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Деревянный дом. Как его застраховать?

Деревянный дом. Как его застраховать? Фотограмма

     Страховка дома... наверное, каждый хоть раз в жизни, но задумывался об этом. Особенно, когда строительство дома подходит к концу.

     На самом деле, страховка - это совсем несложный процесс. Потребуется минимум усилий, знаний и документации. Конечно, ещё совсем недавно, потребовались бы услуги посредников, оценщика и только потом, можно было бы связаться с самой страховой компанией. Но сегодня всё намного проще! Можно оценить дом самостоятельно и сразу же связаться напрямую со страховым агентством.

     Зачем она - страховка? При страховании деревянного дома, агент предложит стандартный набор, то есть:

  • Стихийные бедствия. Это град, сильные дожди и ветер, мороз или жара, снегопад и тому подобное.
  • Несчастные случаи. Это пожар или авария водопроводных труб, отопительных или канализационных сетей, взрыв, наезд транспорта на дом, падения дерева или электростолбов, а ещё падение пилотируемых летальных аппаратов или непилотируемых.
  • Противоправные действия (нападение) третьего лица. Это хулиганство, разбойное нападение и прочее.

     Что-то одно выбирать не стоит, в любом случае страховка происходит по всем пунктам.

     Пример из жизни. Проведем такой эксперимент - «Сколько стоит страховка деревянного дома?».

     Позвонив в три самые известные страховые компании, представившись обладателями деревянного дома, который уже почти достроен и в котором собирается семья жить постоянно. Площадь дома названа 180 кв.м. особенность дома - это действующий камин и паровой котёл, работающий от газа.

     Какую сумму нам назвали страховые компании? Два агентства назвали вполне стандартные суммы 50 000 и 200 000 долларов. А вот третье агентство предложило назвать свою сумму оценки, в ответ они сами подсчитают месячную оплату. Особенность такой оценки - это чистая стоимость самого дома, а также стоимость всей мебели, бытовой техники и всех ценностей. Также, если есть баня, беседка, гараж или сарай, или прочие объекты, которые находятся на территории, можно также включить в стоимость страховки. Конечно, страховка будет несколько дороговата, но зато можно жить спокойно.

     К примеру, выберем страховку в 200 000 долларов, то взнос будет равняться одной тысяче долларов. Ну, а если семья решила жить в квартире в городе, а загородный дом использовать, как дачу для отдыха, в этом случае сумма взноса вырастет до 1 275 долларов. Максимальная сумма страховки, на которую можно рассчитывать в этом случае - 150 000 долларов. Не больше. Почему взнос выше? Это связано с тем, что хозяева будут часто отсутствовать в доме. Как только семья решила переехать на другое место жительства, то желательно, о своём решении сразу же сообщить страховому агентству.

     Необходимая документация.

  1. Дубликат акта на земельный участок.
  2. Дубликат паспорта на дом.
  3. Дубликат гражданского паспорта жильцов, то есть хозяев дома.
  4. Дубликат всей документации, которая бы подтвердила права собственности.

     Качественный фотосет.

     Собранная документация - это далеко не всё, что требуется для страховки. Потребуются ещё и качественные фотографии. Что именно фотографировать? Общий вид дома, крышу и стены. Если в доме имеется дорогостоящая бытовая техника, то лучше сфотографировать и её. Потребуется не менее 25 фоток.

     Итак, собрав фотографии и всю документацию можно смело нести весь пакет в страховое агентство. Потом надо буде подождать два-три дня и дом будет застрахован. За эти два-три дня представители агентства зайдут, чтобы лично оглядеть дом.

     После всей проведённой процедуры счастливому обладателю деревянного дома останется только вовремя платить взносы.

 

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Автор : Лариса Аушева
26.06.2012


Источник : Информационная служба ChelReal.ru
Раздел : Малоэтажное строительство
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25.11.2020   20:20   larry isaac
Dr Ishiaku herbal medicine is mighty and genuine,I use to use Mellisa oil and Lavender Healing herbs but result were just still the same.But using Doctor Ishiaku herbal medicine cured my herpes final and I have being living for 2 years now No Sores.My herpes is truely gone.Contact him if you interested of his herbal medicine too Dr Ishiaku can as well cure the following....HIV...HERPES,,COPD..FIBROID..ASTHMA..DIABETES..SICKLE CELL...ALS..EPILEPSY,,HEPATTITIS...CANCER...LOVE SPELL ...ishiakuherbalcure@gmail.com Or Whats-app Number On +2348180828544
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27.11.2020   02:50   David Son
This year 2020 has already been a great blessing to me through the sincere help I got from Dr Agbomian who help me cure my HIV Virus and also make me believe that with God all things are possible. I lost hope after all the hope I got from various Herbalists who claim to help me but they end up showing their self wrong. I will advise you to work with Dr Agbomian to sort out your health issues. He also cures Herpes, Cancer, Diabetes, HBP, Fibroids, infertility, BV, STD and lot more. Contact +2347040843115 or email (dragbomianherbalcured77@gmail.com)
28.11.2020   19:53   larry isaac
i want to inform the public how i was cured of herpes  Virus by a Doctor called Dr ishiaku. I visited different hospitals but they gave me a list of drugs like Famvir, Zovirax, and Valtrex which are very expensive to treat the symptoms and never cured me. I was browsing through the Internet searching for remedies on Herpes and I saw comments of people talking about how Doctor ishiaku cured them. I Was scared because i never believed in the Internet but i was convinced to give him a try because i was having no hope of been cured of herpes so i decided to contact him on his email, i searched his email on net and i saw a lot of people testifying about his goodness. When I contacted him he gave me hope and send a Herbal medicine to me that i took and it seriously worked for me, am a free person now without problem, my HERPES result came out negative. You can contact him on his email: ishiakuherbalcure@gmail.com or whats-app him via + 2348180828544 and get all your problems solved. 1)Sickness of any kind 2)Help to CURE Hepatitis B, herpes, HIV/AIDS CANCER and BIPOLAR 3)Divorce, Breakup problem and To Re-unit 4)Pregnancy problem 5)Financial problem and Job promotion 6)bad mouth odour 7)eye or ear problem 8) enlargement of manhood you can also visit his website for information www.ishiakuherbalcure.wordpress.com
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04.12.2020   22:45   James Mac
God bless GREAT Dr Omongbe for his marvelous work in my life, I was diagnosed of Herpes Simplex Virus since 4 years and I was taking my medications, I wasn't satisfied and I needed to get the Herpes out of my system, I searched about some possible cure for HERPES and I saw a comment about GREAT Dr Omongbe, how he cured HERPES with his herbal medicine, I contacted him and he guided me. I asked for solutions, he started the remedy for my health, he sent me the medicine through fedex delivery company. I took the medicine as prescribed by him and 14 days later I was cured from Herpes virus. GREAT Dr Omongbe, truly you are great. Do you need his help also? Why don't you contact him through this Email:dromongbenaturalremedies@gmail.com GREAT Dr Omongbe CAN AS WELL CURE THE FOLLOWING DISEASES:- 1. HIV/AIDS 2. HERPES 3. CANCER 4. ALS 5. HEPATITIS B 6. DIABETES 7. HUMAN PAPILOMA VIRUS DISEASE(HPV) 8. ALZHEIMER Whstsap him on +2348050407265 His website https://dromongbenaturalre.wixsite.com/dromongbenaturalreme
10.12.2020   19:33   joyce lucky
I have been suffering from (HERPES SIMPLEX VIRUS) disease for the past one years and had constant pain, especially in my knees. During the first year,I had faith in God that i would be healed someday.This disease started circulating all over my body and i have been taking treatment from my doctor, few weeks ago i came on search on the internet if i could get any information concerning the prevention of this disease, on my search i saw a testimony of someone who has been healed from (HERPES SIMPLEX VIRUS) by this Man Dr patrick and she also gave the email address: dr.patrickherbalhome@gmail.com of this man and advise we should contact him for any sickness that he would be of help, so i wrote to Dr. patrick telling him about my (HERPES Virus) he told me not to worry that i was going to be cured!! hmm i never believed it,, well after all the procedures and remedy given to me by this man few weeks later i started experiencing changes all over me as the doctor assured me that i have cured,after some time i went to my doctor to confirmed if i have be finally healed behold it was TRUE, So friends my advise is if you have such sickness or any other at all you can email:: dr.patrickherbalhome@mail.com or whatsApp his number on +2348055367947
17.12.2020   05:26   Hannah Pandl
I visited different hospital but they gave me list of expensive drugs to treat the symptoms and never cured me. A closed friend of mine introduce me to a Herbal Doctor who cured her. I was scared to contact him because of what i experienced from fake doctors. she encouraged me and gave me his whatsapp contact,and i contacted him and i asked him series of questions, i also ask him to show me the results of those he have cured with his herbal drugs,and he gave me all the information i needed that gave me hope. He send a Herbal medicine to me that i took and it seriously worked for me. am now Hepatitis negative. God bless you for being a sincere and great man. Am so excited and am free from herpes virus. you can reach him via email;drshaibuabacha@gmail.com or whats-app/call on +2349051727475. He also cure several ailments like ; Mouth odour,  Diabetes, Stroke, Hypertension,  kidney problem, Ex back, Low sperm count, Weak Erection and HIV/Aids. Please do not hide you problems so your problems will not hide you.
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19.12.2020   15:08   achieverraymond
Its a pleasure for me to write this testimony about this wonderful thing that happened to me last week on how i got my HIV aids cured, i have been reading so-many post of some people who were cured of HIV, but i never believed them, I was hurt and depressed so I was too curious and wanted to try dr.odoma then i contacted him on his email on drodomasolutionhome20@gmail.com when i contact him, he assured me 100% that he will heal me, i pleaded with him to help me out, its a great success that he healed just as he promised, he told me that in three days time that i should go and check on my HIV status, I was floored that when i went to the hospital to check of my status that i was HIV negative, i never thought possible that dr.odoma can do miracles, i never really believed in magic but I played along with a little hope and faith and after everything but dr odoma changed my life and made me a true believer you can contact him drodomasolutionhome20@gmail.com or whatsapp Number: +2348100649947 he said that he is also specialize on the following diseases: HERPES, HIV, ALS, HPV, DIABETES, HEPATITIS B, CANCER,SICKLE CELL, VIRGINAL DRYNESS, And Bring Back Yours Ex back.
19.12.2020   15:08   achieverraymond
Its a pleasure for me to write this testimony about this wonderful thing that happened to me last week on how i got my HIV aids cured, i have been reading so-many post of some people who were cured of HIV, but i never believed them, I was hurt and depressed so I was too curious and wanted to try dr.odoma then i contacted him on his email on drodomasolutionhome20@gmail.com when i contact him, he assured me 100% that he will heal me, i pleaded with him to help me out, its a great success that he healed just as he promised, he told me that in three days time that i should go and check on my HIV status, I was floored that when i went to the hospital to check of my status that i was HIV negative, i never thought possible that dr.odoma can do miracles, i never really believed in magic but I played along with a little hope and faith and after everything but dr odoma changed my life and made me a true believer you can contact him drodomasolutionhome20@gmail.com or whatsapp Number: +2348100649947 he said that he is also specialize on the following diseases: HERPES, HIV, ALS, HPV, DIABETES, HEPATITIS B, CANCER,SICKLE CELL, VIRGINAL DRYNESS, And Bring Back Yours Ex back.
19.12.2020   15:08   achieverraymond
Its a pleasure for me to write this testimony about this wonderful thing that happened to me last week on how i got my HIV aids cured, i have been reading so-many post of some people who were cured of HIV, but i never believed them, I was hurt and depressed so I was too curious and wanted to try dr.odoma then i contacted him on his email on drodomasolutionhome20@gmail.com when i contact him, he assured me 100% that he will heal me, i pleaded with him to help me out, its a great success that he healed just as he promised, he told me that in three days time that i should go and check on my HIV status, I was floored that when i went to the hospital to check of my status that i was HIV negative, i never thought possible that dr.odoma can do miracles, i never really believed in magic but I played along with a little hope and faith and after everything but dr odoma changed my life and made me a true believer you can contact him drodomasolutionhome20@gmail.com or whatsapp Number: +2348100649947 he said that he is also specialize on the following diseases: HERPES, HIV, ALS, HPV, DIABETES, HEPATITIS B, CANCER,SICKLE CELL, VIRGINAL DRYNESS, And Bring Back Yours Ex back.
19.12.2020   15:09   achieverraymond
Its a pleasure for me to write this testimony about this wonderful thing that happened to me last week on how i got my HIV aids cured, i have been reading so-many post of some people who were cured of HIV, but i never believed them, I was hurt and depressed so I was too curious and wanted to try dr.odoma then i contacted him on his email on drodomasolutionhome20@gmail.com when i contact him, he assured me 100% that he will heal me, i pleaded with him to help me out, its a great success that he healed just as he promised, he told me that in three days time that i should go and check on my HIV status, I was floored that when i went to the hospital to check of my status that i was HIV negative, i never thought possible that dr.odoma can do miracles, i never really believed in magic but I played along with a little hope and faith and after everything but dr odoma changed my life and made me a true believer you can contact him drodomasolutionhome20@gmail.com or whatsapp Number: +2348100649947 he said that he is also specialize on the following diseases: HERPES, HIV, ALS, HPV, DIABETES, HEPATITIS B, CANCER,SICKLE CELL, VIRGINAL DRYNESS, And Bring Back Yours Ex back.
19.12.2020   15:09   achieverraymond
Its a pleasure for me to write this testimony about this wonderful thing that happened to me last week on how i got my HIV aids cured, i have been reading so-many post of some people who were cured of HIV, but i never believed them, I was hurt and depressed so I was too curious and wanted to try dr.odoma then i contacted him on his email on drodomasolutionhome20@gmail.com when i contact him, he assured me 100% that he will heal me, i pleaded with him to help me out, its a great success that he healed just as he promised, he told me that in three days time that i should go and check on my HIV status, I was floored that when i went to the hospital to check of my status that i was HIV negative, i never thought possible that dr.odoma can do miracles, i never really believed in magic but I played along with a little hope and faith and after everything but dr odoma changed my life and made me a true believer you can contact him drodomasolutionhome20@gmail.com or whatsapp Number: +2348100649947 he said that he is also specialize on the following diseases: HERPES, HIV, ALS, HPV, DIABETES, HEPATITIS B, CANCER,SICKLE CELL, VIRGINAL DRYNESS, And Bring Back Yours Ex back.
25.12.2020   17:37   BillyLoolf
28.12.2020   03:38   Hannah Pandl
Herbal treatment is 100% guarantee for HSV cure, the reason why most people are finding it difficult to cure HSV is because they believe on medical report, drugs and medical treatment which is not helpful to cure HSV. Natural roots/herbs are the best remedy which can easily eradicate herpes forever, for more information about herpes cure Please write Dr. Shaibu Abacha for any health challenge. God bless you.Email: drshaibuabacha@gmail.comWhatsapp: +2349061521409
29.12.2020   12:39   Hannah Pandl
Thank God for my life cuz i'm a living testimony today because i'm free from (GENITAL HERPES). Last year I started on COPD formula treatment from Dr Shaibu Abacha herbs foundation, the treatment worked incredibly for my lungs condition. I used the herbal treatment for almost A months, it reversed my chronic obstructive pulmonary disease, which is also known as (HERPES DISEASES). My severe shortness of breath, dry cough, low energy, fatigue, chest tightness and others gradually disappeared with the help of Dr. Shaibu Abacha herbal treatment. I'm so happy for my life and grateful to Dr.Shaibu for his Awesome work. Visit Dr.Shaibu Abacha herbs foundation official today at drshaibuabacha@gmail.com.OR whatsApp on +2349061521409. This COPD treatment has improved the quality of my life greatly, i breath much better and feel comfortable doing so!... thanks once again Dr. shaibu Abacha, you can also contact him  for other kinds of illness....Do not hide your sickness so your sickness will not hide you.
29.12.2020   21:23   calvince navas
I found out that taking herbal treatment is the best to get rid of HPV as soon as i feel the symptoms of HPV are appearing, I take the healing process by contacting Dr Ogedegbe for natural treatment, it works wonders and amazingly. Ever since I had the herbal treatment i have not feel this virus anymore and my doc told me the virus is gone, I am glad I finally got cured out from this disease. Any HPV or herpes patients should also get in touch with this herbalist Dr Ogedegbe to get rid of any disease forever his You can contact him on his email via dr.ogedegbe6@gmail.com or whatsapp +2348109374702 or visit his youtube channel https://www.youtube.com/channel/UC-Hx8eErDaQ3gZce2U87GSQ....
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10.01.2021   14:54   dana lynn
Joy and happiness is all i see around ever since i came in contact with this great man. i complained bitterly to him about me having herpes only for him to tell me its a minor stuff. He told me he has cured thousands of people but i did not believe until he sent me the herbal medicine and i took it as instructed by this great man, only to go to the hospital after two weeks for another test and i was confirmed negative. For the first time in four years i was getting that result. i want to use this medium to thank this great man. His name is Dr aziegbe, i came in contact with his email through a friend in UK and ever since then my live has been full with laughter and great peace of mind. i urge you all with herpes or HSV to contact him if you willing to give him a chance. you can contact him through this email DRAZIEGBE1SPELLHOME@GMAIL .COM or you can also WhatsApp him +2349035465208 He also cured my friend with HIV and ever since then i strongly believe he can do all things. Don't be deceived thinking he does not work, i believe if you can get in contact with this man all your troubles will be over. i have done my part in spreading the good news. Contact him through his email and you will be the next to testify of his great work.
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