{"id":2881,"date":"2018-02-18T16:14:46","date_gmt":"2018-02-18T15:14:46","guid":{"rendered":"https:\/\/www.srovnator.cz\/pojisteni-nemovitosti-a-srovnani-cen\/"},"modified":"2026-01-30T16:20:15","modified_gmt":"2026-01-30T15:20:15","slug":"pojisteni-nemovitosti-a-srovnani-cen","status":"publish","type":"page","link":"https:\/\/www.srovnator.cz\/pojisteni-nemovitosti\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed nemovitosti   a srovn\u00e1n\u00ed cen"},"content":{"rendered":"<h2>Poji\u0161t\u011bn\u00ed nemovitosti<\/h2>\n<p>\n    Poji\u0161t\u011bn\u00ed nemovitosti je jedno z&nbsp;nejstar\u0161\u00edch a nejd\u016fle\u017eit\u011bj\u0161\u00edch poji\u0161t\u011bn\u00ed v\u016fbec. Poji\u0161t\u011bn\u00ed nemovitosti kryje p\u0159edev\u0161\u00edm rizika jako je p\u00e1d stromu, povode\u0148, po\u017e\u00e1r, vich\u0159ice a vandalismus. Rozsah va\u0161eho poji\u0161t\u011bn\u00ed nemovitosti z\u00e1vis\u00ed v\u017edy na zvolen\u00e9m produktu a poji\u0161\u0165ovn\u011b.\n<\/p>\n<p itemprop=\"image\" itemscope=\"\" itemtype=\"https:\/\/schema.org\/ImageObject\">\n    <meta itemprop=\"url\" content=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/4de64118-pojisteni-nemovitosti-a-srovnani-cen.jpg\"><br \/>\n    <meta itemprop=\"width\" content=\"645\"><meta itemprop=\"height\" content=\"430\"><br \/>\n    <strong><br \/>\n        <img decoding=\"async\" src=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/4de64118-pojisteni-nemovitosti-a-srovnani-cen.jpg\" alt=\"Poji\u0161t\u011bn\u00ed nemovitosti a srovn\u00e1n\u00ed cen\" title=\"Poji\u0161t\u011bn\u00ed nemovitosti a srovn\u00e1n\u00ed cen\" width=\"770\" height=\"513\"><br \/>\n    <\/strong>\n<\/p>\n<p>\n    Jeho po\u010d\u00e1tky sahaj\u00ed a\u017e ke st\u0159edov\u011bk\u00fdm m\u011bst\u016fm, kde byl za nej\u010dast\u011bj\u0161\u00ed hrozbu pova\u017eov\u00e1n po\u017e\u00e1r.\n<\/p>\n<h3>Poji\u0161t\u011bn\u00ed nemovitosti lze uzav\u0159\u00edt pro:<\/h3>\n<ul>\n<li>rodinn\u00e9 \u010di bytov\u00e9 domy,<\/li>\n<li>byt v&nbsp;osobn\u00edm vlastnictv\u00ed,<\/li>\n<li>rekrea\u010dn\u00ed objekty a chalupy,<\/li>\n<li>nov\u011b zahajovan\u00e9 stavby,<\/li>\n<li>p\u016fdn\u00ed vestavby,<\/li>\n<li>h\u0159bitovn\u00ed stavbu,<\/li>\n<li>vily nebo pro vedlej\u0161\u00ed stavby, kter\u00e9 jsou pevn\u011b propojeny se zem\u00ed jako nap\u0159\u00edklad gar\u00e1\u017ee \u010di sklen\u00edky.<\/li>\n<\/ul>\n<p>\n    Je d\u016fle\u017eit\u00e9 si uv\u011bdomit \u017ee poji\u0161t\u011bn\u00ed nemovitosti kryje pouze budovu jako takovou, nikoliv jej\u00ed vybaven\u00ed. Proto je dobr\u00e9 zv\u00e1\u017eit, jestli v\u00e1m sta\u010d\u00ed jen poji\u0161t\u011bn\u00ed nemovitosti, nebo zda nezvolit variantu, kter\u00e1 bude obsahovat poji\u0161t\u011bn\u00ed nemovitosti a dom\u00e1cnosti dohromady.\n<\/p>\n<h3>Rizika, kter\u00e1 je mo\u017en\u00e9 kr\u00fdt z&nbsp;poji\u0161t\u011bn\u00ed nemovitosti:<\/h3>\n<ul>\n<li>po\u017e\u00e1r, v\u00fdbuch, nebo \u00fader blesku<\/li>\n<li>voda z vodovodn\u00edho za\u0159\u00edzen\u00ed, vystoupnut\u00ed vody z odpadn\u00edho potrub\u00ed,<\/li>\n<li>povodn\u00ed nebo z\u00e1plava,<\/li>\n<li>vich\u0159ice nebo krupobit\u00ed,<\/li>\n<li>kr\u00e1de\u017e vloup\u00e1n\u00edm, loupe\u017e<\/li>\n<li>n\u00e1hl\u00fd sesuv hornin a zemin nebo z\u0159\u00edcen\u00ed lavin, t\u00edha sn\u011bhu<\/li>\n<li>p\u00e1d strom\u016f, sto\u017e\u00e1r\u016f a jin\u00fdch p\u0159edm\u011bt\u016f,<\/li>\n<li>n\u00e1raz vozidla nebo jeho n\u00e1kladu, z\u0159\u00edcen\u00ed letounu<\/li>\n<li>zem\u011bt\u0159esen\u00ed,<\/li>\n<li>mr\u00e1z na topn\u00e9m syst\u00e9mu a vodovodn\u00edm za\u0159\u00edzen\u00ed,<\/li>\n<li>vandalismus,<\/li>\n<li>a dal\u0161\u00ed rizika.<\/li>\n<\/ul>\n<p>\n    Jestli\u017ee m\u00e1te z\u00e1jem o srovn\u00e1n\u00ed cen poji\u0161t\u011bn\u00ed nemovitosti, m\u016f\u017eete k&nbsp;tomu vyu\u017e\u00edt na\u0161i jednoduchou kalkula\u010dku. Vybrat si m\u016f\u017eete takovou kombinaci, kter\u00e1 v\u00e1m bude vyhovovat a m\u016f\u017eete si nechat spo\u010d\u00edtat online jak samostatn\u00e9 poji\u0161t\u011bn\u00ed nemovitosti, tak i ve spojen\u00ed s&nbsp;<a href=\"\/pojisteni-domacnosti\/\">poji\u0161t\u011bn\u00edm dom\u00e1cnosti<\/a> \u010di tzv. <a href=\"\/pojistka-na-blbost-pojisteni-odpovednosti\/\">poji\u0161t\u011bn\u00edm na blbost<\/a> (poji\u0161t\u011bn\u00ed odpov\u011bdnosti).\n<\/p>\n<h3>D\u016fle\u017eit\u00fdm faktorem v&nbsp;ur\u010den\u00ed ceny poji\u0161t\u011bn\u00ed nemovitosti je:<\/h3>\n<ul>\n<li>hodnota poji\u0161\u0165ovan\u00e9ho majetku. Tu uv\u00e1d\u011bjte v\u017edy aktu\u00e1ln\u00ed (za kolik korun bych ve stejn\u00e9m \u010dase po\u0159\u00eddil stejnou nemovitost).<\/li>\n<\/ul>\n<h3>Mezi dal\u0161\u00ed d\u016fle\u017eit\u00e9 \u00fadaje pro v\u00fdpo\u010det poji\u0161t\u011bn\u00ed nemovitosti pat\u0159\u00ed:<\/h3>\n<ul>\n<li>m\u00edsto, kde se va\u0161e nemovitost nach\u00e1z\u00ed,<\/li>\n<li>zda se nach\u00e1z\u00ed v&nbsp;povod\u0148ov\u00e9 z\u00f3n\u011b (povod\u0148ovou z\u00f3nu samoz\u0159ejm\u011b nemus\u00edte zn\u00e1t, ov\u011b\u0159\u00edme ji za v\u00e1s),<\/li>\n<li>rozloha poji\u0161\u0165ovan\u00e9 nemovitosti,<\/li>\n<li>rizika, proti kter\u00fdm chcete b\u00fdt poji\u0161t\u011bni.<\/li>\n<\/ul>\n<p>\n    Tyto v\u011bci si samoz\u0159ejm\u011b nemus\u00edte pamatovat, kalkula\u010dka poji\u0161t\u011bn\u00ed nemovitosti je pro v\u00e1s p\u0159ipravena tak, aby u\u0161et\u0159ila \u010das a p\u0159edev\u0161\u00edm pen\u00edze. Po vypln\u011bn\u00ed p\u00e1r z\u00e1kladn\u00edch \u00fadaj\u016f budete v\u011bd\u011bt, zda se v\u00e1m vyplat\u00ed si toto poji\u0161t\u011bn\u00ed uzav\u0159\u00edt.\n<\/p>\n<div class=\"text-center\"><a href=\"\/pojisteni-nemovitosti-kalkulacka\/\" class=\"btnc  btn btn-primary btn-lg\" title=\"Spo\u010d\u00edtat poji\u0161t\u011bn\u00ed nemovitosti\"><span class=\"sro-calculator me-2\"><\/span>Spo\u010d\u00edtat<span class=\"d-none d-sm-inline\"> poji\u0161t\u011bn\u00ed nemovitosti<\/span><\/a><\/div>\n<h2>Nej\u010dast\u011bji kladen\u00e9 ot\u00e1zky \u2013 FAQ<\/h2>\n<div class=\"accordion faq \" id=\"accon0\">\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-47492\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-71775\" aria-expanded=\"true\" aria-controls=\"item-71775\">\n            Poji\u0161t\u011bn\u00ed nemovitosti \u2013 na co si d\u00e1t pozor?\n            <\/button>\n        <\/h3>\n        <div id=\"item-71775\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-47492\" data-bs-parent=\"#accon0\">\n            <div class=\"accordion-body\">\n<p>Je\u00a0d\u016fle\u017eit\u00e9 d\u00e1t si pozor na\u00a0hodnotu nemovitosti uvedenou v\u00a0pojistn\u00e9 smlouvy, p\u0159ev\u00e1\u017en\u011b kv\u016fli riziku podpoji\u0161t\u011bn\u00ed. Pokud se\u00a0hodnota Va\u0161\u00ed nemovitosti zv\u00fd\u0161\u00ed (nap\u0159. z\u00a0d\u016fvodu rekonstrukce), je\u00a0pot\u0159eba to\u00a0poji\u0161\u0165ovn\u011b nahl\u00e1sit a\u00a0upravit ve\u00a0smlouv\u011b hodnotu nemovitosti.<\/p>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-31210\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-54693\" aria-expanded=\"true\" aria-controls=\"item-54693\">\n            Co je poji\u0161t\u011bn\u00ed nemovitosti?\n            <\/button>\n        <\/h3>\n        <div id=\"item-54693\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-31210\" data-bs-parent=\"#accon0\">\n            <div class=\"accordion-body\">\n<p>Poji\u0161t\u011bn\u00ed nemovitosti se\u00a0vztahuje na\u00a0ve\u0161ker\u00fd nemovit\u00fd majetek. Tzn. na\u00a0majetek, kter\u00fd\u00a0nelze p\u0159em\u00edstit \u2013 byt, d\u016fm, rekrea\u010dn\u00ed objekt a\u00a0s\u00a0t\u00edm spojen\u00e9 nebytov\u00e9 prostory, spole\u010dn\u00e9 \u010d\u00e1sti domu, pod\u00edl p\u0159i\u00a0spoluvlastnictv\u00ed bytov\u00e9ho domu, ale tak\u00e9 nap\u0159. stavebn\u00ed materi\u00e1l. Vztahuje se\u00a0tak\u00e9 na\u00a0vedlej\u0161\u00ed stavby, jak\u00fdmi jsou t\u0159eba zahradn\u00ed domek, gar\u00e1\u017e, k\u016flna, baz\u00e9n nebo plot.<\/p>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-89573\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-13317\" aria-expanded=\"true\" aria-controls=\"item-13317\">\n            Na co se vztahuje poji\u0161t\u011bn\u00ed nemovitosti?\n            <\/button>\n        <\/h3>\n        <div id=\"item-13317\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-89573\" data-bs-parent=\"#accon0\">\n            <div class=\"accordion-body\">\n<p>Poji\u0161t\u011bn\u00ed nemovitosti se\u00a0vztahuje na\u00a0\u0161kody zp\u016fsoben\u00e9 na\u00a0pevn\u00fdch \u010d\u00e1stech nemovitosti, tedy na\u00a0zdech, podlah\u00e1ch, stropech, oknech, ale tak\u00e9 na\u00a0z\u00e1rubn\u00edch a\u00a0dal\u0161\u00edch v\u011bci \u010d\u00e1stech, kter\u00e9\u00a0jsou k\u00a0n\u00ed napevno p\u0159id\u011blan\u00e9.<\/p>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-10605\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-6058\" aria-expanded=\"true\" aria-controls=\"item-6058\">\n            Kter\u00e1 rizika kryje poji\u0161t\u011bn\u00ed odpov\u011bdnosti?\n            <\/button>\n        <\/h3>\n        <div id=\"item-6058\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-10605\" data-bs-parent=\"#accon0\">\n            <div class=\"accordion-body\">\n<ul>\n<li>po\u017e\u00e1r, v\u00fdbuch, nebo \u00fader blesku<\/li>\n<li>voda z\u00a0vodovodn\u00edho za\u0159\u00edzen\u00ed, vystoupnut\u00ed vody z\u00a0odpadn\u00edho potrub\u00ed<\/li>\n<li>povodn\u00ed nebo z\u00e1plava<\/li>\n<li>vich\u0159ice nebo krupobit\u00ed<\/li>\n<li>kr\u00e1de\u017e vloup\u00e1n\u00edm, loupe\u017e<\/li>\n<li>n\u00e1hl\u00fd sesuv hornin a\u00a0zemin nebo z\u0159\u00edcen\u00ed lavin, t\u00edha sn\u011bhu<\/li>\n<li>p\u00e1d strom\u016f, sto\u017e\u00e1r\u016f a\u00a0jin\u00fdch p\u0159edm\u011bt\u016f<\/li>\n<li>n\u00e1raz vozidla nebo jeho n\u00e1kladu, z\u0159\u00edcen\u00ed letounu<\/li>\n<li>zem\u011bt\u0159esen\u00ed<\/li>\n<li>mr\u00e1z na\u00a0topn\u00e9m syst\u00e9mu a\u00a0vodovodn\u00edm za\u0159\u00edzen\u00ed<\/li>\n<li>vandalismus<\/li>\n<li>a\u00a0dal\u0161\u00ed<\/li>\n<\/ul>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-61581\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-4625\" aria-expanded=\"true\" aria-controls=\"item-4625\">\n            Jak pojistit nemovitost?\n            <\/button>\n        <\/h3>\n        <div id=\"item-4625\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-61581\" data-bs-parent=\"#accon0\">\n            <div class=\"accordion-body\">\n<p>Poji\u0161t\u011bn\u00ed nemovitosti pat\u0159\u00ed mezi finan\u010dn\u011b n\u00e1kladn\u011bj\u0161\u00ed poji\u0161t\u011bn\u00ed. Nejefektivn\u011bj\u0161\u00edm zp\u016fsobem, jak pojistit nemovitost, je\u00a0vyu\u017e\u00edt <a href='https:\/\/www.srovnator.cz\/pojisteni-nemovitosti-kalkulacka\/'>online srovn\u00e1va\u010d poji\u0161t\u011bn\u00ed a\u00a0kalkula\u010dku<\/a>. Po\u00a0poskytnut\u00ed z\u00e1kladn\u00edch informac\u00ed z\u00edsk\u00e1te kalkulaci nejv\u00fdhodn\u011bj\u0161\u00edho a\u00a0z\u00e1rove\u0148 nejvhodn\u011bj\u0161\u00edho poji\u0161t\u011bn\u00ed pro\u00a0Va\u0161i nemovitost. Nekoukejte ale jen\u00a0na\u00a0cenu, zam\u011b\u0159te se\u00a0tak\u00e9 na\u00a0v\u00fd\u010det rizik, kter\u00e9\u00a0poji\u0161t\u011bn\u00ed kryje a\u00a0na\u00a0v\u00fd\u0161i spolu\u00fa\u010dasti.<\/p>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-90291\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-4700\" aria-expanded=\"true\" aria-controls=\"item-4700\">\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-4700\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-90291\" 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. Poji\u0161t\u011bn\u00ed nemovitosti se\u00a0vztahuje na\u00a0nemovitost jako takovou, na\u00a0jej\u00ed pevn\u00e9 \u010d\u00e1sti, jako je\u00a0nap\u0159. st\u0159echa, strop, podlaha nebo okna.<\/p>\n<\/div>\n        <\/div>\n    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Poji\u0161t\u011bn\u00ed nemovitosti Poji\u0161t\u011bn\u00ed nemovitosti je jedno z&nbsp;nejstar\u0161\u00edch a nejd\u016fle\u017eit\u011bj\u0161\u00edch poji\u0161t\u011bn\u00ed v\u016fbec. Poji\u0161t\u011bn\u00ed nemovitosti kryje p\u0159edev\u0161\u00edm rizika jako je p\u00e1d stromu, povode\u0148, po\u017e\u00e1r, vich\u0159ice a vandalismus. Rozsah va\u0161eho poji\u0161t\u011bn\u00ed nemovitosti z\u00e1vis\u00ed v\u017edy na zvolen\u00e9m produktu a poji\u0161\u0165ovn\u011b. Jeho po\u010d\u00e1tky sahaj\u00ed a\u017e ke st\u0159edov\u011bk\u00fdm m\u011bst\u016fm, kde byl za nej\u010dast\u011bj\u0161\u00ed hrozbu pova\u017eov\u00e1n po\u017e\u00e1r. Poji\u0161t\u011bn\u00ed nemovitosti lze uzav\u0159\u00edt pro: [&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-2881","page","type-page","status-publish","hentry"],"acf":{"page_post_meta_sidebar":"sidebar-maj","page_post_meta_bread":"Poji\u0161t\u011bn\u00ed nemovitosti   a srovn\u00e1n\u00ed cen","page_post_meta_bread_child":"","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 nemovitosti\",\r\n        \"image\": \"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/og\/srovnator-logo-schema_org.png\",\r\n        \"description\": \"Poji\u0161t\u011bn\u00ed nemovitosti. Od bytu, p\u0159es domy a\u017e po vedlej\u0161\u00ed stavby. 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Pokud se\u00a0hodnota Va\u0161\u00ed nemovitosti zv\u00fd\u0161\u00ed (nap\u0159. z\u00a0d\u016fvodu rekonstrukce), je\u00a0pot\u0159eba to\u00a0poji\u0161\u0165ovn\u011b nahl\u00e1sit a\u00a0upravit ve\u00a0smlouv\u011b hodnotu nemovitosti.<\/p>\" } }, { \"@type\": \"Question\", \"name\": \"Co\u00a0je\u00a0poji\u0161t\u011bn\u00ed nemovitosti?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"<p>Poji\u0161t\u011bn\u00ed nemovitosti se\u00a0vztahuje na\u00a0ve\u0161ker\u00fd nemovit\u00fd majetek. Tzn. na\u00a0majetek, kter\u00fd\u00a0nelze p\u0159em\u00edstit \u2013 byt, d\u016fm, rekrea\u010dn\u00ed objekt a\u00a0s\u00a0t\u00edm spojen\u00e9 nebytov\u00e9 prostory, spole\u010dn\u00e9 \u010d\u00e1sti domu, pod\u00edl p\u0159i\u00a0spoluvlastnictv\u00ed bytov\u00e9ho domu, ale tak\u00e9 nap\u0159. stavebn\u00ed materi\u00e1l. Vztahuje se\u00a0tak\u00e9 na\u00a0vedlej\u0161\u00ed stavby, jak\u00fdmi jsou t\u0159eba zahradn\u00ed domek, gar\u00e1\u017e, k\u016flna, baz\u00e9n nebo plot.<\/p>\" } }, { \"@type\": \"Question\", \"name\": \"Na\u00a0co\u00a0se\u00a0vztahuje poji\u0161t\u011bn\u00ed nemovitosti?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"<p>Poji\u0161t\u011bn\u00ed nemovitosti se\u00a0vztahuje na\u00a0\u0161kody zp\u016fsoben\u00e9 na\u00a0pevn\u00fdch \u010d\u00e1stech nemovitosti, tedy na\u00a0zdech, podlah\u00e1ch, stropech, oknech, ale tak\u00e9 na\u00a0z\u00e1rubn\u00edch a\u00a0dal\u0161\u00edch v\u011bci \u010d\u00e1stech, kter\u00e9\u00a0jsou k\u00a0n\u00ed napevno p\u0159id\u011blan\u00e9.<\/p>\" } }, { \"@type\": \"Question\", \"name\": \"Kter\u00e1\u00a0rizika kryje poji\u0161t\u011bn\u00ed odpov\u011bdnosti?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"<ul> <li>po\u017e\u00e1r, v\u00fdbuch, nebo \u00fader blesku<\/li> <li>voda z\u00a0vodovodn\u00edho za\u0159\u00edzen\u00ed, vystoupnut\u00ed vody z\u00a0odpadn\u00edho potrub\u00ed<\/li> <li>povodn\u00ed nebo z\u00e1plava<\/li> <li>vich\u0159ice nebo krupobit\u00ed<\/li> <li>kr\u00e1de\u017e vloup\u00e1n\u00edm, loupe\u017e<\/li> <li>n\u00e1hl\u00fd sesuv hornin a\u00a0zemin nebo z\u0159\u00edcen\u00ed lavin, t\u00edha sn\u011bhu<\/li> <li>p\u00e1d strom\u016f, sto\u017e\u00e1r\u016f a\u00a0jin\u00fdch p\u0159edm\u011bt\u016f<\/li> <li>n\u00e1raz vozidla nebo jeho n\u00e1kladu, z\u0159\u00edcen\u00ed letounu<\/li> <li>zem\u011bt\u0159esen\u00ed<\/li> <li>mr\u00e1z na\u00a0topn\u00e9m syst\u00e9mu a\u00a0vodovodn\u00edm za\u0159\u00edzen\u00ed<\/li> <li>vandalismus<\/li> <li>a\u00a0dal\u0161\u00ed<\/li> <\/ul>\" } }, { \"@type\": \"Question\", \"name\": \"Jak pojistit nemovitost?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"<p>Poji\u0161t\u011bn\u00ed nemovitosti pat\u0159\u00ed mezi finan\u010dn\u011b n\u00e1kladn\u011bj\u0161\u00ed poji\u0161t\u011bn\u00ed. 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