Sberbank has property insurance, deposits and credit programs for every taste. This company has developed many financial products to satisfy all the needs of the population in the field of banking services. However, the bank’s reputation as expensive, slow and problematic, which has developed over the past decades, gives rise to doubts - is it worth getting involved? Having chosen property from Sberbank, can you count on receiving money when an insured event occurs? Or is the company's reliability as an insurance company not up to par? This can be assessed by studying the reviews of those who have used the company’s services. It would not be superfluous to analyze the list of companies involved in property insurance (Sberbank).

For all occasions

The company has developed many programs, so you can insure anything and against a wide variety of dangers. By law, in a number of situations, an individual is required to take out property insurance, and the organization offers banking products for all these cases. For example, there is an insurance program for housing purchased on credit, purchased with a mortgage. However, this does not exhaust the variety of possibilities. As those who have already encountered an insured event say, it is even easier to receive payments from Sberbank than from many companies that deal only with insurance.

Special conditions

Some bank clients can count on special treatment and individual rates. This is provided for those who decide to purchase a premium package. The bank offers two options:

• "Status";
• "Prestige".

By taking advantage of this banking offer, the client not only gets access to Sberbank, but can also take advantage of special rates for obtaining travel insurance. This is especially true for frequent travelers abroad. If you believe the advertising brochures (and some reviews), property insurance at Sberbank allows you to leave any problems in the past and guarantee yourself comfort even when circumstances are stacked against a person.

Accreditation

Be sure to study the companies providing property insurance services at Sberbank (a list of them can be found on the organization’s website). Selecting an insurer is not an easy task and requires a responsible approach. It is important that the company has a good reputation, which would indicate its reliability. If suddenly an insured event does occur, it is important that the company immediately pays everything that is due in such a situation.

You need to understand that there are insurers who are not very careful about their obligations. But those who choose companies accredited by Sberbank are insured against such troubles, since this bank very carefully checks all partners.

Property: already purchased, but there is a loan

Special bank programs offer insurance not for the property itself, but for the credit program under which it was purchased. However, reviews about this program are mixed. Not everyone understands the essence of the proposal, so many are unhappy. People are convinced that the bank is simply trying to lure out more money.

Mortgage insurance from Sberbank for real estate is one of the options for such a loan program. Obtaining a policy allows you to protect yourself from unpleasant situations. There are quite a few different programs, so you can choose exactly what is most suitable for a particular client. If a person doubts which aspects are important to him, the company’s consultants come to the rescue.

The deposit is insured

When receiving a mortgage, any person is obliged to immediately insure the property for which the bank lends him money. This is where properties accredited by Sberbank come to the rescue - this is the program that is needed in this case). A house or apartment purchased under a mortgage program is insured against possible risks of damage and loss.

If an insured event does occur, the bank that issued the loan will receive the money under this program. For the client, the program is beneficial in the following way: the person is exempt from paying the loan if the housing “disappears.” Property insurance for a mortgage from Sberbank seems to be a fairly profitable program, but many prefer to work with accredited insurers. But be careful and compare price quotes so you don't end up with a company charging a commission.

Apartment under protection

Property insurance for a mortgage from Sberbank is not the only program that allows you to protect the property of an ordinary person. You can take out insurance for your own home even when it is not an obligation under a debt to the bank. This will protect him from troubles, and in the event of an insured event, it will become a safety net, a source of financial support with which he can overcome difficult circumstances.

But if the house has not yet been built and a mortgage is taken out for the apartment in it, then taking out insurance is not required by law. But as soon as the building is put into operation and the buyer of the living space receives a certificate, it will be necessary to immediately obtain an insurance policy. Be careful: according to the terms of the contract, deliberate delay in purchasing a policy is punishable by fines. The bank charges up to 0.5% of the debt amount for each day without an insurance program. By the way, this point is often the source of negative reviews about both the insurance and mortgage programs of Sberbank. Not everyone carefully reads the terms of the contract, and then is surprised that they have to pay significant amounts.

Purchasing an insurance policy

Property insurance from Sberbank involves purchasing an insurance policy. This can be done either at the office of an accredited insurer or directly at a bank branch. In addition to the insurance program for your own assets, you can use a bank card, health. The bank offers more favorable rates for regular customers and those who are insured under increased coverage programs. It's more expensive, but safer.

The policy is calculated individually in each case, taking into account the client’s requirements. If you are categorically not satisfied with the result, you must inform the agent. In most cases, specialists can offer something cheaper. Remember that the price of property insurance from Sberbank is influenced by the following factors:

• duration of the program in days;
• property price;
• client age;
• client's health status.

Money is protected

It is no secret that money is also a person’s property while he has it. But in recent years there have been a lot of thieves and scammers. If the theft of cash has been known for a long time, many people still do not know about the possibility of theft from a bank card. To protect yourself from such a disaster, you can join an insurance program. In addition, the package will help if the card is lost.

With Sberbank, property insurance in the form of a bank card is cheap, but it will save you from money being withdrawn by third parties. The program will protect if the client becomes a victim of a fraudster or thief. If your card is lost, missing, or mechanically damaged, you can count on prompt assistance from the bank with recovery. In addition, the program allows you to insure yourself against the loss of money withdrawn from the card, if this trouble occurs no later than 2 hours from the moment the amount was cashed out. The program applies to all countries of the world, and a report of an insured event can be submitted by calling the bank’s hotline.

Property insurance: it's important

An insurance program is an interaction between an insurance company and an individual. It is regulated not only by the agreement concluded between the parties, but also by the current legislation of our country. Insurance products are required by law to meet certain conditions. In order to meet legal requirements, Sberbank’s property insurance implies protection against:

• loss of property;
• damage;
• partial or complete destruction;
• production losses.

The program includes civil liability for obligations provided for by the laws of the country.

How it works?

If you visit the Sberbank website, you will notice that insurance offers are described in general terms, without specifics. The reason is that detailed clarity is introduced already at the stage of drawing up the contract and paying for it. The insurer and the client agree on what insurance risks are covered by the arrangement.

In some cases, under the contract, upon the occurrence of an insured event, the bank pays the full cost of the insured object; under other conditions, the compensation is only partial. Some programs provide reimbursement of the amounts necessary to restore the functionality of the item. If the agreement includes income, then if the client does not receive it (or receives only part of it), the bank reimburses these amounts.

Insurance compensation

This term describes the amount that is sent to the client upon the occurrence of an insured event. It must be said that in most cases it is the source of dissatisfaction among individuals, which is where negative reviews about the program come from. People expect fairly large compensation, which in practice turns out to be much less than they would like. Often the reason is that many of our fellow citizens do not read the concluded agreement very carefully.

If the agreement is carefully studied, and the amounts specified in it do not coincide with what the bank sends to the client, you can file a lawsuit to establish fairness. The practice of recent years shows that winning a dispute with an insurer these days is much more realistic than even 5-10 years ago.

The price of compensation is not always stated directly in the contract. If it is not there, then the insurance company assesses the damage to the insured property and compensates for losses. The justification for making a payment is confirmation that the items are indeed damaged or missing.

Sums insured: basis for dachshund

The client learns how large the insurance amount is even before signing an agreement with Sberbank. It depends on what the client’s material assets are under the program of protection from unfavorable situations. You can receive money if the loss occurs for a reason specified in the contract in the “insured events” category.

You cannot set a limit on the amount insured that is greater than the value of the item. If the insured amount and the assessment coincide, they speak of full insurance, that is, in the event of an unpleasant situation, it will be possible to fully compensate for the loss. If the price is less than the cost, only partial compensation is possible. They analyze the maximum possible amount under the insurance contract, taking this into account, they make the payment. At the same time, they estimate how expensive it will be to purchase a new item of the same type or create a similar product; how much the item actually cost, at what price a similar one is sold on the market.

Insurance reimbursement

This term characterizes the amounts that can be received from the insurer in the event of damage. Also, compensation is paid, there is damage associated with the liability of the client of the insurance company to third parties. The amount is not always the same as stated in the contract; it is often less. The company analyzes the circumstances of the insured event and decides how much to pay.

Admittedly, clients usually expect full reimbursement from an insurance program, and a reduction in benefits comes as an extremely unpleasant surprise. To protect yourself from such surprises, you need to carefully study the terms of the contract being concluded. If there are any doubtful points, you need to clarify them with a specialist working on the official paper. If the insurance company does not fulfill the terms of the contract, you can go to court to restore justice. Please note: every insurance company has its own adjuster. His task is to approve the grounds for paying money to the client. Of course, a representative works primarily in favor of his company, and only then in the interests of the client. But those customers who are firmly confident in their position can insist on their opinion. The adjuster's task is to achieve an agreed position. In some cases, the insurance company may give in to avoid trial. If you believe reviews of Sberbank’s insurance programs, achieving satisfaction of all requirements is often not easy, but still possible.

Sberbank offers property insurance services. Often, such a product is used when concluding mortgage agreements or car loans when collateral is deposited. A subsidiary company, Sberbank Insurance, is engaged in professional activities.

Conditions

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The company offers the following insurance programs:

All policies can be issued both on the website of the Sberbank Insurance organization and at a bank branch. It is possible to pay with bonuses when using Sberbank cards using the SPASIBO system. The discount when registering online will be 10% of the cost of the set of insurance services.

Insurance compensation in the amount of up to 100 thousand rubles. carried out without certificates.

The Sberbank Insurance website also lists programs that apply to the following types of property:

• personal belongings. In case of floods, natural disasters, explosions, robbery, robberies, fire.
• unauthorized withdrawal of funds from the policyholder’s bank card.

It is possible to purchase an insurance policy directly from a subsidiary for a period of up to 36 months (3 years).

Requirements for objects

The conditions for including certain types of property in insurance are specified in the rules for the provision of Sberbank insurance services, which are issued to each policyholder as an appendix to the policy.

The following are accepted as such:

• property interests of the insured in relation to certain types of objects of the material world;
• in relation to apartments and residential buildings - decoration, equipment, furnishings, and other movable property inside the premises.

The cost of items left within the apartment is not refundable:

• jewelry;
• collections;
• objects of art and culture;
• antiques;
• property in emergency housing;
• real estate outside the Russian Federation.

It is possible to include in the policy conditions for insurance protection of objects:

• ID cards;
• telephone;
• laptops and netbooks;
• driver's license;
• tablets.

Important: please note that the validity period of the policy is indicated on the Sberbank Insurance website - the document comes into force after 15 days from the date of payment. This information contradicts the information on the official website of Sberbank, which states that the policy applies to insured events that occurred after 00:00 on the day following the issuance of the policy.

How to obtain real estate insurance at Sberbank

The Mortgage Law does not oblige citizens to insure the collateral. However, on the basis of Article 31 of this regulatory act, the issuance of a policy for the risks of damage or loss of property is carried out on the basis of a concluded loan agreement.

Under agreements with Sberbank, compensation for these risks is mandatory. Not only real estate as a development object is subject to insurance, but also its individual structural elements.

The following risks are covered:

• from a fire or explosion of domestic gas installed in the apartment;
• in case of unlawful actions of third parties, including owners of neighboring residential and commercial premises;
• upon detection of defects in housing that were made during the construction of structural elements of the building during development;
• in case of falling aircraft debris, damage by cargo transport;
• when struck by lightning;
• in case of natural disasters.

When drawing up an insurance contract with a subsidiary of Sberbank, the following points must be taken into account:

• the policy comes into force from 00:00 on the day following the execution of the contract, so if the insured event occurred on the day the agreement was concluded, it is not subject to compensation;
• when passport data is changed, a notification must be sent to the insurance company by email with a screenshot of the new ID attached;
• after the termination of the mortgage or loan agreement, the insurance continues to be valid, refund of funds is not possible even if the loan debt is paid off early;
• When carrying out redevelopment, preliminary coordination with the insurance company is required; otherwise, monetary compensation in the event of an unforeseen event will not be provided.

Important: the debtor has the right to insure the main risks in relation to property in any company accredited by Sberbank, it will not necessarily be Sberbank insurance. The list is constantly changing and is published on the official website of the credit institution. It is possible to change companies every year; there is no prohibition on this.

When purchasing insurance online, it is enough to:

• go to the official website of Sberbank or the Sberbank-insurance company;
• select the amount for compensation - insurance protection;
• indicate passport details, full name;
• receive the policy by email;
• payment by bank card occurs automatically when adding a request.

Required documents

The list of papers for issuing an insurance policy at Sberbank changes regularly and is published on the official website of the credit institution. Not all names of documents are indicated on the official resource; in the course of establishing a citizen’s solvency, the bank may request other information; this right remains with it.

To obtain a policy from Sberbank when concluding a mortgage loan agreement, it is enough to provide only the borrower’s passport.

When filling out the application online you must provide:

• ID card - series and number are entered when filling out the application;
• loan or mortgage agreement - with number and date of conclusion.

All information must be entered without errors, otherwise this will lead to refusal to accept the policy and to the accrual of penalties and fines.

When an insured event occurs, you must fill out an application in the form for a specific program - for Protection of your home, mortgage or funds on a bank card. The forms can be found on the official website of Sberbank-Insurance.

You must send documents confirming the occurrence of an insured event with a statement by registered mail to the address: Moscow, Pavlovskaya St., 7 or by email to the official mail of the insurance company. The same should be done to receive compensation if the costs of restoring the property were incurred at the expense of the policyholder's own funds.

Payment if the situation is recognized as insurance is made within 15 days to the bank details specified when filling out the application form.

When insuring property in a company other than a subsidiary of Sberbank, documents are checked for compliance every 30 days. If the documentation does not comply, interest will be charged as a penalty as for the lack of an insurance policy.

Price

When receiving a mortgage, an employee of the credit institution Sberbank is provided with a passport to issue a policy. Its price will be about 0.25% of the value of the purchased property, determined on the basis of an independent assessment. Based on this, the principal amount of the loan is determined. The property insurance rate may increase depending on the number of risks covered.

The policy validity period is assumed to be 12 months with the right to automatic renewal - prolongation. Funds are usually debited from a card that is opened in Sberbank via automatic payment with notification of the payer.

Although we are talking in this article about Sberbank, most of what is written, except for the list of accredited insurance companies, is relevant for any Russian bank.

Insurance for items purchased (apartment, house, room, etc.), unlike personal insurance, is mandatory. This is directly stated in Article 31 of Federal Law No. 102 “On mortgage (pledge of property)”:

1. Insurance of property pledged under a mortgage agreement is carried out in accordance with the terms of this agreement. An insurance contract for property pledged under a mortgage agreement must be concluded in favor of the mortgagee (beneficiary), unless otherwise specified in the mortgage agreement or in the agreement giving rise to a mortgage by force of law, or in the mortgage.

2. In the absence of other conditions in the mortgage agreement on insurance of the mortgaged property, the mortgagor is obliged to insure at his own expense this property in full value against the risks of loss and damage, and if the full value of the property exceeds the amount of the obligation secured by the mortgage - for an amount not less than the amount of this obligation .

Actually, from this law it follows:

• Housing purchased with a mortgage and pledged to the bank must be insured.
• Compulsory insurance applies only to the risks of loss and damage to collateral (fire, natural disaster, damage to load-bearing structures, etc.)
• The beneficiary under such an insurance agreement must be a bank. It is the bank that will receive the insurance payment if an insured event occurs. The amount of the borrower's debt will be reduced by the amount of the payment.
• The amount for which the object must be insured (the insured amount) must be no less than the principal amount of the loan.

  For example, an apartment costs 3 million rubles, the down payment will be 1.4 million rubles, and the loan amount, accordingly, will be 1.6 million rubles. This is the amount (no less) that needs to be insured for the apartment in the first year of the mortgage. This amount will then decrease as the mortgage is paid off.

• You need to insure your property for the entire duration of the mortgage, as long as you pay it off and as long as the property is pledged to the bank. At the same time, the standard contract period for insurance companies is 1 year. Therefore, every year you need to conclude a new insurance contract.

  The insured amount, as mentioned above, will decrease. Therefore, before renewing the insurance contract or concluding a new one, check with the bank about the exact amount of the principal debt on the mortgage.

The cost of insurance, or premium, is measured as a percentage of the sum insured, which, remember, is usually equal to the amount owed on the mortgage. The size of the insurance premium is also affected by the property itself.

For new brick houses it will be less, and for old Stalin buildings with wooden floors, naturally, more.

Ingosstrakh traditionally has some of the most attractive rates for mortgage property insurance. You can calculate the amount of insurance directly on the website.

If we take average figures, the insurance premium for this type of insurance is 0.3% -0.6% of the amount insured. Translated into rubles, it will be from 3,000 to 6,000 rubles. for every 1 million rubles. loan debt.

List of accredited insurance companies in Sberbank

Each bank has its own requirements for insurance companies, in which borrowers need to insure collateral real estate. Therefore, before purchasing a policy, be sure to check the list of insurance companies.

Below are the names of insurance companies accredited to insure collateral property with Sberbank. Not to be confused with!

Current as of February 2018:

• "Liberty Insurance"
• "Chulpan"
• "Transnational insurance company"
• "SF "Adonis"
• "Insurance company "SDS"
• "Insurance company "DIANA"
• "Insurance Company "Helios"
• "Insurance group "Spassky Gate"
• "Sterkh"
• "SOGAZ"
• "SO "Surgutneftegaz"
• "Sberbank insurance"
• "RSHB-Insurance"
• "Rosgosstrakh"
• "RESO-Garantiya"
• "REGIONGARANT"
• "BET"
• "Independent Insurance Group"
• "National Insurance Company TATARSTAN"
• "Ingosstrakh"
• "Zetta Insurance"
• "Renaissance Insurance Group"
• "VSK"
• "AlfaStrakhovanie"
• "AIG"
• "Absolute Insurance"

As you can see, the list is quite impressive - 26 companies, so you can easily select an insurance company on conditions that suit you.

Leave questions and feedback in the comments.

Sberbank offers its clients many convenient services. One of the bank's activities is property insurance against force majeure circumstances. Let's figure out what real estate insurance services the population can get from Sberbank and what needs to be done for this.

Current insurance programs from Sberbank

Depending on the client’s needs, Sberbank Insurance offers insurance for:

• apartments or houses;
• non-residential objects;
• subsoil use areas or land plots;
• mortgage objects;
• property taken as collateral for a repayable loan;
• movable property and personal belongings located on the territory of the property.

Types of insurance at Sberbank

All real estate insurance operations can be divided into two general categories:

1. Compulsory insurance. According to the legislation of our country, when applying for a mortgage loan, obtaining insurance for the full cost of the purchased home is mandatory.
2. Voluntary insurance. Applies to all other cases of use of real estate.

The validity period of both types of policies is 1 year, and it usually begins on the 15th day after receipt of the document.

Insurance conditions in Sberbank

Real estate insurance involves the purchase of an insurance policy that guarantees payments from the insurer in favor of the client in the circumstances and amount of compensation established by the contract.

If an insured event occurs, then after reviewing the situation by a special commission, a certain amount will be paid to return the insurance object to its original appearance. Also, the policy may extend to neighboring properties. If force majeure does not occur, the amount paid for the policy is not refunded.

What is the cost of an insurance policy determined from?

The price of insurance will be different in each case. The cost of the policy is influenced by the following factors:

• year of commissioning of the premises;
• type of construction;
• location and natural conditions of the territory on which the insured object is located;
• list of risks specified in the contract;
• amount of compensation;
• area of ​​the property, etc.

Risks and insured events prescribed in the policy

Depending on the cost of the policy, Sberbank prescribes a different number of insured events that cause damage or loss of property.

There is a general list of risks and force majeure circumstances that most often arise when using real estate. These include:

• fire, lightning strike;
• flooding (both domestic and natural), as well as other variations of water damage;
• natural disasters;
• gas explosions;
• illegal actions of other persons (burglary, damage to property, etc.);
• housing construction defects, etc.

In our country, when applying for a mortgage loan, it is mandatory to obtain an insurance policy for the property being purchased. At Sberbank, mortgage insurance includes the following conditions:

• the cost of the policy and the amount of insurance payments is calculated from the total amount of the mortgage loan and the actual cost of the home;
• payments can be received for damage to load-bearing structural elements, including the roof and foundation (for individual houses);
• measures relating to the legal protection of the rights of the owner are also indicated;
• registration of the service is available in Sberbank Online, after which two copies of the document are sent – ​​to the client’s email and to the bank;
• You can additionally take out a “Protected Borrower” policy to receive payments in case of disability or life of the borrower.

Obtaining all of the specified types of mortgage insurance will provide a reduced interest rate for the borrower. It is better to clarify this point with the bank manager when preparing documents.

Voluntary home insurance under the “Home Protection” program

Conditions and benefits of the Home Protection program from Sberbank

A popular service among the population can be obtained both at a bank branch and in the Personal Account on the website. In this case, you do not need to inspect the property; you just need to select the package of options you need. The terms of service look like this:

• the cost of policies is from 1,750 to 6,750 rubles (the first option is available only when issued online);
• compensation will range from 450,000 to 2,000,000 rubles;
• small payments of up to 100,000 rubles can be received without providing certificates;
• the higher the cost of the policy, the larger the list of insured events and the higher the compensation when they occur;
• paper and electronic versions of the document are equivalent.

Under this program it is possible to insure almost all interior items and household and personal use:

• interior decoration (finishing floors, walls and ceilings, windows, doors, plumbing, etc.);
• movable property - household and office equipment, furniture, children's things, sports equipment, personal belongings (including clothes and shoes), etc.;
• civil liability for damage to property of third parties (your neighbors).

The main factor that encourages you to draw up this document is the very expensive real estate in our country and the high interest rates on housing loans (relative to the general standard of living and in comparison with global practice).

Most often, by external factors, property owners mean fires and floods. A large number of extreme circumstances that arise are due to old communications in many cities that were not designed for such consumption.

Also, the causes of fires or pipe breaks can be independent repairs and unprofessional connection of equipment, improper use of equipment, etc.

Thus, the advantages of obtaining a policy under the Home Protection program are its low price and a wide range of insurance items and insured events.

Apply for a Multipolicy online at Sberbank

The comprehensive insurance program from Sberbank is an exclusive product in its segment. It is insurance with the following list of services:

• movable and immovable property, civil liability (as in the Home Protection program);
• personal belongings (in case of damage to documents and personal equipment, such as a laptop, smartphone, etc., under the influence of circumstances that are insured events);
• for travel (medical expenses during travel);
• health and life (in case of accidents);
• bank cards (in case of loss or theft of cards and illegal transactions without your participation).

You can apply for it on the website of the Sberbank Insurance organization using a special form. The conditions for obtaining a Multipolicy look like this:

• there is a calculator on the website for a detailed calculation of a personal package of services (allows you to make preliminary calculations and not waste your own time on it);
• policy cost from 2,600 rubles;
• the maximum amount of compensation payments is more than 2,000,000 rubles;
• convenient product registration through the Sberbank Insurance website;
• receiving payments up to 100,000 rubles without certificates.

The undoubted advantage of this offer is an individual insurance program that includes all the items you need.

“Stable business” for legal entities and individual entrepreneurs

It is a package of services for entrepreneurs, which includes all the main risks when doing business. You can view the list of products on the website of the Sberbank Insurance organization in a special section.

The policy may include insurance services:

• movable and immovable property located on the territory related to the activity (equipment, decoration of premises, load-bearing structures of buildings, etc.);
• civil liability;
• losses from an interruption in business for up to 3 months after the occurrence of an insured event (rent, some tax payments, payment of interest and principal for Sberbank loans);
• life and health of the organization's employees.

This way you can choose which risks for which insurance categories to include in your package, which will affect the cost of the service.

The “Stable Business” policy is issued under the following conditions:

• choice from several programs offered by Sberbank;
• the cost of policies is from 20,000 to 55,000 rubles;
• maximum compensation can be more than 25,000,000 rubles;
• the opportunity to register for both a legal entity and an individual entrepreneur;
• mandatory product activation within 2 weeks after purchase;
• Employee health insurance is carried out according to the list approved by the manager, submitted at the time of filling out the application.

What to do if an insured event occurs

To receive payments from the insurer, you must complete a number of simple but mandatory actions, which will determine the final amount of compensation.

Your actions:

1. You must notify your insurance company.
2. Record the damage received in photos and videos.
3. Draw up an inspection report of the premises with a full description of all damage. To do this, you need to assemble a commission from representatives of your housing office.
4. If you are making repairs at your own expense without waiting for insurance payments, be sure to keep all receipts and other financial documents to confirm your expenses. Also, if you have used the services of any specialists, then you need to receive a service agreement, which will specify the types of work and their cost.

Conclusion

Sberbank presents a wide range of insurance programs for both individuals and legal entities, which allows you to choose the most suitable option when applying for services.

Insurance is a financial instrument widely used to protect financial interests. You can insure your country house either with an insurance company or with a banking institution. Let's look at which banks insure private homes in 2017.

Insuring private homes is a very important step to protect the financial interests of its owner. The goal is to compensate the owners for damage incurred in unforeseen circumstances (fire, robbery, flooding, etc.). Compensation is made according to the terms of the insurance contract.

Some Russian banks independently provide home insurance. It's easy to explain.

When applying for loans, insurance of the item of purchase or collateral is required, in some cases - both. Therefore, banks decided to remove this responsibility from insurance companies and perform these functions independently. This will allow you to avoid all sorts of fraud and violations, both on the part of clients and on the part of insurance companies.

Which banks insure private houses?

Let's take a closer look at which banks offer insurance protection programs for private homes and the conditions.

Sberbank

Offers to sign up for the “Home Protection” insurance program for a private home or apartment:

• visiting the branch;
• online by filling out the appropriate form on the bank’s website.

Insurance coverage includes:

• fire;
• natural disasters;
• bay;
• mechanical impact;
• explosion;
• civil liability;
• crash of aircraft;

Insurance coverage depends on the chosen option:

Insurance protection (thousand rubles)
Finishing (thousand rubles)
Movable property (thousand rubles)
Civil liability (thousand roubles.)
Total cost of the policy (RUB)

The contract comes into force on the 15th day after payment. The validity period of the agreement is 1 year from the date of entry into force.

To conclude a contract, the client selects a suitable insurance protection option without inspecting the property. To receive a discount, discount coupons are offered under the “Thank You Bonuses” program.

When an insured event occurs, it is easy to receive payment. So, if the payment amount is up to 100 thousand rubles, it is made without certificates.

Rosgosstrakh

Offers two insurance programs for private homes:

	Rosgosstrakh-dom "Active"	Rosgostrakh-house "Prestige"
Suitable for insurance	houses of the lower and middle segment	private houses with individual architectural solutions and interior design
Location of the insurance object	in gardening partnerships, township settlements, cottage settlements, villages, hamlets	in guarded cottage villages
Allows you to insure	most types of buildings, incl. cottage and outbuildings	Lack of required objects
Advantages of the type of insurance:	concluded without a statement; the insurance premium is paid at a time or in installments; the cost of insurance is determined accurately and quickly	Flexible insurance conditions for exclusive buildings.
Insured	outbuildings; interior and exterior decoration of premises; movable property; especially valuable items; pieces of furniture; household appliances; engineering and equipment	any buildings; pieces of furniture; household appliances, external objects (equipment); expensive items and property (antiques, collections, etc.)
Insurance coverage includes	Wide range of risks, incl. fire, theft, civil liability during the operation of buildings (including causing harm to life, health and property of third parties)
To conclude a contract you will need	passport, address of the insured object, required amount for the insurance premium

To conclude an agreement, you need to visit a bank branch.

DeltaCredit, Rusfinance Bank, Rosbank together with SOCIETE GENERAL Insurance

SOCIETE GENERALE Insurance and Russian banks: DeltaCredit, Rusfinance Bank, Rosbank are part of the Societe Generale financial group. Therefore, they are aimed at establishing long-term business relationships with clients.

The client is offered a comprehensive mortgage lending agreement.

Insurance coverage includes:

• fire;
• natural disasters;
• bay;
• structural defects;
• explosion;
• civil liability;
• crash of aircraft (spacecraft);
• falling of solids;
• collision with a vehicle
• illegal actions of third parties.

If we talk about the cost of the policy, it is worth noting that these banks set tariffs individually for each contract. To do this, documents on the property that is pledged are analyzed, as well as data on the borrower and co-borrower. The annual cost of property insurance is 0.12% of the insured amount.

Communication regarding the conclusion of an insurance policy takes place through the mortgage manager. He will also send the insurance company the documents necessary to issue a policy. Conclusion of the contract, payment occurs at the time of conclusion of the mortgage agreement.

Rosselkhozbank

Rosselkhozbank and RSHB-Insurance are part of the group of companies JSC Rosselkhozbank. It is not surprising that for loans issued by a bank, insurance policies are issued by an insurance company of the same financial group.

Clients are offered mortgage and regular property insurance (country buildings with and without finishing, apartments).

Insurance coverage in the RSHB-Insurance policy includes:

• fire;
• explosion;
• natural disasters;
• mechanical damage;
• water damage;
• illegal actions of third parties:
  • hooliganism, vandalism, intentional or careless destruction or damage to insured property;
  • theft in the form of theft, robbery, robbery.

The cost of the policy is calculated according to basic rates.

This is not a complete list of banks that independently or with their partners enter into insurance contracts. Therefore, insuring your own home is very simple. Some banks allow you to apply online, while others require you to visit a branch in person. Whichever option is chosen, purchasing a policy is quick and easy.