Do I need to insure the apartment? For those citizens whose homes are insured, the question is rhetorical, but the statistics of homeowners in the country more than half.
In large cities the number of insured commercial housing schemes is about 10% of the apartments, about 50% of apartments are insured by municipal schemes. So, maybe, housing insurance and do not need? With this question your correspondent turned to a member of the St. Petersburg Bar Association, Igor Korobko. "Insure housing need" - the lawyer replied firmly Korobko, adjusting his glasses, a bicycle.
Housing does not insure the love of art, and to guarantee the payment of damages related to his unexpected loss. The loss may be due to fire, floods, earthquakes, volcanic eruptions, meteor shower, the release of land for new construction, etc. And also if you are after a hurricane, or rather in your house, slid down the roof. Or household gas exploded, so much so that the dust is not only smashed a plaster sculpture of mother in law, but with doors and windows. A more common case - failure of heating, resulted in a need to repair. The list of insurance risks are the consequences of robbery, arson, neighborhood parties, etc.
Insurance of premises shall be in accordance with the provisions of Chapter 48 of the Civil Code, "Insurance," Law "On Insurance in the Russian Federation" and the rules of the laws of RF subjects. Insurance is a matter purely voluntary, although the idea of introducing 'housing CTP "is discussed in the circles of lawyers and legislators. As an insured may make the owners of premises. It may be private individuals, and if the room is in the public or community housing, the insurer stands in the role of the Russian Federation, its subjects and municipalities. Insure can also "other persons" - the tenants, the landlord and tenants, if the contract of employment is they have a duty to insure the premises.
In the role of the opposing party, ie insurers may act only to legal persons, not organizations, individual entrepreneurs and the grand strategist, says the article. 938 of the Civil Code. Legal persons must have a license for the insurance of premises. Requirements for insurance companies, the order of their licensing, the implementation of state supervision of these activities is determined by the laws on insurance.
The scale of damages depends on the type of insurance, it can be done by municipal and commercial schemes. As an illustration, let us turn first to the best practices of Moscow.
In 1996 at the initiative of Yuri Luzhkov, the capital of a system of voluntary insurance of premises. Department of housing policy and housing formed of a socially oriented system of insurance protection for which the city took over most of the payments on insurance claims - 80%, the remaining 20% is assigned to insurance companies, selected on a competitive basis. Today, 10 years later, the responsibility of the Moscow government for damages was reduced to 30%, insurance companies, it is therefore increased to 70% that you will agree, is an indicator of the effectiveness of the system. Since 1999, insurance of premises in Moscow on a large scale in some districts, insurance payments are included in the calculation for payment of utilities. On March 1 this year, the monthly premium was 90 cents per square meter of the precious, the payment in case of damage - 17 thousand rubles.
When commercial insurance payout is much higher, it varies from 0.5% to 3% of market value of housing per year, with premiums significantly higher. When choosing an insurance company, you need to be vigilant and use only those firms that are well known. Dimensions of insurance payments should not be microscopically low office is too crowded and smoky, the guards - quite so obvious "bull." If a firm called "Horns and hoofs," do not take the time to find another insurer.
Despite the obvious meaning of home insurance, not all residents of the country, as already mentioned, in a hurry to do it in the first day after the act of purchase. The insurance market housing in Russia is in its infancy. The lawyer explains Korobko legal nihilism respected citizens, as well as fraud in the insurance market. In addition, insurance companies often make agreements on unfavorable terms for the client, in the case of an insured event to the full indecency delay payment of compensation, the amount of which is grotesquely small, or not paying at all, to protect the policyholders of their rights to appeal to the courts. Counsel did not consider the psychological aspect of the problem, the Russian "maybe."
In fact, the recent tsunami and tornadoes in our latitudes have been recorded by seismologists in the Neolithic period, the Tunguska meteorite has fallen. Why insure an apartment, if I myself am very careful, and the neighbors do not drink binge, smoking a cigarette butt on the floor does not damage (there is, however, we have at the entrance Sanya, but he lives a floor above, and the fire on the laws of physics extends from the bottom up, rather than vice versa). The flaw in the pipe heating can be easily shut his hand, right hand and left to reach the phone and call the housing office. Militant arsonists put eye on my modest parameters, and the neighbor's apartment.
The logic of such reasoning is, that's only rational reason for the West any housing transaction involves an act of insurance. By the way, the arsonist, your home is not insured? Then they come to you!
In large cities the number of insured commercial housing schemes is about 10% of the apartments, about 50% of apartments are insured by municipal schemes. So, maybe, housing insurance and do not need? With this question your correspondent turned to a member of the St. Petersburg Bar Association, Igor Korobko. "Insure housing need" - the lawyer replied firmly Korobko, adjusting his glasses, a bicycle.
Housing does not insure the love of art, and to guarantee the payment of damages related to his unexpected loss. The loss may be due to fire, floods, earthquakes, volcanic eruptions, meteor shower, the release of land for new construction, etc. And also if you are after a hurricane, or rather in your house, slid down the roof. Or household gas exploded, so much so that the dust is not only smashed a plaster sculpture of mother in law, but with doors and windows. A more common case - failure of heating, resulted in a need to repair. The list of insurance risks are the consequences of robbery, arson, neighborhood parties, etc.
Insurance of premises shall be in accordance with the provisions of Chapter 48 of the Civil Code, "Insurance," Law "On Insurance in the Russian Federation" and the rules of the laws of RF subjects. Insurance is a matter purely voluntary, although the idea of introducing 'housing CTP "is discussed in the circles of lawyers and legislators. As an insured may make the owners of premises. It may be private individuals, and if the room is in the public or community housing, the insurer stands in the role of the Russian Federation, its subjects and municipalities. Insure can also "other persons" - the tenants, the landlord and tenants, if the contract of employment is they have a duty to insure the premises.
In the role of the opposing party, ie insurers may act only to legal persons, not organizations, individual entrepreneurs and the grand strategist, says the article. 938 of the Civil Code. Legal persons must have a license for the insurance of premises. Requirements for insurance companies, the order of their licensing, the implementation of state supervision of these activities is determined by the laws on insurance.
The scale of damages depends on the type of insurance, it can be done by municipal and commercial schemes. As an illustration, let us turn first to the best practices of Moscow.
In 1996 at the initiative of Yuri Luzhkov, the capital of a system of voluntary insurance of premises. Department of housing policy and housing formed of a socially oriented system of insurance protection for which the city took over most of the payments on insurance claims - 80%, the remaining 20% is assigned to insurance companies, selected on a competitive basis. Today, 10 years later, the responsibility of the Moscow government for damages was reduced to 30%, insurance companies, it is therefore increased to 70% that you will agree, is an indicator of the effectiveness of the system. Since 1999, insurance of premises in Moscow on a large scale in some districts, insurance payments are included in the calculation for payment of utilities. On March 1 this year, the monthly premium was 90 cents per square meter of the precious, the payment in case of damage - 17 thousand rubles.
When commercial insurance payout is much higher, it varies from 0.5% to 3% of market value of housing per year, with premiums significantly higher. When choosing an insurance company, you need to be vigilant and use only those firms that are well known. Dimensions of insurance payments should not be microscopically low office is too crowded and smoky, the guards - quite so obvious "bull." If a firm called "Horns and hoofs," do not take the time to find another insurer.
Despite the obvious meaning of home insurance, not all residents of the country, as already mentioned, in a hurry to do it in the first day after the act of purchase. The insurance market housing in Russia is in its infancy. The lawyer explains Korobko legal nihilism respected citizens, as well as fraud in the insurance market. In addition, insurance companies often make agreements on unfavorable terms for the client, in the case of an insured event to the full indecency delay payment of compensation, the amount of which is grotesquely small, or not paying at all, to protect the policyholders of their rights to appeal to the courts. Counsel did not consider the psychological aspect of the problem, the Russian "maybe."
In fact, the recent tsunami and tornadoes in our latitudes have been recorded by seismologists in the Neolithic period, the Tunguska meteorite has fallen. Why insure an apartment, if I myself am very careful, and the neighbors do not drink binge, smoking a cigarette butt on the floor does not damage (there is, however, we have at the entrance Sanya, but he lives a floor above, and the fire on the laws of physics extends from the bottom up, rather than vice versa). The flaw in the pipe heating can be easily shut his hand, right hand and left to reach the phone and call the housing office. Militant arsonists put eye on my modest parameters, and the neighbor's apartment.
The logic of such reasoning is, that's only rational reason for the West any housing transaction involves an act of insurance. By the way, the arsonist, your home is not insured? Then they come to you!
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