Apartment insurance through Sberbank: reviews and features. Sberbank: property insurance. Reviews

Although we are talking in this article about Sberbank, most of what is written, except for the list of accredited insurance companies, is relevant for any Russian bank.

Insurance for items purchased (apartment, house, room, etc.), unlike personal insurance, is mandatory. This is directly stated in Article 31 of Federal Law No. 102 “On mortgage (pledge of property)”:

1. Insurance of property pledged under a mortgage agreement is carried out in accordance with the terms of this agreement. An insurance contract for property pledged under a mortgage agreement must be concluded in favor of the mortgagee (beneficiary), unless otherwise specified in the mortgage agreement or in the agreement giving rise to a mortgage by force of law, or in the mortgage.

2. In the absence of other conditions in the mortgage agreement on insurance of the mortgaged property, the mortgagor is obliged to insure at his own expense this property in full value against the risks of loss and damage, and if the full value of the property exceeds the amount of the obligation secured by the mortgage - for an amount not less than the amount of this obligation .

Actually, from this law it follows:

Housing purchased with a mortgage and pledged to the bank must be insured.
Compulsory insurance applies only to the risks of loss and damage to collateral (fire, natural disaster, damage to load-bearing structures, etc.)
The beneficiary under such an insurance agreement must be a bank. It is the bank that will receive the insurance payment if an insured event occurs. The amount of the borrower's debt will be reduced by the amount of the payment.
The amount for which the object must be insured (the insured amount) must be no less than the principal amount of the loan.
For example, an apartment costs 3 million rubles, the down payment will be 1.4 million rubles, and the loan amount, accordingly, will be 1.6 million rubles. This is the amount (no less) that needs to be insured for the apartment in the first year of the mortgage. This amount will then decrease as the mortgage is paid off.
You need to insure your property for the entire duration of the mortgage, as long as you pay it off and as long as the property is pledged to the bank. At the same time, the standard contract period for insurance companies is 1 year. Therefore, every year you need to conclude a new insurance contract.
The insured amount, as mentioned above, will decrease. Therefore, before renewing the insurance contract or concluding a new one, check with the bank about the exact amount of the principal debt on the mortgage.

The cost of insurance, or premium, is measured as a percentage of the sum insured, which, remember, is usually equal to the amount owed on the mortgage. The size of the insurance premium is also affected by the property itself.

For new brick houses it will be less, and for old Stalin buildings with wooden floors, naturally, more.

Ingosstrakh traditionally has some of the most attractive rates for mortgage property insurance. You can calculate the amount of insurance directly on the website.

If we take average figures, the insurance premium for this type of insurance is 0.3% -0.6% of the amount insured. Translated into rubles, it will be from 3,000 to 6,000 rubles. for every 1 million rubles. loan debt.

List of accredited insurance companies in Sberbank

Each bank has its own requirements for insurance companies, in which borrowers need to insure collateral real estate. Therefore, before purchasing a policy, be sure to check the list of insurance companies.

Below are the names of insurance companies accredited to insure collateral property with Sberbank. Not to be confused with!

Current as of February 2018:

"Liberty Insurance"
"Chulpan"
"Transnational insurance company"
"SF "Adonis"
"Insurance company "SDS"
"Insurance company "DIANA"
"Insurance Company "Helios"
"Insurance group "Spassky Gate"
"Sterkh"
"SOGAZ"
"SO "Surgutneftegaz"
"Sberbank insurance"
"RSHB-Insurance"
"Rosgosstrakh"
"RESO-Garantiya"
"REGIONGARANT"
"BET"
"Independent Insurance Group"
"National Insurance Company TATARSTAN"
"Ingosstrakh"
"Zetta Insurance"
"Renaissance Insurance Group"
"VSK"
"AlfaStrakhovanie"
"AIG"
"Absolute Insurance"

As you can see, the list is quite impressive - 26 companies, so you can easily select an insurance company on conditions that suit you.

Leave questions and feedback in the comments.

Sberbank has property insurance, deposits and credit programs for every taste. This company has developed many financial products to satisfy all the needs of the population in the field of banking services. However, the bank’s reputation as expensive, slow and problematic, which has developed over the past decades, gives rise to doubts - is it worth getting involved? Having chosen property from Sberbank, can you count on receiving money when an insured event occurs? Or is the company's reliability as an insurance company not up to par? This can be assessed by studying the reviews of those who have used the company’s services. It would not be superfluous to analyze the list of companies involved in property insurance (Sberbank).

For all occasions

The company has developed many programs, so you can insure anything and against a wide variety of dangers. By law, in a number of situations, an individual is required to take out property insurance, and the organization offers banking products for all these cases. For example, there is an insurance program for housing purchased on credit, purchased with a mortgage. However, this does not exhaust the variety of possibilities. As those who have already encountered an insured event say, it is even easier to receive payments from Sberbank than from many companies that deal only with insurance.

Special conditions

Some bank clients can count on special treatment and individual rates. This is provided for those who decide to purchase a premium package. The bank offers two options:

"Status";
"Prestige".

By taking advantage of this banking offer, the client not only gets access to Sberbank, but can also take advantage of special rates for obtaining travel insurance. This is especially true for frequent travelers abroad. If you believe the advertising brochures (and some reviews), property insurance at Sberbank allows you to leave any problems in the past and guarantee yourself comfort even when circumstances are stacked against a person.

Accreditation

Be sure to study the companies providing property insurance services at Sberbank (a list of them can be found on the organization’s website). Selecting an insurer is not an easy task and requires a responsible approach. It is important that the company has a good reputation, which would indicate its reliability. If suddenly an insured event does occur, it is important that the company immediately pays everything that is due in such a situation.

You need to understand that there are insurers who are not very careful about their obligations. But those who choose companies accredited by Sberbank are insured against such troubles, since this bank very carefully checks all partners.

Property: already purchased, but there is a loan

Special bank programs offer insurance not for the property itself, but for the credit program under which it was purchased. However, reviews about this program are mixed. Not everyone understands the essence of the proposal, so many are unhappy. People are convinced that the bank is simply trying to lure out more money.

Mortgage insurance from Sberbank for real estate is one of the options for such a loan program. Obtaining a policy allows you to protect yourself from unpleasant situations. There are quite a few different programs, so you can choose exactly what is most suitable for a particular client. If a person doubts which aspects are important to him, the company’s consultants come to the rescue.

The deposit is insured

When receiving a mortgage, any person is obliged to immediately insure the property for which the bank lends him money. This is where properties accredited by Sberbank come to the rescue - this is the program that is needed in this case). A house or apartment purchased under a mortgage program is insured against possible risks of damage and loss.

If an insured event does occur, the bank that issued the loan will receive the money under this program. For the client, the program is beneficial in the following way: the person is exempt from paying the loan if the housing “disappears.” Property insurance for a mortgage from Sberbank seems to be a fairly profitable program, but many prefer to work with accredited insurers. But be careful and compare price quotes so you don't end up with a company charging a commission.

Apartment under protection

Property insurance for a mortgage from Sberbank is not the only program that allows you to protect the property of an ordinary person. You can take out insurance for your own home even when it is not an obligation under a debt to the bank. This will protect him from troubles, and in the event of an insured event, it will become a safety net, a source of financial support with which he can overcome difficult circumstances.

But if the house has not yet been built and a mortgage is taken out for the apartment in it, then taking out insurance is not required by law. But as soon as the building is put into operation and the buyer of the living space receives a certificate, it will be necessary to immediately obtain an insurance policy. Be careful: according to the terms of the contract, deliberate delay in purchasing a policy is punishable by fines. The bank charges up to 0.5% of the debt amount for each day without an insurance program. By the way, this point is often the source of negative reviews about both the insurance and mortgage programs of Sberbank. Not everyone carefully reads the terms of the contract, and then is surprised that they have to pay significant amounts.

Purchasing an insurance policy

Property insurance from Sberbank involves purchasing an insurance policy. This can be done either at the office of an accredited insurer or directly at a bank branch. In addition to the insurance program for your own assets, you can use a bank card, health. The bank offers more favorable rates for regular customers and those who are insured under increased coverage programs. It's more expensive, but safer.

The policy is calculated individually in each case, taking into account the client’s requirements. If you are categorically not satisfied with the result, you must inform the agent. In most cases, specialists can offer something cheaper. Remember that the price of property insurance from Sberbank is influenced by the following factors:

duration of the program in days;
property price;
client age;
client's health status.

Money is protected

It is no secret that money is also a person’s property while he has it. But in recent years there have been a lot of thieves and scammers. If the theft of cash has been known for a long time, many people still do not know about the possibility of theft from a bank card. To protect yourself from such a disaster, you can join an insurance program. In addition, the package will help if the card is lost.

With Sberbank, property insurance in the form of a bank card is cheap, but it will save you from money being withdrawn by third parties. The program will protect if the client becomes a victim of a fraudster or thief. If your card is lost, missing, or mechanically damaged, you can count on prompt assistance from the bank with restoration. In addition, the program allows you to insure yourself against the loss of money withdrawn from the card, if this trouble occurs no later than 2 hours from the moment the amount was cashed out. The program applies to all countries of the world, and a report of an insured event can be submitted by calling the bank’s hotline.

Property insurance: it's important

An insurance program is an interaction between an insurance company and an individual. It is regulated not only by the agreement concluded between the parties, but also by the current legislation of our country. Insurance products are required by law to meet certain conditions. In order to meet legal requirements, Sberbank’s property insurance implies protection against:

loss of property;
damage;
partial or complete destruction;
production losses.

The program includes civil liability for obligations provided for by the laws of the country.

How it works?

If you visit the Sberbank website, you will notice that insurance offers are described in general terms, without specifics. The reason is that detailed clarity is introduced already at the stage of drawing up the contract and paying for it. The insurer and the client agree on what insurance risks are covered by the arrangement.

In some cases, under the contract, upon the occurrence of an insured event, the bank pays the full cost of the insured object; under other conditions, the compensation is only partial. Some programs provide reimbursement of the amounts necessary to restore the functionality of the item. If the agreement includes income, then if the client does not receive it (or receives only part of it), the bank reimburses these amounts.

Insurance compensation

This term describes the amount that is sent to the client upon the occurrence of an insured event. It must be said that in most cases it is the source of dissatisfaction among individuals, which is where negative reviews about the program come from. People expect fairly large compensation, which in practice turns out to be much less than they would like. Often the reason is that many of our fellow citizens do not read the concluded agreement very carefully.

If the agreement is carefully studied, and the amounts specified in it do not coincide with what the bank sends to the client, you can file a lawsuit to establish fairness. The practice of recent years shows that winning a dispute with an insurer these days is much more realistic than even 5-10 years ago.

The price of compensation is not always stated directly in the contract. If it is not there, then the insurance company assesses the damage to the insured property and compensates for losses. The justification for making a payment is confirmation that the items are indeed damaged or missing.

Sums insured: basis for dachshund

The client learns how large the insurance amount is even before signing an agreement with Sberbank. It depends on what the client’s material assets are under the program of protection from unfavorable situations. You can receive money if the loss occurs for a reason specified in the contract in the “insured events” category.

You cannot set a limit on the amount insured that is greater than the value of the item. If the insured amount and the assessment coincide, they speak of full insurance, that is, in the event of an unpleasant situation, it will be possible to fully compensate for the loss. If the price is less than the cost, only partial compensation is possible. They analyze the maximum possible amount under the insurance contract, taking this into account, they make the payment. At the same time, they estimate how expensive it will be to purchase a new item of the same type or create a similar product; how much the item actually cost, at what price a similar one is sold on the market.

Insurance reimbursement

This term characterizes the amounts that can be received from the insurer in the event of damage. Also, compensation is paid, there is damage associated with the liability of the client of the insurance company to third parties. The amount is not always the same as stated in the contract; it is often less. The company analyzes the circumstances of the insured event and decides how much to pay.

Admittedly, clients usually expect full reimbursement from an insurance program, and a reduction in benefits comes as an extremely unpleasant surprise. To protect yourself from such surprises, you need to carefully study the terms of the contract being concluded. If there are any doubtful points, you need to clarify them with a specialist working on the official paper. If the insurance company does not fulfill the terms of the contract, you can go to court to restore justice. Please note: every insurance company has its own adjuster. His task is to approve the grounds for paying money to the client. Of course, a representative works primarily in favor of his company, and only then in the interests of the client. But those customers who are firmly confident in their position can insist on their opinion. The adjuster's task is to achieve an agreed position. In some cases, the insurance company may give in to avoid trial. If you believe reviews of Sberbank’s insurance programs, achieving satisfaction of all requirements is often not easy, but still possible.

Apartment insurance by Sberbank is one of the services provided by this organization. However, there are certain conditions that are stipulated in the contract. What does insurance cover and what pitfalls should we expect in the process?

Sberbank is one of the largest banking structures in the country, which offers a variety of services. One of them is real estate insurance. Several options for this product are offered, which allows you to choose the most optimal type of contract in each case.

Insurance conditions

Sberbank offers a comprehensive insurance service for the integrity of a client’s home or apartment. This takes into account not only the risks and troubles associated with the operation of residential real estate, but also the responsibility to the owner’s neighbors.

The objects of the agreement are:

Movable property of the house;
Engineering equipment and finishing;
Civil responsibility.

Insurance takes into account the following risk cases: flood, fire, explosion, illegal actions of a third party, mechanical impact, lightning strike, civil liability, natural disasters and the fall of aircraft and their individual parts.

In the video - Sberbank apartment insurance:

Many people wonder whether such a package of services is necessary. Sberbank reports that those who want to protect their property and themselves from various surprises, and also value the safety and tranquility of their family and friends, always decide to protect their home. This is why a policy is issued.

According to the tariffs, there are several types of conditions for concluding a contract with different costs. Therefore, you can choose different insurance options, but you must carefully study the papers before signing so that all the necessary items are included.

The validity period of the contract is 1 month from the date of its conclusion. The date is written in the document. Therefore, it is necessary to take into account the possibility of extending this service.

Protecting your home from the most common risks - theft, fire, flooding - will help eliminate the consequences of an incident. It is also worth considering that during the operation of your home, you may also bear risks, for example, flooding your neighbors.

For this purpose, civil liability is also insured. Sberbank offers the following types of agreements:

"No worries";
"Home protection";
Insurance of residential real estate purchased with a mortgage;
“Quick policy” worth 999 rubles.

“Home Protection” makes it possible to protect yourself and your home from the most common risks. Moreover, if the amount does not exceed 100,000 rubles, then the insurance is paid without certificates. In general, the program was presented in three variations, which depend on the amount stipulated in the contract. The more expensive the policy, the greater the compensation resulting from the occurrence of an insured event.

The “No Worries” package provides all the insurance cases listed above - from engineering equipment to personal liability. This type of service is the most optimal investment. It also provides for medical expenses and will guarantee the safety of bank cards, personal documents, funds in accounts, gadgets and expenses. That is, this policy is considered the most profitable for the bank client.

Registration can be done either online through the official website of the structure, or by personally visiting a bank branch. The following documents are provided: passport, application and papers on the property you are going to insure. Only copies remain in the bank.

Sberbank is a bank that you can trust not only with your money, but also with your property, in particular your home and almost everything in it. Insuring an apartment with Sberbank is a wise decision, because no one can ever be sure that when leaving for work, their apartment will not be flooded by the neighbors above or the wiring will not short out. Every day such troubles happen all the time, but only ordinary people tend to believe that this can happen to anyone, but not to him. And only responsible and prudent people insure their homes, since the cost of insurance is mere trifles compared to the losses that an accident can cause, even flooding by neighbors above.

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What can be insured

Property insurance under the Home Protection program for individuals covers:

interior decoration of an apartment or house, as well as communications (engineering equipment);
all movable property located within the apartment/house;
liability to third parties (neighbors) for damage caused to their property.

The object of interior decoration and communications should be understood as:

the outer layer of wall, ceiling and floor finishing (materials that are applied or attached in a certain way to the surface);
doors, windows, including double-glazed windows;
floor coverings (laminate, parquet, linoleum) with the exception of interfloor ceilings);
internal structures and partitions made of lightweight materials (fibreboard, plasterboard, chipboard, etc.);
electrical equipment (wiring, meters, sockets, etc.).

Movable property that is covered by the Home Protection insurance program includes:

audio equipment;
television equipment;
computer equipment (computing, peripheral equipment, office equipment);
household appliances (washing machine, microwave oven, stove, refrigerator, etc.);
furniture;
telephone set (landline);
personal belongings;
shoes and clothing;
bed linen and towels;
children's things, including toys and vehicles;
equipment for sports and tourism;
other interior items.

Liability to third parties is insured only in the following cases:

when causing losses to neighbors due to flooding of their property;
in case of harm to the health of neighbors and other third parties due to a fire or gas explosion that occurred in the insured apartment.

Based on the above, it is clear that real estate insurance under the “Home Protection” program covers not only the real estate itself, but also all the property that was in the apartment/house at the time of the insured event.

What risks is protected against?

Home contents insurance is carried out to protect against the following risks:

from fire and flooding;
from gas leaks and explosions;
from various natural disasters (flood, hurricane, etc.);
from theft and damage due to illegal actions of third parties;
from mechanical damage due to repair work or reconstruction by third parties (owners of adjacent apartments and premises);
from damage caused by the fall of airplanes and other aircraft or their individual parts;
causing harm to health and life, as well as property of third parties.

That is, you insure not only your apartment against damage due to an accident or illegal actions of other people, but also your liability to your neighbors for harm caused to them through your direct or indirect fault.

Anyone who decides to insure their real estate can choose the optimal amount of insurance protection, the size of which determines the cost of the insurance policy. Insurance coverage is divided into three parts, the largest of which is the maximum amount of insurance coverage for damage caused to interior decoration and utilities. Two more amounts cover losses due to an insured event caused to movable property and the civil liability of the owner of the insured apartment/house.

Table. The cost of the insurance policy and the amount of insurance coverage.

*The first option of the insurance policy is available only when purchasing Home Protection insurance through the Sberbank Online system.

**Annual cost of the policy when issued at a Sberbank branch.

Attention! The cost of “Home Protection” insurance issued online is slightly cheaper than a policy issued directly at a bank branch through a teller.

How to apply for a policy online

Real estate insurance under the Home Protection program is possible online through the official website of Sberbank. To issue a policy this way, you must:

Go to the official website of Sberbank.
Open the “Insure yourself and property” tab from the menu located at the top of the page.

Click on the link in the menu that appears “Insurance for an apartment or house – apply online.”

On the page that opens, check out the options for insurance policies and their costs.
Go to the registration page by clicking the corresponding “Apply Online” button.

Choose a suitable offer.
Decide on the amount of insurance coverage, taking into account possible risks.
If there is one, enter the promo code in the appropriate field, it entitles you to a certain discount.

The system will calculate the total cost.
By clicking the “Buy” button you will be taken to the checkout page.

On the page that opens, you must enter all personal data (full name, date of birth, indicate gender, passport details of a citizen of the Russian Federation, registration address, as well as the address of the property that is insured, if it does not coincide with the place of registration, and contact information).
After you click “Continue,” the insurance policy purchase confirmation page will open.

Check the entered data again and confirm your actions.

After confirming the purchase of insurance, a letter with the policy will be sent to your email address. After which you will need to pay with your bank card. Online insurance and an electronic policy have the same legal force as insurance in a Sberbank branch and a policy printed on a special form. In both cases, the insurance comes into force only on the 15th day from the date of payment.

How to apply at a Sberbank branch

If for some reason you cannot obtain insurance online, or you do not trust this method, then you can always contact Sberbank to insure your property. To apply for a policy at a Sberbank branch, you must:

Please go to the nearest bank branch with your identification documents.
Explain the purpose of your visit to the Sberbank employee.
Learn about home insurance options.
Choose the best option.
Fill out the form with all your information.
Sign the insurance contract.
Pay for the policy through the cashier.
Get your insurance policy in hand.

Anyone who is concerned about the well-being of themselves and their family can protect their home and property. This is a reasonable decision of modern people.

Poll: are you satisfied with the quality of services provided by Sberbank in general?

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Insurance is relevant at all times, because there is always the possibility of damage to someone else’s property.

Having taken out insurance, you can be calm, because if troubles arise, the insurance company will compensate for the damage.

When choosing an organization, pay attention to its reputation, tenure and solvency. Sberbank is a large bank that deals with home insurance. Clients are offered several insurances, the following are worth noting:

"Home protection";
"No worries";
“Quick insurance policy” for 999 rubles;
insurance of real estate that was purchased with a mortgage.

What do customers get with their first offer? “Home protection” allows you to protect your property (apartment or house) from the most common risks. The program is comprehensive. Insurance, if the amount does not exceed 100 thousand rubles, is paid without certificates.

The program is presented in three types, everything depends on the amount. This is civil liability, such a policy costs 7,500 rubles, damage to movable property costs 5,500 rubles; repair – 2500 rubles.

The more expensive the policy you purchase, the greater the compensation available to you. The agreement you conclude with the bank will be valid for 1 year.

You can draw up an agreement by choosing a convenient method. This can be done on the bank’s website, or when visiting one of the branches.

By choosing Sberbank’s “No Worries” program, you will use your funds as efficiently as possible.

This is a comprehensive offer, all risks are collected in one policy.

This is not only insurance to protect a house or apartment, the policy includes civil liability.

In addition, you will protect your bank cards and personal expenses. The insurance will also cover medical expenses if any arise while traveling around Russia.

When compared with the cost of apartment insurance at Sberbank separately for each option, the “No Worries” policy is much more profitable. You can choose an insurance program that best suits your needs. The policy can be issued in a few minutes - at a bank branch or on the website.

The objects of insurance can be real estate, funds on Sberbank debit or credit cards, personal belongings, for example, a passport and other documents, gadgets.

Separately, it is worth mentioning the protection of real estate purchased under a mortgage agreement. The bank offers loans at rates affordable to citizens.

If other insurance policies are purchased on a voluntary basis, then in the case of a mortgage loan, insurance of the object will be mandatory. In this case, housing will be considered collateral.

When applying for a mortgage, apartment insurance from Sberbank is purchased for the entire duration of the contract. Buck does this to ensure that the property is worth the money borrowed.

If property is damaged, the object will lose value. The insurance program will be activated if the client does not repay the loan and the property is not worth the money that was previously invested.

What is needed to insure an apartment with Sberbank?

The client must provide the bank with the following package of documents:

passport;
real estate documents;
statement.

After the application is completed, the bank employee will prepare the policy and the Agreement for signing. Copies of these documents remain in the bank.

Requirements and rules of registration

You can buy a policy online at a bank branch. The client must provide copies of documents certified by a notary office.

When purchasing online, the policy along with a copy of the Agreement will be sent to the branch at the client’s place of residence.

In addition, he can order a policy by calling the bank’s contact center. It is also easy to apply for insurance in mobile banking by sending an SMS.

How to carry out the procedure?

So, how to insure an apartment with Sberbank:

Select a bank branch. Tell the specialist that you want to insure your property. Provide documents.
Please indicate the object you wish to insure.
Identify risks. Specify the insurance period and amount.
Pay for insurance. Receive a policy and a memo from a bank specialist.

If you decide to buy a policy on the site, the steps will be as follows:

Open the bank’s website and find the “Insure yourself and property” tab.
Check the “Select policy” box.
Select the appropriate option and click “Find out more.”
Specify the place where the policy is issued. This can be a bank branch, or you can arrange apartment insurance with Sberbank online.
Specify the object, identify the risks. Select the amount of insurance protection.
Check out the cost of apartment insurance for Sberbank and click “Apply”.

Policy for 999 rubles

This policy is called “fast”, its cost is 999 rubles. Apartment insurance from Sberbank is suitable even for rented housing; an inventory and assessment of the property is not carried out.

You can insure any apartment located in Russia.

You protect property from the most common risks. This is a breakthrough in the sewerage and heating systems, a breakthrough in the water supply system. The policy includes protection against natural disasters and theft. The policy is valid for 1 year; for registration you need a passport and a document for the apartment.

What to do in case of an insured event?

If an insured event occurs while insuring an apartment with Sberbank, the client must call the contact center.

If you discover theft or other illegal activity, you should call the police.

This will save you from worry. Fill out an application stating that an insured event occurred.

Documents must be sent to the bank. This can be done by mail, sending a registered letter.

A copy should be sent by email.

Conclusion

Apartment insurance for Sberbank will help you save your money. At Sberbank you will find a large selection of policies, programs that protect your interests at a reasonable price.