According to the Federal Law on Mortgage, a client who purchases real estate through a bank is obliged to insure it in favor of a banking institution. The borrower must insure the home for an amount equal to the loan amount.

Insurance is a necessity when obtaining a loan for many positions

The bank determines the following conditions for issuing insurance for a house or apartment:

• mortgage housing is insured without fail, otherwise the application for a mortgage loan with collateral will not be considered by the bank;
• a banking institution is serious about insurance companies entering into contracts to make sure the company's solvency and their ability to pay compensation in full;
• permission to obtain a loan is possible after meeting all the requirements for the client and the company.

Insured risks: fire, explosion, natural disasters

The bank offers several options for the policy, the price of which will largely depend on the number and type of insured events specified in the contract. Insurers offer to include more possible risks in the policy in order to protect mortgage real estate from any damage.

The most well-known risks include:

• natural disasters (earthquake, flood, etc.);
• fire;
• gas explosion;
• flooding (natural and through the fault of neighbors);
• destruction associated with the ingress of aircraft and other modes of transport into the property;
• destruction of housing as a result of defects in structures and communications;
• causing damage from illegal actions of third parties.

Object of insurance and risks

Types of insurance property

Sberbank, offering real estate insurance to its customers, defines different types of policies. Under any option, the victim receives monetary compensation if his housing or property has become unusable as a result of the occurrence of an insured event specified in the contract. It also includes causing physical or material damage to neighbors.

Real estate-related insurance programs include compulsory home insurance when issuing a mortgage loan, as well as voluntary insurance of houses, apartments and land plots outside of mortgage lending.

As part of the mortgage, the borrower is required to insure the mortgaged housing. Insurance in this case goes in three directions:

• housing (collateral property);
• title (protection of the borrower from loss of housing as a result of litigation);
• working capacity and life of the borrower.

The first option is a mandatory condition for issuing a mortgage, approved at the legislative level, and the other two are at the discretion of the borrower. But it is worth considering that in case of refusal on the last two, the bank automatically raises the interest rate on the loan in order to avoid risks as much as possible. At the same time, the amount of additional interest in case of refusal significantly exceeds the amount of both insurance - the title and the life of the borrower.

In fact, taking out a mortgage involves three types of home insurance:

• from fire and floods;
• "protection" of the house;
• land flood insurance.

Apartment fire and flood insurance

Recently, among Russians from all policies, apartment insurance against fires and floods is becoming increasingly popular. The occurrence of such insured events is associated with the behavior of the citizens themselves. Huge consumption of electricity, leading to frequent short circuits and damage to electrical wiring, can be the main cause of a fire. Negative factors include unprofessional repair and replacement of electrical equipment. Such negligence leads to fires, and, consequently, damage to housing and destruction of property. No less damage occurs as a result of flooding of residential premises. The causes of flooding are varied. These are damages to apartments from showers and rains due to the absence or poor-quality repair of roofs. Flooding can occur as a result of a violation of the tightness of sewer pipes and water supply pipes and damage the property of both the owner of the apartment and his neighbors. In this case, the policyholder must act according to instructions: the amount of damages depends on this:

• report the incident to the insurance company where the policy was issued;
• make video and photography confirming all damage;
• in the presence of witnesses and representatives of housing maintenance services, draw up an act with a full description of the damage;
• to confirm the amounts spent on eliminating the consequences of a fire or flood, keep all checks and documents until the end of the policy: they will become the basis for calculating the amount of compensation.

Correct actions in the event of an insured event

The cost of the policy in case of flooding of housing depends on many factors: a list of possible insured events, the size of the living space, its age and location. It can be singled out as a separate policy, or it can become part of a comprehensive contract. Such a unique product is the Multipolis Online program. It allows not only to insure the client's property and housing from various damages, but also performs a protective function in terms of civil liability, the use of bank cards, loss of health and the protection of travelers. With the purchase of one comprehensive insurance, the client simultaneously protects himself and his property from various insurance risks. The cost of "Multipolis Online" is calculated individually and depends on the amount of insurance.

Home Protection Program

Home Protection Program- Another type of insurance on a voluntary basis. It provides protection against the most common risks: damage to property, damage to internal communications and repairs, civil liability for the listed damage. Under this program, the home is not pledged for a mortgage loan, but is bought by the client on their own.

The insured property includes: household appliances, furniture, computer and digital equipment, peripheral equipment, sports equipment, clothing, bedding and much more that is a household item. Compensation can also be obtained in case of damage to the repair. The following are subject to insurance: window glazing, doors, indoor flooring, engineering and plumbing equipment, internal partitions and walls, electrical wiring, etc.

When buying a policy, the most common risks are taken into account - natural disasters, flooding in case of damage to communications, fire, explosion, theft, damage to communications as a result of major repairs by a third party in the adjacent territory, as well as all these options only in case of civil liability to neighbors.

The policy involves 4 cost options - 1750 rubles. - 6750 rubles / year. The price depends on the amount of insurance, which is set from 450 thousand to 2 million rubles. The more expensive the policy, the greater the amount of compensation. An application for option 1 (the most budgetary) can be made online, in all other cases, you must contact a branch of a banking institution.

Land flood insurance

This common procedure is often resorted to by entrepreneurial borrowers who want to get a large loan for production needs or to develop their own business. As a rule, the bank provides large-scale long-term loans secured by property. A land plot owned by the borrower can be an excellent option. In turn, the bank is interested in the fact that during the term of the loan agreement, the collateral property remains in its original form.

Since land plots can be exposed to various destructive factors, the bank puts forward to the borrower compulsory insurance of land acting as collateral.

If you look from the point of view of natural conditions and geography, then the most likely insurance risks may be flooding of land as a result of river floods, as well as soil pollution with harmful substances. In addition to the site itself, the borrower can insure the various buildings located on the site, as well as the leasehold itself.

When purchasing a Home Protection policy, the client purchases an insurance product that allows you to protect:

Insurance price

How much does insurance cost at the bank office and online? Depending on the type of purchase of the policy, its cost will vary. It is more profitable to purchase insurance via the Internet, on the official website of the Sberbank company.

Table 1: "The cost of policies when buying at a bank office."

The price of the policy is fixed and does not depend on the services included in it. In Sberbank Insurance, insurance differs only in the amount of insurance coverage.

REFERENCE. All risks that are included in the list of the insurance contract are already included in any of the packages. The client cannot adjust the cost of the service or the list of covered objects.

Table 2: "The cost of the policy when applying online."

When purchasing an online policy, an electronic version of the document is sent to the client’s mail, which is analogous to buying a “boxed product” at a bank office. The type of insurance registration does not affect the quality of services provided.

It is told about what the cost of the policy may depend on and what is the pricing policy of various companies.

The difference between private and commercial housing

To buy a Home Protection policy, you only need a passport and property details. The insurance buyer may be a third party, but it is recommended that the owner of the home be listed as the beneficiary.

Only property that is the property of an individual can be insured. Individual entrepreneurs cannot purchase insurance to protect the territory that is used as part of business activities.

Decoration in the office

When buying a policy at a bank, the policyholder must take a passport and property data. It is important that the payment for the policy be made immediately after the execution of all documents. The purchase process takes no more than 10 minutes.

Program selection

The manager introduces the client to the insurance conditions so that the client can choose a program that meets the necessary protection conditions:

1. the protection program includes all types of risks;
2. the validity of the policy is limited - 1 year;
3. the amount of insurance coverage depends on the amount of insurance;
4. it is allowed to purchase insurance by a third party - the insured - in favor of the beneficiary, the owner of the property.

ATTENTION! If the apartment is divided into several owners, for example, each of them owns a room, the insurance is not divided into several objects. The policy is issued for an apartment as a whole, or a private house.

In the event of an insured event, only the owner of the premises can use the protection even if the policy was purchased by the tenant or a relative.

Cost calculation

The client chooses how much he wants to insure the apartment or household property. It is impossible to adjust the amount of insurance coverage by excluding or adding insurance risks in Sberbank. Therefore, it is recommended to choose the option that optimally covers possible risks (financially).

The minimum amount of insurance when purchasing a policy at a bank office is 2.5 thousand rubles, with a coverage of 600 thousand rubles.

Application form

The manager draws up a policy: enters the full name and address of the beneficiary in the mini-questionnaire inside the "boxed product", indicates the contact phone number.

A standard contract, with individual conditions, is not provided for in Sberbank, since the client does not have the opportunity to exclude or add risks at his own discretion. A variant of the contract is a completed questionnaire, which is contained in a “clean” form in each of the “boxed products”.

An application form is an analogue of a contract on a general basis, offered by 9/10 insurance companies with a fixed amount of payment and protection.

Additionally, the policy specifies the insurance conditions: what protection options the insurance company offers, how the payment is made, activation methods and other features.

Payment document

The customer signs the policy and pays for the purchase. In Sberbank, you can pay for insurance from a bank card, in cash or by debiting a client's account. Payment is made without commission.

IMPORTANT! Home Protection must be activated within 14-30 days of purchase. Without activation, in the event of an insured event, the service is considered provided, but the beneficiary will not be reimbursed.

The purchase of a policy is made according to a simplified scheme: the office manager is responsible for sending the papers, who scans (or keeps a copy of) the purchase receipt. The client only needs to activate the service.

Online purchase

Customers of the bank can buy the Home Protection policy on the Sberbank website (http://www.sberbank.ru).

About how to get insurance online and in which companies this is possible, it is said in.

Ways to activate the policy

The policyholder can activate the policy in 2 ways: by calling Sberbank Insurance 8-800-555-555-57 or on the company's website https://activation.sberbank-insurance.ru/prodactiv/index.html.

By phone

Without activation, the beneficiary will not be able to use financial protection in the event of an insured event. Activating a policy is easy:

1. After dialing the number, the buyer gets to the operator, who requires him to provide information about the contract: full name of the policyholder, address, policy number (indicated in the questionnaire inside the “box”, or sent by mail in electronic format), insurance amount.
2. After specifying all the data, the policy becomes active and is valid for 1 year.

REFERENCE. The online policy becomes active only on the 15th day after purchase.

On the site

It is easy to activate the policy on the site:

Insurance from Sberbank allows you to protect property from 90% of risks. The client can buy insurance without leaving home, or purchase a service at the nearest branch. It is allowed to purchase the policy "as a gift" by third parties, but only the owner of the property can use the program.

With the Home Protection policy, your apartment or house will be insured against the most common risks, and your liability to your neighbors (if they are harmed during the operation of your property) will also be insured.

Apply for mortgage insurance online

With a mortgage insurance policy, your apartment or house is insured against the most common risks, as well as in case of loss of ownership.

Bank card insurance online

Do you want to be sure of the safety of your money and protect it from intruders? Get a comprehensive insurance protection of funds on bank cards!

Insurance services under the Insurance Programs Protection of loved ones and the Head of the Family are provided by LLC IC Sberbank life insurance, 121170, Moscow, st. Poklonnaya, 3, building 1, tel. +7 800 555 5595 (round the clock, calls within Russia are free). License for SL insurance No. 3692 (type of activity - voluntary personal insurance, except for voluntary life insurance) issued on March 05, 2015 by the Bank of Russia (indefinitely). Official site www.sberbank-insurance.ru
Insurance services under insurance programs Travel insurance, Home protection, Card protection, Mortgage insurance are provided by IC Sberbank Insurance LLC, 115093, Moscow, st. Pavlovskaya, house 7, tel. +7 800 555 5557, (working hours: Monday - Friday from 9:00 to 19:00 Moscow time), licenses of the Bank of Russia for voluntary property insurance SI No. 4331 and for voluntary personal insurance, except for voluntary life insurance SL No. 4331 , issued by the Bank of Russia on 08/05/2015 for an indefinite period). Official site sites www.sberbankins.ru .
The formation and purchase of insurance policies is carried out on the official website of the Insurer providing the insurance service.
For more detailed information about insurance policies, the list of insurance risks, exceptions from insurance coverage, the procedure for determining the sum insured and the amount of insurance payment (including insurance liability limits), the conditions for concluding an insurance contract, as well as other insurance conditions, you can find on the websites

A lot of people wonder whether it is worth insuring their apartment and who to choose as an insurer. Naturally, home insurance is a kind of protection against natural disasters, floods or fires. This is especially true given the fact that many modern apartment buildings are built on the basis of materials whose quality is far from those used in construction many years ago.

In addition, in one case or another, there is a risk of damage to flatmates, theft, breakdown of old systems and other force majeure. In all cases, people are forced to spend huge amounts of money on repairs and damages. Insurance will help you solve financial issues in case of such a situation.

It is very important not only to insure your home, but also choose the right insurer. You should pay attention to its reputation and solvency, study customer reviews. It is recommended to choose a large company that has been on the market for a long time. Many people in their reviews regarding the insurance of apartments or private houses speak positively about Sberbank as a reliable insurer.

Sberbank: apartment insurance and types of insurance

If you purchase insurance at Sberbank, you can choose one or another apartment insurance program. All these programs help to make the process of paperwork simple, and the price of insurance will be quite acceptable. Also there is a special program on insurance of apartments in a mortgage, we will also talk about it in detail a little later.

Quick insurance policy from Sberbank

If you want to insure your home under this policy in Sberbank, then you need to know that it the cost is about 1000 rubles and this insurance covers the following cases:

The validity of such insurance from Sberbank is one year. Its advantage is that it can be insured any apartment in Russia, even if it's removable and you don't own it. For registration, an assessment and inventory are not required, and the contract itself is concluded very quickly. You can issue a policy at a branch of Sberbank, while the package of documents is minimal:

• passport;
• documents for an apartment or a lease agreement.

When the transaction is concluded, you should activate the insurance, call the number indicated in the contract and tell the operator your policy number.

Apartment or house insurance "Protection"

This insurance is comprehensive. On the official website of Sberbank it is written that payments on it up to 100 thousand rubles can be obtained without reference.

Depending on the amount of the sum insured, there are three types of this program:

• 7.5 thousand rubles;
• 5.5 thousand rubles;
• 2.5 thousand rubles.

Insured events in this program are divided into three categories:

• repair work;
• damage caused to movable property;
• Civil responsibility.

Repair Compensation paid in the following cases:

Movable property means:

• computing and household appliances;
• furniture;
• scanners and printers;
• wardrobe items;
• personal and child care items;
• telephones;
• decor;
• audio and video equipment;
• sports equipment and more.

Compensation under such insurance looks like this: if you purchased apartment insurance for 2500 rubles, then compensation for repair work will be 250 thousand rubles, for damaged movable property - 200 rubles, and for civil liability - 150 thousand rubles, respectively.

If you bought insurance at Sberbank for 5,500 rubles, then the payments will amount to 600 thousand, 450 thousand and 400 thousand rubles, respectively. And if for 7500 rubles, then a million rubles in the first case and half a million in the next two, respectively.

Under this insurance get compensation for damages which has been caused:

The insurance contract under this program, concluded with Sberbank, is valid for a year. Payments are limited in the following equivalent, depending on the insured event:

• window damage – 14 percent of the sum insured;
• wall covering - 20 percent;
• doors - 13 percent;
• floor covering - 18%;
• ceilings - 15%;
• engineering equipment - 20 percent.

There is a limited amount for damaging one unit in the amount of 25 thousand rubles.

It is also worth knowing that jewelry does not fall under insurance payments.

Insurance of apartments in Sberbank according to these programs is possible with voluntary insurance. The apartment can be purchased at your own expense, with Sberbank acting as a custodian and intermediary.

Features of insurance of apartments on a mortgage in Sberbank

A separate item should consider the features of insurance of apartments in Sberbank, which are in a mortgage. The bank itself offers mortgage loans to its customers at reasonable rates. The mortgage insurance program, unlike the previous two in Sberbank, is mandatory.

So, if you bought an apartment on a mortgage in Sberbank, it acts as a pledge. And collateral insurance is mandatory.

With a mortgage, insurance is issued for the entire duration of the loan agreement. This is necessary in order for Sberbank to be sure that the amount of collateral will correspond to the amount of credit funds. If the apartment is damaged, then its value will be lower. If the client stops paying the mortgage loan, and the apartment no longer costs as it was originally, then the work will be provided to the insured.

When insuring an apartment in a mortgage, The list of insured events looks like this:

The amount insured should be paid to Sberbank in order to pay off the debt. Apartment insurance cost mortgage depends on the following factors:

• the amount of the loan agreement;
• its duration;
• place of work of the borrower;
• his age;
• income level;
• the cost of the apartment;
• the likelihood of risks;
• history of previous contracts at this address.

Tariff rate of the agreement on insurance of apartments in mortgage is 0.15% of the total cost specified in the loan agreement.

Making insurance for an apartment in Sberbank online

As already mentioned, you can conclude an insurance contract at a branch of Sberbank, or you can do it via the Internet. According to reviews, many have already tried this method and found it convenient. The algorithm in this case is the following:

• we go to the Internet page called "Sberbank insurance";
• choose the type of insurance and enter the promo code;
• choose the object of pledge (for example, an apartment) and study the list of risks that are included when concluding an agreement;
• we note the amount of insurance protection (part will be intended for decoration, the second - movable property, the third - civil liability in order to compensate for damage caused by third parties);
• enter the promo code again;
• study the information about the total amount and validity of the insurance and click the "Apply" button.

Then after the arrival of the request after a while confirm the operation and check with the manager if he has a copy of this document.

Documentation

On the part of the borrower, notarized copies of the following documents are required:

Insurance contract for an apartment and the insurance itself are prepared for signing after the client fills out the application. Then all copies of documents are sent to Sberbank.

Insurance is a common thing for most of us, it is an opportunity in case of an emergency to compensate you for at least material damage. Sberbank home protection insurance is an opportunity to secure material compensation for yourself in case of emergencies with your living space.

The insurance department of the main bank of Russia offers you not only to protect your home from possible risks, but also to insure your civil liability in case the property of your neighbors is damaged.

The client has the right to independently choose one of the 4 levels of protection within the insurance program. The most accessible of them will cost bank customers 1,750 rubles a year, in this case it will be possible to count on a maximum payment of 450 thousand rubles, of which 200 thousand is a payment for damage to interior decoration, movable property is estimated at a maximum of 150 thousand rubles, and civil responsibility of 100 thousand. The maximum level of insurance implies insurance payments in the amount of 2 million rubles with an annual investment of 6,750 rubles. In this case, you can receive a payment of up to 1 million rubles for the elimination of repair damage and 500 thousand each for compensation for damage to third parties and for valuables. The pricing policy provides for the distribution of promotional codes, upon presentation of which the real price is lower than the originally declared one.

Sberbank home protection insurance insurance conditions provide for monetary compensation if the following elements or things are lost or damaged:

• built-in and cabinet furniture;
• Appliances;
• audio and video equipment, electrical appliances;
• interior items;
• sports equipment and inventory;
• baby carriages and toys;
• personal wardrobe items (clothes and shoes), bedding.

What can be the object of insurance

When taking out an insurance policy, it is important to understand what is possible to insure, and in what cases you can expect to receive payments.

The "Home Protection" policy from Sberbank for the insurance service implies protection for:

1. Interior decoration and engineering equipment. This category includes repairs, all installed doors, kitchen equipment, plumbing, indoor video surveillance systems, ventilation systems, air conditioners, etc.
2. Movable property. Portable equipment, wardrobe items, furniture fall into this category, but luxury items are not covered by insurance, in particular, furs, jewelry, antiques, etc. are not insured.
3. Civil responsibility. This clause means that compensation will not be limited to your property. If, as a result of an accident in your home, the property of your neighbors is damaged, insurance will cover these costs.

The difference between private and commercial housing

Present an identity document (for example, a passport) and information about the property - this is enough to apply for insurance. A third party can submit documents and sign an agreement, but it is recommended to indicate the beneficiary of the one who owns the property.

What risks are included?

By purchasing a policy under the Sberbank Insurance Home Protection program, you receive comprehensive housing protection against common threats:

1. Fire. In the event of a fire in your home, you will be able to receive compensation not only for the burnt property, but also for what was damaged by combustion products and smoke. Additional item - compensation for objects damaged during fire extinguishing (flooding with foam or water used by firefighters)
2. Bay. Your home is protected from breaks in plumbing systems, the consequences of fighting a fire. If the water threat came from neighbors, this is also an insured event. This item implies protection against all liquids, in all their states of aggregation, therefore, if your home suffers from steam, then the damage will be compensated.
3. Explosion. Protection against blast waves, blast clean-up activities and fragments or other items that could cause damage.
4. mechanical influence. Your property was damaged during repairs in the apartment of neighbors or as a result of a change in layout by third parties.
5. Civil responsibility. Your actions caused damage to the property or health of neighbors, including legal entities.

The procedure for issuing a policy

The contract can be issued at any convenient branch of the bank, or online, on the official website of the insurance division. Each client has the right to choose which of the options will be more convenient.

To purchase a policy at a branch, the client must have a passport and property data. It is important to make payment immediately after completing the necessary documents. The purchase will take no more than 10 minutes.

Making a policy online allows you to make a purchase without leaving your home. In addition, this option costs an average of 10% less.

Basic design methods

1. Purchasing a policy from a bank.
2. Selection of the program - the manager will acquaint you with the conditions and help you choose the optimal program.
3. Price calculation – the client selects the desired amount of insurance.
4. Drawing up an application form - issuing a policy, entering data.
5. Payment document - signing the completed documents and paying for the purchase.
6. Online purchase.

Requirements and documents

To purchase a policy, you need an identity document and information on the property. A third party can act as a buyer, but in the event of an insured event, the owner will receive payments. Insurance is purchased for the entire apartment or house. If there are several owners, it is impossible to insure only your part.

Sberbank Home Protection program must be activated within 14 to 30 days after purchase. The purchase scheme is simplified: the office manager himself sends the documents, scans the receipt. The client must activate the service.

Cost and prices

It is cheaper to issue a policy online, on average the difference is about 10%. When applying via the Internet, the minimum cost is 2250 rubles per year, the maximum is 6750.

For clients who apply to the department, the cost will be 2500-7500 thousand rubles.

How is the policy activated?

The product can be activated over the phone or on the bank's website. In the telephone version, you need to provide the manager with personal data, policy number, address of the insured object and the amount insured. On the site, the client must enter the same set of data in the appropriate "windows", also indicate the activation code

Which is contained in the application form, as well as enter the confirmation code from the captcha to protect against robots.

How to renew the policy

The procedure for renewing a policy is not much different from buying one. You can apply for an extension at a bank branch with the help of a manager, as well as on the website in your personal account.

Actions in the event of an insured event

In the event of an insured event, bank employees recommend that customers, first of all, remain calm and follow the instructions.

• Call for help. Call for emergency assistance by calling a single number 112 or contact the utilities.
• Try to minimize losses. If the situation allows, try to save the most important thing - money, documents, jewelry.
• Contact the bank. Call 8-800-555-555-7, introduce yourself, give the policy number and report the details of what happened.
• Prepare documents. Collect the necessary documents about the insured event.
• Communication with an expert. Show the bank's expert employee, transfer the collected documents to him.