Apartment insurance: classics of the genre or express programs. The choice depends on the value of the property, your wallet and...character. New product from Rosgosstrakh Rosgosstrakh house classic insurance option 1

Rosgosstrakh offers three product options: Fixed Asset, Individual Asset, and Prestige. Current programs differ in the degree of protection of residential real estate, and therefore in the cost of services.

“Asset fixed” is a program that includes a minimum list of risks. The ready-made sample policies offered are usually concluded for one year, but if necessary, the insurance can be extended.

A minimum financial payment is provided in the event of a house fire, but the cost of available services is also significantly reduced. For example, for a one-room apartment in Moscow, the policy will cost 3,240 rubles per year, if an insurance payment of 200 thousand rubles is provided.

If you plan to insure a private home, you should take care of additional payment.

“Individual asset” expands the list of property that is covered when taking out a policy that is valid in case of fire. The client of Rosgosstrakh has the right to independently determine all objects that need protection, taking into account personal financial capabilities.

“Prestige” is a program that allows you to protect even expensive property and collections of valuable substances. By choosing this product, you can count on any insurance period and the ability to choose available risks from those offered. Any restrictions are excluded, so the level of protection becomes maximum. However, the cost of the services provided will be the most expensive.

Another option for classic insurance products is the possibility of using assistance provided by the municipality. It is expected that the policy's coverage will include interior decoration as well as structural elements of the home.

Rosgosstrakh is one of the largest insurers, therefore representatives of the target audience have the right to carefully study all proposals and make the right decision regarding the issuance of a valid policy.

Tariffs and factors affecting the cost of the service

How much does it cost to insure a house? The exact price for private home insurance can only be found out when drawing up a contract, as it depends on many reasons.

Such factors on which the cost of the service depends include the characteristics and prices of the real estate itself, as well as the list of risks against which it is insured. For the convenience of clients, the Rosgosstrakh website has a special calculator with which you can find out the approximate cost.

READ ALSO: What is involved in selling an apartment in new buildings in Moscow?

If the applicant has chosen the minimum tariff, which is most often characterized by small interest rates and a simplified registration procedure, then the amount of payment in the event of an insured event will also be small. The higher the cost of the tariff, the greater the amount the insurance company will pay the applicant.

At Rosgosstrakh, the maximum cost of insuring a residential building can reach 1.5% of the price of the insured property. The client can also be offered an installment plan, in which the first part of the cost of services is paid upon concluding the contract, and the second – after a few months.

The company may provide a discount if the applicant insures more than one property at the same time.

There are several types of insurance with different price categories.

Features of pricing policy and solving financial issues

The cost of the insurance policy is calculated individually. If a company's client chooses an individual product instead of a standard one, it is necessary to detail the object and take into account the wishes of the policyholder.

Before you insure your house against fire in Rosgosstrakh, you can better use the calculator on the company’s official website. The virtual calculator will allow you to make preliminary calculations and find your bearings regarding the cost of policies.

However, the final information will become known only after consultation with a specialist and an accurate determination of the coverage. The insured amount is determined only by agreement of the two parties, but one should focus on the market value.

In this regard, you should take care to have the house inspected by an insurance expert or an independent expert, having previously agreed on the event with Rosgosstrakh.

Insurance premiums, the amount of which is determined by documents, are collected every month. If there are continuous delays and failure to comply with the agreed conditions, the policy loses legal force.

To save money when applying for insurance, it is recommended to submit an application online, as this method allows you to reduce payments. Choosing a standard policy provides a limited amount of financial assistance after a fire, but also guarantees savings when obtaining an insurance policy.

Various programs

As of 2017, the Rosgosstrakh company operates two versions of the private home insurance program, namely “House Active” and “House Prestige”. For a more complete picture, you need to consider these proposals

"House Active"

This program is designed specifically for insuring real estate that has an average or low market value. This product is characterized by quick registration, since the client is not required to fill out an insurance application.

READ ALSO: The amount of insurance compensation depends on the indicators

Under this type of insurance program, the applicant can insure a wooden house, outbuildings, building decoration, as well as household property. The term of the Dom Aktiv agreement is 1 year.

"House of Prestige"

This offer applies to homes in the high price category. The cost of services with such insurance is more expensive, but the payment upon the occurrence of an insured event is also much higher. Clients wishing to enter into such an agreement are offered flexible insurance conditions for each object.

The applicant can include in the contract not only internal property, but also external equipment, as well as landscape design of the site on which the insured property is located. In addition, the policyholder can also insure expensive property located in the house, for example antiques and so on.

How to conclude an insurance contract

Upon expiration of the insurance contract, the applicant may apply for an extension of the contract. Moreover, if the policyholder does not want to change the conditions, then there is no need to write an application. In some cases, the company may ask for papers on a new assessment of the property or assess the deterioration of the building itself. If the conditions change, the contract will need to be drawn up again.

The Rosgosstrakh company is chosen by a huge number of people. This can be explained by the huge selection of insurance programs and the reliability of the organization. This organization has also proven itself in the insurance of private houses, the nuances of which were described above.

How much does it cost to insure an apartment?

It is impossible to immediately say how much the cost of insuring an apartment will be.

If we consider the case of individual insurance, then a specialized company visits the living space, analyzes the condition of the apartment and makes a verdict, on which the cost of the insurance coupon will depend.

There are several criteria for evaluating a company. For example, the material from which the housing is made is taken into account.

If it is a wooden house, then its insurance will require more money than an apartment, because the risk of damage to a wooden building is much higher. If the apartment is rented out, then the price will also increase, because the owner is less interested in its integrity than the tenant.

Please tell me what measures we can take to receive payment from the insurance company? What if the insurance company has good reasons to refuse us? what are our chances? Let me clarify that the house is registered in the name of the husband, only the husband is registered. Thank you for your attention, we are waiting for your advice.
Alyona

Good evening, Alena. The Rosgosstrakh website contains up-to-date information, including the Insurance Rules of 2007, updated for 2016. From the content of these rules it follows that the causes of fire are important. Option 1 on the website looks like this:

3.3.1. Option 1 (full package of risks in combination determined by the insurance contract):
3.3.1.1. “fire”: fire, including exposure to combustion products, as well as water (foam) and other means used in fire extinguishing,
occurred, unless otherwise provided by the insurance contract as an exception to the risk, due to
3.3.1.1.1. short circuit/emergency operation of the electrical network
3.3.1.1.2. malfunctions of electrical appliances/water-gas-heat-power supply systems (including stoves)
3.3.1.1.3. violation of the rules for the technical operation of electrical appliances
3.3.1.1.4 overheating of the stove/thermal effects from overheating of the stove chimney
3.3.1.1.5. careless handling of fire or pyrotechnics
3.3.1.1.6. spread of fire from neighboring territories
3.3.1.1.7. uncontrolled combustion process, spontaneously arising and spreading in the natural environment, the source of fire of which occurred outside the insurance territory
3.3.1.1.8. lightning strike;
3.3.1.1.9 fallen grass/garbage;
3.3.1.1.10 arson
3.3.1.1.1.1. other illegal actions of third parties except arson
except in cases where it arises for the following reasons:
a) violation of the standard service life of property, production,
non-production, construction, structural defects and shortcomings of property objects and their individual elements, improper
performing installation, repair, and construction work in the insurance territory, unless otherwise provided by the insurance contract;
b) physical wear and tear of structures, equipment, materials, etc. in the territory
insurance, unless otherwise provided by the insurance contract;
c) storage, manufacture and use of explosives and explosive devices, conducting chemical and physical experiments in the insurance territory;
d) carried out during the validity period of the insurance contract in the insurance territory
construction, installation and other repair work, unless otherwise provided by the insurance contract
e) treating property with fire, heat or other thermal effects on it;
f) the occurrence of circumstances covered by the warranty obligations of the property manufacturer/service provider.

From what is stated on the website and what you have stated, it follows that your specific contract may provide for conditions that differ from the general rules, including the list of insured events and exclusions from risks may differ. In any case, the refusal can only be appealed in court. An assessment of the prospects of a court case can only be made based on the results of an analysis of documents.

– Vladimir Anatolyevich, why did your company pay such close attention to the real estate sector?

– Buying or building your own home is one of the most serious financial investments in a person’s life. In order not to leave it to chance and not to risk your property, it must be insured. But over the past 13 years, when compulsory insurance of buildings was abolished, dry statistical figures eloquently show that out of 23 million private houses in our country, only one third are insured.

For many years, Rosgosstrakh has the largest client base in Russia for insuring the property of individuals - buildings and household property. According to the Center for Economic Analysis of the Interfax Agency, Rosgosstrakh is the absolute leader in property insurance. More than 12 million people have entrusted us with the protection of their property, which is approximately 45 percent of all property insurance contracts for the population; more than 80 percent of country and private houses insured in Russia within the city limits have a policy from our company.

And at the same time, there is a huge gap between the real value of the property and the amount for which it is insured. Today, 2/3 of houses are insured for a low insurance amount - no more than 50 thousand rubles, this is an extremely high level of underinsurance and an almost complete lack of protection against real risks. For these reasons, Russians cannot count on sufficient compensation for lost things and buildings. Only an assessment of the actual value of the property and the conclusion of an insurance contract for the actual value is a guarantee of receiving decent compensation.

– What is unique about the Rosgosstrakh DOM offered to the population?

– The largest Russian insurance company offers comprehensive insurance protection of property at real cost and at reasonable prices. We want to maximally satisfy the insurance needs of property owners, convince compatriots of the need to insure their property based on its market value, then the insurance payment will be adequate to the value of the lost property. Our rates are below the regional market average. The client pays less and receives better services.

Depending on the type of house that the client wants to insure, we are ready to offer a variety of conditions within the new insurance product. With the help of our specialist, the client can independently create an insurance coverage option that is most suitable for him both in terms of the range of services and price. Our new offer will help protect your home, its interior decoration, home furnishings, outbuildings and other property.

– Who is this product intended for?

– “Rosgosstrakh DOM” is designed for owners of houses and summer cottages, taking into account the interests of people of different social strata, with incomes from below average to the highest. For example, in the proposed product it is possible to allocate particularly expensive property, such as expensive satellite television systems, landscape design, weapons, antiques, painting collections, into separate categories.

– What risks does Rosgosstrakh DOM cover?

– With the help of the Rosgosstrakh DOM policy, you can compensate for all your losses as a result of unforeseen events with property and natural disasters. The new product provides home insurance against fire, water damage, natural disasters, and property crimes.

– Vladimir Anatolyevich, what insurance protection options are offered under the new general civil property insurance program?

– This program includes three main insurance products with several insurance options. The first one is “Rosgosstrakh DOM – Express” - for inexpensive houses. The insurance contract is concluded quickly and without inspecting the property. The second comprehensive product - "Rosgosstrakh DOM - Classic" - for owners of houses in the middle and lower-average price categories. It provides for various insurance methods. The first is insurance with the provision of photographs, the second is insurance according to a standard scheme with an inspection and drawing up an inventory. In the third case, insurance is carried out using the “first risk” insurance payment system, when payment is made in the amount of actual damage, but does not exceed the insured amount. Another product from the new line - "Rosgos-strakh DOM - Prestige" is addressed to owners of expensive houses, the most demanding clients. It provides a modern and high-quality range of services, protection against the maximum number of risks, the provision of a personal manager for concluding a contract and prompt assistance in the event of an insurance event.

– What will be the sales system for the new product?

– Each insurance policy from Rosgosstrakh is individual, just like any house. "Rosgosstrakh DOM" provides an individual approach to each client; it is a people's product from a people's company. Property owners have the opportunity to create a set of insured risks themselves and choose the most suitable option for concluding a contract, including using the option of paying the insurance premium in installments. Our fellow countrymen can also choose the most convenient way for themselves to purchase an insurance policy - call an agent at home or contact the nearest sales office. In addition, you can use the services of Russian postal workers who have been trained and, since October, are authorized to conclude contracts worth up to 110 thousand rubles. To promote the new product, we will recruit additional agents or, better said, sales specialists. We will not only protect your property, but also save valuable time. “ROSGOSSTRAKH HOUSE” is a product for every Russian.

//Interviewed by Sergei YAKOVLEV.

The best mechanism for protecting an apartment from various misfortunes is insurance. Of course, the insurance policy will not put out the fire or repair leaks in the pipes, but at least it will help compensate for losses. The magazine's website tells you what you can protect your apartment from with insurance and how much you will have to spend on it.

This article is a reference and information material; all information in it is presented for informational purposes and is for informational purposes only.

What will we insure?
For the average person - his personal space: his favorite chair, an expensive TV, a rare grandmother’s teapot. Insurance companies are not sentimental; in their understanding, an apartment is divided into four components: “The objects of insurance can be structural elements (walls, ceilings, window and door structures, ceilings), interior decoration (plastering and painting works, covering walls, ceilings, floors), technical and engineering equipment (non-standard heating systems, air conditioning systems, power supplies, plumbing), movable household property (furniture, electronics, household appliances, clothing, etc.),” explains the portal Maxim Gofman, product manager for retail insurance management at RESO-Garantiya Insurance Company. Some insurers combine technical and engineering equipment with finishing, and then the apartment includes 3 components. Insurance of any components of the apartment refers to property insurance .

The components of the apartment can be insured as a whole under one contract or individually. You can insure only household property or only the decoration, and in individual rooms. This “constructor” principle is very convenient: “Suppose the policyholder owns an apartment in a new building, and it has not yet been renovated, then it would be advisable for him to insure only the structural elements of the apartment, without decoration and household property,” says Lyubov Kononenko, deputy head of the department insurance of property of individuals of the department of underwriting and loss settlement of IC "Soglasie".

You can insure an apartment of any value and type - from a one-room apartment to a penthouse, the main thing, as noted by Alexey Kozmin, head of the underwriting directorate for insurance of personal property and mortgages of the URALSIB insurance group, is that the property, decoration and engineering equipment are in satisfactory condition, and the house was not subject to demolition, reconstruction or major repairs, and would not be in disrepair or dilapidated.

Defence from...
Once it is determined what exactly to insure, it is important to choose from what harm this property should be protected. As noted Oleg Tyrnov, head of the online sales department of the insurance operator Broker 24, the list of risks is extensive: here and fire , And lightning strike , And gas explosion , And natural disasters (from earthquake to tsunami); And bay , And burglary and robbery , And illegal actions of third parties , and even falling of flying objects or their debris . And these are just the “classic” or standard risks that are offered by any insurance company. To these, some insurers add their own options: broken glass, collision with vehicles, settlement of the soil under the foundation; harmful effects of animals and/or birds... “At Rosno, the standard set is supplemented by such risks as theft of keys; careless actions of third parties during repairs; voltage drop in the electrical network; flooding due to breakdown of washing machines, dishwashers or water heaters and as a result of damage to the aquarium,” says Artem Iskra, director of the property insurance department for individuals at Rosno.

The “designer” principle also applies to the selection of risks; moreover, as noted Alexander Blaivas, head of the mass insurance department at Rosgosstrakh, combinations of not only insurance risks, but also insurance objects are possible. Thus, finishing and property can be insured against fire, flooding and illegal actions of third parties, and structural elements can be insured against fire and flooding. The only thing that is impossible is to insure yourself against additional risks without choosing a single classic one.

According to statistics from the Rosgosstrakh company, apartments are most often threatened by flooding, followed by illegal actions of third parties, and then fires. According to Tatyana Khodeeva, Head of the Personal Property Insurance Department of AlfaStrakhovanie OJSC, the most pressing risks for the “constructive” are water damage, illegal actions of third parties, fire, household gas explosion, for household property – also theft, and for equipment and machinery – excessive fluctuations in networks. This is what you need to protect yourself from first of all. But we must keep in mind that the full package usually involves a 3-7% discount and excluding a couple of less significant risks will not help save money.

Classics of the genre
Classic insurance implies that the terms of the contract - the amount for which objects are insured, the list of risks, tariffs - are determined individually. “The policyholder will receive a policy that takes into account all his wishes,” says Lyubov Kononenko (Soglasie Insurance Company), “and he has the opportunity to change the conditions in the future, for example, remove or add risks, increase or decrease the insured amount if purchased or any insurance objects have been sold, etc.”

In some cases, concluding an agreement under the classical program requires a little more time - for drawing up inventories, for inspecting property and finishing, in some cases - for determining the actual value, etc. A certain list of documents from the policyholder is also required - a passport and documents for the apartment are mandatory. “Most often, policyholders present a certificate of state registration of ownership, a social tenancy agreement (if the apartment is municipal), an agreement of shared participation in construction (if a certificate of ownership has not yet been received for the new building), etc. The cost of finishing and home contents can also be confirmed by documents (agreements on repair work, checks, etc.), but if the policyholder does not have such documents, this will not be an obstacle to concluding an insurance contract,” says Lyubov Kononenko (IC “ Agreement").

Classic insurance begins with a definition sum insured , i.e. limit that will be paid in the event of an accident. For all components of the apartment, it is better to set the amounts in accordance with market prices. “Many clients strive to underestimate the insured amounts in order to pay as little as possible (the cost of the policy is determined by the insured amount. - From the editor). But in this case, payments as a result of the insured event will most likely not cover all the costs of repairs,” he assures Natalya Karpova, executive vice president of the Renaissance Insurance group.

If the apartment is new, then the insured amount of structural elements can be established on the basis of a purchase and sale agreement, and if a “resale” is insured, then the insurance agent usually inspects it and calculates the insured amount according to special standards, or a professional assessment of the housing is carried out. You cannot do without it if you are insuring luxury housing.

The insured amount of finishing and engineering equipment is determined on the basis of an agreement with the organization that carried out the repairs and receipts confirming the cost of materials and equipment. Of course, in most cases, apartments are renovated without contracts, so the final cost of finishing, if it is affordable, is determined according to the words of the insured, and in the case of expensive repairs, an inspection is also carried out.

Checks also help to calculate the insured value of household property. But if the objects are not new, their value is reduced according to depreciation rates. If the value of the property is small, no more than 15-20 thousand rubles, then, as a rule, it is included in the policy without inspection and without drawing up an inventory, but the payment is limited to the specified limit. If the property is worth more, an inventory is drawn up indicating the value of each individual object. Insurance is possible without an inventory, but then a limit is set for each unit of insured property, which, as a rule, is lower than the real value of the objects. However, expensive property, for example, antique furniture or art objects, is insured only according to the inventory, and even with a mandatory inspection.

When the insured amount is determined and the risks are selected, it is calculated insurance rate and policy cost . “As a rule, the “constructive” for the full package is insured at a rate of 0.15 - 0.2%, finishing - 0.5 - 0.6%, property - 0.6 - 0.8%,” reports Artem Iskra ( "Rosno") If individual risks are selected, rates may be lower. Also, rates depend on the presence of a sauna, fireplace, gas boiler, and alarm system in the apartment. If there is an alarm or there is a concierge at the entrance, a reduction factor of 0.95 - 0.97 is applied, and if no one permanently lives in the apartment or there is an adjacent balcony, the cost of the policy may increase by 5%. Fireplaces and saunas increase the price of insurance by 10 - 20%. The price is also influenced by the material from which, for example, wooden floors will increase the cost of the policy by 30 - 40%.

In Moscow, the average cost of an insurance policy for economy class housing is 10-20 thousand rubles., for the business segment - $ 1-2 thousand, and for luxury housing – $ 3-10 thousand“In an ordinary apartment, in a brick house, with an area of ​​86 square meters. m were insured for the “structure”, decoration, movable property and civil liability to third parties for a total amount of 8 million rubles. The risk package included fire, lightning, gas explosion, damage to the insured property by water from water supply, sewer, heating and fire extinguishing systems, burglary and robbery, and the insurance premium amounted to about 20 thousand rubles,” says Oleg Tyrnov ( "Broker 24").

“One of the objects we recently insured was the finishing of an apartment and home contents for a full package. The total insured amount under the policy was $350 thousand, and the insurance premium was $1,458,” gives an example for business class Alexander Andrakhanov, head of the direct sales department of ISK Euro-Polis LLC.

And Artem Iskra (Rosno) talks about the insurance of luxury housing: “We insured an apartment on Krasnopresnenskaya embankment and the property in it for a total amount of $600 thousand for a full package of risks. The insurance premium amounted to $2.8 thousand. And by the way, there was an insured event under this contract - as a result of a broken ball valve, the apartment was flooded by the neighbors above, the damage amounted to more than $120 thousand.”

Insurance "box"
Today, “boxed products” or express programs, such as “Megapolis Express” from Rosno or “Rosgosstrakh-apartment “Active”, have become widespread. These are unified products that provide certain sums insured, several sets of risks, and for each case the insurance premium is already set in advance. For example, it may be proposed to insure all components of an apartment for 4.6 or 8 million rubles. (in this case, liability limits are established for each object, say, 50% of the specified amount - “structural”, 25% - finishing, 25% - property), only from fire and flooding or for the full package. Some companies also offer a wider choice - the insured amount and the set of risks for the “construction”, finishing and home contents are determined separately. For example, the RESO-Garantiya company offers 7 different versions of such a program.

“Boxed products” do not take into account the individual characteristics of the apartment: according to Oleg Tyrnov (“Broker 24”), under the same conditions, by paying the same amount, you can insure both a two-room apartment in an old building and a three-room new building in a monolith. This may seem unfair, but here lies one of the main advantages of such programs - a unified approach does not require an inventory of property, contracts, checks, inspections and assessments, the policyholder does not need to calculate how much his property is worth, he just needs to check the boxes in a simple form and select the one he needs insurance option. In addition, under express programs, small losses are usually compensated without documents from the competent authorities.

But, however, in the event of a serious insured event, the time saved when applying for a policy will still have to be spent: “You will need to collect documents confirming the availability and value of the insured property, which in the case of classic insurance are collected at the conclusion of the contract,” says Alexey Kozmin (UralSib) ). A not very pleasant aspect of “boxed products” and an unconditional deductible: damage is almost always provided for, which the policyholder will cover at his own expense, usually 0.5% of the insured amount. The fact that express programs, as a rule, are designed for compensation “at the first risk”, i.e., may also have not very good consequences. when the first insured event occurs, the damage (within the insured amount) is paid in full, and in subsequent cases - only what is left of the insured amount. Well, if there is nothing left of it, then the contract will terminate, while with classical insurance the insured amount usually does not dry up, no matter how many insured events occur. However, according to statistics, there is rarely more than one insured event per insurance policy.

The cheapest express policies cost around 400-500 rub.. For example, such prices are offered by ISK Euro-Polis. And in the Renaissance Insurance company, the minimum cost of insurance for a “boxed product” of finishing and equipment is 750 rub.., and for household property – 960 rub.. True, such prices correspond to small insurance amounts up to 100-200 thousand rubles. or a very limited risk package. If you insure property at more realistic prices, the policy will be more expensive.

Thus, Alfastrakhovanie offers the AlfaKVARTIRA product, through which you can insure decoration, household property and civil liability to third parties for a year. There are several options to choose from, including “Standard” - fire, lightning strike, gas explosion, water damage to the insured property, burglary, robbery; and “Comfort” - fire, lightning strike, gas explosion, water damage to property, burglary, robbery, falling flying objects, malicious actions of third parties, natural disasters. The cost of the policy when insuring finishing for 300 thousand rubles. according to the “Standard” option and household property for the same amount, but according to the “Comfort” option it will be 3.3 thousand rubles.

At UralSib you can purchase the “My Fortress - Express” policy, which insures the “structure”, decoration, household property and civil liability, a full package of risks or a choice of individual risks is possible. With a full package of risks, comprehensive insurance of the apartment in the amount of 6 million rubles. will cost 7.2 thousand rubles., and the “construct” will be insured for RUB 3.6 million., and finishing with engineering equipment and household property - on RUB 1.2 million. each.

IC “Soglasie” presents the “Comfort City” program, under which apartments (“constructive”) with a total area of ​​up to 150 square meters are accepted for insurance. m, as well as their decoration, household property and civil liability. The condition of compensation is “At the first risk” and a standard package of 7 main risks is offered. “Under this program, a 2-room apartment with ordinary finishing and without expensive property, rented out, was insured. The minimum insurance amounts were chosen: 4 million rubles for “structural elements” (since the house is equipped with gas stoves, the policyholder was afraid of a gas explosion, which could damage not only the finishing of the apartment, but also its “structural elements”), 250 thousand rubles for finishing and engineering equipment, 150 thousand rubles for movable property and 500 thousand rubles for civil liability. The total premium was 9,700 rubles, which the policyholder paid in 2 installments over 3 months,” says Lyubov Kononenko (Soglasie Insurance Company).

While the owner is away
Another fashionable insurance product today is apartment insurance for the duration of a vacation or business trip. “Insurance under the classic program for 1 month will cost about 20% of the annual cost of the policy,” reports Maxim Gofman (RESO-Garantiya). Some insurers develop short-term products, policies for which are issued for a period of 1 to 90 days. There are such in UralSib, Alfastrakhovanie, Rosno, etc.

“Our company has a product for those traveling abroad, AlfaTRAVEL, which implies the possibility of including the “property insurance” option. Apartment decoration and movable household property, including jewelry, are accepted for insurance, and the policy can be purchased on our website without visiting the office,” says Tatyana Khodeeva (“AlfaStrakhovanie”). In Rosno, you can protect the structure, decoration and property during departure. All this is accepted for insurance without inspection. “And the cost of the policy costs only 1 or 2 dollars per day, depending on the selected risks,” says Artem Iskra (Rosno).

Portal summary
Today, an apartment can be protected from almost any misfortune, taking into account all the individual parameters of the insurance objects and all one’s own wishes, or by purchasing a universal “boxed product” in 5 minutes. You just need to decide which method – “classic” or “express” – suits you best.

Insurance rates for apartment insurance in August 2011 in Moscow

Now on the portal www.irn.ru There is an online voting on the topic: “You are insured for today.” Share your opinion!