"features" of the national home insurance

None apartment does not insure without the provision of compulsory set of documents - passports client, lease or instrument rating. To do this you have to call an appraiser to your home. The evaluation procedure takes several hours to two days. Appraiser can act as a specialist insurance company or an independent expert and a representative of the Bureau of Technical Inventory (BTI) of your housing department.

As a result, you will be given an apartment in the appraisal report form with the signature, address, and all the details of the insurance company (the appraiser).

The people who conducted the assessment of the apartment, it is advised to use the services of independent experts is in good standing. Indeed, some insurance companies will try to understate the cost of housing, and the data BTI insurers are skeptical, because they believe it, on the contrary, you can inflate.

In any event, will take into account the market price of your home.

Assessment will cost about $ 100 or free if the service is included in the cost of insurance. Not all insurance companies are evaluating free. Therefore it is better to clarify this point soon.

Often, people are renting apartments under contracts that are in government are not registered to avoid paying taxes. Such documents are not legally binding in terms of the insurer.

Usually housing offer insurance for a year. It is possible and for a month - it seems that it is cheaper, but for insurance for a year the client has every right to choose the frequency of payments - once a quarter or once a month.

The reason for the payment of an insurance case, that is, fire or flood is not charred furniture and flooring bloated - and only official documents of the state organization. Otherwise, you are suspected of trying to initiate most of the insurance case. That is, if there was a fire, a certificate shall issue the necessary fire service, if the flooding - housing office, natural disasters or new doctrine of military failures - the Ministry of Emergency Situations and the Ministry of Defence.

Such certificates are not issued immediately. Usually on their design takes about a week. "If an accident happens in the apartment of an official, then he will get help much faster than an ordinary citizen," - says the experience of an expert on risk property insurance company "Lemma" Vladimir Kinal.