“Insurance is useless.” A phrase often heard by brokers who help clients choose the right insurance. People usually add some story about how something happened to someone, they were insured, but they didn’t get a single penny from the insurance company. Rumors? Unfortunately, nothing like this can happen with quality insurance, moreover, the insurance policy often saves you from a big life problem.
When a hurricane, storm, blizzard or flood comes, it’s too late to solve anything, it’s just a matter of saving life. And then? After that, all that remains is to take out a loan and arrange repairs or purchase equipment at your own expense. At the same time, it costs a few hundred per year to insure the property!
Czech laziness
Although the situation on the real estate market is slowly improving, Czechs still treat their property lightly. While in Western countries it is de facto out of the question to have an uninsured property, here it is a relatively common phenomenon. Outdated contracts are also a problemwhich is the case not only for the senior generation, but also for middle-aged property owners who only pay the annual insurance premium but do not regularly update the contract.
Correctly selected insurance
What is important about apartment or house insurance? Essentially choose the right property insurance, because two insurance products are attached to real estate. While property insurance covers the building itself including fixed components, home insurance covers equipment including furniture, personal and sporting goods or valuables. SV pojišťovna’s product is an excellent choice Safe home pluswhich takes both types of insurance into account, there is no risk of underinsurance.
You just need to know the area of the household
In the case of an apartment or family house, it is enough to know the identification data, such as the exact address, and household area in square meters. The system itself proposes a lump-sum insurance amount, so there is no need to write out a complicated list of equipment with purchase amounts. Next advantage of this policy is civil liability insurance, which is useful not only in case of heating up the neighbors, but also in normal everyday activities, when someone else’s property is damaged or another person is injured, for example during recreational sports on your part.
