[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.flexit.cz\/jak-nejvyhodneji-pojistit-dum-a-byt-dulezita-je-take-prevence\/#Article","mainEntityOfPage":"https:\/\/www.flexit.cz\/jak-nejvyhodneji-pojistit-dum-a-byt-dulezita-je-take-prevence\/","headline":"Jak nejv\u00fdhodn\u011bji pojistit d\u016fm a byt? D\u016fle\u017eit\u00e1 je tak\u00e9 prevence","name":"Jak nejv\u00fdhodn\u011bji pojistit d\u016fm a byt? D\u016fle\u017eit\u00e1 je tak\u00e9 prevence","description":"Jin\u00e1 rizika se tak\u00e9 t\u00fdkaj\u00ed dom\u016f a byt\u016f v povod\u0148ov\u00fdch lokalit\u00e1ch nebo v m\u00edstech, kde \u010dasto doch\u00e1z\u00ed ke st\u0159ih\u016fm v\u011btru a k extr\u00e9mn\u00edmu proud\u011bn\u00ed vzduchu. N\u011bkter\u00e9 konstrukce dom\u016f, zejm\u00e9na st\u0159e\u0161n\u00ed krytiny, jsou v\u016f\u010di v\u011btru odoln\u011bj\u0161\u00ed, n\u011bkter\u00e9 t\u00e9m\u011b\u0159 v\u016fbec. Co se t\u00fd\u010de rizika po\u017e\u00e1ru, p\u0159edch\u00e1zet se jim d\u00e1 nov\u00fdmi rozvody elekt\u0159iny v m\u011bdi, nov\u00fdmi spot\u0159ebi\u010di a u plynov\u00fdch spot\u0159ebi\u010d\u016f – […]","datePublished":"2023-05-05","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.flexit.cz\/author\/#Person","name":"flexit.cz","url":"https:\/\/www.flexit.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/68b3ed45b3ae6ecdad6bfa25b4077e93536d7764172b2830acbdb661d7242512?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/68b3ed45b3ae6ecdad6bfa25b4077e93536d7764172b2830acbdb661d7242512?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"flexit.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.flexit.cz\/wp-content\/uploads\/img_a308388_w2450_t1519471425.jpg","url":"https:\/\/www.flexit.cz\/wp-content\/uploads\/img_a308388_w2450_t1519471425.jpg","height":0,"width":0},"url":"https:\/\/www.flexit.cz\/jak-nejvyhodneji-pojistit-dum-a-byt-dulezita-je-take-prevence\/","about":["Ekonomika"],"wordCount":427,"articleBody":"Jin\u00e1 rizika se tak\u00e9 t\u00fdkaj\u00ed dom\u016f a byt\u016f v povod\u0148ov\u00fdch lokalit\u00e1ch nebo v m\u00edstech, kde \u010dasto doch\u00e1z\u00ed ke st\u0159ih\u016fm v\u011btru a k extr\u00e9mn\u00edmu proud\u011bn\u00ed vzduchu. N\u011bkter\u00e9 konstrukce dom\u016f, zejm\u00e9na st\u0159e\u0161n\u00ed krytiny, jsou v\u016f\u010di v\u011btru odoln\u011bj\u0161\u00ed, n\u011bkter\u00e9 t\u00e9m\u011b\u0159 v\u016fbec.Co se t\u00fd\u010de rizika po\u017e\u00e1ru, p\u0159edch\u00e1zet se jim d\u00e1 nov\u00fdmi rozvody elekt\u0159iny v m\u011bdi, nov\u00fdmi spot\u0159ebi\u010di a u plynov\u00fdch spot\u0159ebi\u010d\u016f – kotl\u016f, karmy a spor\u00e1k\u016f je nutn\u00e1 pravideln\u00e1 revize. Revize se tak\u00e9 t\u00fdk\u00e1 kom\u00ednov\u00fdch pr\u016fduch\u016f a odvodu spalin. Preventivn\u00ed opat\u0159en\u00ed jsou v\u017edy \u00fa\u010dinn\u011bj\u0161\u00ed ne\u017e zanedb\u00e1v\u00e1n\u00ed technick\u00e9ho stavu vybaven\u00ed dom\u00e1cnosti, p\u0159esto se ur\u010dit\u00e9mu riziku zabr\u00e1nit ned\u00e1.Je\u0161t\u011b ne\u017e pojistnou smlouvu podep\u00ed\u0161ete, seznamte se podrobn\u011b s podm\u00ednkami v n\u00ed uveden\u00fdmi. Od v\u011bci nen\u00ed zap\u016fj\u010den\u00ed vzoru pojistn\u00e9 smlouvy a s dostate\u010dn\u00fdm p\u0159edstihem jej\u00ed prostudov\u00e1n\u00ed. V pojistn\u00e9 smlouv\u011b b\u00fdv\u00e1 zakotvena \u0159ada v\u00fdjimek a v\u00fdluk a tomuto odstavci ve smlouv\u011b v\u011bnujte nejv\u011bt\u0161\u00ed pozornost.\tSt\u0159echu nad hlavou si nechte pojistit na novou hodnotuN\u011bkter\u00e1 poji\u0161t\u011bn\u00ed nemovitost\u00ed nezohled\u0148uj\u00ed tr\u017en\u00ed cenu objekt\u016f, pouze se zam\u011b\u0159uj\u00ed na tzv. m\u011bstskou nebo obecn\u00ed kategorii (velikost s\u00eddla podle po\u010dtu obyvatel). Tr\u017en\u00ed cena pak nemus\u00ed odpov\u00eddat pojistn\u00e9mu pln\u011bn\u00ed. Pro tyto p\u0159\u00edpady n\u011bkter\u00e9 poji\u0161\u0165ovny nab\u00edz\u00ed \u0159e\u0161en\u00ed poji\u0161t\u011bn\u00ed nemovitosti na cenu, kterou stanov\u00ed odhadce. Nov\u00e1 legislativn\u00ed opat\u0159en\u00ed Ministerstva financ\u00ed ji\u017e tr\u017en\u00ed cenu zohled\u0148uj\u00ed.Objekt, ve kter\u00e9m \u017eijete a jste na n\u011bm existen\u010dn\u011b z\u00e1visl\u00ed, si nechte pojistit na tzv. novou hodnotu, pak budete m\u00edt jistotu, \u017ee v p\u0159\u00edpad\u011b po\u0161kozen\u00ed anebo demolice domu (po\u017e\u00e1r, zem\u011bt\u0159esen\u00ed nebo povode\u0148) si budete moci po\u0159\u00eddit nov\u00e9 bydlen\u00ed p\u0159ibli\u017en\u011b za stejnou \u010d\u00e1stku. U nov\u00e9 hodnoty se nezohled\u0148uje amortizace stavby a poji\u0161\u0165ovna vypl\u00e1c\u00ed v\u017edy p\u016fvodn\u00ed po\u0159izovac\u00ed cenu nemovitosti.Stoj\u00ed-li va\u0161e nemovitost v tzv. rizikov\u00e9m p\u00e1smu, nap\u0159. v bl\u00edzkosti \u0159eky, nedaleko elektr\u00e1rny nebo v\u00fdrobn\u00edho z\u00e1vodu, zvolte takovou poji\u0161\u0165ovnu, kter\u00e1 sni\u017euje sazbu v z\u00e1vislosti na velikosti m\u011bsta, kde se nemovitost nach\u00e1z\u00ed. Tabulkov\u011b pak plat\u00edte ni\u017e\u0161\u00ed pojistn\u00e9.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak nejv\u00fdhodn\u011bji pojistit d\u016fm a byt? D\u016fle\u017eit\u00e1 je tak\u00e9 prevence","item":"https:\/\/www.flexit.cz\/jak-nejvyhodneji-pojistit-dum-a-byt-dulezita-je-take-prevence\/#breadcrumbitem"}]}]