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I want to insure your apartment. What documents are needed for this?

You must provide your insurance company passport, TIN and legal documents for real estate - this may be proof of ownership or a notarized contract of sale, lifetime support (care), rent, gift, exchange, certificate of inheritance, etc. Note that when the insured event the absence of these documents may be grounds for denial of insurance claims.

Can I save money when insuring an apartment?

First, the apartment does not insure against all, and from certain, most likely in a particular case, the risks;
Secondly, the increase in deductibles will lower the price;
Thirdly, the payment of an insurance policy one-time payment rather than installments, also will provide an opportunity to reduce the tariff.
Fourth, at any time of year on vacation you can buy short-term (1 month) insurance apartment ...

We have a cottage in the country. It happens out there in the summer almost all the time, but rarely in the winter to go and see. By the way, when we were in the country, we are left with an empty apartment, with a long time. Although we have good neighbors, and the concierge there, but still at the heart restless. Tell me, how best to insure the property, and from what?

Let us in turn. Cabins are insured as any other type of real estate from a standard set of risks. Feature insurance cottages is that there is an increased risk of arson and property damage resulting from wrongful acts of third parties. As for the apartment, on the long absence of a person at home, especially important is the insurance of risks "fire", "explosion", "flooding", "theft". In addition to property insurance, the insurance program for the apartment, we recommend that include liability insurance to third parties (neighbors) for the harm caused to their property, life and health. In addition, and the cottage, and you can insure an apartment only for a season, that is, three-month apartment - in the summer, and summer house - in the winter, which will significantly save on the insurance policy.

Which risks are most important in insuring the apartment at the time of departure?

In the long absence of a person at home is especially important risk insurance "fire", "explosion", "flooding", "theft". In addition to property insurance, the insurance program are encouraged to include an apartment liability insurance to third parties (neighbors) for the harm caused to their property, life and health. Why is this important? Imagine that while no one is home, a short circuit occurs (as a consequence - a fire), leaking plumbing or heating system (as a consequence - the flood). In what condition will the property's neighbors, in my opinion, no need to comment. Well, if you suffer only a flat, rather than the entire riser. Agree, in this case without the help of an insurance company to settle with angry people will be very difficult.

What is the value of the home is best to specify in the contract so as not to deceive himself?

If insurance is best to specify the real or, in other words, the replacement value of real estate. This is the amount for which you can build the exact same house, excluding the cost of the land on which the home is located. However, if the market price of the house below its replacement value, it is the basis of a first magnitude. Overestimate the amount of insurance for property owners does not make sense, because overstating the payment in any case will be based on the real value of the object. For a more accurate estimate is possible to hire the services of a professional appraiser, but for his work will have to pay from 300 to 500 hryvnia. However, it is possible to insure the house and on the declared value. For example, many owners of new homes the appraiser knows better than anyone how much they cost the construction of ...

In winter in the country almost never happens. Security is a cooperative, but purely "symbolic." Can I insure a cottage?

To insure a cottage for the winter can be. But, of course, if the house does not seriously protected, and it has consistently failed to live, then taking it to be used for insurance multiplying factor: the risk that a property unprotected something might happen later. You can also insure the cottage for the summer only if it is, for example, rent. But in any case, the treaty to enter into more profitable for the year. It is cheaper and when you make the next policy you will be able to take advantage of the conditions of the loyalty program for customers.

Has the insurance wooden houses?

Be accepted. Especially a lot of these homes we insure in Western Ukraine. However, the rate will be slightly higher than if we were talking about the same, but the stone house.

Always there when insurance is required viewing? I do not want to let other people's home.

If the sum insured does not exceed the limits set by the Company (eg: a house worth up to 900 000.00.) And you will not insure valuables (works of art, paintings, weapons, etc.) - Survey conducted by the client. But, if you agree to the inspection, it will affect the reduction of insurance premium downward. In addition, when the insured event does not require additional expertise, and you do not have to prove that the TV was exactly the model that is listed in the inventory. That is, the inspection process is significantly begged insurance reimbursement, both you and us.

I plan to insure the cottage, that's just how to choose a franchise?

We recommend choosing a zero. Of course, if the franchise is ten percent, the payment will be reduced to the thirty percent. But few of the clients, insuring your property, agrees to a higher deductible. After all they are interested in that completely covers the amount of compensation for damages.

Can we expect any discounts on home insurance?

When insuring homes provided correction factors that regulate both increase and decrease insurance rate. Here are the factors, which can entail lowering of tariff rates:
- Payment of lump sum insurance payment;
- With the full package of insurance risks;
- Availability of the franchise and its size;
- If the extension of the Treaty the following year.

No sooner had the paperwork on the house, can I insure it - I agree to the inspection and assessment specialist insurance company.

Of course you can, but only after the registration of all documents on legislation can not be insured properties are not registered properly, because the insurer must document the property interest.

Which risks should I insure the entire country cottage?

Lodge, cottage or vacation home can be insured by a standard set of risks: fire, explosion, flood, theft, natural disasters and deliberate damage to property. If we talk about the cottages, in contrast to the cottages, they are set not only fireplaces and air conditioners, they summed up the internal communications of urban type, so it should take care of insurance at the accident from the Gulf of engineering systems: pipe breaks occur approximately 2-3 times more often than fires. However, you may voluntarily choose a combination of risk for different groups of assets (construction, decoration, equipment, buildings, household goods), which will insure the property only on those events that concern the homeowner more than anything, and the opportunity to save money without paying the cost of risk irrelevant.
Same basic risk is insurance against fire, because fire causes much more serious damage than water.

Can I insure except for the cottages, even a sauna and utility extensions?

Yes, of course. In addition to the basic structures (cottages, houses, villas, including structural engineering, exterior and interior trim and equipment at home), you can insure and more - saunas, sheds, kitchens, additions, porches, terraces, summer kitchen, houses for protection, swimming pools, fences etc. Depending on your product, you can also insure only the bearing structures of the house or just the interior trim and additional technical equipment (covering, fireplaces, stoves, built-in furniture, interior equipment, engineering, etc.). In addition, we recommend to insure your liability to third parties - your neighbors.

Can I enter into a contract of insurance is not for the whole year, but, for example, only in winter when there is nobody in the country?

Yes, we can conclude a contract of insurance is not the whole year, and at a time when no one lives in the house. But we want to draw your attention that it is cheaper to contract for a year.