[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.inton.cz\/pojisteni-domacnosti-muze-byt-standardni-ale-i-doplnkove-ci-tzv-luxusni\/#Article","mainEntityOfPage":"https:\/\/www.inton.cz\/pojisteni-domacnosti-muze-byt-standardni-ale-i-doplnkove-ci-tzv-luxusni\/","headline":"Poji\u0161t\u011bn\u00ed dom\u00e1cnosti m\u016f\u017ee b\u00fdt standardn\u00ed, ale i dopl\u0148kov\u00e9, \u010di tzv. luxusn\u00ed","name":"Poji\u0161t\u011bn\u00ed dom\u00e1cnosti m\u016f\u017ee b\u00fdt standardn\u00ed, ale i dopl\u0148kov\u00e9, \u010di tzv. luxusn\u00ed","description":"Z\u00e1kladn\u00edm poji\u0161t\u011bn\u00edm se rozum\u00ed takov\u00e1 pojistka dom\u00e1cnosti, jej\u00ed\u017e vybaven\u00ed je standardn\u00ed. P\u0159i sjedn\u00e1v\u00e1n\u00ed pojistky se berou obecn\u011b v\u00a0potaz jednotliv\u00e9 fragmenty dom\u00e1cnosti a jej\u00ed vybaven\u00ed a na v\u0161e se vztahuj\u00ed ur\u010dit\u00e9 limity pln\u011bn\u00ed pojistky. U z\u00e1kladn\u00edho poji\u0161t\u011bn\u00ed se ov\u0161em bere v\u017edy dom\u00e1cnost jako jeden celek, probl\u00e9m m\u016f\u017ee nastat u v\u011bc\u00ed nadstandardn\u00ed hodnoty. Za standardn\u00ed hodnotu se […]","datePublished":"2024-10-03","dateModified":"2024-10-03","author":{"@type":"Person","@id":"https:\/\/www.inton.cz\/author\/#Person","name":"","url":"https:\/\/www.inton.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/cbcb92d2d459f60d1dc08d6e5973c6b0ed1017e8a3b51da0599e03841cfa81e6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/cbcb92d2d459f60d1dc08d6e5973c6b0ed1017e8a3b51da0599e03841cfa81e6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"inton.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.inton.cz\/wp-content\/uploads\/img_a308392_w2430_t1519471898.jpg","url":"https:\/\/www.inton.cz\/wp-content\/uploads\/img_a308392_w2430_t1519471898.jpg","height":0,"width":0},"url":"https:\/\/www.inton.cz\/pojisteni-domacnosti-muze-byt-standardni-ale-i-doplnkove-ci-tzv-luxusni\/","wordCount":378,"articleBody":"Z\u00e1kladn\u00edm poji\u0161t\u011bn\u00edm se rozum\u00ed takov\u00e1 pojistka dom\u00e1cnosti, jej\u00ed\u017e vybaven\u00ed je standardn\u00ed. P\u0159i sjedn\u00e1v\u00e1n\u00ed pojistky se berou obecn\u011b v\u00a0potaz jednotliv\u00e9 fragmenty dom\u00e1cnosti a jej\u00ed vybaven\u00ed a na v\u0161e se vztahuj\u00ed ur\u010dit\u00e9 limity pln\u011bn\u00ed pojistky. U z\u00e1kladn\u00edho poji\u0161t\u011bn\u00ed se ov\u0161em bere v\u017edy dom\u00e1cnost jako jeden celek, probl\u00e9m m\u016f\u017ee nastat u v\u011bc\u00ed nadstandardn\u00ed hodnoty. Za standardn\u00ed hodnotu se nap\u0159. pova\u017euj\u00ed b\u011b\u017en\u00e9 dom\u00e1c\u00ed spot\u0159ebi\u010de jako pra\u010dka, chladni\u010dka, televizor, po\u010d\u00edta\u010d apod. Do kategorie nadstandardn\u00edch v\u011bc\u00ed \u0159ad\u00edme nap\u0159. um\u011bleck\u00e1 d\u00edla jako obrazy, drah\u00e9 \u0161perky, luxusn\u00ed staro\u017eitn\u00fd n\u00e1bytek.V\u00fdhodou z\u00e1kladn\u00edho poji\u0161t\u011bn\u00ed je p\u0159edev\u0161\u00edm velmi rychl\u00e9 sjedn\u00e1n\u00ed na pobo\u010dce poji\u0161\u0165ovny, p\u0159\u00edpadn\u011b p\u0159\u00edmo v\u00a0dom\u00e1cnosti, nen\u00ed t\u0159eba \u017e\u00e1dn\u00e9 specifick\u00e9 posouzen\u00ed stavu objektu a jeho vybaven\u00ed a v\u00fdhodou je pochopiteln\u011b i n\u00edzk\u00e1 sazba pojistn\u00e9ho. Nev\u00fdhodou je v\u00fd\u0161e limit\u016f pojistn\u00e9ho pln\u011bn\u00ed, kter\u00e9 je d\u00e1no tabulkov\u00fdmi hodnotami a nemus\u00ed v\u017edy odpov\u00eddat po\u0159izovac\u00ed cen\u011b vybaven\u00ed dom\u00e1cnosti. V\u00a0posledn\u00ed dob\u011b je mo\u017en\u00e9 z\u00e1kladn\u00ed poji\u0161t\u011bn\u00ed sjednat tak\u00e9 on-line na p\u0159\u00edslu\u0161n\u00fdch webov\u00fdch str\u00e1nk\u00e1ch poji\u0161\u0165ovny skrze jednoduch\u00fd formul\u00e1\u0159 a lze vyu\u017e\u00edt i telefonn\u00edho kontaktu na poji\u0161\u0165ovac\u00edho specialistu.\tJak se vypo\u010d\u00edt\u00e1 v\u00fd\u0161e pojistn\u00e9ho?Pojistn\u00e9 pln\u011bn\u00ed, resp. jeho v\u00fd\u0161e, se v\u017edy stanov\u00ed v\u00a0pojistn\u00e9 smlouv\u011b. V\u00fd\u0161e pojistn\u00e9ho, kter\u00e9 je povinen klient hradit, je pak odvozena z\u00a0vypln\u011bn\u00e9ho dotazn\u00edku ohledn\u011b za\u0159\u00edzen\u00ed bytu a jeho vybaven\u00ed. V\u00fd\u0161i pojistn\u00e9ho ovliv\u0148uje mno\u017estv\u00ed spot\u0159ebi\u010d\u016f a vybaven\u00ed dom\u00e1cnosti a tak\u00e9 obytn\u00e1 plocha bytu, kter\u00e1 se vyn\u00e1sob\u00ed tzv. koeficientem \u00farovn\u011b vybaven\u00ed. V\u00fd\u0161e pojistn\u00e9ho se tak\u00e9 stanov\u00ed podle \u00farovn\u011b zabezpe\u010den\u00ed dom\u00e1cnosti proti kr\u00e1de\u017ei a loupe\u017ei, rozhoduje i beze\u0161kodn\u00fd pr\u016fb\u011bh poji\u0161t\u011bn\u00ed v\u00a0uplynul\u00fdch letech a tak\u00e9 lokalita, kde se dom\u00e1cnost nach\u00e1z\u00ed. Jin\u00e9 pojistn\u00e9 bude ve velk\u00fdch m\u011bstech, v\u00a0mal\u00fdch obc\u00edch bude pojistn\u00e9 pochopiteln\u011b levn\u011bj\u0161\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (2 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Poji\u0161t\u011bn\u00ed dom\u00e1cnosti m\u016f\u017ee b\u00fdt standardn\u00ed, ale i dopl\u0148kov\u00e9, \u010di tzv. luxusn\u00ed","item":"https:\/\/www.inton.cz\/pojisteni-domacnosti-muze-byt-standardni-ale-i-doplnkove-ci-tzv-luxusni\/#breadcrumbitem"}]}]