{"id":1327,"date":"2020-04-28T15:42:50","date_gmt":"2020-04-28T13:42:50","guid":{"rendered":"https:\/\/www.pricemania.sk\/blog\/poistenie-nehnutelnosti-vs-poistenie-domacnosti-3-zakladne-rozdiely\/"},"modified":"2020-04-28T15:42:50","modified_gmt":"2020-04-28T13:42:50","slug":"poistenie-nehnutelnosti-vs-poistenie-domacnosti-3-zakladne-rozdiely","status":"publish","type":"post","link":"https:\/\/www.pricemania.sk\/blog\/poistenie-nehnutelnosti-vs-poistenie-domacnosti-3-zakladne-rozdiely\/","title":{"rendered":"Poistenie nehnute\u013enosti vs. poistenie dom\u00e1cnosti: 3 z\u00e1kladn\u00e9 rozdiely"},"content":{"rendered":"

Dom\u00e1cnos\u0165 je s\u00fa\u010das\u0165 nehnute\u013enosti a bez nehnute\u013enosti by sme nemali dom\u00e1cnos\u0165. Trochu inak tieto skuto\u010dnosti definuje pois\u0165ovn\u00edctvo a na ochranu cel\u00e9ho v\u00e1\u0161ho majetku budete potrebova\u0165 dve poistn\u00e9 zmluvy.<\/p>\n

\"poistenie<\/a><\/p>\n

<\/p>\n

Dom\u00e1cnos\u0165 je s\u00fa\u010das\u0165 nehnute\u013enosti a bez nehnute\u013enosti by sme nemali dom\u00e1cnos\u0165. Trochu inak tieto skuto\u010dnosti definuje pois\u0165ovn\u00edctvo a na ochranu cel\u00e9ho v\u00e1\u0161ho majetku budete potrebova\u0165 dve poistn\u00e9 zmluvy.
Ako to s t\u00fdm poisten\u00edm majetku vlastne je? Poistenie majetku<\/a> je jeden samostatn\u00fd odbor poistenia. V skratke by sme ho mohli definova\u0165 ako poistenie nehnute\u013en\u00e9ho a hnute\u013en\u00e9ho majetku fyzick\u00fdch alebo pr\u00e1vnick\u00fdch os\u00f4b. Najzn\u00e1mej\u0161ie druhy majetkov\u00e9ho poistenia je poistenie nehnute\u013enosti a dom\u00e1cnosti<\/a>. Poistenie majetku vyu\u017e\u00edvaj\u00fa rovnako firmy na ochranu svojho majetku, pr\u00edpadne u\u0161l\u00e9ho zisku. Ako majetkov\u00e9 poistenie m\u00f4\u017eeme ozna\u010di\u0165 poistenie motorov\u00fdch vozidiel, dopravn\u00fdch prostriedkov a v\u00f4bec v\u0161etk\u00fdch vec\u00ed, ktor\u00e9 s\u00fa niekoho majetkom a vy\u017eaduj\u00fa ochranu pred mo\u017en\u00fdm rizikom.
V tomto \u010dl\u00e1nku sa pozrieme na tri z\u00e1kladn\u00e9 rozdiely medzi poisten\u00edm nehnute\u013enosti a poisten\u00edm dom\u00e1cnosti. Tieto druhy poistenia patria medzi naj\u010dastej\u0161ie uzatv\u00e1ran\u00e9 druhy poistenia, no z\u00e1rove\u0148 v nich m\u00e1 mnoho \u013eud\u00ed st\u00e1le nejasnosti.<\/p>\n

Predmet poistenia<\/strong><\/p>\n

Prv\u00fd a z\u00e1rove\u0148 najd\u00f4le\u017eitej\u0161\u00ed rozdiel je v predmete poistenia. Preto\u017ee ak neviete, \u010do presne m\u00e1te poisten\u00e9, ako sa m\u00f4\u017eete na poistenie spolieha\u0165?
Predmet poistenia je konkr\u00e9tna vec alebo presne vymedzen\u00fd majetok, ktor\u00fd ste sa rozhodli poistkou chr\u00e1ni\u0165. Poistenie nehnute\u013enosti e\u0161te neznamen\u00e1, \u017ee v\u00e1m pri pr\u00edpadnom po\u017eiari bude vyplaten\u00e9 poistn\u00e9 plnenie aj na znovuzariadenie dom\u00e1cnosti.<\/p>\n

\u010co si poist\u00edte jednotliv\u00fdmi druhmi poistenia:<\/strong> <\/p>\n

Poistenie nehnute\u013enosti<\/strong><\/p>\n

\u2794 byt vo vlastn\u00edctve
\u2794 bytov\u00fd dom
\u2794 rodinn\u00fd dom
\u2794 rekrea\u010dn\u00e9 zariadenie – chata, chalupa
\u2794 hospod\u00e1rska budova
\u2794 gar\u00e1\u017e, gar\u00e1\u017eov\u00e9 st\u00e1tie
\u2794 ved\u013eaj\u0161ie stavby – plot, baz\u00e9n, pr\u00edstre\u0161ok<\/p>\n

Poistenie dom\u00e1cnosti<\/strong><\/p>\n

\u2794 n\u00e1bytok
\u2794 svietidl\u00e1
\u2794 dekor\u00e1cie
\u2794 elektrospotrebi\u010de
\u2794 v\u00fdpo\u010dtov\u00e1 a audiovizu\u00e1lna technika
\u2794 umeleck\u00e9 diela a cennosti
\u2794 peniaze, ceniny
\u2794 \u0161portov\u00e9 a hobby zariadenie
\u2794 veci osobnej potreby<\/p>\n

Poistenie nehnute\u013enosti<\/a> tedy kryje \u0161kody sp\u00f4soben\u00e9 na stavbe a poistenie dom\u00e1cnosti na vybaven\u00ed nehnute\u013enosti, \u010di\u017ee na v\u0161etkom hnute\u013enom majetku, ktor\u00fd je s\u00fa\u010das\u0165ou stavby.<\/p>\n

\"poistenie<\/p>\n

Zdroj: unsplash.com<\/p>\n

Stanovenie poistnej sumy<\/strong><\/p>\n

Poistn\u00e1 suma je d\u00f4le\u017eit\u00fd faktor pri v\u00fdpo\u010dte poistn\u00e9ho plnenia v pr\u00edpade poistnej udalosti. K\u00fdm v\u00fdpo\u010det poistnej sumy nehnute\u013enosti je prim\u00e1rne v kompetenci\u00ed pois\u0165ovne, poistn\u00fa sumu dom\u00e1cnosti si klient stanovuje s\u00e1m.
Pri ur\u010dovan\u00ed poistnej sumy nehnute\u013enosti sa vych\u00e1dza zo znaleck\u00e9ho posudku alebo dokladu o nadobudnut\u00ed nehnute\u013enosti. V pr\u00edpade novostavieb m\u00f4\u017eu pois\u0165ovne po\u017eadova\u0165 rozpo\u010det stavby.
Pri poisten\u00ed dom\u00e1cnosti je proces o nie\u010do zlo\u017eitej\u0161\u00ed. V\u00fd\u0161ku poistnej sumy mus\u00ed zv\u00e1\u017ei\u0165 s\u00e1m klient, teda poistn\u00edk. Poistn\u00e1 suma dom\u00e1cnosti by mala zodpoveda\u0165 sume potrebnej na znovuzariadenie dom\u00e1cnosti.<\/p>\n

Poistenie zodpovednosti za \u0161kodu<\/strong><\/p>\n

S\u00fa\u010das\u0165ou poistenia majetku je aj mo\u017enos\u0165 poisti\u0165 si zodpovednos\u0165 za \u0161kodu sp\u00f4soben\u00fa vlastn\u00edctvom nehnute\u013enosti. Toto poistenie kryje \u0161kody vzniknut\u00e9 napr\u00edklad prasknut\u00edm vodovodnej trubky a n\u00e1sledn\u00fdm vytopen\u00edm suseda.
Poistenie zodpovednosti dom\u00e1cnosti navy\u0161e kryje \u0161kody sp\u00f4soben\u00e9 samotn\u00fdmi \u010dlenmi dom\u00e1cnosti alebo dom\u00e1cimi zvieratami. Ak v\u00e1\u0161 pes pohryzie po\u0161t\u00e1ra alebo va\u0161e die\u0165a po\u0161kod\u00ed drah\u00fd tovar v obchode, to v\u0161etko kryje poistenie zodpovednosti dom\u00e1cnosti.<\/p>\n

Nieko\u013eko r\u00e1d na z\u00e1ver:<\/strong><\/p>\n

\u25cf Pri poisten\u00ed nehnute\u013enosti sa zamerajte na poistenie proti pr\u00edrodn\u00fdm katastrof\u00e1m.
\u25cf Pri poisten\u00ed dom\u00e1cnosti dobre zv\u00e1\u017ete poistn\u00fa sumu.
\u25cf Poistku pravidelne aktualizujte, ide\u00e1lne ka\u017ed\u00fdch 5 rokov. Vyhnete sa tak podpoisteniu majetku, ktor\u00e9 m\u00f4\u017ee v kone\u010dnom d\u00f4sledku vies\u0165 k n\u00edzkym sum\u00e1m poistn\u00e9ho krytia v pr\u00edpade poistnej udalosti. Ak nem\u00e1te \u010das sledova\u0165 v\u00fdvoj cien nehnute\u013enost\u00ed, m\u00e1te mo\u017enos\u0165 nastavi\u0165 si na poistnej zmluve index\u00e1ciu. Index\u00e1cia je ka\u017edoro\u010dn\u00e1 aktualiz\u00e1cia poistnej ceny a poistn\u00e9ho na z\u00e1klade v\u00fdvoja cien nehnute\u013enost\u00ed. Zvy\u010dajne sa jedn\u00e1 o nav\u00fd\u0161enie poistnej sumy a prirodzene aj poistn\u00e9ho.
\u25cf V\u017edy si pozorne pre\u010d\u00edtajte podmienky poistn\u00e9ho plnenia a na poistke ne\u0161etrite, chr\u00e1nite predsa svoje vlastn\u00e9 invest\u00edcie.<\/p>\n","protected":false},"excerpt":{"rendered":"

Dom\u00e1cnos\u0165 je s\u00fa\u010das\u0165 nehnute\u013enosti a bez nehnute\u013enosti by sme nemali dom\u00e1cnos\u0165. Trochu inak tieto skuto\u010dnosti definuje pois\u0165ovn\u00edctvo a na ochranu cel\u00e9ho…<\/p>\n","protected":false},"author":1,"featured_media":1324,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[322],"tags":[594,593],"yoast_head":"\nPoistenie nehnute\u013enosti vs. poistenie dom\u00e1cnosti: 3 z\u00e1kladn\u00e9 rozdiely - Pricemania<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pricemania.sk\/blog\/poistenie-nehnutelnosti-vs-poistenie-domacnosti-3-zakladne-rozdiely\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Poistenie nehnute\u013enosti vs. poistenie dom\u00e1cnosti: 3 z\u00e1kladn\u00e9 rozdiely - Pricemania\" \/>\n<meta property=\"og:description\" content=\"Dom\u00e1cnos\u0165 je s\u00fa\u010das\u0165 nehnute\u013enosti a bez nehnute\u013enosti by sme nemali dom\u00e1cnos\u0165. 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