[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.oskrebul.cz\/jaky-je-rozdil-mezi-pojistenim-domacnosti-a-nemovitosti\/#Article","mainEntityOfPage":"https:\/\/www.oskrebul.cz\/jaky-je-rozdil-mezi-pojistenim-domacnosti-a-nemovitosti\/","headline":"Jak\u00fd je rozd\u00edl mezi poji\u0161t\u011bn\u00edm dom\u00e1cnosti a nemovitosti?","name":"Jak\u00fd je rozd\u00edl mezi poji\u0161t\u011bn\u00edm dom\u00e1cnosti a nemovitosti?","description":"Poji\u0161t\u011bn\u00ed majetku hodn\u011b lid\u00ed podce\u0148uje. Faktem ale z\u016fst\u00e1v\u00e1, \u017ee v\u00e1s nep\u0159ijde draho. Naopak, kdy\u017e to zanedb\u00e1te, m\u016f\u017ee v\u00e1s to st\u00e1t i miliony korun. N\u00e1klady na opravy po z\u00e1sahu blesku, z\u00e1plav\u011b nebo vloup\u00e1n\u00ed toti\u017e nemus\u00ed b\u00fdt v\u016fbec mal\u00e9. Stejn\u00e9 probl\u00e9my ale budete m\u00edt u \u0161patn\u011b vytvo\u0159en\u00e9 smlouvy. Je proto d\u016fle\u017eit\u00e9 si na n\u011bkolik v\u011bc\u00ed d\u00e1t skute\u010dn\u011b […]","datePublished":"2020-01-25","dateModified":"2023-05-09","author":{"@type":"Person","@id":"https:\/\/www.oskrebul.cz\/author\/#Person","name":"","url":"https:\/\/www.oskrebul.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"oskrebul.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.oskrebul.cz\/wp-content\/uploads\/img_a378905_w3094_t1590132392.jpg","url":"https:\/\/www.oskrebul.cz\/wp-content\/uploads\/img_a378905_w3094_t1590132392.jpg","height":0,"width":0},"url":"https:\/\/www.oskrebul.cz\/jaky-je-rozdil-mezi-pojistenim-domacnosti-a-nemovitosti\/","about":["Pen\u00edze"],"wordCount":401,"articleBody":"         Poji\u0161t\u011bn\u00ed majetku hodn\u011b lid\u00ed podce\u0148uje. Faktem ale z\u016fst\u00e1v\u00e1, \u017ee v\u00e1s nep\u0159ijde draho. Naopak, kdy\u017e to zanedb\u00e1te, m\u016f\u017ee v\u00e1s to st\u00e1t i miliony korun. N\u00e1klady na opravy po z\u00e1sahu blesku, z\u00e1plav\u011b nebo vloup\u00e1n\u00ed toti\u017e nemus\u00ed b\u00fdt v\u016fbec mal\u00e9. Stejn\u00e9 probl\u00e9my ale budete m\u00edt u \u0161patn\u011b vytvo\u0159en\u00e9 smlouvy. Je proto d\u016fle\u017eit\u00e9 si na n\u011bkolik v\u011bc\u00ed d\u00e1t skute\u010dn\u011b dobr\u00fd pozor. Jinak se to nemus\u00ed vyplatit. Smlouva se ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f vytv\u00e1\u0159\u00ed ihned p\u0159i nabyt\u00ed majetku. Na objekt \u00fav\u011bru (byt, d\u016fm i chata, ke kter\u00e9 se vztahuje hypot\u00e9ka) m\u016f\u017eete uzav\u0159\u00edt dv\u011b varianty. Poji\u0161t\u011bn\u00ed dom\u00e1cnosti a nemovitosti. Hodn\u011b lid\u00ed si mysl\u00ed, \u017ee pot\u0159ebuj\u00ed jen jedno, ale nen\u00ed to pravda. Nejlep\u0161\u00ed je m\u00edt ob\u011b dv\u011b, proto\u017ee ka\u017ed\u00e1 z mo\u017enost\u00ed obsahuje jin\u00e9 polo\u017eky. Nemovitost Zde se jedn\u00e1 za finan\u010dn\u00ed ochranu samotn\u00e9 budovy. Poji\u0161t\u011bn\u00ed se proto vztahuje na po\u0161kozen\u00ed st\u011bn, oken, strop\u016f apod. Na vybaven\u00ed se ale v\u016fbec nevztahuje. Je dobr\u00e9 v\u011bd\u011bt, \u017ee k t\u00e9to smlouv\u011b m\u016f\u017eete p\u0159ipojit i dal\u0161\u00ed stavby na pozemku. Zahrnout tam m\u016f\u017eete gar\u00e1\u017e, baz\u00e9n i stodolu, ale tak\u00e9 chatu. Sou\u010d\u00e1st\u00ed se automaticky st\u00e1vaj\u00ed tak\u00e9 ve\u0161ker\u00e9 in\u017een\u00fdrsk\u00e9 p\u0159\u00edpojky, kter\u00e9 se nach\u00e1z\u00ed na pozemku.   Dom\u00e1cnost Ochrana ve\u0161ker\u00e9ho vybaven\u00ed je ale stejn\u011b d\u016fle\u017eit\u00e1 jako zabezpe\u010den\u00ed samotn\u00e9 budovy. Spadaj\u00ed sem elektrospot\u0159ebi\u010de, n\u00e1bytek, hotovost, knihy, n\u00e1\u0159ad\u00ed a jak\u00e1koli dal\u0161\u00ed v\u00fdbava, kterou m\u00e1te doma, v gar\u00e1\u017ei nebo v kufru auta. Hlavn\u00edm nebezpe\u010d\u00edm se proto st\u00e1v\u00e1 kr\u00e1de\u017e. To ale nen\u00ed v\u0161echno. Oba druhy poji\u0161t\u011bn\u00ed jsou propojen\u00e9, ale z\u00e1rove\u0148 nemus\u00edte platit za v\u0161echny polo\u017eky. Uva\u017eujte nad re\u00e1ln\u00fdm nebezpe\u010d\u00edm Pokud uva\u017eujete o p\u016fj\u010dce, je nejlep\u0161\u00ed si zjistit re\u00e1ln\u00e1 nebezpe\u010d\u00ed, kolik budete platit, abyste se nedostali do finan\u010dn\u00ed pasti. Pot\u00e9 je to za\u010darovan\u00fd kruh, proto\u017ee z dluhov\u00e9 pasti se horko t\u011b\u017eko dostanete a m\u016f\u017eete se zadlu\u017eit na cel\u00fd \u017eivot a t\u00edm p\u00e1dem \u017e\u00edt z v\u00fdplaty m\u011bs\u00edc na m\u011bs\u00edc, co\u017e je velmi t\u011b\u017ek\u00e9.                                                                                                                                                                                                                                                                                                                                                                                          4.9\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak\u00fd je rozd\u00edl mezi poji\u0161t\u011bn\u00edm dom\u00e1cnosti a nemovitosti?","item":"https:\/\/www.oskrebul.cz\/jaky-je-rozdil-mezi-pojistenim-domacnosti-a-nemovitosti\/#breadcrumbitem"}]}]