blog\/poistenie-fotovoltiky-5-rad-na-co-davat-pozor\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Poistenie fotovoltiky: 5 r\u00e1d, na \u010do d\u00e1va\u0165 pozor - FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"Ak si pl\u00e1nujete na rodinn\u00fd dom namontova\u0165 fotovoltiku alebo ste tak u\u017e urobili, nezabudnite, \u017ee si ju treba aj poisti\u0165.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.sk\/blog\/poistenie-fotovoltiky-5-rad-na-co-davat-pozor\/\" \/>\n<meta property=\"og:site_name\" content=\"FinGO.sk\" \/>\n<meta property=\"article:published_time\" content=\"2024-02-23T10:31:37+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-02-23T10:31:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/02\/Fotovoltika-poistenie-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1077\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jaroslav Kraj\u0148\u00e1k\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Autor\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jaroslav Kraj\u0148\u00e1k\" \/>\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-fotovoltiky-5-rad-na-co-davat-pozor\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/poistenie-fotovoltiky-5-rad-na-co-davat-pozor\/\"},\"author\":{\"name\":\"Jaroslav Kraj\u0148\u00e1k\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/bf6f014d6d28b7ea1549e4887cf71453\"},\"headline\":\"Poistenie fotovoltiky: 5 r\u00e1d, na \u010do d\u00e1va\u0165 pozor\",\"datePublished\":\"2024-02-23T10:31:37+00:00\",\"dateModified\":\"2024-02-23T10:31:41+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/poistenie-fotovoltiky-5-rad-na-co-davat-pozor\/\"},\"wordCount\":1412,\"publisher\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#organization\"},\"keywords\":[\"fotovoltika\",\"ne\u017eivotn\u00e9 poistenie\",\"Poistenie majetku\",\"Poistenie nehnute\u013enosti\"],\"articleSection\":[\"Ne\u017eivotn\u00e9 poistenie\"],\"inLanguage\":\"sk-SK\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/poistenie-fotovoltiky-5-rad-na-co-davat-pozor\/\",\"url\":\"https:\/\/www.fingo.sk\/blog\/poistenie-fotovoltiky-5-rad-na-co-davat-pozor\/\",\"name\":\"Poistenie fotovoltiky: 5 r\u00e1d, na \u010do d\u00e1va\u0165 pozor - FinGO.sk\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#website\"},\"datePublished\":\"2024-02-23T10:31:37+00:00\",\"dateModified\":\"2024-02-23T10:31:41+00:00\",\"description\":\"Ak si pl\u00e1nujete na rodinn\u00fd dom namontova\u0165 fotovoltiku alebo ste tak u\u017e urobili, nezabudnite, \u017ee si ju treba aj poisti\u0165.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/poistenie-fotovoltiky-5-rad-na-co-davat-pozor\/#breadcrumb\"},\"inLanguage\":\"sk-SK\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.fingo.sk\/blog\/poistenie-fotovoltiky-5-rad-na-co-davat-pozor\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/poistenie-fotovoltiky-5-rad-na-co-davat-pozor\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Blog\",\"item\":\"https:\/\/www.fingo.sk\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Ne\u017eivotn\u00e9 poistenie\",\"item\":\"https:\/\/www.fingo.sk\/blog\/category\/nezivotne-poistenie\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Poistenie fotovoltiky: 5 r\u00e1d, na \u010do d\u00e1va\u0165 pozor\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#website\",\"url\":\"https:\/\/www.fingo.sk\/blog\/\",\"name\":\"FinGO.sk\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.fingo.sk\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"sk-SK\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#organization\",\"name\":\"FINGO.SK s. r. o.\",\"url\":\"https:\/\/www.fingo.sk\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"sk-SK\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/ryba-s-bielym.png\",\"contentUrl\":\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/ryba-s-bielym.png\",\"width\":983,\"height\":1000,\"caption\":\"FINGO.SK s. r. o.\"},\"image\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/bf6f014d6d28b7ea1549e4887cf71453\",\"name\":\"Jaroslav Kraj\u0148\u00e1k\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"sk-SK\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/05\/Jaroslav-Krajnak-riaditel-pre-nezivotne-poistenie-FinGO.sk_-96x96.jpg\",\"contentUrl\":\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/05\/Jaroslav-Krajnak-riaditel-pre-nezivotne-poistenie-FinGO.sk_-96x96.jpg\",\"caption\":\"Jaroslav Kraj\u0148\u00e1k\"},\"description\":\"V obchodnom sektore p\u00f4sob\u00ed od roku 2005. Pre\u0161iel si viacer\u00fdmi obchodn\u00fdmi poz\u00edciami, \u010do s odstupom \u010dasu vn\u00edma ako skvel\u00fa sk\u00fasenos\u0165. Vo financi\u00e1ch p\u00f4sob\u00ed od roku 2016. Za\u010dal sa venova\u0165 ne\u017eivotn\u00e9mu poisteniu a nesk\u00f4r na\u0161iel z\u00e1\u013eubu v korpor\u00e1tnom poisten\u00ed. Vo vo\u013enom \u010dase sa venuje hlavne svojej rodine, miluje beh a bicykel.\",\"url\":\"https:\/\/www.fingo.sk\/blog\/author\/jaroslav-krajnak\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Poistenie fotovoltiky: 5 r\u00e1d, na \u010do d\u00e1va\u0165 pozor - FinGO.sk","description":"Ak si pl\u00e1nujete na rodinn\u00fd dom namontova\u0165 fotovoltiku alebo ste tak u\u017e urobili, nezabudnite, \u017ee si ju treba aj poisti\u0165.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.fingo.sk\/blog\/poistenie-fotovoltiky-5-rad-na-co-davat-pozor\/","og_locale":"sk_SK","og_type":"article","og_title":"Poistenie fotovoltiky: 5 r\u00e1d, na \u010do d\u00e1va\u0165 pozor - FinGO.sk","og_description":"Ak si pl\u00e1nujete na rodinn\u00fd dom namontova\u0165 fotovoltiku alebo ste tak u\u017e urobili, nezabudnite, \u017ee si ju treba aj poisti\u0165.","og_url":"https:\/\/www.fingo.sk\/blog\/poistenie-fotovoltiky-5-rad-na-co-davat-pozor\/","og_site_name":"FinGO.sk","article_published_time":"2024-02-23T10:31:37+00:00","article_modified_time":"2024-02-23T10:31:41+00:00","og_image":[{"width":1077,"height":720,"url":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/02\/Fotovoltika-poistenie-1.jpg","type":"image\/jpeg"}],"author":"Jaroslav Kraj\u0148\u00e1k","twitter_card":"summary_large_image","twitter_misc":{"Autor":"Jaroslav Kraj\u0148\u00e1k","Predpokladan\u00fd \u010das \u010d\u00edtania":"7 min\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.fingo.sk\/blog\/poistenie-fotovoltiky-5-rad-na-co-davat-pozor\/#article","isPartOf":{"@id":"https:\/\/www.fingo.sk\/blog\/poistenie-fotovoltiky-5-rad-na-co-davat-pozor\/"},"author":{"name":"Jaroslav Kraj\u0148\u00e1k","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/bf6f014d6d28b7ea1549e4887cf71453"},"headline":"Poistenie fotovoltiky: 5 r\u00e1d, na \u010do d\u00e1va\u0165 pozor","datePublished":"2024-02-23T10:31:37+00:00","dateModified":"2024-02-23T10:31:41+00:00","mainEntityOfPage":{"@id":"https:\/\/www.fingo.sk\/blog\/poistenie-fotovoltiky-5-rad-na-co-davat-pozor\/"},"wordCount":1412,"publisher":{"@id":"https:\/\/www.fingo.sk\/blog\/#organization"},"keywords":["fotovoltika","ne\u017eivotn\u00e9 poistenie","Poistenie majetku","Poistenie nehnute\u013enosti"],"articleSection":["Ne\u017eivotn\u00e9 poistenie"],"inLanguage":"sk-SK"},{"@type":"WebPage","@id":"https:\/\/www.fingo.sk\/blog\/poistenie-fotovoltiky-5-rad-na-co-davat-pozor\/","url":"https:\/\/www.fingo.sk\/blog\/poistenie-fotovoltiky-5-rad-na-co-davat-pozor\/","name":"Poistenie fotovoltiky: 5 r\u00e1d, na \u010do d\u00e1va\u0165 pozor - FinGO.sk","isPartOf":{"@id":"https:\/\/www.fingo.sk\/blog\/#website"},"datePublished":"2024-02-23T10:31:37+00:00","dateModified":"2024-02-23T10:31:41+00:00","description":"Ak si pl\u00e1nujete na rodinn\u00fd dom namontova\u0165 fotovoltiku alebo ste tak u\u017e urobili, nezabudnite, \u017ee si ju treba aj poisti\u0165.","breadcrumb":{"@id":"https:\/\/www.fingo.sk\/blog\/poistenie-fotovoltiky-5-rad-na-co-davat-pozor\/#breadcrumb"},"inLanguage":"sk-SK","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fingo.sk\/blog\/poistenie-fotovoltiky-5-rad-na-co-davat-pozor\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.fingo.sk\/blog\/poistenie-fotovoltiky-5-rad-na-co-davat-pozor\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog","item":"https:\/\/www.fingo.sk\/blog\/"},{"@type":"ListItem","position":2,"name":"Ne\u017eivotn\u00e9 poistenie","item":"https:\/\/www.fingo.sk\/blog\/category\/nezivotne-poistenie\/"},{"@type":"ListItem","position":3,"name":"Poistenie fotovoltiky: 5 r\u00e1d, na \u010do d\u00e1va\u0165 pozor"}]},{"@type":"WebSite","@id":"https:\/\/www.fingo.sk\/blog\/#website","url":"https:\/\/www.fingo.sk\/blog\/","name":"FinGO.sk","description":"","publisher":{"@id":"https:\/\/www.fingo.sk\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fingo.sk\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"sk-SK"},{"@type":"Organization","@id":"https:\/\/www.fingo.sk\/blog\/#organization","name":"FINGO.SK s. r. o.","url":"https:\/\/www.fingo.sk\/blog\/","logo":{"@type":"ImageObject","inLanguage":"sk-SK","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/ryba-s-bielym.png","contentUrl":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/ryba-s-bielym.png","width":983,"height":1000,"caption":"FINGO.SK s. r. o."},"image":{"@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/bf6f014d6d28b7ea1549e4887cf71453","name":"Jaroslav Kraj\u0148\u00e1k","image":{"@type":"ImageObject","inLanguage":"sk-SK","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/image\/","url":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/05\/Jaroslav-Krajnak-riaditel-pre-nezivotne-poistenie-FinGO.sk_-96x96.jpg","contentUrl":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/05\/Jaroslav-Krajnak-riaditel-pre-nezivotne-poistenie-FinGO.sk_-96x96.jpg","caption":"Jaroslav Kraj\u0148\u00e1k"},"description":"V obchodnom sektore p\u00f4sob\u00ed od roku 2005. Pre\u0161iel si viacer\u00fdmi obchodn\u00fdmi poz\u00edciami, \u010do s odstupom \u010dasu vn\u00edma ako skvel\u00fa sk\u00fasenos\u0165. Vo financi\u00e1ch p\u00f4sob\u00ed od roku 2016. Za\u010dal sa venova\u0165 ne\u017eivotn\u00e9mu poisteniu a nesk\u00f4r na\u0161iel z\u00e1\u013eubu v korpor\u00e1tnom poisten\u00ed. Vo vo\u013enom \u010dase sa venuje hlavne svojej rodine, miluje beh a bicykel.","url":"https:\/\/www.fingo.sk\/blog\/author\/jaroslav-krajnak\/"}]}},"_links":{"self":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/8735"}],"collection":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/users\/52"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/comments?post=8735"}],"version-history":[{"count":11,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/8735\/revisions"}],"predecessor-version":[{"id":8752,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/8735\/revisions\/8752"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/media\/8737"}],"wp:attachment":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/media?parent=8735"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/categories?post=8735"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/tags?post=8735"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}