{"id":7603,"date":"2020-08-12T07:16:11","date_gmt":"2020-08-12T05:16:11","guid":{"rendered":"https:\/\/www.wachal.cz\/jak-pojistit-svou-domacnost-v-roce-2020\/"},"modified":"2020-08-12T07:16:11","modified_gmt":"2020-08-12T05:16:11","slug":"jak-pojistit-svou-domacnost-v-roce-2020","status":"publish","type":"post","link":"https:\/\/www.wachal.cz\/en\/jak-pojistit-svou-domacnost-v-roce-2020\/","title":{"rendered":"Jak pojistit svou dom\u00e1cnost v roce 2020"},"content":{"rendered":"

V \u017eivot\u011b je nejd\u016fle\u017eit\u011bj\u0161\u00ed zdrav\u00ed a rodina. A hned za nimi jsou v\u0161echny va\u0161e p\u0159edm\u011bty a cennosti, kter\u00e9 m\u00e1te doma. M\u00e1lokdo je schopen takov\u00e9ho zenov\u00e9ho klidu, aby se s nimi dok\u00e1zal ze dne na den rozlou\u010dit, kdy\u017e je vezme voda, lehnou popelem, nebo zmiz\u00ed v ciz\u00ed kapse. Proto je dobr\u00e9 si je pojistit, abyste za n\u011b p\u0159\u00edpadn\u011b dostali alespo\u0148 n\u011bjakou tu finan\u010dn\u00ed n\u00e1hradu. A k tomu p\u0159esn\u011b slou\u017e\u00ed poji\u0161t\u011bn\u00ed dom\u00e1cnosti.<\/b><\/span><\/p>\n

V\u00edte, \u017ee je rozd\u00edl mezi poji\u0161t\u011bn\u00edm dom\u00e1cnosti a nemovitosti?<\/b><\/h2>\n

Tohle je pom\u011brn\u011b roz\u0161\u00ed\u0159en\u00e1 <\/span>chyba p\u0159i sjedn\u00e1v\u00e1n\u00ed poji\u0161t\u011bn\u00ed<\/b>. Spousta lid\u00ed si toti\u017e mysl\u00ed, \u017ee poji\u0161t\u011bn\u00ed dom\u00e1cnosti se uzav\u00edr\u00e1 pro byty, kde\u017eto poji\u0161t\u011bn\u00ed nemovitosti je ur\u010den\u00e9 majitel\u016fm dom\u016f, co\u017e nen\u00ed pravda. Ob\u011b pojistky si m\u016f\u017eete sjednat t\u0159eba i na <\/span>obytn\u00fd kontejner<\/span><\/a>. Rozd\u00edl v\u011bz\u00ed jinde. Kde?<\/span><\/p>\n

Pokud si <\/span>pojist\u00edte<\/b> nemovitost<\/b>, m\u00e1te kryt\u00e9 v\u0161echno, co je na pevno sou\u010d\u00e1st\u00ed stavby, tedy st\u0159echu, krov, podlahy, v\u0161echny zdi i s om\u00edtkou a stropy i s osv\u011btlen\u00edm, stejn\u011b jako okna, dve\u0159e a topen\u00ed. <\/span>Poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/b> se vztahuje jen na jej\u00ed vybaven\u00ed, kam pat\u0159\u00ed krom movit\u00fdch v\u011bc\u00ed v\u010detn\u011b elektroniky i fyzick\u00e9 pen\u00edze a dal\u0161\u00ed ceniny, potraviny, knihy, osobn\u00ed v\u011bci \u010dlen\u016f dom\u00e1cnosti a v n\u011bkter\u00fdch p\u0159\u00edpadech i rostliny a zv\u00ed\u0159ata. A pak jsou tu sporn\u00e9 objekty jako kuchy\u0148sk\u00e1 linka \u010di vestav\u011bn\u00e9 sk\u0159\u00edn\u011b a spot\u0159ebi\u010de. Tam z\u00e1le\u017e\u00ed u\u017e na konkr\u00e9tn\u00ed poji\u0161\u0165ovn\u011b, do kter\u00e9ho pytle je hod\u00ed.<\/span><\/p>\n

Pozor ale na <\/span>poji\u0161t\u011bn\u00ed v\u011bc\u00ed zvl\u00e1\u0161tn\u00ed hodnoty<\/b>, \u010d\u00edm\u017e jsou my\u0161leny obrazy, \u0161perky, staro\u017eitnosti, sb\u00edrky a jin\u00e9 cennosti, je\u017e maj\u00ed historickou a\/nebo um\u011bleckou hodnotu. V p\u0159\u00edpad\u011b, \u017ee jsou sou\u010d\u00e1st\u00ed smlouvy, mluv\u00ed se u nich jen o <\/span>\u201ehodnot\u011b obvykl\u00e9\u201c<\/b>, co\u017e je dosti diskutabiln\u00ed veli\u010dina. Proto doporu\u010dujeme si na tyto p\u0159edm\u011bty (stejn\u011b jako na v\u0161echno, co je v\u00e1m mimo\u0159\u00e1dn\u011b drah\u00e9) zvl\u00e1\u0161\u0165 sjednat takzvan\u00e9 <\/span>soukrom\u00e9<\/b> poji\u0161t\u011bn\u00ed v\u011bc\u00ed a jin\u00e9ho majetku<\/b>.<\/span><\/p>\n

Pro\u010d a na co v\u0161echno se pojistit?<\/b><\/h2>\n

\u201ePro\u010d\u201c a \u201ena co\u201c spolu vlastn\u011b souvis\u00ed. Je to z\u00e1hada, ale z n\u011bjak\u00e9ho d\u016fvodu ka\u017edoro\u010dn\u011b stoupaj\u00ed po\u010dty vytopen\u00fdch dom\u00e1cnost\u00ed. Pr\u00e1v\u011b poji\u0161t\u011bn\u00ed \u0161kod zp\u016fsoben\u00fdch praskl\u00fdm vodovodn\u00edm potrub\u00edm nebo vadnou elektroinstalac\u00ed \u010dasto b\u00fdv\u00e1 sou\u010d\u00e1st\u00ed <\/span>z\u00e1kladn\u00edho pojistn\u00e9ho bal\u00ed\u010dku<\/b>, kde jinak najdete v\u0161emo\u017en\u00e9 \u017eiveln\u00e9 pohromy, vich\u0159ici, d\u00e9\u0161\u0165, krupobit\u00ed, \u00fader blesku a tak\u00e9 v\u00fdbuch, po\u017e\u00e1r \u010di dokonce p\u00e1d letadla i jeho \u010d\u00e1st\u00ed.<\/span><\/p>\n

P\u0159ipojistit se<\/b> m\u016f\u017eete proti vloup\u00e1n\u00ed, kr\u00e1de\u017ei a vandalismu a zvl\u00e1\u0161\u0165 zpravidla najdete i z\u00e1plavy, zkrat a p\u0159ep\u011bt\u00ed elektrick\u00e9ho proudu. Pro\u010d takov\u00e9 d\u016fle\u017eit\u00e9 v\u011bci nejsou zahrnuty v z\u00e1kladu? Ne, v tomto p\u0159\u00edpad\u011b nejsou na vin\u011b chamtiv\u00e9 poji\u0161\u0165ovny, sna\u017e\u00edc\u00ed se vyd\u011blat na neznalosti a nepozornosti sv\u00fdch z\u00e1kazn\u00edk\u016f. Sou\u010d\u00e1st\u00ed v\u00fdpo\u010dtu v\u00fd\u0161e pojistn\u00e9ho je toti\u017e i kolonka <\/span>lokalita<\/b>, je\u017e na z\u00e1klad\u011b statistik rozli\u0161uje r\u016fzn\u00e9 obydlen\u00e9 z\u00f3ny podle druh\u016f a stup\u0148\u016f hroz\u00edc\u00edho nebezpe\u010d\u00ed. Jin\u00e9 pohromy prost\u011b nast\u00e1vaj\u00ed v dom\u011b na vesnici, j\u00ed\u017e prot\u00e9k\u00e1 \u0159eka, a jin\u00e9 v byt\u011b na ru\u0161n\u00e9 ulici velkom\u011bsta, kde se po noc\u00edch potuluj\u00ed hlou\u010dky opilc\u016f.<\/span><\/span><\/p>\n

Poji\u0161\u0165ovny maj\u00ed sv\u00e9 bal\u00ed\u010dky nastaven\u00e9 r\u016fzn\u011b, stejn\u011b jako rizika v nich za\u0159azen\u00e1. Proto <\/span>pozorn\u011b \u010dt\u011bte smlouvy<\/b>, ujist\u011bte se, \u017ee v\u00e1mi zvolen\u00fd bal\u00ed\u010dek zahrnuje v\u0161echna pro v\u00e1s d\u016fle\u017eit\u00e1 rizika, a <\/span>nebojte se zeptat<\/b>. \u010c\u00edm v\u00edce rizik pojistka pokr\u00fdv\u00e1, t\u00edm je samoz\u0159ejm\u011b dra\u017e\u0161\u00ed. Rozhodn\u011b ale nem\u00e1 cenu si p\u0159ipl\u00e1cet za slu\u017eby, kter\u00e9 nevyu\u017eijete.<\/span><\/p>\n

Spousta poji\u0161\u0165oven nab\u00edz\u00ed poji\u0161t\u011bn\u00ed dom\u00e1cnosti, nemovitosti, odpov\u011bdnosti \u010di v\u011bc\u00ed ve vozidle ve <\/span>v\u00fdhodn\u00fdch<\/b> bal\u00ed\u010dc\u00edch<\/b>. Zaplat\u00edte sice ro\u010dn\u011b o n\u011bjakou tu stovku nav\u00edc, ale budete d\u00edky tomu us\u00ednat s absolutn\u00edm klidem v du\u0161i.<\/span><\/p>\n

\"Kuchyn\u011b<\/p>\n

P\u0159i sjedn\u00e1v\u00e1n\u00ed poji\u0161t\u011bn\u00ed dom\u00e1cnosti si ov\u011b\u0159te, jestli je ve vybaven\u00ed zahrnuta kuchy\u0148sk\u00e1 linka, vestav\u011bn\u00e9 sk\u0159\u00edn\u011b a spot\u0159ebi\u010de.\u00a0<\/span><\/em><\/p>\n

Co ovliv\u0148uje v\u00fd\u0161i pojistn\u00e9ho?<\/b><\/h2>\n

Ka\u017ed\u00e1 poji\u0161\u0165ovna bere p\u0159i v\u00fdpo\u010dtu v\u00fd\u0161e pojistn\u00e9ho v potaz mnoho faktor\u016f. Zdaleka sem nepat\u0159\u00ed jen pojistn\u00e1 \u010d\u00e1stka, tedy cena dom\u00e1cnosti a ve\u0161ker\u00e9ho vybaven\u00ed. Do kalkula\u010dky mus\u00edte na\u0165ukat tak\u00e9 <\/span>velikost obytn\u00e9 plochy<\/b>, v\u00e1mi zvolenou <\/span>v\u00fd\u0161i spolu\u00fa\u010dasti<\/b> a <\/span>\u00farove\u0148 kryt\u00ed<\/b> (tzn. jestli m\u00e1te poji\u0161t\u011bn\u00ed proti p\u0159\u00edrodn\u00edm \u017eivl\u016fm i proti kr\u00e1de\u017ei), ji\u017e zmi\u0148ovanou <\/span>lokalitu<\/b>, a d\u00e1le tak\u00e9 to, jak dob\u0159e m\u00e1te dom\u00e1cnost <\/span>zabezpe\u010denou<\/b> proti zlod\u011bj\u016fm a zda u v\u00e1s v minulosti ji\u017e k n\u011bjak\u00e9 pojistn\u00e9 ud\u00e1losti<\/span> do\u0161lo.<\/span><\/p>\n

Jak\u00e9 jsou nej\u010dast\u011bj\u0161\u00ed chyby p\u0159i sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed dom\u00e1cnosti?<\/b><\/h2>\n

Spousta dom\u00e1cnost\u00ed si sjedn\u00e1 pojistku, ulev\u00ed si, \u017ee u\u017e je o v\u0161e postar\u00e1no, a pak l\u00e9ta poctiv\u011b plat\u00ed. Jen\u017ee <\/span>hodnota dom\u00e1cnosti mezit\u00edm stoup\u00e1<\/b>. Tu si po\u0159\u00edd\u00ed novou ko\u017eenou pohovku, tamhle koup\u00ed synovi kolo a dce\u0159i elektrickou kytaru, pak je pot\u0159eba vym\u011bnit televizi, proto\u017ee se u\u017e zase m\u011bn\u00ed frekvence vys\u00edl\u00e1n\u00ed, a v pojistn\u00e9 smlouv\u011b o tom zat\u00edm nen\u00ed ani \u010d\u00e1rka.<\/span><\/p>\n

Ofici\u00e1ln\u011b se tomu \u0159\u00edk\u00e1 <\/span>podpoji\u0161t\u011bn\u00ed<\/b>, co\u017e je situace, kdy je pojistn\u00e1 \u010d\u00e1stka nastavena n\u00ed\u017ee, ne\u017e je skute\u010dn\u00e1 hodnota poji\u0161t\u011bn\u00e9ho majetku. Proto ob\u010das zajd\u011bte na pobo\u010dku a <\/span>smlouvu<\/b> zrevidujte<\/b>. Doporu\u010dujeme to d\u011blat pravideln\u011b <\/span>jednou za p\u011bt let<\/b>. P\u0159i koupi n\u011bjak\u00e9ho dra\u017e\u0161\u00edho vybaven\u00ed si ji rad\u011bji upravte neprodlen\u011b.<\/span><\/p>\n

K podpoji\u0161t\u011bn\u00ed m\u016f\u017ee doj\u00edt tak\u00e9 hned p\u0159i podpisu smlouvy. Lid\u00e9 toti\u017e \u010dasto chybuj\u00ed u\u017e p\u0159i odhadu hodnoty majetku, kter\u00fd <\/span>podhodnocuj\u00ed<\/b>, aby za pojistn\u00e9 nemuseli tolik utr\u00e1cet. T\u00edm sice ro\u010dn\u011b u\u0161et\u0159\u00ed p\u00e1r stovek \u010di tis\u00edcovek, ale kdy\u017e pak opravdu dojte k n\u011bjak\u00e9 t\u00e9 pohrom\u011b, poji\u0161\u0165ovna jim vyplat\u00ed mnohem ni\u017e\u0161\u00ed pln\u011bn\u00ed. A z\u00e1m\u011brn\u00e9 podhodnocen\u00ed m\u016f\u017ee b\u00fdt tak\u00e9 smluvn\u011b <\/span>penalizov\u00e1no<\/b>.<\/span><\/p>\n

Opa\u010dnou situac\u00ed je takzvan\u00e9 <\/span>p\u0159epoji\u0161t\u011bn\u00ed<\/b>, to znamen\u00e1 nadhodnocen\u00ed majetku. Vy\u0161\u0161\u00ed pojistn\u00e9 pln\u011bn\u00ed ale automaticky neznamen\u00e1, \u017ee p\u0159i pojistn\u00e9 ud\u00e1losti dostanete vyplaceno v\u00edce.<\/span><\/p>\n

Nezapom\u00ednejte na <\/span>spolu\u00fa\u010dast<\/b>. S poji\u0161\u0165ovnou se na \u00fahrad\u011b p\u0159\u00edpadn\u00e9 \u0161kody budete muset pod\u00edlet. Kolik d\u00e1te ze sv\u00e9ho, z\u00e1vis\u00ed na nastaven\u00ed smlouvy. V\u011bt\u0161ina poji\u0161\u0165oven nab\u00edz\u00ed <\/span>n\u011bkolik variant spolu\u00fa\u010dasti<\/b>, od nich\u017e se pak odv\u00edj\u00ed i v\u00fd\u0161e pojistn\u00e9ho. Kdy\u017e si ji nastav\u00edte vy\u0161\u0161\u00ed, budete na pojistn\u00e9m platit m\u00e9n\u011b a naopak. Je to trochu krok do nezn\u00e1ma: Nikdy nev\u00edte, co se v\u00e1m ve fin\u00e1le vyplat\u00ed v\u00edce.<\/span><\/p>\n

Zaj\u00edm\u00e1 v\u00e1s, jak efektivn\u011b nakl\u00e1dat se sv\u00fdmi \u00fasporami? P\u0159e\u010dt\u011bte si, jak to vypad\u00e1 s <\/span>cenami byt\u016f<\/span><\/a> a zda se je\u0161t\u011b v dne\u0161n\u00ed dob\u011b<\/span> vyplat\u00ed stavebn\u00ed spo\u0159en\u00ed<\/span><\/a>.<\/span><\/p>\n

 <\/p>\n

Zdroj fotografi\u00ed: Depositphotos.com<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

O poji\u0161t\u011bn\u00ed dom\u00e1cnosti se traduje spousta m\u00fdt\u016f a nep\u0159esn\u00fdch informac\u00ed. Chcete v\u011bd\u011bt, jak to s n\u00edm doopravdy je a jak na n\u011bj? Pak si p\u0159e\u010dt\u011bte n\u00e1\u0161 \u010dl\u00e1nek.<\/span><\/em><\/p>\n

 <\/p>\n","protected":false},"author":1,"featured_media":7189,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[40],"tags":[],"class_list":["post-7603","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wachal.cz\/en\/wp-json\/wp\/v2\/posts\/7603","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.wachal.cz\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.wachal.cz\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.wachal.cz\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.wachal.cz\/en\/wp-json\/wp\/v2\/comments?post=7603"}],"version-history":[{"count":0,"href":"https:\/\/www.wachal.cz\/en\/wp-json\/wp\/v2\/posts\/7603\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.wachal.cz\/en\/wp-json\/wp\/v2\/media\/7189"}],"wp:attachment":[{"href":"https:\/\/www.wachal.cz\/en\/wp-json\/wp\/v2\/media?parent=7603"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.wachal.cz\/en\/wp-json\/wp\/v2\/categories?post=7603"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.wachal.cz\/en\/wp-json\/wp\/v2\/tags?post=7603"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}