[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/jak-na-pojisteni-majetku\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/jak-na-pojisteni-majetku\/","headline":"Jak na poji\u0161t\u011bn\u00ed majetku?","name":"Jak na poji\u0161t\u011bn\u00ed majetku?","description":"&#13; Jak vyzr\u00e1t na poji\u0161\u0165ovny, kter\u00e9 v\u011bd\u00ed, jak slov\u00ed\u010dka\u0159it a jak si naj\u00edt n\u011bco, kv\u016fli \u010demu v\u00e1m pojistku nevyplatit? Majetek je ohro\u017een neust\u00e1le, a pokud nechcete, aby se stala n\u011bjak\u00e1 p\u0159\u00edrodn\u00ed nebo i lidsk\u00e1 katastrofa, jedin\u00e1 cesta, jak sv\u016fj majetek stoprocentn\u011b ochr\u00e1nit, je \u017e\u00e1dn\u00fd nevlastnit. Abychom v\u00e1m ale alespo\u0148 m\u00edrn\u011b pomohli, sepsali jsme zde nej\u010dast\u011bj\u0161\u00ed &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/jak-na-pojisteni-majetku\/\"> <span class=\"screen-reader-text\">Jak na poji\u0161t\u011bn\u00ed majetku?<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2016-11-26","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a279267_w1991_t1602747697.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a279267_w1991_t1602747697.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/jak-na-pojisteni-majetku\/","about":["Poji\u0161t\u011bn\u00ed"],"wordCount":408,"articleBody":"&#13; Jak vyzr\u00e1t na poji\u0161\u0165ovny, kter\u00e9 v\u011bd\u00ed, jak slov\u00ed\u010dka\u0159it a jak si naj\u00edt n\u011bco, kv\u016fli \u010demu v\u00e1m pojistku nevyplatit? Majetek je ohro\u017een neust\u00e1le, a pokud nechcete, aby se stala n\u011bjak\u00e1 p\u0159\u00edrodn\u00ed nebo i lidsk\u00e1 katastrofa, jedin\u00e1 cesta, jak sv\u016fj majetek stoprocentn\u011b ochr\u00e1nit, je \u017e\u00e1dn\u00fd nevlastnit. Abychom v\u00e1m ale alespo\u0148 m\u00edrn\u011b pomohli, sepsali jsme zde nej\u010dast\u011bj\u0161\u00ed chyt\u00e1ky, kter\u00e9 poji\u0161\u0165ovny ve sv\u00fdch smlouv\u00e1ch ukr\u00fdvaj\u00ed.&#13; &#13; Nemovitost nemus\u00ed b\u00fdt dom\u00e1cnost &#13; &#8211; Dom\u00e1cnost, to je souhrn ve\u0161ker\u00fdch movit\u00fdch tedy hmatateln\u00fdch a p\u0159em\u00edstiteln\u00fdch v\u011bc\u00ed, kter\u00e9 lze z domu odn\u00e9st. To znamen\u00e1 elektronika, sk\u0159\u00edn\u011b, vybaven\u00ed, n\u00e1bytek, postele a podobn\u011b.&#13; &#13; &#8211; Nemovitost je to, co odn\u00e9st nem\u016f\u017eete; podlahy, zdi, st\u0159echa, ale tak\u00e9 baz\u00e9n zalit\u00fd v zemi a jeho kryt, p\u0159\u00edpadn\u011b kom\u00edn a sklep.&#13; &#13; &#8211; Pakli\u017ee m\u00e1te rodinn\u00fd d\u016fm \u010di vilu, hod\u00ed se si pojistit oboje. Nap\u0159\u00edklad pro p\u0159\u00edpad, \u017ee nastane pohroma a v\u00e1m s domu nez\u016fstane v\u016fbec nic, exteri\u00e9r i interi\u00e9r tot\u00e1ln\u011b zni\u010den\u00fd nebo markantn\u011b po\u0161kozen\u00fd. Nap\u0159\u00edklad p\u0159i vich\u0159ici nebo povodni \u010di z\u00e1plav\u011b, p\u0159\u00edpadn\u011b p\u0159i po\u017e\u00e1ru. V tomto p\u0159\u00edpad\u011b byste od poji\u0161\u0165ovny dostali p\u0159ibli\u017en\u011b dva miliony korun na stavbu nov\u00e9ho domu.&#13; &#13; &#8211; Pakli\u017ee hospoda\u0159\u00edte v byt\u011b, je logick\u00e9 pojistit si dom\u00e1cnost. D\u016fm jako takov\u00fd, a\u0165 u\u017e se jedn\u00e1 o panelov\u00fd d\u016fm nebo \u010din\u017eovn\u00ed \u010di bytovku, zaplat\u00edte spole\u010dn\u011b jako spole\u010denstv\u00ed vlastn\u00edk\u016f p\u0159\u00edpadn\u011b dru\u017estevn\u00edk\u016f, n\u00e1jemn\u00edk\u016f a tak podobn\u011b. Vznikne-li tedy \u0161koda na cel\u00e9m panelov\u00e9m nebo \u010din\u017eovn\u00edm dom\u011b, pojistka p\u016fjde na d\u016fm jako takov\u00fd z poji\u0161t\u011bn\u00ed, kter\u00e9 uzav\u0159eli v\u0161ichni n\u00e1jemn\u00edci spole\u010dn\u011b.&#13; &#13; Z\u00e1plava \u010di povode\u0148? &#13; Jedn\u00e1 se skute\u010dn\u011b o dva pojmy, kter\u00e9 poji\u0161\u0165ovna ani za nic nezam\u011b\u0148uje.&#13; &#8211; Povode\u0148, to je, kdy\u017e se v\u00e1\u0161 d\u016fm nach\u00e1z\u00ed bl\u00edzko vody, kter\u00e1 se p\u0159i povodni vylije z b\u0159eh\u016f, a\u00b4t u\u017e jde o vodn\u00ed n\u00e1dr\u017e, \u0159eku nebo t\u0159eba jezero.&#13; &#8211; Z\u00e1plava, to jsou pr\u016ftr\u017ee mra\u010den, nekone\u010dn\u00e9 provazce de\u0161t\u011b, kter\u00e9 zvednou t\u0159eba zemn\u00ed vody, a ty potom klesnou.&#13; Nejl\u00e9pe je pojistit se proti oboj\u00edmu.&#13;                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak na poji\u0161t\u011bn\u00ed majetku?","item":"https:\/\/www.zerba.cz\/jak-na-pojisteni-majetku\/#breadcrumbitem"}]}]