Features of property insurance for individuals in the reso. Property insurance in Reso-garantiya Reso house insurance

The insurance company "RESO-Garantia" has been carrying out insurance activities for more than 25 years and is one of the leaders in the 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;
• payment of 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 of 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, fences;
• 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.

The insurance company SPAO "RESO-Garantia" allows you to insure the following types of objects:

• elements related to the interior decoration of the apartment, including all types of repair work, as well as built-in furniture;
• technical and engineering equipment;
• structural elements, including heating and gas supply systems, except for interior and other spatial structures;
• household items and personal property of the residents of the house, including all equipment in the apartment;
• landscape design items;
• land plots (except vegetation);
• other items and elements provided for in the insurance contract.

REFERENCE: in exceptional cases, the policy may include protection of valuables, antiques and other expensive objects, at the discretion of the Insurer (the presence of non-standard objects of insurance protection increases the cost of the policy up to 30%).

Types of programs

SPAO "RESO-Garantiya" offers several options for apartment insurance:

1. "Brownie"– a classic version of property insurance protection with a standard set of risks. At the request of clients, protection against terrorism can be included in the policy. The cost of the policy will be lower if buyers already have a valid insurance contract (are signing up for an extension) of the apartment or are clients for other types of insurance services.
2. "Premium"– a package of insurance services with an increased cost of insurance coverage. The amount of coverage is fixed - 17 and 35 thousand rubles. Insurance is valid throughout the Russian Federation.
3. "Express"– standard level insurance at a reduced cost. The insurance premium amounts are 9.8 and 7.5 thousand rubles.
4. "Economy"» – a package optimal for residents of all regions (except Moscow and the region). 4.5 thousand rubles are enough for registration. For Moscow residents the cost will be 6 thousand rubles.
5. "Preferential"– insurance, including protection of decoration, structure, movable property and civil liability. The cost of the policy is 3 thousand rubles.

Design algorithm

A detailed algorithm for concluding an insurance contract will reduce the time of policy buyers and allow them to avoid mistakes when selecting an insurance product.

Purchase in the office

When purchasing a policy, the client has the opportunity to choose the best option for purchasing the service - a visit to the manager at the nearest office of SPAO "RESO-Garantia" (information is presented on the insurer's website).

Package of documents for the transaction

To apply for a policy the policyholder is required to have an identification document confirming the right to an apartment. At the request of the insurer, the list of documents can be expanded and include:

• extract from the state register;
• the right to transfer ownership;
• agreement for rent or purchase and sale of an apartment;
• certificate of registration of ownership.

How to make an application?

The application is made in writing according to the words of the policyholder and can be filled out by his representative upon confirmation of his authority.

In the application, the policyholder fills out a list of objects included in the insurance contract and confirms his powers and property interests. The application is drawn up in legible handwriting and can be restored at the request of the client if it is lost.

The policyholder is responsible for the accuracy of information relating to the subject of insurance. If incorrect or knowingly false information is provided, the insurer has the right to terminate the policy or invalidate it without refunding the paid portion of the insurance premium.

When transferring property to another owner, planning repairs or other work, as well as other cases that significantly affect changes in the terms of the insurance contract, the beneficiary is obliged to notify the insurer no later than the date of expiration of the contract or the occurrence of the insured event.

Peculiarities

The insurance contract is concluded for a period of 1 year and can be extended upon expiration of the specified period. In exceptional cases, the insurance period may be changed. The policyholder is obliged to notify SPAO "RESO-Garantiya" about any changes in ownership and the possibility of insurance risks arising, as well as any circumstances affecting the real estate entity during the policy period.

Submitting papers, obtaining a civil liability policy

1. The conclusion of an insurance contract with SPJSC "RESO-Garantiya" occurs after the insured submits all the required documents, including (if provided for by the terms of the policy) an application from the beneficiary about the desire to purchase the service.
2. After filling out all the documents, the insurer, represented by the company manager, explains to the buyer the features of insurance services and answers the client’s questions.
3. Next, the papers are signed by both parties and the policy is paid for.

REFERENCE: in the offices of SPAO "RESO-Garantiya" clients can pay by bank card.

After fulfilling the obligation to pay the insurance premium, the client is given a contract and copies of documents confirming the conclusion of the insurance service.

Available online information

Unfortunately, There is no opportunity to buy a policy online on the official resource yet, but clients can find out complete information about insurance rates and calculate the approximate cost of insurance on the pages of the website of SPAO "RESO-Garantiya".

Cost calculation, approximate price

The algorithm for calculating the cost of the service is simple:

1. The client goes to the website of SPAO "RESO-Garantiya" http://www.reso.ru and selects the service "For private individuals - Apartment".
2. The page “Insurance of apartments, townhouses” opens. The buyer can choose from various options for the Brownie policy with the possibility of online calculation of premiums and compensation. When you click on any of the tariffs, a detailed description of the service opens. For an approximate calculation, you should select the “Calculate the cost of the policy” item (at the bottom, after opening the main page with information about the product).
3. The page with the calculator allows you to evaluate what risks are available for insurance and how they affect the cost of the policy. At a minimum, a client can purchase insurance in the amount of 100 rubles. (for example, by including only the structural elements of the apartment). When adding any of the objects, the insurance premium increases by at least 100 rubles.

EXAMPLE: the price of the policy for residents of Moscow and Moscow Region with all risks (except terrorism) and 5 objects included (except civil liability) in the amount of 700 thousand rubles. will be 2760 rubles.

Extension of deadlines

The policy renewal occurs at the client's initiative upon expiration of the contract.

The beneficiary has the right to refuse to provide insurance services if the policy is purchased by a third party. The terms of the contract renewal may be changed at the initiative of the insurer at the time of conclusion of the policy.

Offers for regular customers For clients who have an MTPL or CASCO policy from SPAO "RESO-Garantiya", the insurer offers property protection with a discount of up to 50% on services. The offer cannot be combined with other promotions and discounts offered by the insurer for purchasers of policies online and in the company's offices.

Terms of termination

The policy can be terminated at the request of the policyholder at any time, subject to dissatisfaction with the quality of services provided by the insurer. When terminating an insurance contract, the policyholder (or beneficiary) may submit documents confirming the conclusion and existence of an insurance policy, but their absence is not a reason for refusing to terminate the insurance contract.

Upon termination of the contract, the client submits an application for termination of the protection contract with SPAO "RESO-Garantia" and (if possible) attaches previously completed documents. The contract is considered terminated no later than 00:00 of the day following the day of filing the application for termination of insurance services.

Refund procedure

Upon termination of the insurance contract with SPAO "RESO-Garantiya", the insurer has the right to withhold insurance costs in the process of concluding and securing the insurance contract for the period of validity of the policy. Costs are calculated based on the number of days the insurance contract is valid, but not less than 35% of the original insurance premium (subject to termination of the contract within 5 days from the date of registration).

The client chooses the most convenient way to receive funds - in cash or by bank transfer to one of the existing accounts.

Conclusion

SPAO "RESO-Garantiya" represents one of the leaders in the Russian insurance services market. The line of insurance products provides comprehensive protection to apartment owners, offering insurance options according to an individual program. The cost of the policy varies depending on the wishes of the buyer. The insurer offers convenient and modern services - a 24-hour support line, online calculation and purchase of a policy.

Rating: 1 Payout Score: 3

In August 2015, heavy hail occurred on the KMS in particular and in Mineralnye Vody; the size of the hailstones reached the size of a chicken egg, and some hailstones were the size of a tennis ball. My three-story house was insured under the RESO-Dom policy in the amount of 2,050,000 rubles for a mortgage from Sberbank. Policy number SYS911746094. The policy was chosen with the maximum risk package No. 3, which was possible for mortgage insurance. In general, the hail damaged the roof and its structural elements, the drainage system, the cap and lining of the chimney, the roof of the porch canopy, the glazing of the loggia, the cladding of the loggias, the gate of the first floor house, a block glass window, a double wooden window - 3 units.., All repairs inside the house were flooded with water; electrical wiring and wooden floors had to be replaced. In general, everything needs to be replaced except the gate. I collected all the documents, an expert from the insurance company arrived, took photographs of the house from the ground from all sides, and then they said wait.

A couple of times I was invited to the office to sign a preliminary calculation. In general, I called for three months to Moscow, Stavropol and Pyatigorsk asking when you would pay. I remembered all the numbers by heart, since all the specialists are very busy people. When signing the preliminary calculation in Pyatigorsk, I asked why there was so little, there
The amount was 120 thousand, I don’t remember exactly. I call Moscow and find who is taking care of my
business, and I ask him. I say that the roof is damaged and it needs to be completely replaced. I won’t give his last name, but he said that it was necessary to do a second examination due to newly discovered circumstances. They did an inspection and said that they would reschedule using some kind of tables, and that it would turn out much more, since the roof was being completely replaced. Again, I constantly call Moscow, Stavropol, they feed me breakfasts and promises.

In December 2015, I received a payment of 56,271.14 rubles. I call the insurance company and
I’m asking if you made a mistake with the amount, but you over-corrected the amount of the loss. All in all
I am writing a claim to Stavropol addressed to the director and asking him to recalculate the amount of the loss. I receive an answer, do an examination. At the end of December I am ordering an expert
loss estimate that reflects the market value of restoration costs
(repair) of property taking into account wear and tear - RUB 446,697.25. This assessment did not include
hail damage on the wall of the house on the front side of the facing brick,
interior finishing, wooden floors and electrical wiring.

In March, I sent a pre-trial claim with a request to reconsider the unreasonably reduced amount of payment in the amount of 56,271.14 rubles, in case DCH6375525 with a report determining the market value, costs of restoring (repairing) property damage. There is still no answer (04/09/2016), I call Pyatigorsk and ask them to see what is there about my case. In response, the case was closed.

As a result, six months of time and a lot of nerves were lost. Also in December, I asked in writing to issue a copy of the insured event report, asked for a copy of the insurer’s insurance rules, on the basis of which the contract with individual insurance conditions of policy No. SYS911746094 was concluded and what limits of liability for individual elements as a percentage of the insured amount it provides, asked to issue a calculation damage. In response, they made it clear to me that you will not receive anything. No one at RESO could tell me what limits of liability for individual elements of the house as a percentage of the insured amount I am entitled to under my policy. They said what is written in your pole is a standard form and cannot be trusted. Nobody said what exactly this pole insures against
what kind of damage?

As a result, I advise everyone, do not believe in the words of the stories from the insurance company. One gets the impression that RESO is deliberately dragging its feet and harrassing people, hoping that the person will spit on all this disgustingness and will not continue to bother with the insurance company, trying to get at least some adequate payment for the damage.

I no longer hope for a peaceful solution to the problem, and I advise everyone not to believe in stories from RESO that everything will be fine. I wrote this for people who are going to insure their home with a mortgage, so that they don’t make the same mistake as me.

RESO-Garantiya 04/20/2016 9:50

Good afternoon, Oleg Igorevich!

The company’s specialists have once again studied the materials of your payment case.

We would like to draw your attention to the fact that the property insurance policy was issued in accordance with the requirements of the Bank, which is the Beneficiary under this agreement.

The structure of the house (main structure) is insured under the contract. The interior decoration and electrical wiring, the restoration of which you are applying for, were not insured.

Insurance compensation was paid for damage to the roof (roof), as well as windows.

We regret that the payment amount does not meet your expectations. But we remind you that the payment was made in full accordance with the terms of the concluded agreement.