{"id":5123,"date":"2021-08-02T06:38:59","date_gmt":"2021-08-02T04:38:59","guid":{"rendered":"https:\/\/www.srovnator.cz\/clanky\/ostatni\/nejcastejsi-vyjimky-z-pojisteni-nemovitosti-domacnosti\/"},"modified":"2024-06-24T07:51:31","modified_gmt":"2024-06-24T05:51:31","slug":"nejcastejsi-vyjimky-z-pojisteni-nemovitosti-domacnosti","status":"publish","type":"post","link":"https:\/\/www.srovnator.cz\/clanky\/nejcastejsi-vyjimky-z-pojisteni-nemovitosti-domacnosti\/","title":{"rendered":"Sjedn\u00e1n\u00ed majetkov\u00e9ho poji\u0161t\u011bn\u00ed \u2013 na co si d\u00e1t pozor?"},"content":{"rendered":"

Koup\u011b nov\u00e9ho domu, bytu \u010di vybaven\u00ed do dom\u00e1cnosti. S po\u0159\u00edzen\u00edm nov\u00e9ho a \u00fatuln\u011bj\u0161\u00edho bydlen\u00ed p\u0159ich\u00e1z\u00ed ot\u00e1zka, jak si u\u0161et\u0159it nemal\u00e9 n\u00e1klady v p\u0159\u00edpad\u011b ne\u010dekan\u00e9 katastrofy, a\u0165 u\u017e jde o \u017eiveln\u00ed pohromy \u2013 vichr, kroupy \u010di po\u017e\u00e1r \u2013 ale i \u0161kody na majetku, kter\u00e9 mohou nastat p\u0159ep\u011bt\u00edm \u010di podp\u011bt\u00edm, hav\u00e1ri\u00ed rozvod\u016f nebo kr\u00e1de\u017e\u00ed. Jedinou logickou mo\u017enost\u00ed se jev\u00ed z\u0159\u00eddit si majetkov\u00e9 poji\u0161t\u011bn\u00ed. Jak se ale ve velk\u00e9 nab\u00eddce poji\u0161t\u011bn\u00ed zorientovat? Na co si d\u00e1t pozor a jak porozum\u011bt \u0159e\u010di poji\u0161t\u011bn\u00ed? V n\u00e1sleduj\u00edc\u00edch \u0159\u00e1dc\u00edch p\u0159in\u00e1\u0161\u00edme rady, na co se zeptat \u010d\u00ed jak\u00e9 jsou nej\u010dast\u011bj\u0161\u00ed v\u00fdluky.<\/strong><\/p>\n\"Sjedn\u00e1n\u00ed\n

Rozd\u00edl mezi nemovitost\u00ed a dom\u00e1cnost\u00ed<\/h2>\n

Nej\u010dast\u011bj\u0161\u00edm omylem je domn\u011bnka, \u017ee poji\u0161t\u011bn\u00ed nemovitosti se sjedn\u00e1v\u00e1 pro domy a poji\u0161t\u011bn\u00ed dom\u00e1cnosti pro byty. Nikoliv \u2013 oba typy ochrany je mo\u017en\u00e9 sjednat pro oba druhy nemovitost\u00ed. Znamen\u00e1 to tedy, \u017ee i pro klasick\u00e9 byty je dostupn\u00e9 poji\u0161t\u011bn\u00ed nemovitosti.<\/p>\n

Poji\u0161t\u011bn\u00ed nemovitosti je takov\u00e9 poji\u0161t\u011bn\u00ed, kter\u00e9 kryje \u0161kody zp\u016fsoben\u00e9 na stavebn\u00edch sou\u010d\u00e1stech, kter\u00fdmi jsou podlahy, s\u00e1drokartonov\u00e9 stropy, st\u0159echa, obklady, ale i radi\u00e1tory a kotel \u2013 jednodu\u0161e v\u0161e, co je se stavbou pevn\u011b spojen\u00e9.<\/p>\n

Poji\u0161t\u011bn\u00ed dom\u00e1cnosti si m\u016f\u017eeme p\u0159edstavit tak, \u017ee kdy\u017e dom\u00e1cnost oto\u010d\u00edme vzh\u016fru nohama, v\u0161e, co vypadne, pat\u0159\u00ed do poji\u0161t\u011bn\u00ed dom\u00e1cnosti \u2013 jsou to tedy movit\u00e9 v\u011bci, m\u016f\u017eeme je libovoln\u011b p\u0159em\u00edstit nap\u0159. n\u00e1bytek, elektrospot\u0159ebi\u010de, n\u00e1dob\u00ed.<\/p>\n

Nastaven\u00ed spr\u00e1vn\u00e9 pojistn\u00e9 \u010d\u00e1stky<\/h2>\n

Poji\u0161t\u011bn\u00ed nemovitosti by m\u011blo b\u00fdt nastaven\u00e9 na takovou \u010d\u00e1stku, aby jej bylo mo\u017en\u00e9 postavit znovu na stejn\u00e9m m\u00edst\u011b a v aktu\u00e1ln\u00edm \u010dase. Pojistn\u00e1 \u010d\u00e1stka se tedy \u010dasto li\u0161\u00ed od tr\u017en\u00ed ceny. V p\u0159\u00edpad\u011b podhodnocen\u00e9ho majetku by poji\u0161\u0165ovna uplat\u0148ovala tzv. podpoji\u0161t\u011bn\u00ed. V p\u0159\u00edpad\u011b podpoji\u0161t\u011bn\u00ed je poji\u0161\u0165ovna opr\u00e1vn\u011bna v\u00e1m sn\u00ed\u017eit pojistn\u00e9 pln\u011bn\u00ed ve stejn\u00e9m pom\u011bru, v jak\u00e9m je v\u00fd\u0161e pojistn\u00e9 \u010d\u00e1stky ke skute\u010dn\u00e9 v\u00fd\u0161i pojistn\u00e9 hodnoty poji\u0161t\u011bn\u00e9ho majetku. Pojistitel uplatn\u00ed podpoji\u0161t\u011bn\u00ed, pokud je pojistn\u00e1 \u010d\u00e1stka ni\u017e\u0161\u00ed o v\u00edce jak 20 % ne\u017e \u010d\u00e1stka odpov\u00eddaj\u00edc\u00ed pojistn\u00e9 hodnot\u011b poji\u0161t\u011bn\u00e9 v\u011bci bezprost\u0159edn\u011b p\u0159ed pojistnou ud\u00e1lost\u00ed.<\/p>\n

V p\u0159ekladu to znamen\u00e1, \u017ee kdy\u017e m\u00e1te nemovitost poji\u0161t\u011bnou na 1 mil. K\u010d ale jej\u00ed hodnota v dob\u011b pojistn\u00e9 ud\u00e1losti bude 2 mil. K\u010d, vznikne \u0161koda v hodnot\u011b 500 tis. K\u010d, poji\u0161\u0165ovna v tomto p\u0159\u00edpad\u011b vyplat\u00ed 250 tis. K\u010d. Je to logick\u00e9. Z 1 mil. K\u010d bylo placeno pojistn\u00e9. O polovinu ni\u017e\u0161\u00ed, ne\u017e m\u011blo b\u00fdt, \u00fam\u011brn\u011b ni\u017e\u0161\u00ed bude i pln\u011bn\u00ed.<\/p>\n

\"Dom\u00e1cnost\"<\/p>\n

V opa\u010dn\u00e9m p\u0159\u00edpad\u011b m\u016f\u017ee nastat tzv. p\u0159epoji\u0161t\u011bn\u00ed. Tedy situace, kdy je pojistn\u00e9 vy\u0161\u0161\u00ed, ne\u017e by odpov\u00eddalo re\u00e1ln\u00e9 cen\u011b poji\u0161t\u011bn\u00e9 v\u011bci. Poji\u0161\u0165ovna v\u0161ak nepostupuje obdobn\u011b jako u podpoji\u0161t\u011bn\u00ed, ale pln\u011bn\u00ed bude odpov\u00eddat pouze skute\u010dn\u00e9 cen\u011b poji\u0161t\u011bn\u00e9ho majetku. V praxi to znamen\u00e1, \u017ee kdy\u017e m\u00e1te dom\u00e1cnost poji\u0161t\u011bnou na 500 tis. K\u010d a p\u0159i pojistn\u00e9 ud\u00e1losti se zjist\u00ed, \u017ee hodnota majetku dosahovala pouze 300 tis. K\u010d, poji\u0161\u0165ovna vyplat\u00ed pr\u00e1v\u011b maxim\u00e1ln\u011b 300 tis. K\u010d.<\/p>\n

Poji\u0161t\u011bn\u00ed aktualizujte<\/h2>\n

Za p\u011bt let se toho zm\u011bn\u00ed hodn\u011b, narod\u00ed se v\u00e1m potomek a po\u0159\u00edd\u00edte spoustu nov\u00fdch v\u011bc\u00ed do dom\u00e1cnosti. Stejn\u011b tak by se m\u011bla m\u011bnit i va\u0161e pojistka. S n\u00e1r\u016fstem majetku si proto nechte pojistnou \u010d\u00e1stku nav\u00fd\u0161it, aby odpov\u00eddala re\u00e1ln\u00e9 hodnot\u011b. Net\u00fdk\u00e1 se to ale jenom dom\u00e1cnosti i poji\u0161t\u011bn\u00ed nemovitosti by se m\u011blo pravideln\u011b aktualizovat. Jednak rekonstrukce nebo p\u0159\u00edstavby zvy\u0161uj\u00ed hodnotu majetku, ale i vlivem ekonomiky roste cena nemovitost\u00ed nahoru. Jednou za 5 let se proto doporu\u010duje poji\u0161t\u011bn\u00ed p\u0159epo\u010d\u00edtat, aby bylo st\u00e1le aktu\u00e1ln\u00ed.<\/p>\n

\"Podpis<\/p>\n

Co v\u00e1m poji\u0161\u0165ovna nezaplat\u00ed<\/h2>\n

Mezi nej\u010dast\u011bj\u0161\u00ed v\u00fdluky z poji\u0161t\u011bn\u00ed pat\u0159\u00ed:<\/p>\n

    \n
  • \u0161koda vznikl\u00e1 \u00famysln\u00fdm jedn\u00e1n\u00edm nebo hrubou nedbalost\u00ed poji\u0161t\u011bn\u00e9ho<\/li>\n
  • \u0161koda vznikl\u00e1 jedn\u00e1n\u00edm \u010dlena dom\u00e1cnosti<\/li>\n
  • \u0161koda vznikl\u00e1 po po\u017eit\u00ed alkoholu, drog<\/li>\n
  • na v\u011bci p\u0159evzat\u00e9 nap\u0159. do opravy<\/li>\n
  • \u0161koda vznikl\u00e1 v d\u016fsledku v\u00e1le\u010dn\u00fdch ud\u00e1lost\u00ed jak\u00e9hokoliv druhu a v d\u016fsledku vnit\u0159n\u00edch nepokoj\u016f<\/li>\n
  • pen\u00edze v hotovosti, j\u00edzdenky, letenky<\/li>\n
  • v\u011bci zvl\u00e1\u0161tn\u00ed hodnoty (lze p\u0159ipojistit do ur\u010dit\u00e9 v\u00fd\u0161e)<\/li>\n
  • v\u011bci podn\u00e1jemn\u00edk\u016f<\/li>\n
  • zv\u00ed\u0159ata chovan\u00e1 k v\u00fdd\u011ble\u010dn\u00fdm \u00fa\u010del\u016fm (lze pojistit v r\u00e1mci podnikatelsk\u00e9ho poji\u0161t\u011bn\u00ed)<\/li>\n
  • sm\u011bnky, pl\u00e1ny a projekty<\/li>\n
  • v\u011bci slou\u017e\u00edc\u00ed k v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti (lze pojistit v r\u00e1mci podnikatelsk\u00e9ho poji\u0161t\u011bn\u00ed)<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"

    Poji\u0161t\u011bn\u00ed majetku je pro neznal\u00e9ho \u010dlov\u011bka p\u011bkn\u00fd o\u0159\u00ed\u0161ek. P\u0159e\u010dt\u011bte si n\u00e1sleduj\u00edc\u00ed \u010dl\u00e1nek, a\u0165 je v\u00e1m toto d\u016fle\u017eit\u00e9 poji\u0161t\u011bn\u00ed o n\u011bco jasn\u011bj\u0161\u00ed.<\/p>\n","protected":false},"author":6,"featured_media":5124,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5],"tags":[399,497,642,517,420],"class_list":["post-5123","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni-majetku","tag-domacnost","tag-majetek","tag-nemovitost","tag-pojisteni-domacnosti","tag-pojisteni-nemovitosti"],"acf":{"znacka":"","model":"","objem":"","vyrobeno":"","vykon":"","velikost_1":"","velikost_2":"","velikost_3":"","velikost_4":"","roky":"","roky_velikost_1":"","roky_velikost_2":"","roky_velikost_3":"","roky_velikost_4":"","pocet_kalkulaci":0,"page_post_meta_bread":"Nej\u010dast\u011bj\u0161\u00ed v\u00fdjimky z poji\u0161t\u011bn\u00ed nemovitosti\/dom\u00e1cnosti","page_post_meta_bread_child":"","page_post_meta_script_head":"","page_post_meta_leaving_screen":"cat"},"yoast_head":"\nNej\u010dast\u011bj\u0161\u00ed v\u00fdjimky z poji\u0161t\u011bn\u00ed nemovitosti\/dom\u00e1cnosti - Srovn\u00e1tor.cz<\/title>\n<meta name=\"description\" content=\"Poji\u0161t\u011bn\u00ed majetku je pro neznal\u00e9ho \u010dlov\u011bka p\u011bkn\u00fd o\u0159\u00ed\u0161ek. P\u0159e\u010dt\u011bte si n\u00e1sleduj\u00edc\u00ed \u010dl\u00e1nek, a\u0165 je v\u00e1m toto d\u016fle\u017eit\u00e9 poji\u0161t\u011bn\u00ed o n\u011bco jasn\u011bj\u0161\u00ed.\" \/>\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.srovnator.cz\/clanky\/nejcastejsi-vyjimky-z-pojisteni-nemovitosti-domacnosti\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nej\u010dast\u011bj\u0161\u00ed v\u00fdjimky z poji\u0161t\u011bn\u00ed nemovitosti\/dom\u00e1cnosti - Srovn\u00e1tor.cz\" \/>\n<meta property=\"og:description\" content=\"Poji\u0161t\u011bn\u00ed majetku je pro neznal\u00e9ho \u010dlov\u011bka p\u011bkn\u00fd o\u0159\u00ed\u0161ek. P\u0159e\u010dt\u011bte si n\u00e1sleduj\u00edc\u00ed \u010dl\u00e1nek, a\u0165 je v\u00e1m toto d\u016fle\u017eit\u00e9 poji\u0161t\u011bn\u00ed o n\u011bco jasn\u011bj\u0161\u00ed.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.srovnator.cz\/clanky\/nejcastejsi-vyjimky-z-pojisteni-nemovitosti-domacnosti\/\" \/>\n<meta property=\"og:site_name\" content=\"Srovn\u00e1tor.cz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/srovnator\/\" \/>\n<meta property=\"article:published_time\" content=\"2021-08-02T04:38:59+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-06-24T05:51:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/ng\/2022\/06\/001ccc11-nejcastejsi-vyjimky-z-pojisteni-nemovitosti-domacnosti2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"666\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tom\u00e1\u0161 Mina\u0159\u00edk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Srovnator_czech\" \/>\n<meta name=\"twitter:site\" content=\"@Srovnator_czech\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tom\u00e1\u0161 Mina\u0159\u00edk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.srovnator.cz\/clanky\/nejcastejsi-vyjimky-z-pojisteni-nemovitosti-domacnosti\/\",\"url\":\"https:\/\/www.srovnator.cz\/clanky\/nejcastejsi-vyjimky-z-pojisteni-nemovitosti-domacnosti\/\",\"name\":\"Nej\u010dast\u011bj\u0161\u00ed v\u00fdjimky z poji\u0161t\u011bn\u00ed nemovitosti\/dom\u00e1cnosti - Srovn\u00e1tor.cz\",\"isPartOf\":{\"@id\":\"https:\/\/www.srovnator.cz\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.srovnator.cz\/clanky\/nejcastejsi-vyjimky-z-pojisteni-nemovitosti-domacnosti\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.srovnator.cz\/clanky\/nejcastejsi-vyjimky-z-pojisteni-nemovitosti-domacnosti\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/ng\/2022\/06\/001ccc11-nejcastejsi-vyjimky-z-pojisteni-nemovitosti-domacnosti2.jpg\",\"datePublished\":\"2021-08-02T04:38:59+00:00\",\"dateModified\":\"2024-06-24T05:51:31+00:00\",\"author\":{\"@id\":\"https:\/\/www.srovnator.cz\/#\/schema\/person\/9edfe86141eba69ff5b2149b530db68d\"},\"description\":\"Poji\u0161t\u011bn\u00ed majetku je pro neznal\u00e9ho \u010dlov\u011bka p\u011bkn\u00fd o\u0159\u00ed\u0161ek. 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