[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/pri-vyberu-pojisteni-je-potreba-ridit-se-rozumem\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/pri-vyberu-pojisteni-je-potreba-ridit-se-rozumem\/","headline":"P\u0159i v\u00fdb\u011bru poji\u0161t\u011bn\u00ed je pot\u0159eba \u0159\u00eddit se rozumem","name":"P\u0159i v\u00fdb\u011bru poji\u0161t\u011bn\u00ed je pot\u0159eba \u0159\u00eddit se rozumem","description":"Ur\u010dit\u011b u\u017e se v\u00e1m stalo, \u017ee v\u00e1s n\u011bkdo tak dlouho p\u0159esv\u011bd\u010doval ke koupi n\u011bjak\u00e9 v\u011bci, \u017ee jste nakonec p\u0159ik\u00fdvli. A vz\u00e1p\u011bt\u00ed v\u00e1s to mrzelo, ale u\u017e se to nedalo vz\u00edt zp\u011bt. Jestli\u017ee se jedn\u00e1 o n\u011bjakou malou jednor\u00e1zovou \u010d\u00e1stku, asi si s t\u00edm nikdo dlouho hlavu l\u00e1mat nebude. Jsou ale v\u00fddaje, kter\u00e9 rozhodn\u011b mezi ty &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/pri-vyberu-pojisteni-je-potreba-ridit-se-rozumem\/\"> <span class=\"screen-reader-text\">P\u0159i v\u00fdb\u011bru poji\u0161t\u011bn\u00ed je pot\u0159eba \u0159\u00eddit se rozumem<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2017-08-07","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_a296212_w1997_t1507395113.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a296212_w1997_t1507395113.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/pri-vyberu-pojisteni-je-potreba-ridit-se-rozumem\/","about":["Poji\u0161t\u011bn\u00ed"],"wordCount":438,"articleBody":"\tUr\u010dit\u011b u\u017e se v\u00e1m stalo, \u017ee v\u00e1s n\u011bkdo tak dlouho p\u0159esv\u011bd\u010doval ke koupi n\u011bjak\u00e9 v\u011bci, \u017ee jste nakonec p\u0159ik\u00fdvli. A vz\u00e1p\u011bt\u00ed v\u00e1s to mrzelo, ale u\u017e se to nedalo vz\u00edt zp\u011bt. Jestli\u017ee se jedn\u00e1 o n\u011bjakou malou jednor\u00e1zovou \u010d\u00e1stku, asi si s t\u00edm nikdo dlouho hlavu l\u00e1mat nebude. Jsou ale v\u00fddaje, kter\u00e9 rozhodn\u011b mezi ty drobn\u00e9 nepat\u0159\u00ed. Jsou to nap\u0159\u00edklad platby za pojistku.\t&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; V prv\u00e9 \u0159ad\u011b se rozhodn\u011b nenechte p\u0159emluvit s n\u011bjak\u00e9mu neuv\u00e1\u017een\u00e9mu kroku.\t&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nejprve je pot\u0159eba si v klidu doma promyslet co chci pojistit a proti \u010demu.\t&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Ur\u010dit\u011b bude nesmysln\u00e9 nechat si pojistit d\u016fm proti z\u00e1plav\u00e1m, kdy\u017e nejbli\u017e\u0161\u00ed vodn\u00ed tok je od va\u0161eho domu vzd\u00e1len\u00fd n\u011bkolik des\u00edtek kilometr\u016f, a je\u0161t\u011b k tomu se d\u00e1 p\u0159ekro\u010dit jedn\u00edm krokem.\t\tZe v\u0161eho nejd\u0159\u00edve je t\u0159eba pojistit nemovitost. Jedn\u00e1 se v\u011bt\u0161inou o \u0161kody, kter\u00e9 vzniknou po\u017e\u00e1rem, v\u00fdbuchem plynu, \u00faderem blesku, vich\u0159ic\u00ed nebo krupobit\u00edm. T\u011bmto \u0161kod\u00e1m nen\u00ed dost dob\u0159e mo\u017en\u00e9 jakkoliv p\u0159edej\u00edt a mohou v podstat\u011b postihnout ka\u017ed\u00e9ho. K dal\u0161\u00edm nep\u0159\u00edjemnostem pat\u0159\u00ed ur\u010dit\u011b vloup\u00e1n\u00ed, vandalismus nebo jin\u00e9 nahodil\u00e9 ud\u00e1losti.\tPoji\u0161t\u011bn\u00ed ne\u010dekan\u00fdch ud\u00e1lost\u00edPokud u\u017e m\u00e1me poji\u0161t\u011bnou st\u0159echu nad hlavou, zauva\u017eujeme, jestli by nebylo dobr\u00e9 nechat pojistit i vnit\u0159n\u00ed vybaven\u00ed. K tomu slou\u017e\u00ed poji\u0161t\u011bn\u00ed dom\u00e1cnosti. Rozd\u00edl mezi poji\u0161t\u011bn\u00edm dom\u00e1cnosti a poji\u0161t\u011bn\u00edm nemovitosti je zcela jasn\u00fd.o&nbsp;&nbsp; POJI\u0160T\u011aN\u00cd NEMOVITOSTI &ndash; toto poji\u0161t\u011bn\u00ed kryje pevn\u00e9 sou\u010d\u00e1sti bytu. To, co se prost\u011b ned\u00e1 odn\u00e9st.o&nbsp;&nbsp; POJI\u0160T\u011aN\u00cd DOM\u00c1CNOSTI &ndash; logicky je to to, co se d\u00e1 z bytu nebo domu odn\u00e9st.Mnoho lid\u00ed si dnes po\u0159izuje je\u0161t\u011b jeden druh poji\u0161t\u011bn\u00ed. Lidov\u011b se mu \u0159\u00edk\u00e1 &bdquo;poji\u0161t\u011bn\u00ed na blbost&ldquo;. Toto poji\u0161t\u011bn\u00ed bude kr\u00fdt n\u00e1klady v p\u0159\u00edpad\u011b, \u017ee n\u011bkomu ne\u00famysln\u011b zp\u016fsob\u00edte \u0161kodu. Takov\u00e9 poji\u0161t\u011bn\u00ed se rozhodn\u011b vyplat\u00ed, pokud m\u00e1te pronajat\u00fd byt nebo d\u016fm. Zvl\u00e1\u0161t\u011b v p\u0159\u00edpad\u011b, jestli m\u00e1te nep\u0159\u00edli\u0161 \u0161ikovn\u00e9 ruce, mal\u00e9 d\u011bti nebo nezbedn\u00e9ho dom\u00e1c\u00edho mazl\u00ed\u010dka.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u0159i v\u00fdb\u011bru poji\u0161t\u011bn\u00ed je pot\u0159eba \u0159\u00eddit se rozumem","item":"https:\/\/www.zerba.cz\/pri-vyberu-pojisteni-je-potreba-ridit-se-rozumem\/#breadcrumbitem"}]}]