You can buy a home or building insurance policy online:
We also offer three office insurance programs.
Insurance of country houses at Rosgosstrakh is reliable protection in unforeseen situations.
Advantages of “Classic” home and property insurance
This is an insurance product for buildings constructed from expensive construction and finishing materials; buildings with individual architecture and interior design; expensive cottages located in guarded cottage communities.
Home insurance with Rosgosstrakh is reliable protection in unforeseen situations.
Advantages of home and property insurance "Prestige"
- A wide range of combinations of insurance objects and insurance coverage options.
- Insurance of external objects (equipment).
- Individual approach to each client who chooses insurance country house.
- Insurance of expensive property (collections, antiques, etc.).
- Insurance for a period of 6 months to a year.
- Possibility of installment payment of insurance premium.
Home insurance priceand other detailed official information on this product can be obtained from Rosgosstrakh specialists.
This product is for insuring houses of the lower and middle segment, built in gardening associations, settlements, villages, hamlets, and cottage communities. This policy allows you to insure most types of buildings, including cottages and outbuildings.
Insurance of a dacha or home under the Rosgosstrakh Dom Aktiv program is especially relevant for those who are used to vacationing outside the city only in the warm season and are forced to leave their property unattended for the rest of the year.
Advantages of the "Active" home and property insurance program
- Conclude an agreement promptly without an application.
- Pay your insurance premium in one lump sum or in installments.
- We help you accurately and quickly determine the cost of insurance for your cottage and property.
- You can insure a house, outbuildings, interior and exterior decoration of premises, movable property and especially valuable items, engineering and equipment, as well as civil liability during the operation of buildings (including damage to life, health and property of third parties).
Insure your home contents
In addition to insuring a cottage or country house, you can insure any household property: furniture, household appliances, etc.
The Rosgosstrakh program insures household property against a wide range of risks. You will protect yourself from financial losses in the event of theft or fire, which, unfortunately, is also not uncommon.
Very inexpensive
The cost of insuring a home and other property may not be burdensome to the family budget. Rosgosstrakh strives to ensure that the programs offered are not only as reliable as possible, but also accessible to everyone.
No unnecessary documents
Rosgosstrakh offers to insure your property in just 5 minutes! There is no need to present receipts for the purchased property or collect a package of documents. If necessary, an on-site specialist will inspect and photograph the structure, calculate the cost and issue an insurance policy.
Delivery! We will deliver the policy to your home or office, and the visit of a specialist is free. Currently, this type of property insurance is available to everyone in Moscow (within the Moscow Ring Road for policy costs over 2,000 rubles).
Property insurance at Rosgosstrakh - reliable, fast, inexpensive!
We are always happy to see you and answer any questions. Just call us or come to your nearest office.
RESO is one of the largest players in the domestic insurance market. The company was founded in 1991 and was originally called “Russian-European Insurance Company”.
The modern abbreviated name comes from this name. At the moment, the insurer is consistently among the top 5 Russian insurance organizations.
The RESO company is a universal insurer. This means that its clients can take out a policy to protect life, health, movable and immovable property, and insurance for traveling abroad. Programs related to real estate (housing) stand out from the background of other products of the organization.
Among the features of this area of insurance at RESO are the following:
- Wide variety of insurance programs. The company works with both private houses and apartments. Several products are provided for each type of housing.
- Possibility of obtaining a policy in installments.
- There is no need to demonstrate the insured property to representatives of the organization.
- Availability of a franchise.
- Benefits for persons who have an issued RESO-Dom policy.
Unlike other insurance companies, RESO not only reimburses the cost of damaged items, but also provides funds for clearing the area after an emergency.
"RESO-Garantiya" - Insurance of Apartments and Townhouses against Flood and Fire
Apartment insurance provides its protection against such insurance risks as: fire, explosion, lightning strike, actions of third parties, impact and collision, natural disasters. Unlike other companies, you cannot issue a policy remotely. However, a preliminary calculation of its cost with subsequent purchase from insurance agent or at the organization's office.
Currently, the company provides its clients with the opportunity to purchase one of 10 insurance policy options. They differ from each other in cost, amount of insurance coverage, and additional risks.
You can study the features of the programs in more detail by reading the following table:
| Program name | Insurance contract price in rubles | Structural elements | Finishing | Property located inside the apartment (movable and technical equipment) | Civil liability insurance | Restrictions related to the region where the apartment is located, its area and the age of the house |
|---|---|---|---|---|---|---|
| "Brownie Basic GO" | In the absence of a franchise – 1,500 (for residents of the Leningrad region – 2,200) | No | No | No | 150 thousand | |
| "Brownie Basic GO+" | In the absence of a franchise - 2,500 (for residents of the Leningrad region - 3,300) | No | No | No | 300 thousand | The location of the real estate is not taken into account; Dimensions of living space - without any restrictions; Year of construction of the structure in which the housing is located - no limits have been established. |
| "House Basic Finish" | In the absence of a franchise - 3,500 (for residents of the Leningrad region - 5,300) | No | No | No | ||
| "Brownie Basic" | In the absence of a franchise - 5,000 (for residents of the Leningrad region - 7,500) | No | Up to 700 thousand rubles, per m2 no more than 8,000 rubles. | 600 thousand | 150 thousand | The location of the real estate is not taken into account; The size of the living area cannot exceed 100 m2. Year of construction of the structure in which the housing is located - only buildings erected after 1950. |
| "Brownie Basic +" | In the absence of a franchise – 6,000 (for residents of the Leningrad region – 8,600) | No | Up to 700 thousand rubles, per m2 no more than 8,000 rubles. | 600 thousand | 300 thousand | The location of the real estate is not taken into account; The size of the living area cannot exceed 100 m2. Year of construction of the structure in which the housing is located - only buildings erected after 1950. |
| "House Economy 200" | In the absence of a franchise – 6,000 | 3 million | Up to 450 thousand rubles, per m2 no more than 4,500 rubles. | 300 thousand | 300 thousand | The location of the real estate is not taken into account; The size of the living area cannot exceed 100 m2. Year of construction of the structure in which the housing is located - only buildings erected after 1950. |
| "House Express 7500" | In the absence of a franchise – 7,500; Availability of a franchise of 5,000 rubles – 6,000. | 5 million | Up to 500 thousand rubles, per m2 no more than 6,000 rubles. | 450 thousand | 600 thousand | The location of the real estate is not taken into account; The size of the living area cannot exceed 100 m2. Year of construction of the structure in which the housing is located - only buildings erected after 1950. |
| "House Express 9800" | In the absence of a franchise – 9,800; Availability of a franchise of 5,000 rubles – 7,800. | 7 million | Up to 700 thousand rubles, per m2 no more than 8,000 rubles. | 600 thousand | 1 200 000 | The location of the real estate is not taken into account; The size of the living area cannot exceed 120 m2. Year of construction of the structure in which the housing is located - only buildings erected after 1950. |
| "House Premium 17,000" | In the absence of a franchise – 17,000; Availability of a franchise of 7 thousand rubles – 12,800. | 10 million | Up to 1,200,000 rubles, per m2 no more than 15,000 rubles. | 1 million | 1 700 000 | The location of the real estate is not taken into account; The size of the living area cannot exceed 150 m2. Year of construction of the structure in which the housing is located - only buildings erected after 1930. |
| "House Premium 35,000" | In the absence of a franchise – 35,000; Availability of a franchise of 10 thousand rubles – 27,000. | 15 million | Up to 2 million rubles, per m2 no more than 22,000 rubles. | 1 500 000 | 3 million | The location of the real estate is not taken into account; Dimensions of living space - without any restrictions; Year of construction of the structure in which the housing is located - no limits have been established. |
Thus, insurance programs operate throughout the country, however, there are restrictions related to the size of the property, as well as age multi-storey building. A special feature of the Premium class packages is that the contract automatically includes insurance risks of “terrorism” and “sabotage”.
"RESO" - Calculator for calculating the cost of the Policy for Apartments and Townhouses
Above are the company's main insurance programs. These are pre-prepared packages; the user just needs to select the most suitable option. However, it is possible to conclude an agreement with individual conditions. In this case, to find out the cost of the product, you will have to use a special online calculator.
You can access it as follows:
A calculation form will open in front of the user. You will need to fill it out. To do this you need to specify:
- the region in which the property is located;
- insurance risks included in the contract (just tick the boxes);
- objects of insurance – you need to select and then enter the amount of insurance coverage.
After entering all the data, click on the “Calculate” button. The cost of the policy will be shown below the form. The result obtained is preliminary data. The final cost can be clarified by the insurance agent.
"RESO-Garantiya" - Insurance of Houses and Cottages against Flood and Fire
Insurance of private houses from RESO is also relevant. The company issues policies for the protection of summer cottages and cottages, both within the city and outside the villages. The client can select one of the insurance packages or draw up an agreement on individual terms.
Home and Cottage Insurance Programs at RESO - Finishing and Elements
The company's employees have developed several insurance packages, which differ from each other both in the number of covered insurance risks and in cost. Separate tariffs are developed for baths.
You can get acquainted with the cost of insuring flammable elements of your home by studying the following table:
| 600 000 | 2900 | 3 600 | 4 300 |
| 800 000 | 3 800 | 4 800 | 5 800 |
| 1 000 000 | 4 800 | 6 000 | 7 200 |
| 1 200 000 | 5 800 | 7 200 | 8 600 |
| 2 000 000 | 9 600 | 12 000 | 14 400 |
| 3 000 000 | 13 000 | 16 200 | 19 400 |
| 5 000 000 | 21 600 | 27 000 | 32 400 |
| 10 000 000 | 38 400 | 48 000 | 57 600 |
Prices for insurance of non-combustible elements are different:
| The maximum amount of compensation is in rubles. | First package (minimum), cost in rubles. | Second package (“Advanced”). Includes protection against fire, explosion, theft and robbery, illegal actions of third parties, and natural disasters. Cost in rubles. | The third package (“Full”), which includes the same risks as in the previous case, + water damage and falling trees and aircraft, cost in rubles. |
|---|---|---|---|
| 600 000 | 2 000 | 2 500 | 3 000 |
| 800 000 | 2 700 | 3 400 | 4 000 |
| 1 000 000 | 3 400 | 4 200 | 5 000 |
| 1 200 000 | 4 000 | 5 000 | 6 000 |
| 2 000 000 | 6 700 | 8 400 | 10 100 |
| 3 000 000 | 9 100 | 11 300 | 13 600 |
| 5 000 000 | 12 100 | 15 100 | 18 100 |
| 10 000 000 | 26 900 | 33 600 | 40 300 |
When insuring a bathhouse, the cost of the policy will be as follows:
| The maximum amount of compensation is in rubles. | First package (minimum), cost in rubles. | Second package (“Advanced”). Includes protection against fire, explosion, theft and robbery, illegal actions of third parties, and natural disasters. Cost in rubles. | The third package (“Full”), which includes the same risks as in the previous case, + water damage and falling trees and aircraft, cost in rubles. |
|---|---|---|---|
| 600 000 | 4 500 | 4 800 | 5 100 |
| 800 000 | 6 000 | 6 400 | 6 800 |
| 1 000 000 | 7 500 | 8 000 | 8 500 |
| 1 200 000 | 9 000 | 9 600 | 10 200 |
| 2 000 000 | 15 000 | 16 000 | 17 000 |
| 3 000 000 | 22 500 | 24 000 | 25 500 |
Prices for the RESO-Dom Express program:
| Elements | 100 000 | 300 000 | 500 000 | 700 000 | 1 million | 1.5 million | 2 million | 3 million | Bath | 100 000 | 300 000 | 500 000 | 700 000 | 1 million |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Non-flammable | 1 100 | 2 400 | 3 500 | 4 900 | 6 300 | 9 000 | 10 800 | 15 800 | All elements | 1 700 | 3 800 | 6 000 | 8 300 | 10 500 |
| Flammable | 1 500 | 3 400 | 5 000 | 7 000 | 9 000 | 12 800 | 15 300 | 22 500 | All elements | 1 700 | 3 800 | 6 000 | 8 300 | 10 500 |
The above are approximate prices. The indicated cost is not final and can be adjusted by insurance agents based on the characteristics of the property insured.
"RESO" - Calculator for calculating the cost of the Policy for Houses and Cottages
As in the case of an apartment, a RESO client can buy one of the pre-prepared insurance packages, or enter into an agreement with individual features. The cost of such a document can be calculated independently. To do this you need to do the following:
A form will open in which you need to indicate:
- insurance package (the same risks are covered as listed in the tables above);
- insurance region;
- additional risks;
- objects of insurance and amounts of insurance coverage;
- features of buildings;
- franchise amount (may not be used).
The cost will be displayed under the form after filling out all fields and clicking on the “Calculate” button. These data also do not constitute the company's final offer and may be subject to revision based on the characteristics of the property being insured.
Policy for Apartments and Houses from "RESO-Garantiya" - Buy Online
The RESO company provides its clients with the opportunity to issue travel policies and e-OSAGO policies remotely. At the same time, to conclude a real estate insurance contract, you need to do the following:
- Find the nearest insurance company office. The organization's website lists the addresses of all branches of the insurer in the cities of the Russian Federation.
- Visit the selected branch.
- Contact an employee with a request for registration.
- Act in accordance with instructions provided by an employee of the organization.
The approximate price of package policies is indicated above. You can calculate the cost of a contract with individual insurance conditions using online calculators. An insurance agent will be able to give you the exact price after analyzing a specific building.
When choosing a specific insurance package, you need to focus on certain factors. Among the main ones:
- The nature of the property.
- Its level of wear.
- House cost.
- Items that need to be insured.
- The likelihood of certain incidents occurring (for example, if the house does not have a gas stove or boiler, insuring it against a household gas explosion may be unnecessary).
It is also necessary to take into account restrictions related to the placement of the apartment/house, living space, and year of construction. It is recommended to choose a specific program based on the actual value of the insured property.
"RESO" compensates only for the cost of the property, taking into account its wear and tear. Therefore, there is no point in paying more for a policy in the hope of receiving additional funds.
"RESO" - Insurance of Apartments in Moscow with a 50-70% Discount
Special offer for company clients. Possibility of signing an insurance contract to protect an apartment at a discount of 50% of the initial cost of the policy. Construction, finishing, civil liability and movable property are insured. The contract includes all major insurance risks.
The cost of the policy is from 3,000 to 3,750 rubles with insurance coverage in the amount of 1,600,000 to 6,550,000 rubles. For residents of the Leningrad region, prices are different. They will have to pay from 4,900 to 17,500 rubles for the policy with an insured amount of 9.5 - 21.5 million rubles. The promotion was initially valid until June 30, 2016, but was extended, just like last year.
Only those persons who already have one issued policy of the organization can take advantage of the offer. At the same time, the insurance sector, as well as the cost of the service, does not matter. The only caveat is that for OSAGO policies the discount becomes available only a month after the start of their validity. The promotion does not apply to insurance of mortgaged apartments.
"RESO-Garantiya" - Insured Event in an Apartment and House, What to Do?
The first thing to do when attacking insured event– call the competent authorities to eliminate its consequences. If any of the property can be salvaged, an attempt should be made to do so.
After completely eliminating the consequences of the accident, you need to do the following:
- Contact the competent authority to obtain a certificate confirming the fact of the incident.
- Fill out the application. You can download it using this link: .
- Send the completed application form to email [email protected] or print it out and bring it to one of the insurer's branches.
- Wait for a call from an employee of the organization, then collect a package of documents that he says and provide it to the company.
A written application must be submitted within 14 days from the date of the insured event. The decision on payments is made within 15 days. Funds are transferred to the bank account specified by the client of the organization.
You can insure not only the health and life of the policyholder, but also his property. RESO-Garantiya is an insurer that, based on the individual needs of the client, provides insurance for any type of property. The company insures houses on plots, apartments, as well as mortgaged property. Each type of property has its own insurance nuances and a set of insured events. Learn more about RESO insurance.
An apartment in an apartment building is always a neighborhood with other residents. Often, due to the negligence of one resident, the owners, as well as the property of other apartments, suffer. RESO-Garantiya offers clients insurance that covers not only repair costs in the event of an insured event, but also compensation for the costs of neighbors who suffered due to the fault of the policyholder.
Home insurance from RESO-Garantiya in an apartment building is presented in six types of offers.
Insurance policy "Brownie"
This is a type of property insurance in which the client has the opportunity to choose the objects of insurance, as well as the insured amount.
The list of insurance areas includes:
- Apartment design.
- Finishing.
- Technical equipment.
- Movable property.
- Civil liability.
- Life or health of apartment residents.
This is a universal policy that allows you to combine areas of insurance, as well as payment amounts.
Real estate insurance "Domovoy-Premium"
The insurance policy includes a full range of property insurance services and is presented in two sentences: A and B. It insures the structure of the apartment, movable property, decoration and civil liability.
Option "Brownie-Premium" A more expensive: its cost varies from 27,000 to 35,000 rubles, depending on the availability of a franchise. The total amount of insurance payment is up to 21,500,000 rubles.
Option B assumes that the construction period of the apartment building is no earlier than 1930, and the area of the premises is no more than 150 m2. The maximum amount of compensation for damage is up to 13,900,000 rubles. The cost of this option varies from 12,800 to 17,000 rubles per year.
"Domovoy-Express" - fast insurance of property of individuals
The policy insures the structure of the apartment, movable property, decoration and civil liability. Domovoy-Express insurance is also presented in two options - A and B:
- Option A. In the first case, it is assumed that the structure of the apartment occupies no more than 120 m2, and the age of the house is no more than 55 years. The maximum total payment amount is 14,900,000 rubles. The cost of insurance with a franchise will cost 7,800 rubles, without it - 9,800.
- Option B. The cost of the policy and the amount of insurance payments are reduced, but the list of insured events remains the same. Thus, the Domovoy-Express policy B will cost from 6,000 to 7,500 rubles.
The maximum amount to cover expenses for insured events is 6,550,000 rubles.
Policy "Brownie-Economy"
Economy insurance is represented by one universal offer that is suitable for insuring most apartments. Insurance is provided for two amounts of compensation for losses related to the structure of the apartment. The first of them involves insurance in the amount of up to 2,100,000 rubles, the policy itself costs 4,500 rubles. The second one is 3,000,000 rubles, and its cost is 6,000 rubles.
Coverage for damage to finishing is 450,000. For movable property, up to 300,000 is indemnified, the same amount is provided for civil liability coverage.
Peace of mind on the “Brownie-Vacation” trip
The “House-Vacation” offer has been compiled for those apartment owners who care about the safety of their property while they are away from home. The main advantage of this type of policy is that its price is fixed - 30 rubles per day, regardless of the duration of the contract. The minimum insurance period is 5 days. The maximum amount of insurance payment is 1,450,000 rubles.
The policy insures furnishings, movable property and civil liability. The apartment can be insured against gas explosion, fire, exposure to natural factors, fall of the house structure, robbery, as well as intentional damage.
"Brownie-Preferential" - insurance for all ages
A preferential type of insurance is designed to provide a material safety net for owners of apartments of any year built, its price is 3,000 rubles. The price of the policy includes a guarantee of payment up to 2,400,000 rubles.
RESO-Garantiya provides compensation for losses in construction, decoration, civil liability and damage to movable assets in an apartment up to 100 square meters.
Home insurance in RESO-Garantiya
The RESO-Garantiya company provides services for compensation of damage in case of fire, flood, robbery, explosions, natural disasters or simple negligence of the owner. Private house has a larger list of insured events, because it is more vulnerable. In addition, home insurance often includes compensation for damage to adjacent areas or buildings.
RESO-Garantiya offers a tariff system that is accessible to everyone: depending on the amount insured, the policy can cost 10-50% less.
The cost of insurance is influenced by the number of risk groups for which funds are paid, as well as by the number of buildings.
RESO insurance offers two insurance programs for real estate with land.
"RESO-dom" - a universal policy
When concluding a RESO-dom contract, the insurance company insures dachas, bathhouses, cottages, garden houses, outbuildings, garages, fences, fences, landscape structures, as well as decoration, movable property and technical equipment.
When drawing up a contract, the client can set the insurance coverage option, select the insured amount, determine the number of buildings to be insured, and also indicate the duration of the contract. The cost of each specific policy depends on the individual characteristics of the property and the client’s requirements.
Policy without inspection
This type of insurance involves insuring property without providing an appraisal report and examination by an expert. RESO-Garantiya concludes an agreement to insure a house worth up to 1,000,000 rubles for up to three buildings on the site.
Calculating the cost of a home insurance policy
Each type of insurance includes different types buildings, different costs, different options for insurance protection and property value. You can calculate the estimated cost of insurance using an online calculator on the official website reso.ru in the “Calculators” tab.
Then you need to select the required tab, in this case – “Insurance of cottages and houses”.
To obtain the estimated cost of the policy, you must fill in all the fields in the window that opens and click the “Calculate” button. You can discuss the subject value and conclude an agreement anywhere, at a convenient time, during a personal meeting with an insurance agent RESO-Garantiya.
"RESO-mortgage" - comprehensive insurance
The RESO-Garantiya company provides policies even for that type of property that the client does not fully own. Mortgage insurance is a set of services that are aimed at protecting property not only physically, but also legally. The insurance policy includes three main services:
- Mortgage life insurance. REO-Guarantee in the event of death or disability of groups I and II ensures payment of the outstanding portion of the mortgage instead of the client. The rest of the insurance amount is paid to the beneficiary or heir.
- Apartment mortgage insurance. The company will pay the insured amount under the contract in a situation where the mortgaged property suffered damage regulated by the insured event.
- Property insurance in case of loss of property rights. If violations or errors are made when signing an agreement to purchase a mortgaged property, property rights are often limited or lost. RESO-Garantiya will compensate for all losses within the insured amount.
RESO-Mortgage insurance policy is a guarantee of fulfillment of the borrower’s obligations to repay the loan received. You can calculate the cost of the policy using a special calculator on the website. You can find it in the “Calculators” tab on the main page of the reso.ru website. Next, you need to select “Mortgage Insurance”.
To obtain the estimated cost of insurance, you must fill in all the fields in the window that opens. Also go through the Google service check and click on the “Calculate” button.
Advantages of RESO-Garantiya insurance
The advantage of RESO-Garantiya in insurance is the conclusion of a contract without an expert assessment and determination of the exact value of the property. In addition, it is possible to include a complete list of risks. You can also submit documents online, which makes the review procedure more convenient and faster.
Registration will require a minimum amount of documents and time, since the preparation of the policy is carried out within one day. The main advantage is complete and timely. It is also important that the policy can be issued in installments.
It is important to remember that the payment amounts insurance offer in case of damage to apartments, RESO-Guarantee is fixed. The offer is valid in all regions of Russia. For clients purchasing a private home insurance policy, a discount of 5% to 20% is available.
RESO-Garantiya is an insurance company that insures any type of property. The company offers six apartment insurance programs, two home insurance packages and a universal mortgage property insurance policy.
Insurance company "RESO-Garantia" provides insurance activities for more than 25 years and is one of the leaders in Russian insurance market. The company offers clients property insurance programs to reliably protect real estate from robbery, fire, flooding and other unforeseen incidents.
Advantages of property insurance at RESO-Garantiya
At the end of 2015, the company took 3rd place among Russian insurance organizations in the property insurance segment, collecting RUB 3,163,807 thousand. bonuses and paying 584,296 thousand rubles. for insurance cases.
The authorized capital of IC "RESO-Garantia" is 10.85 billion rubles, and the company's reliability rating is assessed by the Expert RA agency as exceptionally high "A++" with a stable forecast. The company's insurance obligations regarding payments are guaranteed by reinsurance companies Munich Re, Hannover Re, Gen Re, SCOR, Partner Re. The number of RESO-Garantiya client base is more than 10 million individuals and legal entities.
Other advantages of insurance in IC "RESO-Garantia" include:
- the ability to insure a wide range of objects - apartments, houses, cottages, fences, swimming pools, greenhouses, technical equipment;
- payment of an insurance policy in installments;
- pay insurance compensation within 15 days.
Insurance risks covered by the policy
All property insurance programs from RESO-Garantiya guarantee compensation for losses associated with the following insured events:
- fire, gas explosion, lightning strike;
- water damage;
- natural disasters (earthquake, inundation, flood, hurricane, storm, tsunami, tornado, rockfall, landslide, avalanche, hail, mudflow);
- robbery, burglary;
- damage associated with illegal actions third parties;
- collision with foreign objects;
- terrorism.
Types of property insurance programs
IC "RESO-Garantia" offers several real estate insurance programs that differ in the objects of insurance. The list of insurance risks is identical for all programs.
"RESO-house"
This program was created to insure country property and provides insurance for such objects as:
- cottage, dacha;
- interior decoration;
- movable property;
- fencing, fencing;
- landscape structures.
"Policy without inspection"
The insurance product is designed to insure any country buildings worth up to 1 million rubles. To conclude a contract, a preliminary inspection of the property by a company representative is not required.
"Brownie"
This program is designed to insure an apartment, namely such structural elements as:
- walls, windows, doors, pipelines;
- covering walls, floors, ceilings;
- built-in furniture;
- heating, ventilation, sewerage, gas and water supply, surveillance and security systems;
- movable property (interior items, furniture, electronics, equipment, household appliances, dishes, tools, clothing).
In addition to the listed insurance items, the program provides life and health insurance for apartment residents against accidents, as well as civil liability insurance. Registration of the “Brownie” insurance program is possible in four options, depending on the selected amount of insurance coverage - “Economy”, “Preferential”, “Express”, “Premium”.
Cost of property insurance programs
The table below provides approximate data on the cost of property insurance from RESO-Garantiya in Moscow as of 2017.
| Program name |
Insured risks |
Amount of insurance coverage, rub. |
Cost of insurance, rub./year |
| "RESO-house" |
fire, gas explosion, lightning strike; water damage; natural disasters; robbery, burglary; damage associated with illegal actions of third parties; collision with foreign objects; terrorism. |
house - 6,500,000; movement property - 500,000; bathhouse - 800,000; garage - 300,000; fence - 150,000. |
30 520
|
| "Policy without inspection" |
house - 500,000; movement property - 50,000; bathhouse - 250,000; utility block - 50,000. |
6 480
|
|
| "Brownie-Preferential" |
apartment design - 1,500,000; finishing - 300,000; movement property - 300,000; |
3 000
|
|
| "Brownie-Economy" |
apartment design - 3,000,000; finishing - 450,000; movement property - 300,000; citizen liability - 300,000. |
6 000
|
|
| "Brownie-Express" |
apartment design - 7,000,000; finishing - 700,000; movement property - 600,000; citizen liability - 1,200,000. |
9 800
|
|
| "Brownie-Premium" |
apartment design - 10,000,000; finishing - 1,200,000; movement property - 1,000,000; citizen liability - 1,700,000. |
17 000
|
Let's consider which insurance company is better to insure your real estate. Today there is large number SK, each of which offers its own package of services. These include:
Every citizen can insure their home with the following trusted companies:
- AlfaInsurance.
- Alliance (ROSNO).
- RESO-Garantiya.
- SOGAZ.
Where is the best place to get home insurance under different conditions?
Within the city
Companies where you can better insure city real estate:
- Alpha.
- Foreign insurance.
- Country.
Country or country
Dacha plots are most often concentrated far from a developed system of fire stations and police stations. The fact is that such houses are most often endangered. Where is the best place to insure a house in the village?
The following companies offer policies:
We wrote about insurance of country houses in.
Unfinished
It is not always possible to build a house in a short time. The construction process of a facility may be slowed down during cold weather, due to lack of money or for other reasons. To protect your already invested finances, you should use the services of the following insurance companies:
- INSONE.
- Ingosstrakh.
- Renaissance insurance.
It talks about insuring an unfinished house.
Various options
Rosgosstrakh
This company is one of the oldest in the Russian Federation engaged in real estate insurance.
It offers its clients two programs:
As an additional bonus, the two programs include the opportunity to insure not only the house, but also the property located inside the building. This even includes engineering and other communications.
Read about insurance of private houses in Rosgosstrakh.
VTB Insurance (home custodian)
This company has developed the following insurance programs for its clients:
- "Hello, neighbor!"— for property and apartment insurance.
- "Home Advantage"— for insurance of country houses.
- "Advantage for the apartment» - for apartment insurance.
- "Advantage for furniture"— for furniture insurance.
VSK Insurance House
The company works on financial market 25 years old. Insures houses, apartments and other residential real estate.
The company can offer the following programs to its clients:
RESO-Garantiya
The company has been operating in the financial market for 25 years. She offers her clients insurance for apartments, cottages, houses against fire and flooding. The Domostroy program remains very popular. It provides for the following risk packages:
- Premium
- Express.
- Economy
- Preferential.
Rules of the Reso Dom program provide protection for country buildings and dachas land plots and apartments.
For example, if you insure a house for 6.5 million rubles, then the insurance will be 19.6 thousand rubles, and insurance of a fence for 150 thousand rubles will be 600 rubles.
SOGAZ
This company belongs to the universal insurers at the federal level. The key home insurance package includes the following risks:
In addition, the following risks are an additional bonus:
- broken glass;
- radiation exposure;
- breakdowns.
Important! SOGAZ provides insurance only if the insurance amount in terms of volume is above 60 thousand rubles and not higher than 3.5 million rubles.
Alpha insurance
This company has worked on the market for about 10 years. It is one of the top five leaders in the open insurance market.
Alfa Insurance provides clients with the following popular programs:
- Repair insurance.
- Protecting neighbors.
- “Even a flood” (a comprehensive package of risks - valuables, repairs, finishing, civil liability).
- Calm.
This company is popular due to its fast payment of insurance claims, and you can also apply for a policy online.
Ingosstrakh
The company has been in the financing market for 70 years. You can insure property with Ingosstrakh using 20 insurance programs. Some of them can be highlighted:
- Platinum – full package, valid from 3 months.
- Vacation pay is a short-term policy.
- Freedom.
- Express – economical insurance.
Representative offices exist in countries near and far abroad.
Max
The company has been operating in the insurance market for 25 years. It offers numerous options for home and apartment insurance. There are payment restrictions for elements " load-bearing structures", "finishing".
The company offers clients wishing to insure real estate to use the following programs:
- House. The basic set includes the following risks: gas explosion, lightning strike, falling aircraft, vehicle entry. The extended package contains the following risks: flood, natural disasters, attacks by third parties.
- Apartment. The company insures the following risks: fire, gas explosion, flood, natural disasters, force majeure, illegal actions.
Sberbank
This bank is the largest in the Russian Federation. The state-owned company provides various insurance services for houses and apartments. Main.
Where is the best place to go?
Today, for home insurance, people are increasingly turning to a company such as VTB 24. This company has been operating on the market for 15 years. Its offices are located in 114 cities of the Russian Federation. The financial stability of the company is confirmed by reputable rating agencies, own funds firms amount to 12 billion rubles.
VTB Insurance is always responsible for all obligations assumed and this is one of the main advantages for purchasing a policy. According to the rating of the EXPERT RA agency, the company belongs to the A++ reliability category (the highest high level reliability).
In fact, today it is quite difficult to choose the right one insurance company. The reason is their wide variety. But it is best to trust trusted insurers who already have sufficient experience and have never let their clients down.
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