[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.urasenke.cz\/pojisteni-domacnosti-je-spolu-s-povinnym-rucenim-nejcastejsim-typem-pojisteni\/#Article","mainEntityOfPage":"https:\/\/www.urasenke.cz\/pojisteni-domacnosti-je-spolu-s-povinnym-rucenim-nejcastejsim-typem-pojisteni\/","headline":"Poji\u0161t\u011bn\u00ed dom\u00e1cnosti je spolu s povinn\u00fdm ru\u010den\u00edm nej\u010dast\u011bj\u0161\u00edm typem poji\u0161t\u011bn\u00ed","name":"Poji\u0161t\u011bn\u00ed dom\u00e1cnosti je spolu s povinn\u00fdm ru\u010den\u00edm nej\u010dast\u011bj\u0161\u00edm typem poji\u0161t\u011bn\u00ed","description":"Poji\u0161t\u011bn\u00ed dom\u00e1cnosti je nej\u010dast\u011bji sjedn\u00e1van\u00fdm typem poji\u0161t\u011bn\u00ed. Sjedn\u00e1te jej v\u00a0podstat\u011b u ka\u017ed\u00e9 poji\u0161\u0165ovny, v\u00fdjimku tvo\u0159\u00ed...","datePublished":"2023-05-29","dateModified":"2023-05-29","author":{"@type":"Person","@id":"https:\/\/www.urasenke.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.urasenke.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9514fe8d0d5bc6f8b5e285c47f6d71536ab35446ffb077fff11f6ca1fa8b00ce?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9514fe8d0d5bc6f8b5e285c47f6d71536ab35446ffb077fff11f6ca1fa8b00ce?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"urasenke.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.urasenke.cz\/wp-content\/uploads\/img_a308763_w2409_t1519827792.jpg","url":"https:\/\/www.urasenke.cz\/wp-content\/uploads\/img_a308763_w2409_t1519827792.jpg","height":0,"width":0},"url":"https:\/\/www.urasenke.cz\/pojisteni-domacnosti-je-spolu-s-povinnym-rucenim-nejcastejsim-typem-pojisteni\/","wordCount":378,"articleBody":"Poji\u0161t\u011bn\u00ed dom\u00e1cnosti je nej\u010dast\u011bji sjedn\u00e1van\u00fdm typem poji\u0161t\u011bn\u00ed. Sjedn\u00e1te jej v\u00a0podstat\u011b u ka\u017ed\u00e9 poji\u0161\u0165ovny, v\u00fdjimku tvo\u0159\u00ed pouze specializovan\u00e9 poji\u0161\u0165ovny na \u017eivotn\u00ed pojistky. Pojistn\u00e1 smlouva je v\u017edy platn\u00e1 na dobu neur\u010ditou, platnost kon\u010d\u00ed v\u00fdpov\u011bd\u00ed klienta ve stanoven\u00e9 v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b. Pravideln\u00e9 platby pojistn\u00e9ho se hrad\u00ed bu\u010f \u010dtvrtletn\u011b, nebo jednou ro\u010dn\u011b, v\u017edy na za\u010d\u00e1tku kalend\u00e1\u0159n\u00edho roku.Pojistn\u00e9 je mo\u017en\u00e9 rozd\u011blit do dvou z\u00e1kladn\u00edch skupin, jimi\u017e jsou bu\u010f vystaven\u00ed riziku kr\u00e1de\u017e\u00ed a vyloupen\u00ed objektu. To se t\u00fdk\u00e1 jak obytn\u00fdch prostor, tak i u\u017eitkov\u00fdch, nap\u0159. sklep\u016f, gar\u00e1\u017e\u00ed apod.\u00a0 Do druh\u00e9 skupiny rizik zahrnujeme \u017eiveln\u00e9 ud\u00e1losti zavin\u011bn\u00e9 r\u016fzn\u00fdmi p\u0159\u00ed\u010dinami. Tzn. zem\u011bt\u0159esen\u00edm, povodn\u00ed a p\u0159\u00edvalov\u00fdmi de\u0161ti, v\u00fdbuchem zemn\u00edho plynu nebo propan-butanov\u00fdch lahv\u00ed, po\u017e\u00e1rem, zavin\u011bn\u00e9m elektroinstalac\u00ed, provozem dom\u00e1c\u00edch spot\u0159ebi\u010d\u016f, anebo po\u017e\u00e1rem vznikl\u00fdm v\u00a0d\u016fsledku samovzn\u00edcen\u00ed.Pojistn\u00e1 smlouva v\u0161ak b\u00fdv\u00e1 \u010dasto nedostate\u010dn\u011b specifikov\u00e1na, proto se rad\u011bji ptejte na ka\u017edou mali\u010dkost, kter\u00e1 by m\u011bla b\u00fdt do poji\u0161t\u011bn\u00ed zahrnuta. T\u00fdk\u00e1 se to zejm\u00e9na vybaven\u00ed dom\u00e1cnosti, aby bylo ve smlouv\u011b nejen zakotveno, ale i definov\u00e1no pojistn\u00e9 pln\u011bn\u00ed. Ka\u017ed\u00e1 poji\u0161\u0165ovna m\u00e1 tak\u00e9 jin\u00e9 podm\u00ednky a sazby pojistn\u00e9ho a odli\u0161n\u00e9 limity pojistn\u00e9ho pln\u011bn\u00ed u standardn\u00edch (z\u00e1kladn\u00edch) pojistek.\tJak se pojistka sjedn\u00e1v\u00e1?Poji\u0161t\u011bn\u00ed dom\u00e1cnosti lze sjednat p\u0159\u00edmo na pobo\u010dce poji\u0161\u0165ovny, a to v\u00a0podstat\u011b na po\u010dk\u00e1n\u00ed. N\u011bkter\u00e9 poji\u0161\u0165ovny umo\u017e\u0148uj\u00ed i osobn\u00ed n\u00e1v\u0161t\u011bvu pracovn\u00edka v\u00a0byt\u011b klienta, k\u00a0posouzen\u00ed n\u00e1rok\u016f na pojistn\u00e9 v\u0161ak nen\u00ed t\u0159eba \u017e\u00e1dn\u00fd znaleck\u00fd posudek, nebo prohl\u00eddka bytu a domu.Poji\u0161t\u011bn\u00ed dom\u00e1cnosti se sjedn\u00e1v\u00e1 ve t\u0159ech odstup\u0148ovan\u00fdch kategori\u00edch podle v\u00fd\u0161e pojistn\u00e9ho. Prvn\u00ed je z\u00e1kladn\u00ed, tedy standardn\u00ed poji\u0161t\u011bn\u00ed, druh\u00fdm typem je nadstandardn\u00ed, neboli luxusn\u00ed pojistn\u00e9 sazby a pln\u011bn\u00ed, a jako posledn\u00ed se d\u00e1 sjednat dopl\u0148kov\u00e9 poji\u0161t\u011bn\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        3.3\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Poji\u0161t\u011bn\u00ed dom\u00e1cnosti je spolu s povinn\u00fdm ru\u010den\u00edm nej\u010dast\u011bj\u0161\u00edm typem poji\u0161t\u011bn\u00ed","item":"https:\/\/www.urasenke.cz\/pojisteni-domacnosti-je-spolu-s-povinnym-rucenim-nejcastejsim-typem-pojisteni\/#breadcrumbitem"}]}]