{"id":511,"date":"2019-10-02T13:50:55","date_gmt":"2019-10-02T11:50:55","guid":{"rendered":"https:\/\/financialtimes.cz\/?p=511"},"modified":"2022-06-14T12:07:58","modified_gmt":"2022-06-14T10:07:58","slug":"co-byste-meli-vedet-o-majetkovem-pojisteni-drive-nez-podepisete-smlouvu","status":"publish","type":"post","link":"https:\/\/financialtimes.cz\/?p=511","title":{"rendered":"Co byste m\u011bli v\u011bd\u011bt o majetkov\u00e9m poji\u0161t\u011bn\u00ed d\u0159\u00edve, ne\u017e podep\u00ed\u0161ete smlouvu?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><em>Poji\u0161\u0165ovny v roce 2018\nzaznamenaly p\u0159es 150 tis\u00edc pojistn\u00fdch ud\u00e1lost\u00ed, z nich\u017e \u010dtvrtinu tvo\u0159ily\nvodovodn\u00ed \u0161kody. Jejich pr\u016fm\u011brn\u00e1 v\u00fd\u0161e se pohybovala kolem 25 tis\u00edc korun. S\ndvan\u00e1ctiprocentn\u00edm pod\u00edlem z celku n\u00e1sledovaly \u0161kody zp\u016fsoben\u00e9 vich\u0159ic\u00ed s\npr\u016fm\u011brnou v\u00fd\u0161\u00ed kolem 40 tis\u00edc korun. Ob\u00e1van\u00fd ohe\u0148 pak sice p\u0159ipadl \u201epouze\u201c na\nt\u0159i procenta, ale pr\u016fm\u011brnou \u0161kodou ve v\u00fd\u0161i p\u016fl milionu ostatn\u00ed pojistn\u00e9\nud\u00e1losti v\u00fdrazn\u011b p\u0159ev\u00fd\u0161il. Nezanedbateln\u00fdm finan\u010dn\u00edm rizik\u016fm, kter\u00e1 maj\u00ed pro\nv\u011bt\u0161inu lid\u00ed fat\u00e1ln\u00ed existen\u010dn\u00ed dopad, lze p\u0159edch\u00e1zet prost\u0159ednictv\u00edm poji\u0161t\u011bn\u00ed\ndom\u00e1cnosti. P\u0159ed sjedn\u00e1n\u00edm smlouvy se seznamte s n\u011bkolika d\u016fle\u017eit\u00fdmi fakty.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Poji\u0161t\u011bn\u00ed by m\u011blo b\u00fdt komplexn\u00ed<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">K \u010dast\u00fdm chyb\u00e1m pat\u0159\u00ed z\u00e1m\u011bna poji\u0161t\u011bn\u00ed nemovitosti a\npoji\u0161t\u011bn\u00ed dom\u00e1cnosti. N\u011bkte\u0159\u00ed lid\u00e9 se tak\u00e9 myln\u011b domn\u00edvaj\u00ed, \u017ee poji\u0161t\u011bn\u00ed\nnemovitosti se t\u00fdk\u00e1 rodinn\u00fdch dom\u016f a poji\u0161t\u011bn\u00ed dom\u00e1cnosti\nbyt\u016f. Jak je to ve skute\u010dnosti?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Zat\u00edmco poji\u0161t\u011bn\u00ed nemovitosti souvis\u00ed se stavbou jako\ntakovou<\/strong> (chr\u00e1n\u00ed nap\u0159. st\u011bny, st\u0159echu a dal\u0161\u00ed pevn\u00e9 sou\u010d\u00e1st\u00ed domu), <strong>poji\u0161t\u011bn\u00ed\ndom\u00e1cnosti zahrnuje tak\u0159ka v\u0161echny movit\u00e9 v\u011bci<\/strong> (vybaven\u00ed, cennosti\u2026).<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"413\" src=\"https:\/\/financialtimes.cz\/wp-content\/uploads\/2019\/10\/financialtimes.cz_ergo_cz_01.jpg\" alt=\"\" class=\"wp-image-512\" srcset=\"https:\/\/financialtimes.cz\/wp-content\/uploads\/2019\/10\/financialtimes.cz_ergo_cz_01.jpg 640w, https:\/\/financialtimes.cz\/wp-content\/uploads\/2019\/10\/financialtimes.cz_ergo_cz_01-300x194.jpg 300w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Logicky je vhodn\u00e9 uzav\u0159\u00edt komplexn\u00ed poji\u0161t\u011bn\u00ed majetku, kter\u00e9 nab\u00edz\u00ed ochranu domu i movit\u00fdch v\u011bc\u00ed.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">D\u016fle\u017eit\u00e9 je vybrat si z nab\u00eddky to spr\u00e1vn\u00e9 <a href=\"https:\/\/www.srovnator.cz\/pojisteni-nemovitosti\/\">poji\u0161t\u011bn\u00ed nemovitosti.<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator is-style-wide\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">P\u0159ed \u010d\u00edm se pojistit?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00e1\u0161 domov m\u016f\u017ee b\u00fdt spr\u00e1vn\u011b poji\u0161t\u011bn jen v p\u0159\u00edpad\u011b, \u017ee se\nzamysl\u00edte nad re\u00e1ln\u00fdmi riziky. Kvalitn\u00ed produkty jich zahrnuj\u00ed v z\u00e1kladn\u00ed cen\u011b\n\u0161irok\u00e9 spektrum. Na druhou stranu je zbyte\u010dn\u00e9 p\u0159ipl\u00e1cet za rizika, kter\u00e1 se v\u00e1s\nnet\u00fdkaj\u00ed (nap\u0159. poji\u0161t\u011bn\u00ed proti povodni, pokud bydl\u00edte ve dvan\u00e1ct\u00e9m pat\u0159e\npanelov\u00e9ho domu). Naopak se v\u00e1m m\u016f\u017ee hodit <a href=\"https:\/\/ergo.cz\/p\/pojisteniodpovednosti\/obcane\/\">poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/a>,\np\u0159ipoji\u0161t\u011bn\u00ed psa apod.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Z\u00e1rove\u0148 si <strong>zkontrolujte v\u00fdluky<\/strong> \u2013 v\u011bci a rizika vy\u0148at\u00e9\nz pojistn\u00e9ho kryt\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pozor na podpoji\u0161t\u011bn\u00ed<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159ed podpisem smlouvy <strong>prov\u011b\u0159te nastaven\u00ed spr\u00e1vn\u00e9 pojistn\u00e9\n\u010d\u00e1stky<\/strong>. Pr\u00e1v\u011b ta je kl\u00ed\u010dov\u00e1 v p\u0159\u00edpad\u011b pojistn\u00e9ho pln\u011bn\u00ed. Nem\u00e1 smysl ji\nnastavovat p\u0159\u00edli\u0161 vysoko a p\u0159epl\u00e1cet se. Mnohem hor\u0161\u00ed je opa\u010dn\u00e1 varianta, kdy\npojistn\u00e1 \u010d\u00e1stka neodpov\u00edd\u00e1 skute\u010dn\u00e9 hodnot\u011b poji\u0161t\u011bn\u00e9ho majetku. Poji\u0161\u0165ovna pak\nzkr\u00e1t\u00ed pln\u011bn\u00ed a nevyplat\u00ed ho v adekv\u00e1tn\u00ed v\u00fd\u0161i. <\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"425\" src=\"https:\/\/financialtimes.cz\/wp-content\/uploads\/2019\/10\/financialtimes.cz_ergo_cz_02.jpg\" alt=\"\" class=\"wp-image-513\" srcset=\"https:\/\/financialtimes.cz\/wp-content\/uploads\/2019\/10\/financialtimes.cz_ergo_cz_02.jpg 640w, https:\/\/financialtimes.cz\/wp-content\/uploads\/2019\/10\/financialtimes.cz_ergo_cz_02-300x199.jpg 300w, https:\/\/financialtimes.cz\/wp-content\/uploads\/2019\/10\/financialtimes.cz_ergo_cz_02-632x420.jpg 632w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Tzv. <em><a href=\"https:\/\/zakony.kurzy.cz\/89-2012-obcansky-zakonik\/paragraf-2854\/\">podpoji\u0161t\u011bn\u00ed<\/a><\/em>\nse lze vyhnout pouze <strong>pr\u016fb\u011b\u017enou aktualizac\u00ed smlouvy<\/strong> (v\u017edy, kdy\u017e se zv\u00fd\u0161\u00ed\nhodnota majetku, nap\u0159. po rekonstrukci) nebo <strong>uzav\u0159en\u00edm <\/strong><a href=\"https:\/\/ergo.cz\/p\/majetkovepojisteni\/\"><strong>poji\u0161t\u011bn\u00ed majetku<\/strong><\/a><strong> s\npau\u0161\u00e1ln\u00ed v\u00fd\u0161\u00ed pojistn\u00e9ho<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Poji\u0161\u0165ovny v roce 2018 zaznamenaly p\u0159es 150 tis\u00edc pojistn\u00fdch ud\u00e1lost\u00ed, z nich\u017e \u010dtvrtinu tvo\u0159ily vodovodn\u00ed \u0161kody. Jejich pr\u016fm\u011brn\u00e1 v\u00fd\u0161e se pohybovala kolem 25 tis\u00edc korun. S dvan\u00e1ctiprocentn\u00edm pod\u00edlem z celku n\u00e1sledovaly \u0161kody zp\u016fsoben\u00e9 vich\u0159ic\u00ed s pr\u016fm\u011brnou v\u00fd\u0161\u00ed kolem 40 tis\u00edc korun. Ob\u00e1van\u00fd ohe\u0148 pak sice p\u0159ipadl \u201epouze\u201c na t\u0159i procenta, ale pr\u016fm\u011brnou \u0161kodou ve v\u00fd\u0161i [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":514,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[],"class_list":["post-511","post","type-post","status-publish","format-standard","has-post-thumbnail","category-aktualne"],"_links":{"self":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/511","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=511"}],"version-history":[{"count":0,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/511\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/media\/514"}],"wp:attachment":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=511"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=511"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=511"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}