00:45 30/01/2018
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Яна Сушинова
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У каждого владельца или нанимателя жилья есть выбор: платить или не платить страховые взносы, которые указываются в едином платежном документе (ЕПД).
Что покроет страховка?
Страхователь, то есть тот, кто оплачивает страховку в ЕПД, — собственник, наниматель — может рассчитывать на покрытие следующих рисков:
— пожара и последствий его тушения;
Вопрос-ответ
Положена ли страховка, если вас залил сосед сверху?
— аварии систем отопления, водопровода, канализации и внутренних водостоков;
— взрывов по любой причине, кроме терактов;
— сильного ветра свыше 20 м/с, урагана, смерча и прочего.
Ущерб возмещается, если эти события произошли и вне застрахованного помещения.
Страховка предполагает страхование всех конструктивных элементов, а именно: стен, пола, потолка, дверей и окон, всего инженерного оборудования, всех внутренних коммуникаций и отделки дома или квартиры. Мебель сюда не входит.
Сколько действует страховка?
Добровольная страховка в ЕПД действует с 1 числа следующего месяца с момента оплаты. То есть вы оплатите страховку в январе, а действовать она начнет в феврале. Срок ее действия — месяц. Далее, если вы решите не платить страховку, то просто при оплате квитанции за квартиру делаете пометку в графе «Итого к оплате» (а не «Итого с учетом страхования») и оплачиваете указанную сумму квартплаты.
Кроме того, при желании можно заказать квитанцию для оплаты добровольного страхования отдельно от всего комплекса оплачиваемых через ЕПД услуг.
Чем опасно появление трещин на потолке и стенах квартир?
Подробнее
Сколько составит покрытие?
Страховая стоимость 1 кв. м установлена в размере 36,3 тыс. руб. Добровольный взнос составляет 1,62 руб. за 1 кв. м в месяц.
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