Check the property insurance policy reso guarantee. Calculation of property insurance in Reso Guarantee

When insuring property in Reso, each client is guaranteed a high level of service and, most importantly, prompt compensation for damage with payment amounts corresponding to losses. We can say with confidence that this company has long established itself as a reliable and conscientious insurer and defender of the interests of its clients. Almost every citizen of our country has at least once encountered unforeseen situations in which their property was damaged. This happens especially often if he lives in an apartment building. These include leaking pipes, failure of household appliances or damage due to faulty wiring, and much more. In Reso, property insurance is one of the main activities, and the team of this company has developed several programs focused on various types of risks and customer needs.

Apartment insurance Reso

The need to insure an apartment in Reso and various risks associated with its operation, purchase or rental has been relevant for the last few years. In addition, in the case of purchasing housing using a mortgage loan, this is a mandatory condition. For this category of policyholders, the company has developed several programs that make it possible to reliably protect risks associated with the life and health of the borrower, loss of property rights and damage to property.
By contacting the Rustrakhovaniye insurance broker, you are guaranteed to receive a detailed analysis of all programs with emphasis placed on the most important points. This will allow you to choose the insurance conditions that are most suitable and meet your requirements.

The Resogarant company appeared on the insurance market in 1991. It was then that the boom in the creation of private companies began, because the USSR with its state economy was already practically disintegrating and new forms of management were emerging.

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The company has constantly developed and expanded the range of services it provides for legal entities and individuals. Today, the company with a 26-year history of success is considered one of the most stable in Russia. Over the course of its existence, it has become an international corporation: insurance companies are represented in Belarus, Armenia and Kazakhstan.

The range of services provided is extremely wide (more than 100 products).

The main areas of insurance activity are:

• property insurance for individuals and legal entities;
• insurance for tourists going on a long journey;
• health insurance;
• CASCO and OSAGO for all Russian motorists;
• life and health insurance of citizens.

The company has repeatedly become a laureate of Russian recognition awards among insurance companies, received other prizes for its merits and good offers for clients. The reputation of IC "Reso" is impeccable, because there have never been delays in paying insurance compensation to clients.

Products

The Reso company is mainly engaged in insuring real estate of citizens of the Russian Federation. Let's take a closer look at how cottages and houses are insured.

The list of insured events that are provided for by the norms of the company’s insurance contracts includes:

• emergency situations (lightning strike, domestic gas explosion);
• fire;
• natural disasters;
• flooding, consequences of rainfall;
• illegal actions of third parties, robberies, burglaries;
• consequences of an accident.

There are several options for insuring houses and summer cottages (depending on the list of insurance risks, the consequences of which are compensated by insurers):

In the area of ​​home and garden insurance, the company has developed several software products. Among them is the Resodom insurance policy.

Under this program you can insure:

• dachas, garden houses;
• cottages outside the city;
• fences;
• utility rooms in the yard;
• bath rooms;
• fences and fences.

• select a risk package (for example, No. 3);
• We note (or not) the possibility of insurance against terrorist attacks;
• write down the name of the region in which the property is located (for example, Kemerovo region);
• we indicate the objects of insurance (the main building with an estimated value of 100,000 rubles, outbuildings with an estimated value of 15,000 rubles);
• we specify the features of the house and living conditions (we put marks. Let’s say the client wants to insure a brick house);
• set the deductible amount (optional).

The insured amount will be approximately 483 rubles.

It is also possible to issue a product called “Policy without inspection”. What is its essence? To obtain insurance, there is no need to visit the Reso insurance agent to the location of the property.

Other benefits of insurance are:

• It is possible to obtain protection for three buildings located at the same address. It is important to take into account that the cost of each building cannot exceed 1,000,000 rubles;
• The policy period will begin 7 days after the document is issued;
• the insurance company will only allow you to complete the contract if you provide 2 photographs;
• It is possible to obtain home insurance online without visiting the company’s office.

To insure apartments, the company offers to take out a “Brownie” insurance policy (there are 4 types).

You can insure the following:

• apartment designs;
• finishing;
• engineering and technical equipment and movable property located inside the insured real estate;
• health and life of persons who live in the apartment;
• civil liability to neighbors for harm caused to them.

The company offers powerful protection against such risks:

• man-made accidents;
• natural disasters;
• actions of third parties with the aim of causing damage to structures or property of the owners;
• falling objects or collision with vehicles (for example, the apartment is located on the ground floor near the roadway).

Now let's look at the conditions of each package in more detail, because there are differences among them.

So, the “Brownie Preferential” program provides the opportunity to insure:

• apartment structures with an area of ​​no more than 100 square meters with coatings up to 1,500,000 rubles;
• finishing and interior doors for no more than 300,000 rubles;
• property of the owners and technical systems of the apartment (up to 300,000 rubles);
• civil liability to neighbors.

The insurance premium will be 3,000 rubles per year.

The House Economy package provides the possibility of insuring the same elements, but there are some differences:

• the amount of insurance coverage for apartment structures has been increased to 2,100,000 (outside Moscow) and 3,000,000 rubles;
• the insurance limit for finishing elements has been increased to 450,000 Russian rubles;
• the cost of the policy will be 4500 or 6000 rubles.

The House Express policy offers the company's clients a choice of design options and, accordingly, coverage amounts.

In the first option there is an opportunity:

• insure the structures of an apartment with an area of ​​up to 120 square meters with coverage of up to 7,000,000 rubles;
• finishing elements worth up to 700,000 rubles;
• technical systems and property of citizens with guaranteed coverage of up to 600,000 Russian money;
• liability to neighbors is covered up to 1,200,000 rubles.

The price of this insurance option is 9800 rubles.

The second option provides for slightly reduced amounts of risk insurance coverage:

• no more than 5,000,000 (structures);
• up to 500,000 (finishing, doors);
• maximum 450,000 in case of damage to property and technical systems of the apartment;
• civil liability is insured for up to 600,000 rubles.

The Reso company offers the most favorable conditions to its own clients as part of the Domovoy Premium service package.

Again, the client can choose one of two interesting options for receiving insurance compensation. Option #1 is:

• insurance of structures without area limitation with compensation up to 15,000,000 rubles;
• risk insurance for finishing surfaces with damage coverage in the amount of up to 2,000,000;
• protection of technical systems and property (movable) of apartment residents in the amount of up to 1,500,000;
• civil liability insurance for neighbors on the floor and below with coverage up to 3,000,000 rubles.

The cost of such a policy is 35,000 rubles per year.

Option No. 2 provides for the protection of the same elements of the apartment and payment of civil liability with the following reservations:

• the area of ​​insured structures cannot exceed 150 square meters, and the amount of coverage is 10,000,000;
• the maximum compensation for damage caused to the finishing cannot be more than 1,200,000;
• liability to neighbors is covered by a maximum amount of 1,700,000;
• if something happened to the property or technical systems of the apartment, the owner will receive a maximum of 1,000,000 as compensation.

The cost of purchasing such a policy is 27,000 rubles.

Rules

It is impossible to list all the insurance rules in a short article. Let's mention just a few of them:

1. The list of insurance risks is specified in the insurance contract and is exhaustive, therefore the policyholder has no right to claim compensation for any other reasons.
2. The validity period of any policy is 1 year.
3. The company issues insurance for objects located exclusively on the territory of the Russian Federation.
4. The contract is concluded only if all necessary documents are provided.
5. The coverage area of ​​a specific policy is specified in the contract.
6. The insurance contract loses legal force in the following cases:
   • full fulfillment of obligations;
   • expiration of its validity period;
   • liquidation of an insurance company;
   • death of the person who insured the property;
   • by mutual desire;
   • in case of recognition of the invalidity of the contract;
7. The maximum amounts of insurance compensation established in the text of the contract for specific objects are conditional. The amount of specific compensation is established based on the severity of the harm and the destructiveness of the consequences of the incident in the apartment.

How to obtain real estate insurance for individuals in RESO

To draw up an insurance contract you must:

• contact the company office;
• submit an application for an insurance policy online.

Further actions can develop as follows:

• the policy will be issued automatically after providing 2 photos of the object by email (private home insurance program “Policy without inspection”) and sent to the specified postal address after payment of the insurance premium is received in the company’s bank account;
• An insurance inspector will go to the specified address of the property to assess the property.

After completing the assessment activities, the policyholder will have to prepare a package of documents and visit the company’s office to sign the contract and receive the policy.

Required documents

To conclude an insurance contract you will need:

• compose, which is located on the object;
• to write an application;
• draw up a list of property that is insured, indicating the main technical characteristics of each part and cost;
• provide documents confirming ownership of the apartment and property (exchange agreement or certificate of inheritance, social tenancy agreement, agreements, acts or invoices for the acquisition of property (if any));
• provide a floor plan and other technical documents for the apartment (house);
• passport and identification code of the policyholder;
• a certificate with a list of people living in the apartment.

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.

You can insure not only the health and life of the policyholder, but also his property. RESO-Garantiya is an insurer that, based on the individual needs of the client, provides insurance for any type of property. The company insures houses on plots, apartments, as well as mortgaged property. Each type of property has its own insurance nuances and a set of insured events. Learn more about RESO insurance.

An apartment in an apartment building is always a neighborhood with other residents. Often, due to the negligence of one resident, the owners, as well as the property of other apartments, suffer. RESO-Garantiya offers clients insurance that covers not only repair costs in the event of an insured event, but also compensation for the costs of neighbors who suffered due to the fault of the policyholder.

Home insurance from RESO-Garantiya in an apartment building is presented in six types of offers.

Insurance policy "Brownie"

This is a type of property insurance in which the client has the opportunity to choose the objects of insurance, as well as the insured amount.

The list of insurance areas includes:

1. Apartment design.
2. Finishing.
3. Technical equipment.
4. Movable property.
5. Civil responsibility.
6. Life or health of apartment residents.

This is a universal policy that allows you to combine areas of insurance, as well as payment amounts.

Real estate insurance "Domovoy-Premium"

The insurance policy includes a full range of property insurance services and is presented in two sentences: A and B. It insures the structure of the apartment, movable property, decoration and civil liability.

Option "Brownie-Premium" A more expensive: its cost varies from 27,000 to 35,000 rubles, depending on the availability of a franchise. The total amount of insurance payment is up to 21,500,000 rubles.

Option B assumes that the construction period of the apartment building is no earlier than 1930, and the area of ​​the premises is no more than 150 m2. The maximum amount of compensation for damage is up to 13,900,000 rubles. The cost of this option varies from 12,800 to 17,000 rubles per year.

"Domovoy-Express" - fast insurance of property of individuals

The policy insures the structure of the apartment, movable property, decoration and civil liability. Domovoy-Express insurance is also presented in two options - A and B:

• Option A. In the first case, it is assumed that the structure of the apartment occupies no more than 120 m2, and the age of the house is no more than 55 years. The maximum total payment amount is 14,900,000 rubles. The cost of insurance with a franchise will cost 7,800 rubles, without it - 9,800.
• Option B. The cost of the policy and the amount of insurance payments are reduced, but the list of insured events remains the same. Thus, the Domovoy-Express policy B will cost from 6,000 to 7,500 rubles.

The maximum amount to cover expenses for insured events is 6,550,000 rubles.

Policy "Brownie-Economy"

Economy insurance is represented by one universal offer that is suitable for insuring most apartments. Insurance is provided for two amounts of compensation for losses related to the structure of the apartment. The first of them involves insurance in the amount of up to 2,100,000 rubles, the policy itself costs 4,500 rubles. The second one is 3,000,000 rubles, and its cost is 6,000 rubles.

Coverage for damage to finishing is 450,000. For movable property, up to 300,000 is indemnified, the same amount is provided for civil liability coverage.

Peace of mind on the “Brownie-Vacation” trip

The “House-Vacation” offer has been compiled for those apartment owners who care about the safety of their property while they are away from home. The main advantage of this type of policy is that its price is fixed - 30 rubles per day, regardless of the duration of the contract. The minimum insurance period is 5 days. The maximum amount of insurance payment is 1,450,000 rubles.

The policy insures furnishings, movable property and civil liability. The apartment can be insured against gas explosion, fire, exposure to natural factors, fall of the house structure, robbery, as well as intentional damage.

"Brownie-Preferential" - insurance for all ages

A preferential type of insurance is designed to provide a material safety net for owners of apartments of any year built, its price is 3,000 rubles. The price of the policy includes a guarantee of payment up to 2,400,000 rubles.

RESO-Garantiya provides compensation for losses in construction, decoration, civil liability and damage to movable assets in an apartment with an area of ​​up to 100 square meters.

Home insurance in RESO-Garantiya

The RESO-Garantiya company provides services for compensation of damage in case of fire, flood, robbery, explosions, natural disasters or simple negligence of the owner. A private house has a larger list of insured events, because it is more vulnerable. In addition, home insurance often includes compensation for damage to adjacent areas or buildings.

RESO-Garantiya offers a tariff system that is accessible to everyone: depending on the amount insured, the policy can cost 10-50% less.
The cost of insurance is influenced by the number of risk groups for which funds are paid, as well as by the number of buildings.

RESO insurance offers two insurance programs for real estate with land.

"RESO-dom" - a universal policy

When concluding a RESO-dom contract, the insurance company insures dachas, bathhouses, cottages, garden houses, outbuildings, garages, fences, fences, landscape structures, as well as decoration, movable property and technical equipment.

When drawing up a contract, the client can set the insurance coverage option, select the insured amount, determine the number of buildings to be insured, and also indicate the duration of the contract. The cost of each specific policy depends on the individual characteristics of the property and the client’s requirements.

Policy without inspection

This type of insurance involves insuring property without providing an appraisal report and examination by an expert. RESO-Garantiya concludes an agreement to insure a house worth up to 1,000,000 rubles for up to three buildings on the site.

Calculating the cost of a home insurance policy

Each type of insurance involves the inclusion of different types of buildings, different costs, different options for insurance protection and the value of the property. You can calculate the estimated cost of insurance using an online calculator on the official website reso.ru in the “Calculators” tab.

Then you need to select the required tab, in this case – “Insurance of cottages and houses”.

To obtain the estimated cost of the policy, you must fill in all the fields in the window that opens and click the “Calculate” button. You can discuss the subject value and conclude an agreement anywhere, at a convenient time, during a personal meeting with an insurance agent RESO-Garantiya.

"RESO-mortgage" - comprehensive insurance

The RESO-Garantiya company provides policies even for that type of property that the client does not fully own. Mortgage insurance is a set of services that are aimed at protecting property not only physically, but also legally. The insurance policy includes three main services:

1. Mortgage life insurance. REO-Guarantee in the event of death or disability of groups I and II ensures payment of the outstanding portion of the mortgage instead of the client. The rest of the insurance amount is paid to the beneficiary or heir.
2. Apartment mortgage insurance. The company will pay the insured amount under the contract in a situation where the mortgaged property suffered damage regulated by the insured event.
3. Property insurance in case of loss of property rights. If violations or errors are made when signing an agreement to purchase a mortgaged property, property rights are often limited or lost. RESO-Garantiya will compensate for all losses within the insured amount.

RESO-Mortgage insurance policy is a guarantee of fulfillment of the borrower’s obligations to repay the loan received. You can calculate the cost of the policy using a special calculator on the website. You can find it in the “Calculators” tab on the main page of the reso.ru website. Next, you need to select “Mortgage Insurance”.

To obtain the estimated cost of insurance, you must fill in all the fields in the window that opens. Also go through the Google service check and click on the “Calculate” button.

Advantages of RESO-Garantiya insurance

The advantage of RESO-Garantiya in insurance is the conclusion of a contract without an expert assessment and determination of the exact value of the property. In addition, it is possible to include a complete list of risks. You can also submit documents online, which makes the review procedure more convenient and faster.

Registration will require a minimum amount of documents and time, since the preparation of the policy is carried out within one day. The main advantage is complete and timely. It is also important that the policy can be issued in installments.

It is important to remember that the amounts for insurance payments in case of damage to apartments from RESO-Garantiya are fixed. The offer is valid in all regions of Russia. For clients purchasing a private home insurance policy, a discount of 5% to 20% is available.

RESO-Garantiya is an insurance company that insures any type of property. The company offers six apartment insurance programs, two home insurance packages and a universal mortgage property insurance policy.