Insurance is relevant at all times, because there is always the possibility of damage to someone else’s property.

Having taken out insurance, you can be calm, because if troubles arise, the insurance company will compensate for the damage.

When choosing an organization, pay attention to its reputation, tenure and solvency. Sberbank is a large bank that deals with home insurance. Clients are offered several insurances, the following are worth noting:

• "Home protection";
• "No worries";
• “Quick insurance policy” for 999 rubles;
• insurance of real estate that was purchased with a mortgage.

What do customers get with their first offer? “Home protection” allows you to protect your property (apartment or house) from the most common risks. The program is comprehensive. Insurance, if the amount does not exceed 100 thousand rubles, is paid without certificates.

The program is presented in three types, everything depends on the amount. This is civil liability, such a policy costs 7,500 rubles, damage to movable property costs 5,500 rubles; repair – 2500 rubles.

The more expensive the policy you purchase, the greater the compensation available to you. The agreement you conclude with the bank will be valid for 1 year.

You can draw up an agreement by choosing a convenient method. This can be done on the bank’s website, or when visiting one of the branches.

By choosing Sberbank’s “No Worries” program, you will use your funds as efficiently as possible.

This is a comprehensive offer, all risks are collected in one policy.

This is not only insurance to protect a house or apartment, the policy includes civil liability.

In addition, you will protect your bank cards and personal expenses. The insurance will also cover medical expenses if any arise while traveling around Russia.

When compared with the cost of apartment insurance at Sberbank separately for each option, the “No Worries” policy is much more profitable. You can choose an insurance program that best suits your needs. The policy can be issued in a few minutes - at a bank branch or on the website.

The objects of insurance can be real estate, funds on Sberbank debit or credit cards, personal belongings, for example, a passport and other documents, gadgets.

Separately, it is worth mentioning the protection of real estate purchased under a mortgage agreement. The bank offers loans at rates affordable to citizens.

If other insurance policies are purchased on a voluntary basis, then in the case of a mortgage loan, insurance of the object will be mandatory. In this case, housing will be considered collateral.

When applying for a mortgage, apartment insurance from Sberbank is purchased for the entire duration of the contract. Buck does this to ensure that the property is worth the money borrowed.

If property is damaged, the object will lose value. The insurance program will be activated if the client does not repay the loan and the property is not worth the money that was previously invested.

What is needed to insure an apartment with Sberbank?

The client must provide the bank with the following package of documents:

• passport;
• real estate documents;
• statement.

After the application is completed, the bank employee will prepare the policy and the Agreement for signing. Copies of these documents remain in the bank.

Requirements and rules of registration

You can buy a policy online at a bank branch. The client must provide copies of documents certified by a notary office.

When purchasing online, the policy along with a copy of the Agreement will be sent to the branch at the client’s place of residence.

In addition, he can order a policy by calling the bank’s contact center. It is also easy to apply for insurance in mobile banking by sending an SMS.

How to carry out the procedure?

So, how to insure an apartment with Sberbank:

1. Select a bank branch. Tell the specialist that you want to insure your property. Provide documents.
2. Please indicate the object you wish to insure.
3. Identify risks. Specify the insurance period and amount.
4. Pay for insurance. Receive a policy and a memo from a bank specialist.

If you decide to buy a policy on the site, the steps will be as follows:

1. Open the bank’s website and find the “Insure yourself and property” tab.
2. Check the “Select policy” box.
3. Select the appropriate option and click “Find out more.”
4. Specify the place where the policy is issued. This can be a bank branch, or you can arrange apartment insurance with Sberbank online.
5. Specify the object, identify the risks. Select the amount of insurance protection.
6. Check out the cost of apartment insurance for Sberbank and click “Apply”.

Policy for 999 rubles

This policy is called “fast”, its cost is 999 rubles. Apartment insurance from Sberbank is suitable even for rented housing; an inventory and assessment of the property is not carried out.

You can insure any apartment located in Russia.

You protect property from the most common risks. This is a breakthrough in the sewerage and heating systems, a breakthrough in the water supply system. The policy includes protection against natural disasters and theft. The policy is valid for 1 year; for registration you need a passport and a document for the apartment.

What to do in case of an insured event?

If an insured event occurs while insuring an apartment with Sberbank, the client must call the contact center.

If you discover theft or other illegal activity, you should call the police.

This will save you from worry. Fill out an application stating that an insured event occurred.

Documents must be sent to the bank. This can be done by mail, sending a registered letter.

A copy should be sent by email.

Conclusion

Apartment insurance for Sberbank will help you save your money. At Sberbank you will find a large selection of policies, programs that protect your interests at a reasonable price.

An important condition for a happy life is peace of mind for the safety of residential property. And even more so if you buy a home with a mortgage loan. The borrower needs confidence in the future and the absence of risks. Sberbank offers mortgage insurance for its clients on favorable terms. Let's look at some questions clients have about concluding an agreement, and how much insurance costs at Sberbank for a mortgage.

Advantages and features of the service

Insuring real estate purchased with a mortgage from Sberbank is primarily beneficial for those who took out a housing loan from the same bank. Taking out insurance at the same time as concluding a mortgage agreement reduces the annual loan interest rate by 1%. As the outstanding balance decreases, the cost of the policy decreases. Insurance is issued in the shortest possible time directly from the bank or by placing an application on the website.

Sberbank does not prevent the mortgage insurance from being taken out by another bank, but then the interest rates on the loan will be increased by 0.25% of the original rates.

What is insured

Sberbank offers insurance packages covering real estate, ownership, as well as the health and life of the borrower.

The housing policy includes insurance of the structural elements of the property - windows, doors, load-bearing and non-load-bearing walls, partitions and ceilings. When insuring a private residential building, the foundation and roof are also covered. The list of risks when insuring a mortgage from Sberbank includes:

1. illegal actions of third parties;
2. natural disasters;
3. damage or loss of housing due to fire, gas explosion or lightning strike;
4. falling trees or any large objects;
5. detection of structural defects in the insured property;
6. water flooding;
7. collision with a vehicle;
8. other negative impacts.

Mortgage life insurance at Sberbank in 2017 includes:

• loss of ability to work resulting from a serious long-term illness, disability, unsuccessful surgery;
• death of the borrower - relatives are exempt from mortgage payments;
• loss of employment due to bankruptcy or liquidation of the company in which the borrower was employed.

How to get insurance

If the document is drawn up directly at the Sberbank office, the client receives it in his hands immediately after payment. Applying for mortgage insurance online from Sberbank is the most convenient way to obtain a policy. Submission of an application for insurance is made using the form on the website. The electronic application must indicate:

• type of housing (house, apartment);
• list of risks;
• contract time;
• year of construction of the residential property, presence of wood in the floors;
• the insured amount based on the results of an independent assessment;
• mortgage loan agreement number;
• personal data of the policyholder;
• contacts of the policyholder;
• address of the property.

The price for a year of insurance can be only 4-5 thousand rubles, it all depends on the balance of debt on a mortgage loan at Sberbank PJSC. To accurately calculate the cost of insurance, use the calculator at https://online.sberbankins.ru/store/mort/index.html#/viewCalc

When registering online, payment is made immediately. Then you need to wait for an SMS notification that the application has been accepted and the policy has been generated in your personal account. The bank sends the original document by Russian Post by registered mail to the location of the insured residential property. Delivery is carried out on average in 1.5-2 weeks. If it is not possible to pick up the envelope with the policy due to the remoteness of the post office, you should provide the bank with your personal information and the address to which the letter should be sent a second time.

Information about issuing a policy with insurance is automatically transmitted to Sberbank.

Calculation of the cost of an insurance policy

This happens automatically when you place an application on the site. However, the exact price of the service is established when signing a loan agreement for housing. An electronic policy format with all the information the client needs is also available. Registration takes place on the website of Sberbank Insurance LLC

The calculation shows that insurance premiums are combined with monthly mortgage payments. That is, if the annual mortgage rate is 12%, then together with insurance it will increase to 12.5-13%. The full amount of the loan is indicated in the repayment schedule, but you will also have to add the amount of insurance premiums to these values.

For example, the interest rate on a loan together with payment of insurance is 13%. This means that about 1% goes to paying for the insurance policy. If the client refuses to take out insurance with Sberbank and chooses another institution, the rate increases to 13.25%. But, if a third-party bank offers insurance on more favorable terms that cover Sberbank’s interest premium for refusing the service, it makes sense to get insurance there.

About the need for insurance

The law states that voluntary insurance is not among the necessary ones. But concluding a mortgage agreement implies simultaneous registration of insurance.

This is explained by the fact that the rules for obtaining insurance upon receipt of ownership of residential premises are regulated by separate laws on mortgages. Home insurance is thus pledged and must be taken out without fail. Therefore, the question of whether mortgage insurance is mandatory at Sberbank should be answered in the affirmative. Another thing is that the client can choose an insurance company for a home loan at Sberbank at his own discretion. But this will be unprofitable, since the bank will increase the annual interest. In addition, it is necessary to check that the selected organization is on the list of those accredited by Sberbank, otherwise the bank will not accept the document.

Mortgage insurance from Sberbank really allows you not to worry about the safety of your home. Therefore, it is advisable to apply for it for those who received a mortgage loan from the same large and reliable bank.

When purchasing a “Home Protection” policy, the client purchases an insurance product that allows you to protect:

Insurance price

How much does insurance cost in a bank office and online? Depending on the policy purchase option, its cost will vary. It is more profitable to purchase insurance online, on the official website of the Sberbank company.

Table 1: “Cost of policies when purchased at a bank office.”

The price of the policy is fixed and does not depend on the services included in it. In Sberbank Insurance, insurance differs only in the amount of insurance coverage.

REFERENCE. All risks that are included in the list of the insurance contract are already included in any of the packages. The client cannot adjust the cost of the service or the list of coverage items.

Table 2: “The cost of the policy when issued online.”

When purchasing an online policy, the client receives an electronic version of the document by email, which is analogous to purchasing a “boxed product” at a bank office. The type of insurance taken out does not affect the quality of the services provided.

Difference between private and commercial housing

To buy a Home Protection policy, you only need a passport and property information. The purchaser of the insurance may be a third party, but it is recommended that the homeowner be named as the beneficiary.

You can only insure property that is the property of an individual. Individual entrepreneurs cannot purchase insurance to protect the territory that is used as part of their business activities.

Office decoration

When purchasing a policy from a bank, the policyholder must take a passport and property information. It is important that payment for the policy is made immediately after all documents are completed. The purchasing process takes no more than 10 minutes.

Program selection

The manager introduces the client to the insurance conditions so that the client can choose a program that meets the necessary protection conditions:

1. the protection program includes all types of risks;
2. The policy is valid for 1 year;
3. the amount of insurance coverage depends on the amount of insurance;
4. it is allowed to purchase insurance by a third party - the policyholder - in favor of the beneficiary, the owner of the property.

ATTENTION! If the apartment is divided into several owners, for example, each of them owns a room, the insurance is not divided into several objects. The policy is issued for an entire apartment or a private house.

In the event of an insured event, only the owner of the premises can take advantage of the protection, even if the policy was purchased by the tenant or relative.

Cost calculation

The client chooses the amount for which he wishes to insure his apartment or household property. It is not possible to adjust the amount of insurance coverage by excluding or adding insurance risks at Sberbank. Therefore, it is recommended to choose the option that optimally covers possible risks (financially).

The minimum insurance amount when purchasing a policy at a bank office is 2.5 thousand rubles, with a coverage amount of 600 thousand rubles.

Application form

The manager draws up a policy: enters the name and address of the beneficiary in a mini-questionnaire inside the “boxed product”, and indicates a contact phone number.

Sberbank does not provide for a standard agreement with individual conditions, since the client does not have the opportunity to exclude or add risks at his own discretion. A variant of the contract is a completed questionnaire, which is contained in “pure” form in each of the “boxed products”.

An application form is an analogue of a contract on a general basis, offered by 9/10 insurance companies with a fixed amount of payment and protection.

Additionally, the policy specifies the insurance conditions: what protection options the insurance company offers, how payment is made, activation methods and other features.

Payment document

The client signs the policy and pays for the purchase. At Sberbank you can pay for insurance using a bank card, in cash or by debiting from the client’s account. Payment is made without commission.

IMPORTANT! Home Protection insurance must be activated within 14-30 days of purchase. Without activation, if an insured event occurs, the service is considered provided, but no compensation will be made to the beneficiary.

The purchase of a policy is carried out according to a simplified scheme: The sending of papers is handled by the office manager, who scans (or keeps a copy of) the receipt for payment for the purchase. The client only needs to activate the service.

Online purchase

Bank clients can purchase a “Home Protection” policy on the Sberbank website (http://www.sberbank.ru).

Methods for activating the policy

The policyholder can activate the policy in 2 ways: by calling Sberbank Insurance 8-800-555-555-57 or on the company’s website https://activation.sberbank-insurance.ru/prodactiv/index.html.

By phone

Without activation, the beneficiary will not be able to take advantage of financial protection in the event of an insured event. It's easy to activate your policy:

1. After dialing the number, the buyer gets to the operator, who requires information about the contract from him: the name of the policyholder, address, policy number (indicated in the form inside the “box”, or sent by mail in electronic format), the amount of insurance.
2. After specifying all the data, the policy becomes active and is valid for 1 year.

REFERENCE. The online policy becomes active only on the 15th day after purchase.

On the site

It’s easy to activate your policy on the website:

Insurance from Sberbank allows you to protect property from 90% of risks. The client can buy insurance without leaving home, or purchase the service at the nearest branch. It is possible to purchase the policy “as a gift” by third parties, but only the owner of the property can use the program.

With the Home Protection policy, your apartment or house will be insured against the most common risks, and your liability to your neighbors will also be insured (if they are harmed while operating your property).

Apply for mortgage insurance online

With a mortgage insurance policy, your apartment or house is insured against the most common risks, as well as in case of loss of title.

Insurance of bank cards online

Do you want to be sure of the safety of your money and protect it from intruders? Get comprehensive insurance protection for funds on bank cards!

Insurance services under the Insurance Programs Protection of Loved Ones and Head of Family are provided by Sberbank Life Insurance LLC, 115162, Moscow, st. Shabolovka, 31G, tel. +7 800 555 5595 (24 hours a day, calls within Russia are free). License for insurance SL No. 3692 (type of activity - voluntary personal insurance, with the exception of voluntary life insurance) issued on March 5, 2015 by the Bank of Russia (for an indefinite period). Official site www.sberbank-insurance.ru
Insurance services under the Insurance Programs: Travel Insurance, Home Protection, Card Protection, Mortgage Insurance are provided by Sberbank Insurance LLC, 115093, Moscow, st. Pavlovskaya, house 7, tel. +7 800 555 5557, (opening hours: Monday - Friday from 9:00 to 19:00 Moscow time), licenses of the Bank of Russia for voluntary property insurance SI No. 4331 and for voluntary personal insurance, with the exception of voluntary life insurance SL No. 4331 , issued by the Bank of Russia on August 05, 2015 for an indefinite period). Official website sites www.sberbankins.ru .
The formation and purchase of insurance policies is carried out on the official website of the Insurer providing the insurance service.
More detailed information about insurance policies, a list of insurance risks, exceptions to insurance coverage, the procedure for determining the sum insured and the amount of insurance payment (including limits of insurance liability), the conditions for concluding an insurance contract, as well as other insurance conditions can be found on the websites