But let's leave aside the philosophical questions and proceed directly to the topic of our today's article - Insurance suburban real estate. Just note: the times when the insurance of a country house was considered a privilege of the "new Russian", is long gone. Today, such services are used by the broadest sections of the population - from happy owners of high-rise chorus to average vacationers who want to receive compensation if their summer house burns down or is brushing vagrants. Moreover, seeking to meet the needs of not very wealthy owners of suburban real estate, insurers are developing their special insurance products that do not require even the evaluation of the insured property. But such services will talk in more detail in the next chapter.
So what was afraid cottage? Unambiguous answer to this question is not easy. Country homes - just like people: each has his own fears and phobias. Only a very small house so no one will tell that he was concerned. So, to put "diagnosis" cottage will host, you can use experts on insurance (fortunately, the definition of the most pressing risks is included in the list of services, with the most free, most insurance companies). For example, if a house insured stands in the open field, he is clearly no need to fear falling trees, but a lightning strike in this situation may well become an objective reality. Or take another example. The object, located in a guarded village cottage, hardly attacked brash people, but from fire or flood cameras and alarm it just will not save. However, we have only the most eloquent examples. In practice, the choice of risk must take into account many more different factors, among which there are not obvious. Insurance companies typically offer four options for insurance: fire or fire, plus the remaining risks in the home and the same thing - for household goods.
If you have no desire to delve into such details, you can purchase a standard insurance policy is an integrated country estate. Such a policy involves the payment of compensation for damage to the cottage as a result of fire, and measures for its suppression, natural disasters (flood, hurricane, flood, landslide, etc.), lightning, falling trees, gas explosion, unlawful acts of third persons, etc. Of course, buying protection Cheaper by the Dozen.

"... But can be sped up"

Concluding a contract with the client, the insurance company takes some serious commitment. Not surprisingly, the emphasis is on assessing the value of the insured object - because any miscalculation is fraught with subsequent losses to the customer. For example, overestimating a property, the client in payment will still receive compensation of not more than the market value of the object. If the same house, on the contrary, underestimated, then the policyholder receives compensation, insufficient for building a new home or repair the injured.
Evaluation cottage, usually carried out with on-site inspection. The specialists responsible for the assessment, based on guidelines approved by the guidance of insurance companies. For example, when assessing insurance premiums of the new buildings (villas, baths, etc.) agents use special tables and recommendations such as: "The presence of insulation from the walls of wooden buildings in the 0,5-brick increases the sum insured for 1 square. m $ 40 "etc. make it much easier (and make more accurate) assessment of existing customer sales contract facility, design estimates or bills for construction materials, etc.
It should be noted that many companies offer customers insurance programs of country houses without inspection, provided that the insured amount will not exceed 10-50 thousand dollars (the companies limit is different). Insurance "without inspection" is in great demand among the residents of St. Petersburg and Leningrad region, since the insurance product is easy to follow are not particularly versed in insurance matters to citizens. Moreover, policies of expression of saving client's time. Conclusion of the contract may take place not only without examining the object, but often without visiting the company. Indeed, insurers often rely on dissemination of model policies to their "service agent", whose functions can perform banks or, say, Russia Society gardeners.
Meanwhile, insurance "in haste" has some drawbacks. In particular, referred to in the contract of 10 thousand dollars may not be enough to restore the damaged property (in other words, it is possible, as it were deliberately low estimate cottage with the consent of its owner). So what if the client wants the defense was the fullest and take into account all the individual characteristics of the property, he should give preference to the classical form of insurance suburban real estate property inspection and an inventory. This option, of course, turns out more expensive and requires a lot of time, but the amount of insurance coverage is usually justifies all costs.

Subtleties pricing

The size of insurance rates for all companies is approximately the same. Insurance stone construction costs in 0,4-0,5% of sum insured per year, a wooden house - 0,8-1,6%. Thus on pricing affected by factors such as year of construction, the degree of combustibility of materials, availability of safety systems, the size and type of franchise (that is it, we'll just below). Depending on the degree of risk can be applied to tariffs increase or reduction factors. Thus, the cost of the insurance policy is usually reduced if the customer has to equip the facility alarm system or, for example, acquires a solid front door with anti-burglary accessories. Conversely, home insurance, to get into that can not only lazy people (especially if the walls of wood), the fare will fly to the maximum. It is also possible variant of the insurance company's refusal to enter into an agreement to be watchful object.
By the way, please note that receiving a discount for the presence of alarm, you are not eligible for the insurance period to dismantle this system, or leave it dysfunctional in the case of breakage. Otherwise, you can generally be left without compensation if it turns out that at the time of a robbery alarm system was not working.
With stiffening competition, insurers try to maximize the interests of its customers, offering different bonuses and discounts. Most of "relief" granted a permanent "breakeven" policyholders. Thus, for insurance for a new term client who had lived the previous period without incident, receives 10% discount. A few "breaking even" years - from 25 to 40%. Discount of 5-10% are often encouraged clients, insurers in the same company just a few objects - for example, cottage, apartment and car. By the way, giving insurance may cost less if the insured a cottage garden or a cooperative partnership. The same system applies to the cottage communities. Comprehensive insurance programs allow residents of suburban mini-towns to save.
In some companies provide discounts to participants of the Great Patriotic War, invalids, pensioners, veterans of labor, etc. Almost all companies offer seasonal and holiday discounts. Given the fact that the value of suburban real estate today is quite high, and accordingly, the rewards of the insurer - not such a ridiculous sum, the presence of discounts is an extremely important criterion for choosing a particular insurance product.

Do not worry ...

Almost all the owners of the country real estate - the people involved. Owners of expensive villas - mostly businessmen or influential statesmen, and therefore forced to spend virtually all day at work and worry. However, not less of a hassle (though not so great) and at the same gardeners. Dig up the beds, prune shrubs, water the flowers, fix the rickety gate - all this too requires a lot of time and effort.
So, in order not to unnecessarily detract from the affairs of their clients, the insurers came up with the so-called franchise. By this word is provided in the insurance contract exemption from the obligations of the insurance company for damages, not exceeding a predetermined amount. That is, if you're sure not going to run the departments, to gather information necessary to redress, for example, for 5 thousand rubles, there should be a franchise for that amount.
Franchise can be unconditional and conditional. The first involves a mandatory reduction in payments under the insurance contract on the value of the franchise (regardless of the size of damage). The second provides for damages only if the amount of damages claimed more franchises. For example, if a conditional franchise 1 000 rubles and damage
1 700 rubles (the figures are absolutely abstract) payment will be carried out in full, because the amount of damage above stated deductible. At the same unconditional franchise and the same damage to the client will be paid only 700 rubles (the size of the payment is reduced by the amount of franchise). Size and type of franchise is usually determined through negotiation with the client's insurer.