[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.rojko.sk\/je-potrebne-poistenie-majetku\/#Article","mainEntityOfPage":"https:\/\/www.rojko.sk\/je-potrebne-poistenie-majetku\/","headline":"Je potrebn\u00e9 poistenie majetku?","name":"Je potrebn\u00e9 poistenie majetku?","description":"Poistenie. U\u017e ke\u010f to slovo po\u010dujeme, hne\u010f vid\u00edme iba platby, ktor\u00e9 pravidelne uhr\u00e1dzame. A\u00a0niekedy veru nie mal\u00e9. D\u00f4le\u017eit\u00e9 je uvedomi\u0165 si, \u017ee pr\u00e1ve pois\u0165ov\u0148a je ten, kto n\u00e1m pom\u00f4\u017ee, ke\u010f sa stane nie\u010do zl\u00e9. Vlastne si plat\u00edme za svoju ochranu. A\u017e ke\u010f pr\u00edde nejak\u00e1 kalamita a\u00a0n\u00e1\u0161 majetok ostane nepou\u017eite\u013en\u00fd, vtedy ocen\u00edme, \u017ee n\u00e1m pois\u0165ov\u0148a vyplat\u00ed […]","datePublished":"2019-05-25","dateModified":"2024-04-25","author":{"@type":"Person","@id":"https:\/\/www.rojko.sk\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.rojko.sk\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/06473a178d94fb830b46e277369729e9534f2612e261ec2f1ee96b672ef473e2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/06473a178d94fb830b46e277369729e9534f2612e261ec2f1ee96b672ef473e2?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"rojko.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.rojko.sk\/wp-content\/uploads\/img_a302542_w16585_t1561544409.jpg","url":"https:\/\/www.rojko.sk\/wp-content\/uploads\/img_a302542_w16585_t1561544409.jpg","height":0,"width":0},"url":"https:\/\/www.rojko.sk\/je-potrebne-poistenie-majetku\/","wordCount":426,"articleBody":"Poistenie. U\u017e ke\u010f to slovo po\u010dujeme, hne\u010f vid\u00edme iba platby, ktor\u00e9 pravidelne uhr\u00e1dzame. A\u00a0niekedy veru nie mal\u00e9.D\u00f4le\u017eit\u00e9 je uvedomi\u0165 si, \u017ee pr\u00e1ve pois\u0165ov\u0148a je ten, kto n\u00e1m pom\u00f4\u017ee, ke\u010f sa stane nie\u010do zl\u00e9. Vlastne si plat\u00edme za svoju ochranu. A\u017e ke\u010f pr\u00edde nejak\u00e1 kalamita a\u00a0n\u00e1\u0161 majetok ostane nepou\u017eite\u013en\u00fd, vtedy ocen\u00edme, \u017ee n\u00e1m pois\u0165ov\u0148a vyplat\u00ed ur\u010dit\u00fa \u010diastku na n\u00e1kup nov\u00fdch vec\u00ed.Ako je to s\u00a0poisten\u00edm majetku? V\u00a0pr\u00edpade budovy sa pois\u0165uje stavba, teda v\u0161etko, \u010do je zabudovan\u00e9. M\u00fary, podlahy, strecha, okn\u00e1, dvere, v\u0161etko na pevno primontovan\u00e9. Hodnota stavby a\u00a0stavebn\u00fdch s\u00fa\u010dast\u00ed sa ur\u010duje pod\u013ea zastavanej plochy, po\u010dtu podla\u017e\u00ed, veku stavby.\u010ealej je to zariadenie domu. Tu si sami ur\u010dujete, ak\u00e1 vysok\u00e1 m\u00e1 by\u0165 poistn\u00e1 suma. Treba si dobre premyslie\u0165, ak\u00fa cenu maj\u00fa v\u0161etky veci vo va\u0161ej dom\u00e1cnosti. N\u00e1bytok, doplnky, koberce, oble\u010denie, top\u00e1nky, elektrick\u00e9 spotrebi\u010de, riad… Vlastne ko\u013eko by ste potrebovali, aby ste si moli nak\u00fapi\u0165 nov\u00e9 veci v\u00a0pr\u00edpade, \u017ee by sa v\u0161etky zni\u010dili. Ak m\u00e1te doma cenn\u00e9 veci, napr\u00edklad staro\u017eitnosti, tieto sa pois\u0165uj\u00fa zvl\u00e1s\u0165.Mo\u017eno sa v\u00a0tom v\u0161etkom str\u00e1cate, je ve\u013ea inform\u00e1cii vo v\u0161eobecn\u00fdch poistn\u00fdch podmienkach a\u00a0zmluvn\u00fdch dojednaniach. Nechajte si poradi\u0165 a\u00a0pom\u00f4c\u0165 poradcom, ktor\u00fd v\u00e1m poistn\u00fa zmluvu sprostredkuje. Vopred si pripravte ot\u00e1zky, aby ste vedeli, \u010do vlastne m\u00e1te kryt\u00e9 poisten\u00edm a\u00a0\u010do nie. Pred\u00eddete tak sklamaniu a\u00a0nedorozumeniam.D\u00f4le\u017eit\u00e9 je, aby ste si spr\u00e1vne vybrali aj rizik\u00e1, ktor\u00e9 by mohli po\u0161kodi\u0165, alebo zni\u010di\u0165 v\u00e1\u0161 majetok. Pozrite si, \u010do dan\u00e1 pois\u0165ov\u0148a pon\u00faka a\u00a0vyberte si dobre. Naj\u010dastej\u0161ie rizik\u00e1 s\u00fa : po\u017eiar, povode\u0148, z\u00e1plava, v\u00edchrica, kr\u00e1de\u017e, voda z\u00a0vodovodn\u00fdch zariaden\u00ed. Pois\u0165ovne zis\u0165uj\u00fa a\u00a0stanovuj\u00fa \u00farove\u0148 zabezpe\u010denia a\u00a0ochrany pred ur\u010dit\u00fdm rizikom. V\u00a0neposlednom pr\u00edpade sa st\u00e1va, \u017ee v\u00e1m v\u00e1\u0161 dom po\u0161kod\u00ed p\u00e1d stromu, alebo in\u00e9ho predmetu, alebo in\u00e9 rizik\u00e1, premyslite si, \u010do je vo va\u0161om pr\u00edpade pravdepodobn\u00e9.Ku poisteniu dom\u00e1cnosti si m\u00f4\u017eete pripoisti\u0165 aj zodpovednos\u0165 za \u0161kodu sp\u00f4soben\u00fa \u010dlenom dom\u00e1cnosti.Je d\u00f4le\u017eit\u00e9 si dobre vybra\u0165, aby ste mohli aj po nejakom ne\u0161\u0165ast\u00ed bez \u0165a\u017ekost\u00ed svoje b\u00fdvanie obnovi\u0165.                                                                                                                                                                                                                                                                                                                                                                                        4.4\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je potrebn\u00e9 poistenie majetku?","item":"https:\/\/www.rojko.sk\/je-potrebne-poistenie-majetku\/#breadcrumbitem"}]}]