[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.levcik.sk\/poistenie-vasej-nehnutelnosti-je-dolezite\/#Article","mainEntityOfPage":"https:\/\/www.levcik.sk\/poistenie-vasej-nehnutelnosti-je-dolezite\/","headline":"Poistenie va\u0161ej nehnute\u013enosti je d\u00f4le\u017eit\u00e9","name":"Poistenie va\u0161ej nehnute\u013enosti je d\u00f4le\u017eit\u00e9","description":"Mnoh\u00ed \u0161etria na nespr\u00e1vnych veciach napr\u00edklad aj na poisten\u00ed toho najv\u00fdznamnej\u0161ieho, \u010do maj\u00fa \u2013 nehnute\u013enosti. Pritom hodnota majetku je omnoho vy\u0161\u0161ia ako cena ro\u010dn\u00e9ho poistn\u00e9ho. […]","datePublished":"2018-10-27","dateModified":"2023-04-25","author":{"@type":"Person","@id":"https:\/\/www.levcik.sk\/author\/#Person","name":"","url":"https:\/\/www.levcik.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9cae764794acc12213aa530e21558ed2bd96c03f91e0c3ad21cc1905765be658?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9cae764794acc12213aa530e21558ed2bd96c03f91e0c3ad21cc1905765be658?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"levcik.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.levcik.sk\/wp-content\/uploads\/img_a292134_w16579_t1539784206.jpg","url":"https:\/\/www.levcik.sk\/wp-content\/uploads\/img_a292134_w16579_t1539784206.jpg","height":0,"width":0},"url":"https:\/\/www.levcik.sk\/poistenie-vasej-nehnutelnosti-je-dolezite\/","wordCount":362,"articleBody":" Mnoh\u00ed \u0161etria na nespr\u00e1vnych veciach napr\u00edklad aj na poisten\u00ed toho najv\u00fdznamnej\u0161ieho, \u010do maj\u00fa \u2013 nehnute\u013enosti. Pritom hodnota majetku je omnoho vy\u0161\u0161ia ako cena ro\u010dn\u00e9ho poistn\u00e9ho. In\u00ed s\u00edce poistku maj\u00fa, ale nesleduj\u00fa si poistn\u00fa sumu. \u010co to znamen\u00e1? \u017de nehnute\u013enos\u0165 ka\u017ed\u00fdm rokom na cene rastie, ale poistn\u00e1 suma sa nemen\u00ed. D\u00f4sledkom je, \u017ee ak pr\u00edde k poistnej udalosti, poistn\u00e1 suma, ktor\u00e1 v\u00e1m bude vyplaten\u00e1, nebude ma\u0165 hodnotu.  \u010co v\u0161etko sa d\u00e1 v pr\u00edpade nehnute\u013enosti poisti\u0165?Budova Naj\u010dastej\u0161ie ide o rodinn\u00fd dom alebo byt; poisti\u0165 je mo\u017en\u00e9 aj chatu, gar\u00e1\u017e, dom vo v\u00fdstavbe. V\u00e4\u010d\u0161inou sa d\u00e1vaj\u00fa poisti\u0165 rizik\u00e1 ako je po\u017eiar alebo z\u00e1plavy. Mo\u017en\u00e9 je poisti\u0165 aj riziko straty pr\u00edjmov z n\u00e1jmu, v pr\u00edpade, \u017ee nehnute\u013enos\u0165 prenaj\u00edmate. Av\u0161ak nie ka\u017ed\u00e1 pois\u0165ov\u0148a tak\u00e9to poistenie pon\u00faka.Dom\u00e1cnos\u0165  Predmetom poistenia je vybavenie nehnute\u013enosti a pois\u0165uj\u00fa sa rizik\u00e1 ako: po\u017eiar, dym, v\u00fdbuch, vandalizmus, vl\u00e1manie, l\u00fape\u017e, povode\u0148, vietor, p\u00e1d stromu, lietadla, po\u0161kodenie fas\u00e1dy hmyzom, vt\u00e1kmi, hlodavcami, rozbitie skla, at\u010f. Hlavn\u00fdm krit\u00e9riom je v\u0161eobecn\u00e1 poistn\u00e1 suma, na ktor\u00fa je dom\u00e1cnos\u0165 poisten\u00e1.Zodpovednos\u0165 za \u0161kodu  Ke\u010f vlastn\u00edte nehnute\u013enos\u0165, existuj\u00fa ur\u010dit\u00e9 rizik\u00e1, ktor\u00e9 v\u00e1m ako majite\u013eovi, pr\u00edpadne ostatn\u00fdm \u013eu\u010fom hrozia, napr\u00edklad vytopenie suseda a podobne. Tieto sa kryj\u00fa poisten\u00edm zodpovednosti za \u0161kodu. Zo v\u0161etk\u00fdch troch typov ide o najlacnej\u0161ie poistenie, av\u0161ak je dobr\u00e9 ho ma\u0165, lebo nikdy neviete, \u010do sa m\u00f4\u017ee sta\u0165 a \u010do od v\u00e1s kto m\u00f4\u017ee vym\u00e1ha\u0165. V\u0161imnite si aj v\u00fd\u0161ku dohodnutej spolu\u00fa\u010dasti, to znamen\u00e1 akou \u010das\u0165ou sa na vzniknutej \u0161kode budete podie\u013ea\u0165 vy.Nehnute\u013enos\u0165 pri hypot\u00e9ke Poistenie zalo\u017eenej nehnute\u013enosti je podmienkou pre \u010derpanie hypot\u00e9ky. Banka sa t\u00fdm ist\u00ed, \u017ee nepr\u00edde o zabezpe\u010denie poskytnut\u00e9ho \u00faveru. Poistn\u00e9 plnenie pri vzniku \u0161kody je vinkulovan\u00e9 v prospech banky. Poistenie je mo\u017en\u00e9 uzavrie\u0165 prostredn\u00edctvom banky.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Poistenie va\u0161ej nehnute\u013enosti je d\u00f4le\u017eit\u00e9","item":"https:\/\/www.levcik.sk\/poistenie-vasej-nehnutelnosti-je-dolezite\/#breadcrumbitem"}]}]