{"id":1838,"date":"2018-08-01T22:19:55","date_gmt":"2018-08-01T20:19:55","guid":{"rendered":"https:\/\/stalo-se.cz\/?p=1838"},"modified":"2018-08-01T22:19:55","modified_gmt":"2018-08-01T20:19:55","slug":"chrani-si-cesi-svuj-majetek","status":"publish","type":"post","link":"https:\/\/stalo-se.cz\/?p=1838","title":{"rendered":"Chr\u00e1n\u00ed si \u010ce\u0161i sv\u016fj majetek?"},"content":{"rendered":"

To je velmi dobr\u00e1 ot\u00e1zka. Pr\u016fzkumy n\u00e1m ukazuj\u00ed, \u017ee \u010ce\u0161i jsou zodpov\u011bdn\u00ed. Sv\u00e9ho majetku si s nads\u00e1zkou cen\u00ed je\u0161t\u011b v\u00edce ne\u017e zdrav\u00ed. Ob\u010das se ale p\u0159i sjedn\u00e1v\u00e1n\u00ed poji\u0161t\u011bn\u00ed dopou\u0161t\u011bj\u00ed chyb. Nap\u0159\u00edklad si ob\u010das spletou poji\u0161t\u011bn\u00ed<\/a> dom\u00e1cnosti a nemovitosti. V\u00a0z\u00e1sad\u011b je rozd\u00edl v\u00a0tom, \u017ee poji\u0161t\u011bn\u00ed nemovitosti kryje konkr\u00e9tn\u00ed vybranou nemovitost \u2013 t\u0159eba podlahu nebo zdi. Poji\u0161t\u011bn\u00ed dom\u00e1cnosti potom kryje vybaven\u00ed dom\u00e1cnosti, neboli v\u0161echno co se v\u00a0dom\u00e1cnosti nach\u00e1z\u00ed.<\/p>\n

Popis poji\u0161t\u011bn\u00ed<\/h2>\n

V\u011bd\u011bt, co v\u0161echno si pojistit je tedy velmi d\u016fle\u017eit\u00e9. Do skupiny dom\u00e1cnosti pat\u0159\u00ed nap\u0159\u00edklad tak\u00e9 elektronika, n\u00e1bytek nebo dokonce oble\u010den\u00ed. I to znamen\u00e1 v\u00a0p\u0159\u00edpad\u011b ztr\u00e1ty velkou finan\u010dn\u00ed nep\u0159\u00edjemnost. Zvl\u00e1\u0161t\u011b pak, pokud jste m\u00f3dn\u00ed guru. Ne\u017ee\u0148te se ani za co nejlevn\u011bj\u0161\u00edch poji\u0161t\u011bn\u00edm. To m\u016f\u017ee m\u00edt v\u00a0z\u00e1kladu velmi m\u00e1lo v\u00fdhod a nav\u00edc je mo\u017en\u00e9 nemovitost doslova podplatit. Doch\u00e1z\u00ed k\u00a0tomu, je-li nemovitost<\/a> \u0161patn\u011b ocen\u011bna. P\u0159esnou hodnotu byste tak m\u011bli zn\u00e1t i vy sami.<\/p>\n

N\u011bkter\u00e9 poji\u0161\u0165ovny podpoji\u0161t\u011bn\u00ed dokonce i penalizuj\u00ed. Dal\u0161\u00edm probl\u00e9mem je opa\u010dn\u00e1 situace, kdy dojde k\u00a0p\u0159epoji\u0161t\u011bn\u00ed. Neboli nadhodnocen\u00ed va\u0161\u00ed nemovitosti. Na pap\u00ed\u0159e sice vypad\u00e1 dob\u0159e, poji\u0161\u0165ovny si to ale velmi dob\u0159e hl\u00eddaj\u00ed. V\u00a0p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti tak k\u00a0vyplacen\u00ed \u010d\u00e1stky nedojde.<\/p>\n

\"\"<\/p>\n

Poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/h2>\n

Takov\u00e9 poji\u0161t\u011bn\u00ed odpov\u011bdnosti se hod\u00ed i v dal\u0161\u00edch p\u0159\u00edpadech. Nap\u0159\u00edklad pracujete-li s\u00a0pen\u011bzi. Nepozornost se m\u016f\u017ee st\u00e1t ka\u017ed\u00e9mu, a takov\u00e9 manko je na konci dne rozhodn\u011b nep\u0159\u00edjemnou z\u00e1le\u017eitost\u00ed. Stejn\u011b tak zni\u010d\u00edte-li majetek nedopat\u0159en\u00edm druh\u00e9 osob\u011b. Je jedno, zda je to n\u011bkdo \u00fapln\u011b ciz\u00ed, rodinn\u00fd p\u0159\u00edslu\u0161n\u00edk nebo kolega z\u00a0pr\u00e1ce. M\u00e1te-li jistotu, \u017ee jsou takov\u00e9 situace chr\u00e1n\u011bny, bude se v\u00e1m us\u00ednat l\u00e9pe.<\/p>\n

Cena za takov\u00e9 poji\u0161t\u011bn\u00ed je velmi v\u00fdhodn\u00e1 a u\u0161et\u0159it m\u016f\u017ee mnoho probl\u00e9m\u016f. Zjist\u011bte si o n\u011bm v\u00edce na https:\/\/ergo.cz<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

To je velmi dobr\u00e1 ot\u00e1zka. Pr\u016fzkumy n\u00e1m ukazuj\u00ed, \u017ee \u010ce\u0161i jsou zodpov\u011bdn\u00ed. Sv\u00e9ho majetku si…<\/p>\n","protected":false},"author":1,"featured_media":1840,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[7],"tags":[],"class_list":["post-1838","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bydleni"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/posts\/1838","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1838"}],"version-history":[{"count":0,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/posts\/1838\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/media\/1840"}],"wp:attachment":[{"href":"https:\/\/stalo-se.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1838"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1838"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1838"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}