[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.dhbaits.cz\/pojisteni-domacnosti-a-nemovitosti-neni-jedno-a-to-same\/#Article","mainEntityOfPage":"https:\/\/www.dhbaits.cz\/pojisteni-domacnosti-a-nemovitosti-neni-jedno-a-to-same\/","headline":"Poji\u0161t\u011bn\u00ed dom\u00e1cnosti a nemovitosti nen\u00ed jedno a to sam\u00e9","name":"Poji\u0161t\u011bn\u00ed dom\u00e1cnosti a nemovitosti nen\u00ed jedno a to sam\u00e9","description":"D\u00e1 se \u0159\u00edci, \u017ee kdo vlastn\u00ed n\u011bjakou nemovitost, tak jej\u00ed poji\u0161t\u011bn\u00ed v podstat\u011b pova\u017euje za jednu ze st\u011b\u017eejn\u00edch v\u011bc\u00ed. Nikdo nem\u016f\u017ee v\u011bd\u011bt, jak se zrovna zachov\u00e1 po\u010das\u00ed a pozd\u011bji si vy\u010d\u00edtat, \u017ee kdyby se tenkr\u00e1t ud\u011blalo to a to, je... <a class=\"more-link\" href=\"https:\/\/www.dhbaits.cz\/pojisteni-domacnosti-a-nemovitosti-neni-jedno-a-to-same\/\">Pokra\u010dovat ve \u010dten\u00ed &rarr;<\/a>","datePublished":"2019-11-09","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.dhbaits.cz\/author\/#Person","name":"dhbaits.cz\n","url":"https:\/\/www.dhbaits.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e0a4ee3123bc6cda06472cb29cefd2abfa18c894e6c63b3d8bc84df8da10f637?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e0a4ee3123bc6cda06472cb29cefd2abfa18c894e6c63b3d8bc84df8da10f637?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"dhbaits.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.dhbaits.cz\/wp-content\/uploads\/img_a370429_w1914_t1582105337.jpg","url":"https:\/\/www.dhbaits.cz\/wp-content\/uploads\/img_a370429_w1914_t1582105337.jpg","height":0,"width":0},"url":"https:\/\/www.dhbaits.cz\/pojisteni-domacnosti-a-nemovitosti-neni-jedno-a-to-same\/","about":["Ekonomika"],"wordCount":449,"articleBody":"         D\u00e1 se \u0159\u00edci, \u017ee kdo vlastn\u00ed n\u011bjakou nemovitost, tak jej\u00ed poji\u0161t\u011bn\u00ed v podstat\u011b pova\u017euje za jednu ze st\u011b\u017eejn\u00edch v\u011bc\u00ed. Nikdo nem\u016f\u017ee v\u011bd\u011bt, jak se zrovna zachov\u00e1 po\u010das\u00ed a pozd\u011bji si vy\u010d\u00edtat, \u017ee kdyby se tenkr\u00e1t ud\u011blalo to a to, je ji\u017e skute\u010dn\u011b bezp\u0159edm\u011btn\u00e9. Dal\u0161\u00edm velk\u00fdm probl\u00e9mem je, \u017ee ne ka\u017ed\u00e9 poji\u0161t\u011bn\u00ed je v\u00fdhodn\u011b uzav\u0159en\u00e9. St\u00e1le je\u0161t\u011b v n\u00e1s d\u0159\u00edme takov\u00e1 p\u0159edstava, \u017ee je nejlep\u0161\u00ed uzav\u0159\u00edt pojistku za mal\u00e9 pen\u00edze a p\u0159irozen\u011b potom dostat vysokou kompenzaci. Jenom\u017ee takto n\u00e1m to fungovat nebude. Za m\u00e1lo pen\u011bz bude v\u017edycky m\u00e1lo muziky a nav\u00edc to nemus\u00ed b\u00fdt dosta\u010duj\u00edc\u00ed ani pro dal\u0161\u00ed mo\u017enosti, jako je nap\u0159\u00edklad z\u00edsk\u00e1n\u00ed \u00fav\u011bru, kde se bude ru\u010dit danou nemovitost\u00ed. Je t\u0159eba si ujasnit rozd\u00edln\u00e9 poji\u0161t\u011bn\u00ed:  Poji\u0161t\u011bn\u00ed nemovitosti \u2013 zde uzav\u00edr\u00e1me prakticky smlouvu na kompletn\u00ed stavbu a tak\u00e9 p\u0159irozen\u011b na to, co je zde pevn\u011b zabudov\u00e1no. P\u0159esn\u011b tuto pojistku budou po n\u00e1s vy\u017eadovat spole\u010dnosti, kde si budeme cht\u00edt zap\u016fj\u010dit finan\u010dn\u00ed obnos, a bude nutn\u00e9 ru\u010dit danou nemovitost\u00ed. Tato podm\u00ednka je ov\u0161em vy\u017eadov\u00e1na jak bankou, tak ji bude cht\u00edt i nebankovn\u00ed sektor, bez poji\u0161t\u011bn\u00ed nemovitosti ani nebankovni-hypoteka-cz.cz hypot\u00e9\u010dn\u00ed \u00fav\u011br skute\u010dn\u011b neschv\u00e1l\u00ed. Nen\u00ed ani divu, proto\u017ee kdyby se cokoliv p\u0159ihodilo s nemovitost\u00ed, t\u011b\u017eko by jak\u00e1koliv spole\u010dnost z\u00edskala pat\u0159i\u010dnou kompenzaci. Poji\u0161t\u011bn\u00ed dom\u00e1cnosti \u2013 tato pojistka se vztahuje pouze na poji\u0161t\u011bn\u00ed vybaven\u00ed domu nebo bytu, co\u017e rozhodn\u011b nen\u00ed jedno a to sam\u00e9 a up\u0159\u00edmn\u011b banku \u010di nebankovn\u00ed spole\u010dnost tato pojistn\u00e1 smlouva nezaj\u00edm\u00e1, jeliko\u017e nen\u00ed pro n\u011b plnohodnotn\u00e1.   Poji\u0161\u0165ovny maj\u00ed r\u016fzn\u00e9 nab\u00eddky V\u017edy je nesm\u00edrn\u011b d\u016fle\u017eit\u00e9 se s ka\u017edou smlouvou d\u016fkladn\u011b sezn\u00e1mit a nic nenechat n\u00e1hod\u011b. N\u011bkter\u00e9 poji\u0161\u0165ovac\u00ed spole\u010dnosti nap\u0159\u00edklad nab\u00edz\u00ed i v\u00fdhodn\u00e9 bal\u00ed\u010dky obou dvou produkt\u016f z\u00e1rove\u0148, co\u017e m\u016f\u017ee vypadat velmi slibn\u011b. Nicm\u00e9n\u011b nejlevn\u011bj\u0161\u00ed poji\u0161t\u011bn\u00ed nemus\u00ed b\u00fdt v\u016fbec v\u00fdhodn\u00e9 a nejdra\u017e\u0161\u00ed zase na opl\u00e1tku nemus\u00ed znamenat lep\u0161\u00ed kryt\u00ed rizik. Mnohdy se vyplat\u00ed si nechat poradit od nez\u00e1visl\u00fdch poji\u0161\u0165ovac\u00edch konzultant\u016f, kte\u0159\u00ed maj\u00ed p\u0159ehled a dok\u00e1\u017e\u00ed dob\u0159e poradit, aby byl produkt v\u00fdhodn\u00fd a nav\u00edc pokryl v\u0161echno, co je t\u0159eba zabezpe\u010dit.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Poji\u0161t\u011bn\u00ed dom\u00e1cnosti a nemovitosti nen\u00ed jedno a to sam\u00e9","item":"https:\/\/www.dhbaits.cz\/pojisteni-domacnosti-a-nemovitosti-neni-jedno-a-to-same\/#breadcrumbitem"}]}]