Ddu contract sample. Purchase of an apartment under the Equity Participation Agreement (DSA). The main points of preschool education

A private house belongs to a rather expensive type of property, therefore, in most cases, its insurance is required. Especially valuable given view structure is valuable and expensive for those who independently build a structure, from the foundation to the ridge of the roof.

The insurance procedure allows you to help in unforeseen situations, which include fire, robbery and other critical situations. The existence of insurance allows even to partially compensate for the damage suffered by the owner.

What is allowed to be insured?

Exist several types of insurance, which assumes the possibility of protection from damage to individual parts of the structure. In particular, the owner of a private house has the right to issue a policy for insurance:

• whole house;
• outdoor or indoor finishes;
• existing annexes, which include garages, saunas, guest houses or garden house;
• property on the premises, which includes office equipment, pieces of furniture, other household appliances;
• various life support systems at home, including ventilation, heating, water supply and even video surveillance.

There is also another type of private house insurance, which is called "title"... This means taking out a home insurance policy that is in the use of third parties. This procedure helps to prevent unwanted consequences when committing illegal or incorrectly executed transactions.

The extended conditions that can be specified as the cause of the insured event also include cases of robbery or vandalism. It is also possible to insure the site itselfwhere the residential building is located.

The nuance of private house insurance is the delineation of the concept of " a private house"And" dacha ". Each insurance Company makes a clear division, and offer their own insurance option in different cases.

This is due to the fact that a private house assumes the constant presence of a person, and the owner appears at the dacha seasonally, mainly in summer. That is why insurance suburban area and the buildings located there involves fewer risks.

Nuances when insuring a private house

When taking out insurance for a private house, you should pay attention to a number of nuances that further affect the quality of the service provided:

1. The estimated cost of a residential building... Each private house is individual projectwhat distinguishes this type of property from apartments. Very often when determining the amount insurance policy disputes arise. If the house has just been built, then there are construction estimates, serving as confirmation of the insurance as the amount for which the insurance will be issued;
2. Number of insurance risks... There are several types of insurance risks that have been listed above. It should be borne in mind that the design of a complex package will ultimately be more profitable optionbecause each option separately will be much more expensive than the "wholesale" purchase of an insurance policy;
3. Insurance price. The existing cost of obtaining an insurance policy can be reduced in several cases:
   • finding a house in a guarded cottage community;
   • the presence of a fire service in the immediate vicinity of the location of the house;
   • home equipment with specialized fire alarms;
   • prolongation of the contract, which in the past period did not have any cases of insurance payment;
4. Availability of documents confirming ownership. When issuing an insurance policy, the provision of documents establishing the owner's property is not required. But upon the occurrence of an insured event, the insurer company will definitely require these documents.

Approximate cost of insurance

Final cost of insurance country house is determined by many factors, including the amount of insurance, the object itself and the material of the wall decoration. For simplicity, it is customary to place cost data in tables.

This table shows approximate prices when issuing an insurance policy that includes all types of insurance risks, including fire, damage from a lightning strike, flooding, a domestic gas explosion, unlawful actions of third parties, robbery or burglary.

Types of insurance

There are three major types of property insurance that are suitable for both apartment and village home insurance.

1. Title insurance. This type implies the registration of protection in case of loss of property rights in respect of a residential premises. The insurance company at the stage of concluding the contract without fail checks all the real estate transactions to ensure that the future owner is the sole copyright holder. This is intended to provide the insurer's client with peace of mind and confidence in the future;
2. . This type is a classic type of insurance in the general sense. It involves the registration of an insurance policy against physical damage, which includes flooding, theft, burglary, fire. The cost of fire insurance, the most frequently cited risk, depends on many factors. The average amount that you need to pay when you issue a policy, will be 0.5% of the value of the house in the case of a wooden structure and 0.3% for brick house ... But then the nuances begin. If the house is located in the wilderness, then insurance will automatically rise in price by 10%, the presence of a stove or fireplace will add another 5%... Installing a fire alarm or fire retardant wall treatment will reduce the overall cost of insurance;
3. Life and disability insurance... The type of insurance used for mortgage housing. IN in this case the bank is reinsured and provides repayment of the mortgage loan at the expense of money, which will be paid to the client in the event of a disability.

Where is the best insurance?

It is best to make an insurance policy in a trusted company that has a lot of positive reviews and is reliable. In this case, one should pay attention to the reality of obtaining compensation payment on the part of the insurer, and not the attempt of the latter to bring the case into the category of non-insurance.

When choosing a company, you can advise to pay attention to a number of parameters:

1. The length of time that these services have been on the market. The operating time of a company is one of the determining factors of its reliability and stability. It is desirable if the company was able to survive the crises financial market;
2. Positive reviews... When deciding to evaluate a company based on reviews, it is best to turn to the opinion of friends who can provide an objective picture;
3. Number of insurance programs being issued... Another important point is a large number of various programs, which makes it possible for the client to choose the most convenient and issue the most profitable policy for himself;
4. Insurance cost... You should not trust firms that offer a suspiciously low cost of the policy, while it is also inappropriate to overpay for the policy.

The total cost of insurance usually depends on the price of the property being insured. In particular, insurance wooden house will cost the client a maximum of 1% of real value buildings. Making insurance for a brick house will cost from 0.2 to 0.6% of the real price.

Private real estate insurance in Rosgosstrakh

One of the oldest insurance companies in Russia offers all its clients to use insurance services suburban real estate... At the same time, the insurer offers two different programs for issuing a policy:

1. Rosgosstrakh-dom Active. This program is suitable for concluding an insurance contract for private real estate in the middle price range or very inexpensive buildings. Mainly, the services of this option can be used by summer residents or gardeners who spend only the summer months on their farms, leaving the property unattended the rest of the time;
2. Rosgosstrakh-dom Prestige... Based on the name, we can conclude that this program is intended for registration of a policy for prestigious real estate, which can have an individual design and be located on the territory of guarded suburban settlements.

Among additional bonus both programs have the ability to insure not only the building itself, but also the property located inside, including engineering and other communications.

Insurance when buying a mortgage

A private house, which is the dream of many people, can be purchased on a mortgage basis.

It should be noted right away that banks are very reluctant to provide a mortgage loan for the purchase of a private house, since, unlike a verified apartment, this type of real estate carries a large number of potential risks associated, first of all, with the legislative status of the acquired building.

Among the banks with similar programs: Sberbank, Rosselkhozbank, Metallinvestbank and other major players in the financial market. At the same time, for the purchase of a private house, financial regulators impose much more stringent requirements on the borrower.

In most cases, a deposit is required in the form of a land plot on which the building is located. Also, the disadvantage of the mortgage is the impossibility on the part of the borrower to choose the place where the house will be located.

Insurance of real estate acquired on a mortgage basis is mandatory, which is enshrined in article 31 Federal Law about the mortgage. When receiving a mortgage loan for the purchase of a country house in Sberbank, you will also need to issue an insurance policy.

The whole procedure of insurance purchased by mortgage loan from Sberbank of housing is prescribed when concluding an agreement, while the conditions for obtaining insurance should be interpreted in the direction of the beneficiary. Also, in the absence of pre-agreed conditions, the pledger ensures the payment insurance premium independently by full cost of the acquired property... If the final cost of real estate exceeds the mortgage obligation, then the amount of insurance must be at least the price of the mortgage.

Each bank has its own list of accredited insurers. A similar list of Sberbank is quite impressive and includes such large players insurance marketas SOGAZ, Reso, Renaissance Insurance, Spasskie Vorota Insurance Group, VTB Insurance, AlfaStrakhovanie and many other companies.

Insurance of an unregistered or unfinished private house

Recently, home insurance has gained popularity, at the stage of construction or in the process of registration ... The insurer goes to issue an insurance policy even without presentation, especially since this is not required by law.

The pitfall is difficulties in obtaining insurance payments in the event of an event specified in the policy... In this case, the owner will need documents confirming the ownership. As a rule, insurers refuse to pay out on such policies.

Most often, controversial issues, when issuing a policy for unfinished or unregistered property, are resolved during a court session.

Larger companies may require the owner additional package of documents... With the provision of these documents, the likelihood of payment increases. Most often, the package of additional papers includes a SNT membership card or other document confirming the presence of a site and a structure on the territory of a given village or cooperative. Also required is drawing up a plan, a detailed description of the future structure and the application of photographic evidence.

In case of registration insurance for 1/2 of the house the insurance company can offer more high percent the cost of the policy. This is due to the desire of the insurer to insure against the possibility of having unreliable neighbors who own the second half of the property. If the client can provide the company with guarantees of the reliability of the owner of the second half of the house, then insurance for 1/2 of the house will be compared with the generally accepted interest.

Mortgage insurance

How to reduce costs when choosing insurance for real estate purchased with a mortgage, and is it possible to independently choose an insurer by concluding an agreement with a bank - about this in the video from the Bulletin of Real Estate channel.

By general rulesspecified in the contract, property can be insured not only by the owner of the property, but also by another individual and or legal entity that is interested in the safety of this property. Also, the general rules for insurance of a classic for private houses include the following provisions:

• The policyholder can insure not only the house, but also additional buildings for household purposes, as well as fences, wickets, unfinished buildings, household property and land plot... The main thing is to indicate this in the contract.
• The policyholder can choose the clauses of the contract himself, in which an insured event may occur, that is, he can independently decide what to insure the house against, for example, against fire, burglary, and so on.
• Sum insured for real estate is established by agreement of both parties.
• The cost of the service depends on the number of insured events specified in the contract.

Requirements

For those who are going to insure a home for the first time, it is important to know the criteria that the company imposes on the insured and private real estate.

To the applicant

Any person who has reached the age of 18 can become the insurer of a private house. It is not even necessary that he is the owner of the property. It is only important that he has documents for the building in his hands.Besides individuals, applicants may be legal entities or individual entrepreneurs.

To real estate

Rosgosstrakh insures private houses that meet the following criteria:

• depreciation of real estate does not exceed 75%;
• the house should not require major repairs;
• the house should not be in the emergency zone.

Tariffs and factors affecting the cost of the service

How much does it cost to insure a house? The exact price for insurance of a private house can be found out only when drawing up a contract, as it depends on many reasons.

Such factors, on which the cost of the service depends, include the characteristics and prices of the real estate itself, as well as the list of risks against which it is insured. For customer convenience there is a special calculator on the Rosgosstrakh website, with which you can find out the approximate cost.

If the applicant has chosen the minimum tariff, which is most often characterized by low interest rates and a simplified registration procedure, then the amount of payment, in the event of an insured event, will also be small. The higher the cost of the tariff, the large amount the insurance will pay to the applicant.

In Rosgosstrakh the maximum cost of insuring a residential building can reach 1.5% of the price of the property to be insured... Also, the client can be offered an installment plan, in which the first part of the cost of services is paid at the conclusion of the contract, and the second - after a few months.

The company can provide a discount if the applicant insures more than one property at the same time.

Various programs

For 2017, Rosgosstrakh has two variants of the private house insurance program, namely Dom Aktiv and Dom Prestige. For a more complete picture, you need to consider these proposals

"House Active"

This program is designed specifically for real estate insurance that has an average or low market value... Such a product is characterized by fast processing, since the client is not required to fill out an insurance application. For this type of insurance program, the applicant can insure wooden house, outbuildings, building decoration, as well as home property. The term of the agreement "Dom Aktiv" is 1 year.

"House Prestige"

This offer applies to high price category houses. The cost of services with such insurance is more expensive, but the payment in the event of an insured event is also much higher. Clients wishing to conclude such an agreement are offered flexible insurance conditions for each object.

Applicant may include in the contract not only internal property, but also external equipment, as well as landscape design of the site where the insured property is located. In addition, the policyholder can also insure expensive property in the house, such as antiques and so on.

Step-by-step instruction

Competent selection of the program

The choice of the program is very important for the insurance to be profitable. Therefore, before concluding a contract, you need to decide which of the two proposals is suitable in a particular case. This solution is best illustrated with an example.

For example: The owner of a private house needs to insure the house against a fire in the village. In this case, he needs to analyze the cost of this housing and the property available there. If the house is a summer cottage, and there is no wealth inside it, and there are no unique buildings on the site, then it is best to choose the "House Active" program. It allows you to insure the house against fire and other major insurance events and at the same time has a low cost.

If the house is the main place of residence and belongs to valuable real estate, then it is better to insure it under the House Prestige program. This product also includes fire insurance., but under this program the package of insurance claims can be significantly expanded. Although such a program is quite expensive, but on the other hand insurance payment can cover the damage.

Preparation of papers

The home insurance package must include the following documentation:

1. applicant's passport or legal entity registration document;
2. certificate of ownership or use of the insured property, for example, a power of attorney for conclusion insurance contract;
3. property appraisal report or other documentation that enables the company to establish the value of the home.

In some cases, the company itself can assess the property or even insure the house without it.

Application submission

This step can be skipped for those who are going to conclude an agreement with the company "Dom Aktiv", since for this program, quick registration is available without concluding an agreement. But for the program "House Prestige" you need to write an application.

In this case, no difficulty should arise, since employees of the insurance company help their clients in filling out the application... On a special form, you must indicate the name of the applicant, the address of the house, insured eventscovered by the insurance, as well as the property that needs to be insured.

Conclusion of a contract

The final stage is the conclusion of an agreement with the company. This document spells out all the provisions of the insurance, so the applicant must carefully read each clause of the contract.

Particular attention should be paid to whether it contains additional insured events to which the policyholder does not agree. Also, when reading the contract, you need to study the points about why the applicant may be denied payment.

If you find errors and points with which the applicant does not agree, you need to point them out to the employee of the organization so that he redo the contract.

After signing the contract, the second copy must remain in the hands of the policyholder.

Contract extension

Upon expiration of the term of the insurance contract, the applicant can apply for an extension of the contract. Moreover, if the policyholder does not want to change the conditions, then the application does not need to be written. In some cases, the company may ask for papers for a new property assessment or to assess the depreciation of the building itself. If the conditions change, the contract will need to be drawn up again.

Rosgosstrakh is chosen by a huge number of people. This can be explained by the huge choice of insurance programs and the reliability of the organization. This organization has also proven itself in private house insurance, the nuances of which were described above.

Offers some of the most favorable conditions to protect residential buildings from potential fires. Well-thought-out conditions make it possible to count on the elimination of any property and financial risks even in the event of a house fire.

Standard and individual insurance programs are created taking into account the interests of home owners. By choosing suitable option, potential risks can be thought through and documented. In the future, the terms of the current contract should be observed to maintain the possibility of obtaining financial aid after the insured event.

What coverage may be covered

When deciding to insure a house against fire in Rosgosstrakh, it is allowed to issue a policy for, calculated only for seasonal residence, for country cottage or a residential building located within the city. When taking out insurance, it is allowed to protect not only existing objects, but also finishing materials, engineering equipment, acquired property, garden equipment. The maximum expansion of coverage becomes available when issuing an individual policy, where the company's client has the right to independently list all the property in need of protection.

Fire insurance protects not only private cottage, but also other objects located on the land:

• garden houses designed for year-round and seasonal living;
• greenhouses for growing plants;
• winter gardens;
• gazebos;
• baths;
• sheds;
• garages;
• summer kitchens;
• outbuildings.

The main task is to list all objects in the agreement being drawn up, which will further determine the coverage. Based on the terms of the current agreement, the cost of providing services by Rosgosstrakh is determined. Usually, the annual cost of an insurance policy varies between 1,750 - 6,750 rubles.

A quick overview of the available products

Rosgosstrakh offers three product options: Fixed asset, Individual asset, Prestige. Current programs differ among themselves in the degree of protection of residential real estate, and therefore in the cost of services.

Fixed asset is a program that includes a minimum list of risks. The proposed ready samples policies are usually concluded for one year, but insurance can be extended if necessary. Provides a minimum financial payment in the event of a housing fire, but at the same time the cost available services also significantly decreases. For example, for a one-room apartment in Moscow, the policy will cost 3,240 rubles per year, if an insurance payment of 200 thousand rubles is provided. If you plan to insure a private house, you should take care of the additional payment.

"Individual asset" expands the list of property that is covered when the policy is valid in case of fire. The client of Rosgosstrakh has the right to independently determine all objects that need protection, taking into account personal financial capabilities.

"Prestige" is a program that allows you to protect even expensive property and collections of valuable substances. Choosing this product, you can count on any insurance period and the possibility of choosing the available risks from those offered. Any restrictions are excluded, so the level of protection is maximized. However, the cost of the services provided will be the most expensive.

Another option for classic insurance products is the possibility of using the assistance provided by the municipality. It is assumed that the coverage of the policy will include interior decoration, as well as structural elements of housing. Rosgosstrakh is one of the largest insurers, therefore representatives target audience has the right to carefully study all the proposals and make the right decision regarding the registration of the current policy.

Features of pricing policy and solving financial issues

Calculated on an individual basis. If a client of the company chooses an individual product instead of a standard one, it is necessary to detail the object and take into account the wishes of the insured.

Before insuring a house against fire in Rosgosstrakh, it is better to use the calculator on the company's official website. The virtual calculator will allow you to preliminary calculations and navigate the cost of policies. However, the final information will become known only after consultation with a specialist and the exact determination of the coverage. The insured amount is determined only by agreement of the two parties, but at the same time, one should focus on market value... In this regard, you should take care of the inspection of the house by an expert of the insurer or an independent expert, having previously agreed on an event with Rosgosstrakh.

Insurance premiums, the amount of which is determined by documents, are collected every month. If there are constant delays and non-fulfillment of the agreed conditions, the policy will become invalid.

To save money when taking out insurance, it is recommended to submit, since this method allows you to reduce payments. Choosing a standard policy provides for a limited amount of financial assistance after a fire, but at the same time, savings are guaranteed when obtaining an insurance policy.

How to act in case of an insured event

If a fire does occur, Rosgosstrakh employees should be notified of the incident within one working day. You should also take care of providing the following package of documents:

• a valid passport to confirm the identity of the victim;
• insurance documents confirming the existing cooperation of a citizen with Rosgosstrakh: the original of the policy and the current contract, all attachments;
• payment receipts confirming compliance with all financial obligations;
• a written statement on the need to provide financial assistance;
• documents confirming property rights to certain housing;
• a certified copy of the decision regarding the initiation or rejection of a criminal case, taking into account the circumstances that are the cause of the housing fire ( this document required in case of fire, which can occur for various reasons).

The provision of an established package of documents is only one of the main conditions. In the event of a fire, it is imperative to inform the employees of the OGPN about the incident, which also complies with the current legislation of the Russian Federation. To carry out an assessment measure and determine the exact amount of compensation required, a picture of the event should be saved before the arrival of Rosgosstrakh employees, who must be notified promptly. Only the fulfillment of all the conditions guarantees the possibility of obtaining financial assistance under the current policy.