Well, let's begin to answer in order. If you decide to insure your apartment, you can choose one or a few cases, if there are, you will be paid the money. Variants very, very much: From the standard fire before the fall of the meteorite. You can insure for any occasions: from flooding the top neighbors from fire and even theft. Also, you can insure any of the elements of your apartment: load-bearing walls, decoration, antiques, or all of the apartment as a whole. Up to you. Registration of the policy does not take much time. In any case, such a waste is more than can be repaid in the future. Can not ignore such possible scenarios.

How much is insurance? This question can not give an unambiguous answer, since the amount of insurance individually in different cases. There will uchityvatsya everything: the condition of the house, barred windows, intercom, steel door, etc. Also considered a set of risks that you yourself and choose. All this together gives us a specific amount that you can pay for insurance.

What is the process of insurance? All very, very simple. To get started you pull up a list of subjects of insurance. Includes in it everything that they themselves wish. Then call the agent of the insurance companies, which themselves want. Next comes the harmonization of conditions and elements of the treaty with the specialists of this company. Polis is you are given either immediately after the inspection of an apartment, or in the office of the company itself.

What will be the amount received after that - something happens to insure your apartment? It all depends on what exactly happened. If the damage was caused or furnish, or supporting structure of the building, the amount of the payment will be equal to the cost of damaged facilities. But when it comes to suburban buildings, the amount will vary from 0.7% to 1.5% percent.

When insuring important to know exactly which firm owned by you in good faith, pays an amount under the law, and which simply crooks. It is clear that this is not so easy to define. Therefore, it is necessary beforehand to inquire about the company, find out how it works in the market of insurance, etc. This will allow you to protect against possible fraud and other things.

To date, there are two types of insurance: Municipal and insurance on the individual program. Municipal program certainly is not bad, but it has, for example, a major drawback: The sum insured is calculated from the number of square meters, and the quality of finishing and so is not counted. Besides, you designate the insurer, your freedom in this regard is limited. True, there are pluses: Municipal program affordable and more understandable to the public.

Nevertheless, we strongly advise you to choose insurance for the individual form. This will cost not much more expensive, but you can win a lot, if that - that will happen. For this program, a much wider range of services. You can protect yourself from any one or more of misery, or all at once. Truth is necessary reservation: Full package will cost less than the cover of each risk separately.

If you are the owner of an expensive, elite apartments, you can choose a policy "Luxurious Apartment". Registration of the policy does not take much time, but then, in the event of an emergency, you can easily get your money. Regular customers have their own advantages.