[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.oku-zn.cz\/pojisteni-nemovitosti\/#Article","mainEntityOfPage":"https:\/\/www.oku-zn.cz\/pojisteni-nemovitosti\/","headline":"Poji\u0161t\u011bn\u00ed nemovitosti","name":"Poji\u0161t\u011bn\u00ed nemovitosti","description":"Pokud se nyn\u00ed rozm\u00fd\u0161l\u00edte, zda budete \u017e\u00e1dat o \u00fav\u011br, kde je podm\u00edn\u011bna z\u00e1stava nemovitosti, tak je jej\u00ed poji\u0161t\u011bn\u00ed velmi \u010dast\u00fdm a z\u00e1rove\u0148 nezbytn\u00fdm po\u017eadavkem. Je jedno, jestli budete o \u00fav\u011br \u017e\u00e1dat bankovn\u00ed \u010di nebankovn\u00ed instituci, s nutnost\u00ed poji\u0161t\u011bn\u00ed se setk\u00e1te&hellip;\n <p> <a class=\"more-link\" href=\"https:\/\/www.oku-zn.cz\/pojisteni-nemovitosti\/\">\u010ct\u011bte v\u00edce<\/a><\/p>","datePublished":"2019-06-03","dateModified":"2023-05-22","author":{"@type":"Person","@id":"https:\/\/www.oku-zn.cz\/author\/#Person","name":"","url":"https:\/\/www.oku-zn.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"oku-zn.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.oku-zn.cz\/wp-content\/uploads\/img_a352320_w1723_t1566889126.jpg","url":"https:\/\/www.oku-zn.cz\/wp-content\/uploads\/img_a352320_w1723_t1566889126.jpg","height":0,"width":0},"url":"https:\/\/www.oku-zn.cz\/pojisteni-nemovitosti\/","about":["Internet"],"wordCount":397,"articleBody":"  Pokud se nyn\u00ed rozm\u00fd\u0161l\u00edte, zda budete \u017e\u00e1dat o \u00fav\u011br, kde je podm\u00edn\u011bna z\u00e1stava nemovitosti, tak je jej\u00ed poji\u0161t\u011bn\u00ed velmi \u010dast\u00fdm a z\u00e1rove\u0148 nezbytn\u00fdm po\u017eadavkem. Je jedno, jestli budete o \u00fav\u011br \u017e\u00e1dat bankovn\u00ed \u010di nebankovn\u00ed instituci, s nutnost\u00ed poji\u0161t\u011bn\u00ed se setk\u00e1te u obou. Zpo\u010d\u00e1tku je t\u0159eba si ujasnit, \u017ee se nejedn\u00e1 o poji\u0161t\u011bn\u00ed dom\u00e1cnosti, ale o poji\u0161t\u011bn\u00ed nemovitosti. Tak\u017ee na to pozor. Poji\u0161t\u011bn\u00ed dom\u00e1cnosti se toti\u017e vztahuje na vnit\u0159n\u00ed vybaven\u00ed, kde\u017eto poji\u0161t\u011bn\u00ed nemovitosti F\u00e9rov\u00e1 hypot\u00e9ka jako takov\u00e9 pokr\u00fdv\u00e1 \u0161kody, kter\u00e9 jsou zp\u016fsoben\u00e9 na samotn\u00e9 nemovitosti. Je mo\u017en\u00e9 pojistit jakoukoliv nemovitost, tak\u017ee je jedno, zda se jedn\u00e1 o gar\u00e1\u017e, byt, rodinn\u00fd d\u016fm, chatku \u010di chaloupku. Poji\u0161t\u011bn\u00ed nemovitosti se toti\u017e vztahuje na \u0161kody, kter\u00e9 jsou zap\u0159\u00ed\u010din\u011bny \u017eivelnou pohromou (povode\u0148, krupobit\u00ed, vichr, p\u00e1d strom\u016f\u2026), po\u017e\u00e1rem, v\u00fdbuchem, z\u0159\u00edcen\u00edm letadla nebo t\u0159eba i vandalismem (kr\u00e1de\u017e \u010di vloup\u00e1n\u00ed). Tak\u017ee je pot\u0159eba v\u011bnovat pozornost tomu, na jak\u00e1 rizika je poji\u0161t\u011bn\u00ed uzav\u0159eno. Cena poji\u0161t\u011bn\u00ed se samoz\u0159ejm\u011b li\u0161\u00ed a je stanovena na z\u00e1klad\u011b n\u011bkolika po\u017eadavk\u016f. D\u016fle\u017eit\u00fdmi faktory je celkov\u00fd rozsah pojistn\u00e9ho kryt\u00ed a v\u00fd\u0161e pojistn\u00e9ho pln\u011bn\u00ed. Dal\u0161\u00edm faktorem, kter\u00fd hraje roli je tak\u00e9 lokalita, v\u00fd\u0161e spolu\u00fa\u010dasti klienta. Rozhoduj\u00edc\u00ed je tak\u00e9 to, zda je poji\u0161t\u011bn\u00ed uzav\u0159eno na novou nebo \u010dasovou hodnotu. Nov\u00e1 hodnota p\u0159edstavuje cenu, za kterou by bylo v dan\u00e9m m\u00edst\u011b po\u0159\u00eddit stejnou nebo alespo\u0148 srovnatelnou nemovitost, zat\u00edmco \u010dasov\u00e1 hodnota p\u0159edstavuje cenu, jakou m\u011bla nemovitost t\u011bsn\u011b p\u0159ed pojistnou ud\u00e1lost\u00ed. Proto v t\u00e9to situaci rozhodn\u011b nav\u0161tivte odborn\u00edka, kter\u00fd se v t\u00e9to oblasti pohybuje. Ten v\u00e1m porad\u00ed, jak spr\u00e1vn\u011b pojistit a v\u0161e v\u00e1m p\u0159edb\u011b\u017en\u011b spo\u010d\u00edt\u00e1 v online kalkula\u010dce. Je t\u0159eba je\u0161t\u011b zm\u00ednit, \u017ee se poji\u0161t\u011bn\u00ed vztahuje nejen na obytn\u00e9 budovy, ale tak\u00e9 stavby, kter\u00e9 jsou sou\u010d\u00e1st\u00ed pozemk\u016f nemovitosti, zde se m\u016f\u017ee jednat t\u0159eba o gar\u00e1\u017e, sklen\u00edk, k\u016flnu nebo sklep. M\u016f\u017ee se tedy vztahovat i na rozestav\u011bn\u00e9 stavby.                                                                                                                                                                                                                                                                                                                                                                                         4.2\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Poji\u0161t\u011bn\u00ed nemovitosti","item":"https:\/\/www.oku-zn.cz\/pojisteni-nemovitosti\/#breadcrumbitem"}]}]