{"id":2880,"date":"2018-02-18T15:39:32","date_gmt":"2018-02-18T14:39:32","guid":{"rendered":"https:\/\/www.srovnator.cz\/pojisteni-domacnosti\/"},"modified":"2025-10-22T16:01:12","modified_gmt":"2025-10-22T14:01:12","slug":"pojisteni-domacnosti","status":"publish","type":"page","link":"https:\/\/www.srovnator.cz\/pojisteni-domacnosti\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed dom\u00e1cnosti"},"content":{"rendered":"<h2>Poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/h2>\n<p>\n    Poji\u0161t\u011bn\u00ed dom\u00e1cnosti je produkt, kter\u00fd slou\u017e\u00ed k n\u00e1hrad\u011b \u0161kody nap\u0159\u00edklad v&nbsp;d\u016fsledku hav\u00e1rie, vykraden\u00ed, po\u0161kozen\u00ed ciz\u00ed osobou nebo p\u0159i \u017eiveln\u00fdch pohrom\u00e1ch. Poji\u0161t\u011bn\u00ed dom\u00e1cnosti se vztahuje pouze na vnit\u0159n\u00ed vybaven\u00ed dom\u00e1cnosti.\n<\/p>\n<p>\n\t<img decoding=\"async\" src=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/pojisteni-domacnosti.webp\" alt=\"co ovliv\u0148uje cenu poji\u0161t\u011bn\u00ed dom\u00e1cnosti\" title=\"co ovliv\u0148uje cenu poji\u0161t\u011bn\u00ed dom\u00e1cnosti\" width=\"770\" height=\"546\" \/>\n<\/p>\n<p>\n    Dnes si ji\u017e nemus\u00edme p\u0159ipadat jako ve St\u0159edov\u011bku, kdy lid\u00e9 p\u0159i\u0161li v&nbsp;d\u016fsledku po\u017e\u00e1ru \u010di velk\u00e9 vody o v\u0161e co m\u011bli. M\u016f\u017eete si pojistit svoji dom\u00e1cnost proti r\u016fzn\u00fdm situac\u00edm, kter\u00e9 n\u00e1s mohou v&nbsp;\u017eivot\u011b potkat.\n<\/p>\n<h3>Poji\u0161t\u011bn\u00ed dom\u00e1cnosti se vztahuje na dv\u011b skupiny pojistn\u00e9ho nebezpe\u010d\u00ed (rizik)<\/h3>\n<ul>\n<li>riziko kr\u00e1de\u017ee \u010di loupe\u017ee v\u011bc\u00ed um\u00edst\u011bn\u00fdch v&nbsp;poji\u0161t\u011bn\u00e9 dom\u00e1cnosti<\/li>\n<li>riziko \u017eiveln\u00e9 zk\u00e1zy \u2013 tedy zk\u00e1zy poji\u0161t\u011bn\u00fdch v\u011bc\u00ed v&nbsp;dom\u00e1cnosti nap\u0159. v&nbsp;d\u016fsledku po\u017e\u00e1ru, v\u00fdbuchu plynu, z\u00e1plav, zem\u011bt\u0159esen\u00ed aj.<\/li>\n<\/ul>\n<p>\n    Poji\u0161t\u011bn\u00ed dom\u00e1cnosti se vztahuje na elektroniku, n\u00e1bytek, cennosti a do ur\u010dit\u00e9 m\u00edry i na pen\u011b\u017en\u00ed prost\u0159edky, kter\u00e9 m\u00e1te v dom\u00e1cnosti uschov\u00e1ny. Pojistit si m\u016f\u017eete jak trvale ob\u00fdvanou dom\u00e1cnost, tak nap\u0159\u00edklad i chatu.\n<\/p>\n<h3>V\u00fd\u0161e pojistn\u00e9ho se odv\u00edj\u00ed od \u0159ady faktor\u016f<\/h3>\n<ul>\n<li>limity pln\u011bn\u00ed,<\/li>\n<li>lokalita,<\/li>\n<li>m\u00edra spolu\u00fa\u010dasti,<\/li>\n<li>stupe\u0148 zabezpe\u010den\u00ed.<\/li>\n<\/ul>\n<p>\n    P\u0159i srovn\u00e1n\u00ed poji\u0161t\u011bn\u00ed dom\u00e1cnosti je dobr\u00e9 si uv\u011bdomit, co v\u0161e chcete m\u00edt poji\u0161t\u011bno a \u017ee leckdy pouh\u00e9 poji\u0161t\u011bn\u00ed dom\u00e1cnosti nesta\u010d\u00ed. \u010casto je vhodn\u00e9 m\u00edt poji\u0161t\u011bn\u00ed dom\u00e1cnosti a nemovitosti dohromady.\n<\/p>\n<p>\n    Se srovn\u00e1n\u00edm cen v\u00e1m m\u016f\u017ee pomoci na\u0161e online kalkula\u010dka. Myslete v\u0161ak na to, \u017ee ne v\u017edy to nejlevn\u011bj\u0161\u00ed poji\u0161t\u011bn\u00ed dom\u00e1cnosti je to nejlep\u0161\u00ed. Proto je dobr\u00e9 d\u011blat porovn\u00e1n\u00ed poji\u0161t\u011bn\u00ed dom\u00e1cnosti nejen podle ceny, ale tak\u00e9 podle toho, co dan\u00e9 poji\u0161t\u011bn\u00ed kryje a zda je toto kryt\u00ed dostate\u010dn\u00e9.\n<\/p>\n<h3>V\u011bci, kter\u00e9 nejsou mezi poji\u0161t\u011bn\u00edm dom\u00e1cnosti zahrnuty<\/h3>\n<ul>\n<li>rostliny,<\/li>\n<li>pl\u00e1ny, dokumenty<\/li>\n<li>autorsk\u00e1 pr\u00e1va apod.<\/li>\n<\/ul>\n<p>\n    Poji\u0161t\u011bn\u00ed dom\u00e1cnosti online je nejjednodu\u0161\u0161\u00ed a nejpohodln\u011bj\u0161\u00ed mo\u017enost, jak zabezpe\u010dit sv\u016fj majetek proti negativn\u00edm vliv\u016fm.\n<\/p>\n<div class=\"text-center\"><a href=\"https:\/\/property.srovnator.cz\/\" class=\"btnc  btn btn-primary \" title=\"Vyzkou\u0161ejte si pokro\u010dil\u00e9 srovn\u00e1n\u00ed poji\u0161t\u011bn\u00ed dom\u00e1cnosti\"><span class=\"sro-calculator me-2\"><\/span>Spo\u010d\u00edtat poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/a><\/div>\n<h2 class=\"mt-4\">Nej\u010dast\u011bji kladen\u00e9 ot\u00e1zky &#8211; FAQ<\/h2>\n<div class=\"accordion faq \" id=\"accon0\">\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-24053\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-2733\" aria-expanded=\"true\" aria-controls=\"item-2733\">\n            Co b\u00fdv\u00e1 p\u0159edm\u011btem poji\u0161t\u011bn\u00ed dom\u00e1cnosti?\n            <\/button>\n        <\/h3>\n        <div id=\"item-2733\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-24053\" data-bs-parent=\"#accon0\">\n            <div class=\"accordion-body\">\n<p>Poji\u0161t\u011bn\u00ed chr\u00e1n\u00ed Va\u0161e vybaven\u00ed v\u00a0dom\u00e1cnosti, ve\u00a0kter\u00e9\u00a0bydl\u00edte a\u00a0to\u00a0v\u010detn\u011b osobn\u00edch v\u011bc\u00ed Va\u0161ich a\u00a0v\u0161ech \u010dlen\u016f Va\u0161\u00ed dom\u00e1cnosti. Chr\u00e1n\u011bn je\u00a0nap\u0159\u00edklad n\u00e1bytek, elektronika, cenn\u00e9 p\u0159edm\u011bty, oble\u010den\u00ed apod.<\/p>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-36742\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-61913\" aria-expanded=\"true\" aria-controls=\"item-61913\">\n            Na co se vztahuje poji\u0161t\u011bn\u00ed dom\u00e1cnosti?\n            <\/button>\n        <\/h3>\n        <div id=\"item-61913\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-36742\" data-bs-parent=\"#accon0\">\n            <div class=\"accordion-body\">\n<p>Poji\u0161t\u011bn\u00ed dom\u00e1cnosti se\u00a0zpravidla vztahuje na\u00a0tato rizika (v\u00fd\u010det se\u00a0m\u016f\u017ee m\u011bnit dle zvolen\u00e9 poji\u0161\u0165ovny):<\/p>\n<ul>\n<li><strong>riziko kr\u00e1de\u017ee<\/strong> \u2013 vloup\u00e1n\u00ed nebo kr\u00e1de\u017e<\/li>\n<li><strong>riziko \u017eiveln\u00e9 zk\u00e1zy<\/strong> \u2013 po\u0161kozen\u00ed a\u00a0zk\u00e1za zp\u016fsoben\u00e1 po\u017e\u00e1rem, v\u00fdbuchem plynu, z\u00e1plavou, zem\u011bt\u0159esen\u00edm, p\u00e1dem letadla nebo stromu, vich\u0159ic\u00ed, krupobit\u00edm, \u00faderem blesku, sesuvem p\u016fdy, t\u00edhou sn\u011bhu, n\u00e1razem dopravn\u00edho prost\u0159edku, vodovodn\u00ed a\u00a0kanaliza\u010dn\u00ed \u0161kodou nebo po\u0161kozen\u00edm topn\u00fdch t\u011bles a\u00a0potrub\u00edm<\/li>\n<li><strong>vandalismus<\/strong><\/li>\n<\/ul>\n<p>Poji\u0161t\u011bn\u00ed se\u00a0nevztahuje na\u00a0\u0161kodu vzniklou na\u00a0pozemku nebo nemovitosti (nap\u0159. fas\u00e1da, st\u0159echa)<\/p>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-96567\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-27192\" aria-expanded=\"true\" aria-controls=\"item-27192\">\n            Kolik stoj\u00ed poji\u0161t\u011bn\u00ed dom\u00e1cnosti?\n            <\/button>\n        <\/h3>\n        <div id=\"item-27192\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-96567\" data-bs-parent=\"#accon0\">\n            <div class=\"accordion-body\">\n<p>Obvykle je\u00a0pojistn\u00e9 ve\u00a0v\u00fd\u0161i n\u011bkolika set korun ro\u010dn\u011b. Cenu ur\u010duje n\u011bkolik faktor\u016f, jak\u00fdmi je\u00a0nap\u0159\u00edklad vybaven\u00ed dom\u00e1cnosti, velikost dom\u00e1cnosti nebo t\u0159eba adresa dom\u00e1cnosti.<\/p>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-60127\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-51423\" aria-expanded=\"true\" aria-controls=\"item-51423\">\n            Jak\u00e1 je spolu\u00fa\u010dast u poji\u0161t\u011bn\u00ed dom\u00e1cnosti?\n            <\/button>\n        <\/h3>\n        <div id=\"item-51423\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-60127\" data-bs-parent=\"#accon0\">\n            <div class=\"accordion-body\">\n<p>V\u00fd\u0161i Va\u0161\u00ed spolu\u00fa\u010dasti si u\u00a0poji\u0161t\u011bn\u00ed dom\u00e1cnosti m\u016f\u017eete zpravidla zvolit sami z\u00a0t\u011bchto mo\u017enost\u00ed:<\/p>\n<ul>\n<li>0% spolu\u00fa\u010dast<\/li>\n<li>3% spolu\u00fa\u010dast<\/li>\n<li>5% spolu\u00fa\u010dast<\/li>\n<li>10% spolu\u00fa\u010dast<\/li>\n<\/ul>\n<p>\u010c\u00edm vy\u0161\u0161\u00ed spolu\u00fa\u010dast si zvol\u00edte, t\u00edm ni\u017e\u0161\u00ed m\u00e1te v\u00fdslednou \u010d\u00e1stku za\u00a0ro\u010dn\u00ed pojistn\u00e9. Rozsah mo\u017enost\u00ed p\u0159i\u00a0volb\u011b v\u00fd\u0161e spolu\u00fa\u010dasti je\u00a0d\u00e1n v\u00fdb\u011brem konkr\u00e9tn\u00ed poji\u0161\u0165ovny.<\/p>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-38448\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-85925\" aria-expanded=\"true\" aria-controls=\"item-85925\">\n            Jak dolo\u017eit hodnotu po\u0161kozen\u00fdch v\u011bc\u00ed?\n            <\/button>\n        <\/h3>\n        <div id=\"item-85925\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-38448\" data-bs-parent=\"#accon0\">\n            <div class=\"accordion-body\">\n<p>Nejlep\u0161\u00ed je\u00a0nech\u00e1vat si od\u00a0v\u011bc\u00ed zakoupen\u00fdch do\u00a0dom\u00e1cnosti \u00fa\u010dtenky a\u00a0ty potom p\u0159i\u00a0pojistn\u00e9 ud\u00e1losti poji\u0161\u0165ovn\u011b p\u0159edlo\u017eit. M\u00e1te-li doma cenn\u00e9 p\u0159edm\u011bty, vytvo\u0159te jejich soupis, v\u010detn\u011b fotodokumentace.<\/p>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-19814\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-87962\" aria-expanded=\"true\" aria-controls=\"item-87962\">\n            Jak si sjednat poji\u0161t\u011bn\u00ed dom\u00e1cnosti?\n            <\/button>\n        <\/h3>\n        <div id=\"item-87962\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-19814\" data-bs-parent=\"#accon0\">\n            <div class=\"accordion-body\">\n<p>Poji\u0161t\u011bn\u00ed dom\u00e1cnosti m\u016f\u017eete sjednat na\u00a0pobo\u010dce n\u011bkter\u00e9 z\u00a0poji\u0161\u0165oven, ale tak\u00e9 v\u00a0pohodl\u00ed domova <a href='https:\/\/www.srovnator.cz\/pojisteni-domacnosti\/'>online<\/a>. Vyu\u017e\u00edt m\u016f\u017eete tak\u00e9 na\u0161i <a href='https:\/\/www.srovnator.cz\/pojisteni-domacnosti-kalkulacka\/'>kalkula\u010dku<\/a>, kter\u00e1\u00a0je\u00a0pro\u00a0V\u00e1s p\u0159ipravena tak, aby\u00a0u\u0161et\u0159ila \u010das a\u00a0p\u0159edev\u0161\u00edm pen\u00edze. Po\u00a0vypln\u011bn\u00ed n\u011bkolika z\u00e1kladn\u00edch \u00fadaj\u016f budete v\u011bd\u011bt, kter\u00e9\u00a0poji\u0161t\u011bn\u00ed by\u00a0pro\u00a0V\u00e1s bylo nejlep\u0161\u00ed.<\/p>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-25366\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-22071\" aria-expanded=\"true\" aria-controls=\"item-22071\">\n            Jak\u00fd je rozd\u00edl mezi poji\u0161t\u011bn\u00edm dom\u00e1cnosti a poji\u0161t\u011bn\u00edm nemovitosti?\n            <\/button>\n        <\/h3>\n        <div id=\"item-22071\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-25366\" data-bs-parent=\"#accon0\">\n            <div class=\"accordion-body\">\n<p>Poji\u0161t\u011bn\u00ed dom\u00e1cnosti chr\u00e1n\u00ed Va\u0161e vybaven\u00ed v\u00a0nemovitosti, ve\u00a0kter\u00e9\u00a0bydl\u00edte, v\u010detn\u011b osobn\u00edch v\u011bc\u00ed v\u0161ech \u010dlen\u016f dom\u00e1cnosti. Chr\u00e1n\u011bn je\u00a0nap\u0159\u00edklad n\u00e1bytek, elektronika, oble\u010den\u00ed apod.<\/p>\n<\/div>\n        <\/div>\n    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Poji\u0161t\u011bn\u00ed dom\u00e1cnosti Poji\u0161t\u011bn\u00ed dom\u00e1cnosti je produkt, kter\u00fd slou\u017e\u00ed k n\u00e1hrad\u011b \u0161kody nap\u0159\u00edklad v&nbsp;d\u016fsledku hav\u00e1rie, vykraden\u00ed, po\u0161kozen\u00ed ciz\u00ed osobou nebo p\u0159i \u017eiveln\u00fdch pohrom\u00e1ch. Poji\u0161t\u011bn\u00ed dom\u00e1cnosti se vztahuje pouze na vnit\u0159n\u00ed vybaven\u00ed dom\u00e1cnosti. Dnes si ji\u017e nemus\u00edme p\u0159ipadat jako ve St\u0159edov\u011bku, kdy lid\u00e9 p\u0159i\u0161li v&nbsp;d\u016fsledku po\u017e\u00e1ru \u010di velk\u00e9 vody o v\u0161e co m\u011bli. M\u016f\u017eete si pojistit svoji [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2880","page","type-page","status-publish","hentry"],"acf":{"page_post_meta_sidebar":"sidebar-maj","page_post_meta_bread":"Poji\u0161t\u011bn\u00ed dom\u00e1cnosti","page_post_meta_bread_child":"Poji\u0161t\u011bn\u00ed dom\u00e1cnosti","page_post_meta_script_head":"<script type=\"application\/ld+json\">\r\n    {\r\n        \"@context\": \"https:\/\/schema.org\/\",\r\n        \"@type\": \"Product\",\r\n        \"name\": \"Poji\u0161t\u011bn\u00ed dom\u00e1cnosti\",\r\n        \"image\": \"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/og\/srovnator-logo-schema_org.png\",\r\n        \"description\": \"Poji\u0161t\u011bn\u00ed dom\u00e1cnosti od elektroniky po n\u00e1bytek. 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