In the insurance market tends to increase the demand of insurance suburban real estate. This is due to an increase in the number of owners of such property. According to experts, the demand for this type of service, compared with last year, increased by about 20%.
The owners of suburban real estate as well suited to the security of their buildings and property, as well as purchasers of urban apartments. Of course, insurance suburban property has its own peculiarities.
The main difference between the insurance city apartments - a simple assessment of the property. A procedure for assessing a country estate involves the collection of a large number of documents and requires taking into account peculiarities of the legislation. In accordance with the law, land and buildings on it - these are different objects, so the certificate of registration of ownership will be different and to insure to each entity separately.
Another feature of insurance suburban real estate - increased the probability of the loss. Homeowners believe that they have much more reason to insure their property, rather than the inhabitants of the flats. In their view, insurance suburban real estate, perhaps even more important than insurance apartment.
Residences are subject to more risk. This is due to the lack of proximity of the facility security infrastructure, for example, fire department and police department. All these features influence the insurance cost. Therefore, to insure the country house complex, and often more expensive than an apartment.
Country real estate to insurance company approached with special care. Insurers want to have the most detailed description of the property, as well as areas in which it is located. Rates of such insurance shall be calculated on a more complex pattern than when insuring apartments.
Allocate general price-determining factors suburban property insurance: the insurance amount, the presence in the franchise agreement, selected risks, the material of which the building is constructed, and the availability of home alarm systems and other remedies.
Insurers also take into account the distance from home to the nearest settlement, a reservoir, the fire station. Takes into account the presence of near housing facilities that increase risk, such as saunas, warehouses, and similar facilities inside the house, such as the presence of the fireplace, furnace. All of these factors can significantly affect the value of the tariff for insurance.
According to experts, the risks of insurance and depend on the season. Late autumn and winter, when country houses and villas are becoming uninhabitable, increases the risk of theft, in the spring most likely risk of flooding or flood in the summer - a fire or natural disaster. Overall statistics on the country real estate is as follows: in the bays for 50% of all insurance claims, the wrongful acts of third persons - 29%, at fires - 21%.
Typically, when concluding the contract the company offers its clients several types of policies with different franchises, which can reach 5%. Experts believe that the optimal size of the franchise - 0,5-1,5%. Placing a large franchise, given the high cost of insured housing, makes no sense. Otherwise, the policyholder will have to cover out of pocket not only small but also quite serious losses.
Insurers at home during the construction phase, offer special insurance conditions. Different insurance companies offer different rates for this type of insurance. Some professionals pay more attention to the fact that a house under construction is subject to more risks, and the rate should increase, while others suggest that the finished house is under construction more expensive, so the rate can be reduced.
The special approach insurance companies use when they are asked to insure the country houses where nobody lives long, or housing for rent by third parties. Such objects of the company is classified as high risk, and therefore apply special supplement to the tariff. An attempt to insure the house only for a time when homeowners are moving into their city apartments, is likely to be doomed to failure.
The most popular types of insurance are classic country houses and title. Classic Insurance - this insurance suburban buildings from fire, water damage from heating, water supply, sewage systems, natural disasters, explosions, including domestic gas explosion, the court also applies to insurance against theft, robbery, disorderly conduct. Experts say that for suburban buildings represent the greatest threat to malicious acts of third parties.
You can insure the property for the full program, structural engineering, finishing, property located in the house, but you can piece by piece, just finish, or only civil liability. With this kind of insurance have a choice of risks or a complete package or individual risks.
When a contract for both parties is important to correctly determine the market value of housing. This role is a specialist appraiser who determines the value of the two buildings, the real and replacement, the ratio of which determines its wear. Replacement cost - the cost of the construction is completely analogous to the object with the same characteristics, but with the wear and tear and maintenance of the state. Most of the replacement value estimated structure, because in case of loss of property the client can not buy the same object - it will have to rebuild.
The value of the insurance rate for insurance holiday home depends on many factors: the type of home, the regime stay in the house, the environment and safety at home, on the remoteness of the fire station and fire water reservoir, the method of determining the insurance payment, with or without wear and tear.
You can insure not only the buildings but also land, perennial greenery, all landscape construction and even the upper layer of the earth - from washing away or destroyed by fire.
Title insurance, insurance, property rights, protects the new owner from possible claims of former owners whose rights may be violated in carrying out transactions with the object in the past. This type of insurance is mainly due to a mortgage, as many banks require to insure each transaction on an integrated program, including the title.
Those who take credit for housing or secured housing, apply to most cases, insurance holiday home. In second place - the people who have already suffered damage to a country estate and know that, in order to avoid further trouble, it is better to be insured. And finally, in third place - rich people who can afford to buy a house business class and realize that insurance - is a vital necessity.
The owners of suburban real estate as well suited to the security of their buildings and property, as well as purchasers of urban apartments. Of course, insurance suburban property has its own peculiarities.
The main difference between the insurance city apartments - a simple assessment of the property. A procedure for assessing a country estate involves the collection of a large number of documents and requires taking into account peculiarities of the legislation. In accordance with the law, land and buildings on it - these are different objects, so the certificate of registration of ownership will be different and to insure to each entity separately.
Another feature of insurance suburban real estate - increased the probability of the loss. Homeowners believe that they have much more reason to insure their property, rather than the inhabitants of the flats. In their view, insurance suburban real estate, perhaps even more important than insurance apartment.
Residences are subject to more risk. This is due to the lack of proximity of the facility security infrastructure, for example, fire department and police department. All these features influence the insurance cost. Therefore, to insure the country house complex, and often more expensive than an apartment.
Country real estate to insurance company approached with special care. Insurers want to have the most detailed description of the property, as well as areas in which it is located. Rates of such insurance shall be calculated on a more complex pattern than when insuring apartments.
Allocate general price-determining factors suburban property insurance: the insurance amount, the presence in the franchise agreement, selected risks, the material of which the building is constructed, and the availability of home alarm systems and other remedies.
Insurers also take into account the distance from home to the nearest settlement, a reservoir, the fire station. Takes into account the presence of near housing facilities that increase risk, such as saunas, warehouses, and similar facilities inside the house, such as the presence of the fireplace, furnace. All of these factors can significantly affect the value of the tariff for insurance.
According to experts, the risks of insurance and depend on the season. Late autumn and winter, when country houses and villas are becoming uninhabitable, increases the risk of theft, in the spring most likely risk of flooding or flood in the summer - a fire or natural disaster. Overall statistics on the country real estate is as follows: in the bays for 50% of all insurance claims, the wrongful acts of third persons - 29%, at fires - 21%.
Typically, when concluding the contract the company offers its clients several types of policies with different franchises, which can reach 5%. Experts believe that the optimal size of the franchise - 0,5-1,5%. Placing a large franchise, given the high cost of insured housing, makes no sense. Otherwise, the policyholder will have to cover out of pocket not only small but also quite serious losses.
Insurers at home during the construction phase, offer special insurance conditions. Different insurance companies offer different rates for this type of insurance. Some professionals pay more attention to the fact that a house under construction is subject to more risks, and the rate should increase, while others suggest that the finished house is under construction more expensive, so the rate can be reduced.
The special approach insurance companies use when they are asked to insure the country houses where nobody lives long, or housing for rent by third parties. Such objects of the company is classified as high risk, and therefore apply special supplement to the tariff. An attempt to insure the house only for a time when homeowners are moving into their city apartments, is likely to be doomed to failure.
The most popular types of insurance are classic country houses and title. Classic Insurance - this insurance suburban buildings from fire, water damage from heating, water supply, sewage systems, natural disasters, explosions, including domestic gas explosion, the court also applies to insurance against theft, robbery, disorderly conduct. Experts say that for suburban buildings represent the greatest threat to malicious acts of third parties.
You can insure the property for the full program, structural engineering, finishing, property located in the house, but you can piece by piece, just finish, or only civil liability. With this kind of insurance have a choice of risks or a complete package or individual risks.
When a contract for both parties is important to correctly determine the market value of housing. This role is a specialist appraiser who determines the value of the two buildings, the real and replacement, the ratio of which determines its wear. Replacement cost - the cost of the construction is completely analogous to the object with the same characteristics, but with the wear and tear and maintenance of the state. Most of the replacement value estimated structure, because in case of loss of property the client can not buy the same object - it will have to rebuild.
The value of the insurance rate for insurance holiday home depends on many factors: the type of home, the regime stay in the house, the environment and safety at home, on the remoteness of the fire station and fire water reservoir, the method of determining the insurance payment, with or without wear and tear.
You can insure not only the buildings but also land, perennial greenery, all landscape construction and even the upper layer of the earth - from washing away or destroyed by fire.
Title insurance, insurance, property rights, protects the new owner from possible claims of former owners whose rights may be violated in carrying out transactions with the object in the past. This type of insurance is mainly due to a mortgage, as many banks require to insure each transaction on an integrated program, including the title.
Those who take credit for housing or secured housing, apply to most cases, insurance holiday home. In second place - the people who have already suffered damage to a country estate and know that, in order to avoid further trouble, it is better to be insured. And finally, in third place - rich people who can afford to buy a house business class and realize that insurance - is a vital necessity.
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