Insured! Rest easy!
No matter how much you talk about the benefits of voluntary insurance, recourse to this type of personal protection among the population is still optional. Everyone understands, everyone agrees, but they are in no hurry to apply. But when it comes to real risks that may threaten the life, health or property of a person, for example, during the holiday period, the benefit of such insurance cannot be underestimated.
If you are going on vacation or on a business trip and there is no one to look after your apartment, then for your own peace of mind you should consider the option of short-term insurance. Under this definition are suitable insurance contracts for a period of less than 12 months. How convenient and profitable it is, what are the features of apartment insurance for the period of holidays, let’s try to figure it out.
First of all, let us remember what insurance events occur with apartments. The most common are accidents of utility systems, flooding, fire or explosion, natural disasters, robbery, theft, damage to property of third parties, that is, neighbors.
As a rule, citizens consider the theft and flooding risks as actual risks for an apartment, while other risks, and especially responsibility towards neighbors, are ignored. “Damage to property of neighbors can occur both in the presence of owners, and during their absence. Only the consequences will be different, because access to the room during the holidays is closed. Therefore, liability insurance for the time of a long-term absence in the apartment still makes sense, – comments Yulia Serova, underwriter for liability insurance of the insurance corporation “Commera-Tom”.
The limit of such liability can be determined by meeting with the neighbors and approximately calculating how much the repair of these premises can “pour out”. Based on the cost of repairs and the size of the rooms that are “around” the apartment, you can calculate the limit of liability. For example, if the cost of repairs is 5,000 rubles per square meter in a 50-square-meter room, the liability limit will be 250,000 rubles, plus the value of the property that may be damaged as a result of the insured event. ”
Almost every insurance company can now offer an insurance product to protect your property for a short period. By purchasing such insurance not for the whole year, but for a shorter period, you can really save on insurance, but since the concept of saving is different for everyone, we will first try to calculate a little.
“As an example,” says Irina Hayrapetyan, underwriter for property insurance of the insurance corporation “Komestra-Tom”, “let’s take an apartment in a brick / panel house on the third floor. Then, with an insurance amount of 500,000 rubles for finishing and 500,000 for household property, the cost of classical insurance per year will be 6,000 rubles. We draw your attention to the fact that the price will depend on the number of floors (the first and last floors are more expensive), the availability of security or fire alarm systems, as well as the technical condition of communications in the apartment. If you insure the same apartment only for the period of absence of owners (vacation, watch, long-term business trip, etc.), then with the same insurance sums the cost of insurance will be:
By the way, several such insurances can be issued during the year. ”
“If we talk about responsibility to our neighbors, continues Yulia Serova, then with an insurance sum of 500,000 rubles, the annual cost of insurance will be 3,500 rubles, and with short-term insurance for a period of:
That is, the tariff for this type of insurance for 1 month is about 0.2% of the selected insurance amount – with insurance protection liability for 100,000 rubles, the payment will be 200 rubles, for 300,000 – 600 rubles, etc. ”.
Is it profitable? If you want to save here and now, then, of course, yes. Get significant savings compared with the conclusion of a long-term contract, subject to all conditions of insurance as in its usual version. It is also important that this type of insurance can be useful to those who rent housing.
But if you count in absolute terms, taking the cost of the annual policy, then the price of the issue for 1 month will differ significantly from the amount obtained in the short-term insurance for the same period. Whatever you choose in the end, the main thing to remember is that the time spreading the straw has not prevented anyone.