When strahuesh suburban real estate is very important to understand what benefits will be calculated when the insured event. When calculating the sum insured, the insurance company relies on data like cost of construction Building on the same territory. You can also calculate and premium – must be insured amount is multiplied by the average insurance rate – 0.65%. For example, if your sum insured – 1 million rubles, a premium of 6.5 thousand rubles per year. That is, the more you paid fees – the higher you will be paid by the insured amount.
Insurance rates are generally equal in all regions, but the payments are different. This is due to the fact that the cost of building materials and work in different areas and different cities of Russia. For example, in Moscow the highest insurance premiums. The decision on the amount of payments on the insured event takes an insurance company representative. In Depending on the case, he may do so either remotely, or having left the place where he can conduct an inventory and, in the special tariffs that take into account depreciation and other factors that will calculate the amount of payments.
In the event that estimate the company's representative will seem too low, you have the right to appeal to an independent appraiser. When you choose a program to express insurance agent will not be for you to go and assess the damage to phone (can also request a photo.) The essence of express insurance that you buy (usually one year) policy, with limited than with individual insurance payments. Private insurance considered to be more flexible and provides your personality and wishes. For example, you can insure your cottage for the winter only, if you are afraid to leave it unattended. It is usually assumed that the amendments premiums are always lower insurance premiums. It is not always so easy to understand that the maximum amount of payment you will receive only in the case of total destruction of your property. In other cases, the amount will be proportionate to the damage.