The insurance company "RESO-Garantia" has been carrying out insurance activities for more than 25 years and is one of the leaders in the Russian insurance market. The company offers clients property insurance programs to reliably protect real estate from robbery, fire, flooding and other unforeseen incidents.
Advantages of property insurance at RESO-Garantiya
At the end of 2015, the company took 3rd place among Russian insurance organizations in the property insurance segment, collecting RUB 3,163,807 thousand. bonuses and paying 584,296 thousand rubles. for insurance cases.
The authorized capital of IC "RESO-Garantia" is 10.85 billion rubles, and the company's reliability rating is assessed by the Expert RA agency as exceptionally high "A++" with a stable forecast. The company's insurance obligations regarding payments are guaranteed by reinsurance companies Munich Re, Hannover Re, Gen Re, SCOR, Partner Re. The number of RESO-Garantiya client base is more than 10 million individuals and legal entities.
Other advantages of insurance in IC "RESO-Garantia" include:
- the ability to insure a wide range of objects - apartments, houses, cottages, fences, swimming pools, greenhouses, technical equipment;
- payment of an insurance policy in installments;
- payment of insurance compensation within 15 days.
Insurance risks covered by the policy
All property insurance programs from RESO-Garantiya guarantee compensation for losses associated with the following insured events:
- fire, gas explosion, lightning strike;
- water damage;
- natural disasters (earthquake, inundation, flood, hurricane, storm, tsunami, tornado, rockfall, landslide, avalanche, hail, mudflow);
- robbery, burglary;
- damage associated with illegal actions of third parties;
- collision with foreign objects;
- terrorism.
Types of property insurance programs
IC "RESO-Garantia" offers several real estate insurance programs that differ in the objects of insurance. The list of insurance risks is identical for all programs.
"RESO-house"
This program was created to insure country property and provides insurance for such objects as:
- cottage, dacha;
- interior decoration;
- movable property;
- fencing, fencing;
- landscape structures.
"Policy without inspection"
The insurance product is designed to insure any country buildings worth up to 1 million rubles. To conclude a contract, a preliminary inspection of the property by a company representative is not required.
"Brownie"
This program is designed to insure an apartment, namely such structural elements as:
- walls, windows, doors, pipelines;
- covering walls, floors, ceilings;
- Built in furniture;
- heating, ventilation, sewerage, gas and water supply, surveillance and security systems;
- movable property (interior items, furniture, electronics, equipment, household appliances, dishes, tools, clothing).
In addition to the listed insurance items, the program provides life and health insurance for apartment residents against accidents, as well as civil liability insurance. Registration of the “Brownie” insurance program is possible in four options depending on the selected amount of insurance coverage - “Economy”, “Preferential”, “Express”, “Premium”.
Cost of property insurance programs
The table below provides approximate data on the cost of property insurance from RESO-Garantiya in Moscow as of 2017.
| The name of the program |
Insured risks |
Amount of insurance coverage, rub. |
Cost of insurance, rub./year |
| "RESO-house" |
fire, gas explosion, lightning strike; water damage; natural disasters; robbery, burglary; damage associated with illegal actions of third parties; collision with foreign objects; terrorism. |
house - 6,500,000; movement property - 500,000; bathhouse - 800,000; garage - 300,000; fence - 150,000. |
30 520
|
| "Policy without inspection" |
house - 500,000; movement property - 50,000; bathhouse - 250,000; utility block - 50,000. |
6 480
|
|
| "Brownie-Preferential" |
apartment design - 1,500,000; finishing - 300,000; movement property - 300,000; |
3 000
|
|
| "Brownie-Economy" |
apartment design - 3,000,000; finishing - 450,000; movement property - 300,000; citizen liability - 300,000. |
6 000
|
|
| "Brownie-Express" |
apartment design - 7,000,000; finishing - 700,000; movement property - 600,000; citizen liability - 1,200,000. |
9 800
|
|
| "Brownie-Premium" |
apartment design - 10,000,000; finishing - 1,200,000; movement property - 1,000,000; citizen liability - 1,700,000. |
17 000
|
The Resogarant company appeared on the insurance market in 1991. It was then that the boom in the creation of private companies began, because the USSR with its state economy was already practically disintegrating and new forms of management were emerging.
About company
Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:
APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.
It's fast and FOR FREE!
The company has constantly developed and expanded the range of services it provides for legal entities and individuals. Today, the company with a 26-year history of success is considered one of the most stable in Russia. Over the course of its existence, it has become an international corporation: insurance companies are represented in Belarus, Armenia and Kazakhstan.
The range of services provided is extremely wide (more than 100 products).
The main areas of insurance activity are:
- property insurance for individuals and legal entities;
- insurance for tourists going on a long journey;
- health insurance;
- CASCO and OSAGO for all Russian motorists;
- life and health insurance of citizens.
The company has repeatedly become a laureate of Russian recognition awards among insurance companies, received other prizes for its merits and good offers for clients. The reputation of IC "Reso" is impeccable, because there have never been delays in paying insurance compensation to clients.
Products
The Reso company is mainly engaged in insuring real estate of citizens of the Russian Federation. Let us consider in detail how insurance of dachas and houses is carried out.
The list of insured events that are provided for by the norms of the company’s insurance contracts includes:
- emergency situations (lightning strike, domestic gas explosion);
- fire;
- natural disasters;
- flooding, consequences of rainfall;
- illegal actions of third parties, robberies, burglaries;
- consequences of an accident.
There are several options for insuring houses and summer cottages (depending on the list of insurance risks, the consequences of which are compensated by insurers):
In the area of home and garden insurance, the company has developed several software products. Among them is the Resodom insurance policy.
Under this program you can insure:
- dachas, garden houses;
- cottages outside the city;
- fences;
- utility rooms in the yard;
- bath rooms;
- fences and fences.
- select a risk package (for example, No. 3);
- We note (or not) the possibility of insurance against terrorist attacks;
- write down the name of the region in which the property is located (for example, Kemerovo region);
- we indicate the objects of insurance (the main building with an estimated value of 100,000 rubles, outbuildings with an estimated value of 15,000 rubles);
- we specify the features of the house and living conditions (we put marks. Let’s say the client wants to insure a brick house);
- set the deductible amount (optional).
The insured amount will be approximately 483 rubles.
It is also possible to issue a product called “Policy without inspection”. What is its essence? To obtain insurance, there is no need to visit the Reso insurance agent to the location of the property.
Other benefits of insurance are:
- It is possible to obtain protection for three buildings located at the same address. It is important to take into account that the cost of each building cannot exceed 1,000,000 rubles;
- The policy period will begin 7 days after the document is issued;
- the insurance company will only allow you to complete the contract if you provide 2 photographs;
- It is possible to obtain home insurance online without visiting the company’s office.
To insure apartments, the company offers to take out a “Brownie” insurance policy (there are 4 types).
You can insure the following:
- apartment designs;
- finishing;
- engineering and technical equipment and movable property located inside the insured real estate;
- health and life of persons who live in the apartment;
- civil liability to neighbors for harm caused to them.
The company offers powerful protection against such risks:
- man-made accidents;
- natural disasters;
- actions of third parties with the aim of causing damage to structures or property of the owners;
- falling objects or collision with vehicles (for example, the apartment is located on the ground floor near the roadway).
Now let's look at the conditions of each package in more detail, because there are differences among them.
So, the “Brownie Preferential” program provides the opportunity to insure:
- apartment structures with an area of no more than 100 square meters with coatings up to 1,500,000 rubles;
- finishing and interior doors for no more than 300,000 rubles;
- property of the owners and technical systems of the apartment (up to 300,000 rubles);
- civil liability to neighbors.
The insurance premium will be 3,000 rubles per year.
The House Economy package provides the possibility of insuring the same elements, but there are some differences:
- the amount of insurance coverage for apartment structures has been increased to 2,100,000 (outside Moscow) and 3,000,000 rubles;
- the insurance limit for finishing elements has been increased to 450,000 Russian rubles;
- the cost of the policy will be 4500 or 6000 rubles.
The House Express policy offers the company's clients a choice of design options and, accordingly, coverage amounts.
In the first option there is an opportunity:
- insure the structures of an apartment with an area of up to 120 square meters with coverage of up to 7,000,000 rubles;
- finishing elements worth up to 700,000 rubles;
- technical systems and property of citizens with guaranteed coverage of up to 600,000 Russian money;
- liability to neighbors is covered up to 1,200,000 rubles.
The price of this insurance option is 9800 rubles.
The second option provides for slightly reduced amounts of risk insurance coverage:
- no more than 5,000,000 (structures);
- up to 500,000 (finishing, doors);
- maximum 450,000 in case of damage to property and technical systems of the apartment;
- civil liability is insured for up to 600,000 rubles.
The Reso company offers the most favorable conditions to its own clients as part of the Domovoy Premium service package.
Again, the client can choose one of two interesting options for receiving insurance compensation. Option #1 is:
- insurance of structures without area limitation with compensation up to 15,000,000 rubles;
- risk insurance for finishing surfaces with damage coverage in the amount of up to 2,000,000;
- protection of technical systems and property (movable) of apartment residents in the amount of up to 1,500,000;
- civil liability insurance for neighbors on the floor and below with coverage up to 3,000,000 rubles.
The cost of such a policy is 35,000 rubles per year.
Option No. 2 provides for the protection of the same elements of the apartment and payment of civil liability with the following reservations:
- the area of insured structures cannot exceed 150 square meters, and the amount of coverage is 10,000,000;
- the maximum compensation for damage caused to the finishing cannot be more than 1,200,000;
- liability to neighbors is covered by a maximum amount of 1,700,000;
- if something happened to the property or technical systems of the apartment, the owner will receive a maximum of 1,000,000 as compensation.
The cost of purchasing such a policy is 27,000 rubles.
Rules
It is impossible to list all the insurance rules in a short article. Let's mention just a few of them:
- The list of insurance risks is specified in the insurance contract and is exhaustive, therefore the policyholder has no right to claim compensation for any other reasons.
- The validity period of any policy is 1 year.
- The company issues insurance for objects located exclusively on the territory of the Russian Federation.
- The contract is concluded only if all necessary documents are provided.
- The coverage area of a specific policy is specified in the contract.
- The insurance contract loses legal force in the following cases:
- full fulfillment of obligations;
- expiration of its validity period;
- liquidation of an insurance company;
- death of the person who insured the property;
- by mutual desire;
- in case of recognition of the invalidity of the contract;
- The maximum amounts of insurance compensation established in the text of the contract for specific objects are conditional. The amount of specific compensation is established based on the severity of the harm and the destructiveness of the consequences of the incident in the apartment.
How to obtain real estate insurance for individuals in RESO
To draw up an insurance contract you must:
- contact the company office;
- submit an application for an insurance policy online.
Further actions can develop as follows:
- the policy will be issued automatically after providing 2 photos of the object by email (private home insurance program “Policy without inspection”) and sent to the specified postal address after payment of the insurance premium is received in the company’s bank account;
- An insurance inspector will go to the specified address of the property to assess the property.
After completing the assessment activities, the policyholder will have to prepare a package of documents and visit the company’s office to sign the contract and receive the policy.
Required documents
To conclude an insurance contract you will need:
- compose, which is located on the object;
- to write an application;
- draw up a list of property that is insured, indicating the main technical characteristics of each part and cost;
- provide documents confirming ownership of the apartment and property (exchange agreement or certificate of inheritance, social tenancy agreement, agreements, acts or invoices for the acquisition of property (if any));
- provide a floor plan and other technical documents for the apartment (house);
- passport and identification code of the policyholder;
- a certificate with a list of people living in the apartment.
What is civil liability insurance for the operation of an apartment? What types of third party insurance are there? How does developer liability insurance work?
Hello, dear readers! Welcome to the HeatherBeaver website and its expert, Denis Kuderin.
In this issue we will look at an interesting and relevant topic - civil liability insurance. The article continues the series of publications devoted to insurance protection of citizens and legal entities.
The material will be useful to owners of commercial and residential property, motorists, homeowners and many other categories of citizens.
1. What is liability insurance?
In previous articles, we wrote about how to provide insurance protection for personal property. But often in unforeseen situations, damage is caused to someone else’s property or health.
In such cases, you can compensate for the losses of the victims from your own pocket, or you can go the other way - insure your civil liability. In this case, the costs will be paid not by the culprit of the accident, but by the insurance company.
(GO) is a separate branch of the insurance market. The object of protection under this type of insurance is the liability of the insured for causing damage to property, life and health of third parties.
Example
The Petrovs went to the dacha for the weekend. While they were resting, a pipe burst in their apartment. A neighbor's apartment on the lower floor was flooded with water. Fortunately, the Petrovs had a liability insurance policy. The losses of the victims were more than compensated by the insurance company. No one sued anyone, good neighborly relations were preserved, as were the finances of both parties.
True, civil defense insurance will not protect against administrative or criminal liability. If, for example, you are at fault for an accident, the policy will allow you to pay for the losses of the injured driver, but you will still have to be responsible for the occurrence of the emergency.
Insurance allows you to compensate for the following types of damage:
- damage to material property – the cost of restoration and repair and related expenses;
- personal damage – costs of treatment, rehabilitation, care;
- harm caused to the environment as a result of production or industrial activities;
- moral damage.
Purchasing a civil insurance policy is relevant for car owners, apartment owners, businessmen - that is, for almost all categories of citizens. The document protects you from unexpected expenses and, which is also important, saves your nerves.
Such insurance is especially necessary for residents of apartment buildings. In apartments where plumbing communications have not been updated for a long time, there is always a risk of an accident or leak.
What if your neighbors just renovated? What if water seeped through the ceiling and ruined expensive furniture? In both cases, insurance will compensate for the damage and eliminate long excuses. Although, of course, you still have to apologize for the inconvenience.
2. What is civil liability insurance - an overview of the TOP 7 types of insurance
Although the insurance industry we describe is relatively young, there are many types of liability insurance.
They can be divided into two large groups – voluntary and compulsory insurance. In the first case, everything is clear: the insurance contract is drawn up according to the goodwill and desire of the policyholder.
Things are more complicated with compulsory civil defense insurance. In essence, this is legalized coercion by the state of citizens and legal entities to take out policies with insurance companies. True, the law pursues a good goal - to protect the financial interests of persons injured in various types of unforeseen situations.
Examples of compulsory civil insurance are car insurance, travel insurance for people traveling to Schengen countries, insurance of hazardous industrial facilities - hazardous industrial facilities.
Let us consider in detail all types of civil liability insurance.
Type 1. Motor Vehicle Owners Insurance (MTPL)
Known to all vehicle owners, “automobile insurance” is a typical example of compulsory civil liability insurance. Under the MTPL agreement, damage caused to one driver due to the fault of another is compensated not by the culprit of the accident, but by the insurer.
True, there is a specific limit of insurance compensation under the MTPL policy. In 2019, it is equal to 400,000 rubles for material damage and 600 thousand for damage to health.
You will find more detailed information about car insurance in the publication "".
If you wish, you can compensate for more significant costs, but to do this you need to take out a DoSAGO policy - voluntary civil liability insurance. Such a document complements the compulsory motor liability insurance policy and comes into force if the damage exceeds the limits regulated by law.
Issues of purchasing insurance are covered in the articles “” and “”.
View 2.
Regardless of the transportation method used, transport companies (carriers) are responsible for the safety of cargo and passengers. There are uniform international standards that determine the limits of carrier liability.
First of all, these standards concern the liability of air carriers and shipowners. Railroad workers and trucking companies have their own legal obligations.
Insurance situations are considered:
- causing harm to the health of passengers and their lives;
- damage to luggage;
- loss or damage to cargo;
- delay in delivery of cargo or passengers due to the fault of the carrier;
- damage to third parties as a result of an incident involving the carrier.
Insurers are legal entities that own or lease vehicles.
The insurer is released from payment obligations if the situation arose due to violation by the policyholder of the rules and conditions of transportation.
There will also be no compensation if the carrier violated fire protection standards or the damage was caused by force majeure factors.
For more information, see the article "".
View 3. Environmental Risk Insurance
This type of insurance provides protection for the policyholder's liability for risks associated with negative impacts on the environment.
Such agreements are drawn up by owners who own hazardous facilities - power plants, mines, oil refineries and chemical plants, tankers, factories for the production of explosives and toxic substances.
If a leak, accident, or man-made disaster occurs due to the owner’s fault, the insurer will bear the costs. Since the insured amounts in these situations can be quite significant, the insurer’s services will not be cheap.
Therefore, only large international insurance companies are engaged in insuring environmental risks. Such activities are regulated by environmental laws in force in the territory of a particular state.
In Russia, the protection of environmental risks for hazardous production facilities is mandatory. There are about 300 thousand such industries in the Russian Federation. All of them must have compulsory civil liability insurance.
View 4. Liability insurance for manufacturers and sellers
Even three-time decorated and fully robotic production sometimes produces defective products.
The causes of production errors are numerous:
- violation of working conditions;
- omissions in the design and development stages of the product;
- use of low-quality consumables;
- human factor.
Damage in such situations is not only caused to the consumer. The manufacturer himself suffers large losses.
To protect itself from unexpected expenses associated with the production and sale of defective goods, the company enters into an insurance contract, the validity period of which is usually equal to the warranty period of the product being sold. The insurers in such contracts are either commodity producers or sellers.
View 5. Professional liability insurance
The essence of this type of insurance is most easily explained with a specific example.
Example
A private lawyer promised the client that he would help him win his case in court and charged a fee for his services. However, as a result of unforeseen circumstances, it was lost, the client suffered property losses and sent a claim to the human rights defender.
Fortunately for his pocket, the prudent lawyer took out professional liability insurance, and the client’s costs were paid by the insurer.
This type of insurance is carried out exclusively for individuals engaged in private professional activities. The service is relevant for lawyers, brokers, dealers, appraisers, doctors, and private detectives.
View 6. Developer civil liability insurance
In the Russian Federation, civil insurance for the developer is a mandatory procedure. Such insurance helps to return the funds spent to investors and shareholders or even provide them with living space in the event of bankruptcy and ruin of the construction company.
The law came into force in January 2014: from now on, developers can take money in advance from clients only if they have a liability insurance policy to shareholders.
View 7. Insurance for default
Quite a rare type of voluntary insurance. Such a policy is purchased by borrowers who fear that they will not be able to repay the loan in full and on time. In this case, the insured amount is not equal to the loan, but is only part of it (80-90%).
The table shows the types of civil defense insurance clearly:
№ Kinds Peculiarities 1 Car owners insurance Mandatory procedure for all car owners 2 Protects the liability of transport companies for passengers and cargo 3 Environmental Risk Insurance For hazardous enterprises - a mandatory procedure 4 Manufacturers Insurance Liability protection for manufacturing defects 5 Professional Risk Insurance Practiced by private individuals 6 Developer Civil Insurance Mandatory procedure since 2014 7 Insurance for default Practiced by debtors to banks
A new type of compulsory insurance has been introduced in the Russian Federation in accordance with Federal Law No. 67-FZ of June 14, 2012 “On compulsory insurance of civil liability of a carrier for damage to life, health, property of passengers and on the procedure for compensation for such damage caused during the transportation of passengers by metro "
In accordance with the Federal Law, all organizations (regardless of their form of ownership) and individual entrepreneurs are required to insure their liability to passengers if:
1. Are engaged in the transportation of passengers, including off-street transport ( passenger transport that carries out regular transportation of passengers along routes isolated from highways within the boundaries of populated areas, between nearby populated areas or from populated areas to transport, trade, industrial facilities, cultural, recreational, sports and similar facilities), with the exception of the metro and passenger taxis of category “B”).
2. Transportation activities are regulated by the relevant transport charter or code:
The compulsory insurance policy guarantees passengers compensation for damage caused to their life, health or property during transportation on the following types of transport:
Rail transport (suburban, long-distance, international transport)
air transport (domestic and international planes and helicopters)
sea transport
inland water transport
bus transportation (intracity, suburban, intercity and international transportation)
urban electric transport (trolleybuses and trams)
light metro and monorail transport
The fine for the carrier not having a policy (Article 11.31 of the Code of Administrative Offenses) will be:
Organization - in the amount of 500 thousand to 1 million rubles
Official - in the amount of 40 to 50 thousand rubles.
After concluding an insurance contract, the carrier must provide passengers with information about the insurer and the concluded compulsory insurance contract: the name of the insurer, its location, postal address, telephone number, as well as the number, date of conclusion, and validity period of the insurance contract.
Information must be posted in all ticket sales places (including in the vehicle, if tickets are sold directly there) and on the carrier’s official website on the Internet.
Penalty for failure to provide passengers with information about the insurer and the compulsory insurance policy:
Organization - in the amount of 10 thousand to 30 thousand rubles
Official - from 1 thousand to 3 thousand rubles.
