How does Sberbank property insurance work?

Why do you need mortgage insurance?

If insurance of property as collateral is the main condition for drawing up an agreement with a bank, then all the rest are optional. In particular, the client can voluntarily insure his life and health. This is an important type of policy that can help out in the most unexpected life situations. For example, over the course of a 20-25 year loan, you could lose your job due to health reasons or an accident. In this case, the debt to the credit institution will remain, and you will have to pay it off with any available means. Life and health insurance will protect against such situations and will be a reliable support for the entire debt period.

Taking out this policy, in addition to the obvious benefits, can increase your chances of getting a mortgage, reduce interest rates and provide other benefits.

The fact is that the bank, by issuing a loan for such a long period, takes on many risks. Their list also includes the risk of non-refund, which increases when the client loses his or her ability to work.

Sberbank: real estate and property insurance

Sberbank offers property insurance services. Often, such a product is used when concluding mortgage agreements or car loans when collateral is deposited. A subsidiary company, Sberbank Insurance, is engaged in professional activities.

Conditions

All policies can be issued both on the website of the Sberbank Insurance organization and at a bank branch. It is possible to pay with bonuses when using Sberbank cards using the SPASIBO system. The discount when registering online will be 10% of the cost of the set of insurance services.

Insurance compensation in the amount of up to 100 thousand rubles. carried out without certificates.

The Sberbank Insurance website also lists programs that apply to the following types of property:

• personal belongings. In case of floods, natural disasters, explosions, robbery, robberies, fire.
• unauthorized withdrawal of funds from the policyholder's bank card.

It is possible to purchase an insurance policy directly from a subsidiary for a period of up to 36 months (3 years).

The conditions for including certain types of property in insurance are specified in the rules for the provision of Sberbank insurance services, which are issued to each policyholder as an appendix to the policy.

The following are accepted as such:

• property interests of the insured in relation to certain types of objects of the material world;
• in relation to apartments and residential buildings - decoration, equipment, furnishings, and other movable property inside the premises.

READ MORE: OSAGO coefficients affect the amount of insurance premium

The cost of items left within the apartment is not refundable:

• jewelry;
• collections;
• objects of art and culture;
• antiques;
• property in emergency housing;
• real estate outside the Russian Federation.

It is possible to include in the policy conditions for insurance protection of objects:

• ID cards;
• telephone;
• laptops and netbooks;
• driver's license;
• tablets.

Important: please note that the validity period of the policy is indicated on the Sberbank Insurance website - the document comes into force after 15 days from the date of payment. This information contradicts the information on the official website of Sberbank, which states that the policy applies to insured events that occurred after 00:00 on the day following the issuance of the policy.

Read about individual entrepreneur property tax on the simplified tax system here.

The Mortgage Law does not oblige citizens to insure the collateral. However, on the basis of Article 31 of this regulatory act, the issuance of a policy for the risks of damage or loss of property is carried out on the basis of a concluded loan agreement.

Under agreements with Sberbank, compensation for these risks is mandatory. Not only real estate as a development object is subject to insurance, but also its individual structural elements.

The following risks are covered:

• from a fire or explosion of domestic gas installed in the apartment;
• in case of unlawful actions of third parties, including owners of neighboring residential and commercial premises;
• upon detection of defects in housing that were made during the construction of structural elements of the building during development;
• in case of falling aircraft debris, damage by cargo transport;
• when struck by lightning;
• in case of natural disasters.

When drawing up an insurance agreement with a subsidiary of Sberbank, the following points must be taken into account:

• the policy comes into force from 00:00 on the day following the execution of the contract, so if the insured event occurred on the day the agreement was concluded, it is not subject to compensation;
• when passport data is changed, a notification must be sent to the insurance company by email with a screenshot of the new ID attached;
• after the termination of the mortgage or loan agreement, the insurance continues to be valid, refund of funds is not possible even if the loan debt is paid off early;
• When carrying out redevelopment, preliminary coordination with the insurance company is required; otherwise, monetary compensation in the event of an unforeseen event will not be provided.

Important: the debtor has the right to insure the main risks in relation to property in any company accredited by Sberbank, it will not necessarily be Sberbank insurance. The list is constantly changing and is published on the official website of the credit institution. It is possible to change companies every year; there is no prohibition on this.

When purchasing insurance online, it is enough to:

• go to the official website of Sberbank or the Sberbank-insurance company;
• select the amount for compensation - insurance protection;
• indicate passport details, full name;
• receive the policy by email;
• payment by bank card occurs automatically when adding a request.

The list of papers for issuing an insurance policy at Sberbank changes regularly and is published on the official website of the credit institution. Not all names of documents are indicated on the official resource; in the course of establishing a citizen’s solvency, the bank may request other information; this right remains with it.

To obtain a policy from Sberbank when concluding a mortgage loan agreement, it is enough to provide only the borrower’s passport.

When filling out the application online you must provide:

• ID card – series and number are entered when filling out the application;
• loan or mortgage agreement - with number and date of conclusion.

All information must be entered without errors, otherwise this will lead to refusal to accept the policy and to the accrual of penalties and fines.

You must send documents confirming the occurrence of an insured event with a statement by registered mail to the address: Moscow, Pavlovskaya St., 7 or by email to the official mail of the insurance company. The same should be done to receive compensation if the costs of restoring the property were incurred at the expense of the policyholder's own funds.

When insuring property in a company other than a subsidiary of Sberbank, documents are checked for compliance every 30 days. If the documentation does not comply, interest will be charged as a penalty as for the lack of an insurance policy.

Price

When receiving a mortgage, an employee of the credit institution Sberbank is provided with a passport to issue a policy. Its price will be about 0.25% of the value of the purchased property, determined on the basis of an independent assessment. Based on this, the principal amount of the loan is determined. The property insurance rate may increase depending on the number of risks covered.

The policy validity period is assumed to be 12 months with the right to automatic renewal - prolongation. Funds are usually debited from a card that is opened in Sberbank via automatic payment with notification of the payer.

Upon payment of an additional insurance premium of 2,500 rubles. The risks of damage to the interior decoration of the premises are subject to insurance for a total amount of RUB 750,000.

The procedure for seizing the debtor's property by bailiffs is described here.

How to find out if a property has been seized? Find the answer on this page.

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 mortgage property insurance from Sberbank, can you expect to receive money when an insured event occurs? Or is the company's reliability as an insurance company not up to par?

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 Sberbank's collateral, a car purchased on credit, and a home purchased with a mortgage. However, this does not exhaust the variety of possibilities.

Registration procedure

To insure your health and life, you need to follow this algorithm:

• Find a list of insurance companies that are accredited by Sberbank. Choose the most suitable conditions for yourself. Or you can take out insurance through the DomClick service.
• Specify insured events. It is not necessary to mark everything; you can focus on the most likely ones related to your job responsibilities or field of activity.
• Look at the list of documents that are required to conclude an agreement. This could be a passport, SNILS, medical certificates, various extracts, as well as documents for property taken on a mortgage.
• Sign the agreement. Please read it carefully before leaving your signature. Take your time and do not pay attention to haste and provocations. If you have any questions, please check with the manager immediately.

DomClick recommends: before choosing an insurance company, find out all the available information about it. There is a high chance of running into scammers or unfavorable (confusing) conditions. Check reviews, ratings, age and experience of the company.

Apartment insurance through Sberbank: reviews and features

Many people wonder: is it worth insuring their apartment and who to choose as an insurer.
Naturally, home insurance is a kind of protection against natural disasters, floods or fires.

This is especially true given that many modern apartment buildings are built using materials whose quality is far from those used in construction many years ago.

In addition, in one case or another there is a risk of causing damage to neighbors, theft, breakdown of old systems and other force majeure. In all cases, people are forced to spend huge amounts of money on repairs and damages. Insurance will help you resolve financial issues if something like this occurs.

It is very important not only to insure your home, but also to choose the right insurer. You should pay attention to its reputation and solvency, and study customer reviews.

It is recommended to choose a large company that has been on the market for a long time.

Many people, in their reviews regarding insurance of apartments or private houses, speak positively about Sberbank as a reliable insurer.

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If you purchase insurance from Sberbank, you can choose one or another apartment insurance program. All of these programs help make the documentation process simple, and the price of insurance will be quite reasonable. There is also a special program for insuring apartments with a mortgage, which we will also talk about in detail a little later.

If you want to insure your home under this policy at Sberbank, then you need to know that its cost is about 1000 rubles, and this insurance covers the following cases:

• damage caused by fire;
• flooding due to a breakthrough in water supply, sewerage or heating systems;
• damage caused by natural disasters;
• theft;
• damage caused by other people;
• damage to movable property in the apartment;
• acquisition of civil responsibility to others.

The validity period of such insurance from Sberbank is one year. Its advantage is that it can insure any apartment in Russia, even if it is rented and you are not its owner. An assessment and inventory are not required for registration, and the contract itself is concluded very quickly. You can apply for a policy at a Sberbank branch; the package of documents is minimal:

• passport;
• documents for an apartment or lease agreement.

When the deal is concluded, you should activate the insurance, call the number indicated in the contract and tell the operator your policy number.

This insurance is comprehensive. On the official website of Sberbank it is written that payments in the amount of up to 100 thousand rubles can be received without certificates.

Depending on the size of the insured amount, there are three types of this program:

• 7.5 thousand rubles;
• 5.5 thousand rubles;
• 2.5 thousand rubles.

Insurance cases in this program are divided into three categories:

• repair work;
• damage caused to movable property;
• Civil responsibility.

Repair compensation is paid in the following cases:

• in case of damage to window blocks, glazing and doorways;
• if the floor covering is damaged (except for interfloor blocks);
• damaged light internal partitions;
• damage to walls and ceilings;
• damage due to the use of electrical appliances;
• damage to plumbing and engineering equipment;
• damage to meters.

Movable property means:

• computing and household appliances;
• furniture;
• scanners and printers;
• wardrobe items;
• personal and child care items;
• telephones;
• decor;
• audio and video equipment;
• sports equipment and much more.

Compensation under such insurance looks like this: if you purchased apartment insurance for 2,500 rubles, then compensation for repair work will be 250 thousand rubles, for damaged movable property - 200 rubles, and for civil liability - 150 thousand rubles, respectively.

If you bought insurance from Sberbank for 5,500 rubles, then the payments will be 600 thousand, 450 thousand and 400 thousand rubles, respectively. And if for 7,500 rubles, then a million rubles in the first case and half a million in the next two, respectively.

According to this insurance, you will receive compensation for damage that was caused:

• fire;
• theft;
• flooding;
• struck by lightning;
• explosion;
• natural disaster;
• unlawful actions of others;
• a house being hit by an airplane or other aircraft;
• civil liability.

The insurance agreement for this program, concluded with Sberbank, is valid for a year. Payments are made limited in the following equivalent depending on the insured event:

• damage to windows – 14 percent of the insurance amount;
• wall covering – 20 percent;
• doors – 13 percent;
• flooring – 18%;
• ceilings – 15%;
• engineering equipment – ​​20 percent.

For damage to one unit there is a limited amount of 25 thousand rubles.

It is also worth knowing that insurance payments do not cover jewelry.

Insurance of apartments in Sberbank according to these programs is possible with voluntary insurance. The apartment can be purchased at your own expense, and Sberbank acts as a custodian of funds and an intermediary.

A separate point should be considered the features of insuring apartments in Sberbank that are under mortgage. The bank itself offers its clients mortgage loans with very reasonable interest rates. The mortgage insurance program for apartments, unlike the previous two in Sberbank, is mandatory.

So, if you bought an apartment with a mortgage from Sberbank, it acts as collateral. Insurance of collateral is mandatory.

With a mortgage, insurance is issued for the entire term of the loan agreement. This is necessary so that Sberbank is confident that the amount of collateral will correspond to the amount of loan funds.

When insuring an apartment with a mortgage, the list of insured events looks like this:

• fire;
• damage caused by domestic gas;
• flooding;
• damage caused by a faulty heating system;
• hurricanes, natural disasters, lightning strikes;
• theft or damage of property by other people.

The insurance amount should be paid to Sberbank in order to pay off the debt. The cost of apartment mortgage insurance depends on the following factors:

• the amount of the loan agreement;
• its validity period;
• the borrower's place of work;
• his age;
• income level;
• cost of the apartment;
• probability of risks;
• history of previous contracts at this address.

The tariff rate of the agreement on insurance of apartments with a mortgage is 0.15% of the full cost specified in the loan agreement.

As already mentioned, you can conclude an insurance agreement at a Sberbank branch, or you can do it via the Internet. According to reviews, many have already tried this method and found it convenient. The algorithm in this case is as follows:

• go to the Internet page called “Sberbank Insurance”;
• select the type of insurance and enter the promotional code;
• we select the object of collateral (for example, an apartment) and study the list of risks that are included when concluding an agreement;
• we note the amount of insurance protection (part will be intended for decoration, the second - movable property, the third - civil liability in order to compensate for damage caused by third parties);
• enter the promo code again;
• study the information about the total amount and validity period of the insurance and click the “Apply” button.

Then, after the request arrives some time later, confirm the completed operation and check with the manager if he has a copy of this document.

Documentation

The borrower requires notarized copies of the following documents:

• passport of a citizen of the Russian Federation with registration information;
• TIN;
• document on ownership of the apartment and registration certificate for this right;
• conclusion on expert assessment of housing;
• application in a standard form.

MORE DETAILS: How to buy compulsory motor liability insurance in Soglasie insurance company online

The insurance contract for the apartment and the insurance itself are prepared for signing after the client fills out the application. Then all copies of the documents are sent to Sberbank.

Before insuring an apartment through Sberbank or another organization, many people study the reviews of other people. Below we suggest that you familiarize yourself with some of them.

When applying for a mortgage, I thought that the managers were imposing insurance on me at Sberbank. But then I realized that in this case it is mandatory to insure the apartment. I was pleased with the quick procedure for concluding the contract.

Vasily, St. Petersburg

I liked apartment insurance at Sberbank because it can be insured to the maximum, taking into account factors such as ownership, the most common risks and the type of activity of the borrower. The cost of the mortgage amount is only one percent. In other cases, the apartment is insured only against standard cases.

Dmitry, Saratov

A lawyer advised me to insure my apartment through Sberbank. The insurer can immediately draw up a contract at a bank branch. For the first year you need to pay a tariff of 0.15% of the cost of the apartment, then it will be slightly less.

Olga, Orel

Home insurance can be mandatory (for example, when purchasing an apartment with a mortgage) or voluntary, when the client wants to protect his home from possible risks and financial losses associated with them. There are a lot of insurance companies on the market, but choosing the right conditions can be extremely difficult. Many recommend doing this through a trusted organization such as Sberbank.

The insurance division of the country's largest bank offers comprehensive home protection against the most common risks, as well as civil liability insurance in case of damage to neighbors' property. Expenses incurred under the following circumstances are subject to compensation:

• impact on property of fire, smoke, flammable gases, and other consequences of fire;
• flooding with any liquid, exposure to steam;
• theft, robbery, robbery, as well as vandalism and hooliganism;
• explosion and its consequences;
• repair/redevelopment of neighboring premises by third parties;
• natural disasters and their consequences;
• lightning strike;
• falling on the insured property of aircraft and their parts.

Actions upon the occurrence of an insured event

If an accident or serious injury occurs to you, do not waste time.

• First of all, report the current situation to the credit institution and insurance company. This is very important because in the future it will be the insurers who will pay off your mortgage debt.
• You need to write a statement explaining the current situation and attach a medical report. You must prove that the injury you sustained was an accident and not a deliberate evasion of loan repayment. In the event of the death of the borrower, his relatives must document the absence of intentional actions that caused the death.
• When all documents are collected and signed, the insurance company will begin the verification procedure. If it is successful, the balance of the debt will be transferred to the client’s loan account with the creditor bank.

Insured risks: fire, explosion, natural disasters

While part of the population has a negative attitude towards insurance and purchases a policy only in cases where it is mandatory, another part sees a real benefit in this.

Currently, there are a large number of insurance companies, and high competition has resulted in a lot of profitable offers for the population. As a result, you can purchase insurance for a relatively small amount and no longer worry that something will happen to your property.

This problem is also relevant for suburban real estate, and cottage insurance is quite popular.

The first step is to choose the insurance company from which you will purchase the policy.

Firstly, you need to choose a reliable insurer because when an insured event occurs, you do not want to find that such a company no longer exists, it has gone bankrupt or is on the verge of bankruptcy.

It is better to overpay a little for the policy, but choose a large company that has been engaged in this type of activity for a long time.

For example, you can choose Rosgosstrakh; dacha insurance is one of the areas in which the company offers two packages with different benefits.

You may need to insure not only the country house, but also the property in the country

Secondly, you should search the Internet for reviews, which are quite easy to find on specialized sites.

When reading reviews, do not forget that some of them can be purchased by the insurance company itself, and some are paid for by their competitors. It is also worth considering that more often people leave negative reviews than positive ones.

Of course, when you want to insure your cottage, reviews and stability checks are an important part. However, do not forget about the availability of the packages you need.

For example, you may stumble upon a rather profitable package, but after reading which cases are not insurable, it turns out that the policy is practically useless for you.

When choosing an insurance company, do not forget to check their products.

What do we insure?

When it comes to a country plot, it is worth remembering that there are often several objects located on the plot, in addition, you may need insurance for property in the country. It is worth noting here that you yourself can choose the objects that are of the greatest value to you and you want to insure them.

You can choose the residential building itself, a garage, a bathhouse, additional residential buildings, as well as a variety of outbuildings. It is worth noting that each building adds a decent amount to the cost of the policy. You can also insure the finishing of buildings, as well as engineering equipment.

Also, you may want to insure movable property that is located in buildings, for example, a TV, refrigerator, and the like.

However, it is worth noting that not everything can be insured; you should be especially careful if you insure garden houses and cottages via the Internet.

For example, in this way you will not be able to insure houses that were built before 1980 or unfinished buildings, or if they are missing one of the structural elements: a wall or ceiling.

The ability to insure an object is also affected by the material from which it is built.

You can also insure real estate, land, building decoration, as well as engineering equipment

As you can see, in order to avoid problems in the future, you need to carefully check what cannot be insured in the company you choose, be it Sberbank, dacha insurance from Rosgosstrakh or another large organization.

You also need to be careful with this point, because the package you choose may include all the objects you are interested in, but it will not include many common troubles.

Make sure that when purchasing a policy, you insure your dacha against fire, theft, mechanical damage, and also, for dachas, a household gas explosion is a fairly pressing problem.

Also, it is worth taking into account the characteristics of the area, for example, perhaps during rain your area often floods or the probability of flooding of the area is quite high.

Country house fire insurance is very popular

The above are the most likely problems; you can insure yourself against many other things, for example, natural disasters, terrorist attacks and the like. All of them affect the cost of the insurance policy, but may not be relevant to you. Thus, it is better to double-check all the information and not overpay for unnecessary insurance.

How much does it cost?

When you want to insure your dacha, cost is not the last thing. It depends on many factors: the amount for which you want to insure objects and property, what exactly you want to insure, and also what you are insuring against.

It is also worth noting that different objects have their own maximum amount for which it can be insured. For example, you can insure the house itself for an amount from 500 thousand rubles to 4,00,000, depending on the package and the insurance company.

But movable property located in the building can only be insured for 100-500 thousand.

conclusions

By approaching the issue responsibly, you will be able to insure your dacha; Ingosstrakh will be your choice or another company, it doesn’t matter.

The main thing is to choose the best product for you, which will provide insurance for the objects you are interested in against the most pressing problems.

READ MORE: RESO OSAGO - benefits of RESO policy, inspection, repair

This guarantees you minimal costs and maximum compensation in the event of problems with the insured property.

The bank offers several policy options, the price of which will largely depend on the number and type of insured events specified in the contract. Insurers offer to include a greater number of possible risks in the policy in order to protect the mortgaged property from any damage.

The most well-known risks include:

• natural disasters (earthquake, flood, etc.);
• fire;
• gas explosion;
• flooding (natural and caused by neighbors);
• destruction associated with the entry of aircraft and other types of transport into the property;
• destruction of housing as a result of defects in structures and communications;
• damage caused by illegal actions of third parties.

Object of insurance and risks

Insurance return

There is a concept of a “cooling off period”, which allows you to legally return the paid policy to the insurance company. It lasts for 14 days from the date of signing the contract. To receive a refund, you need to submit a corresponding application. In this case, the creditor bank or insurance company must terminate the agreement with you and return the funds that were paid.

If the mortgage is repaid early, you can also get some of the funds back. Before signing the contract, please note that there are no penalties for early termination.

Didn't find the answer to your question? To get advice, help with documents for applying for a mortgage or reducing the interest rate, write to a specialist in an online chat or call 8(800)700-89-82 . All requests are accepted and processed free of charge!
Sberbank Life Insurance

Paid insurance risks

Under the protection of the policy: decoration of an apartment or house, interior furnishings (clothes and shoes, furniture, personal belongings and household appliances), civil liability (repairs of neighbors are paid in case of a flood or fire).

The contract describes specific cases that are covered by insurance. Payments are made when:

• Fire
• Flood, bay
• Explosion
• Robbery of an apartment or house by third parties
• Damage caused by natural disasters
• Damage to property or harm to the life and health of third parties (for example, neighbors)

The list is extensive - thus, the policy protects your home in almost any situation.

Amount of insurance protection and cost of the policy

A significant advantage of Sberbank is the dependence of the cost of the policy on the remaining amount of debt on the main loan: the smaller the loan amount, the cheaper it is to obtain insurance. In addition to the remaining debt under the contract, the cost is affected by:

• number and types of risks;
• type of property;
• age of the building;
• the presence or absence of wooden floors.

The approximate cost of registration is about 0.25% of the amount of the mortgage debt. It is convenient to calculate a more accurate amount on the Sberbank Insurance website, in your personal online account or mobile bank. When applying for an electronic policy, Sberbank provides a 10% discount. A specialist at the company’s office can also help with the amount of payment.

How to get insurance at Sberbank

You can draw up an agreement directly at a bank branch, or use your Sberbank Online personal account. Users of the mobile application buy a policy in any convenient place.

The scheme for registering an apartment insurance policy is carried out when making utility payments:

1. Log in to the Sberbank Online system and go to the section with transfers and payments - payment of housing and communal services and rent;
2. Indicate information about the personal account (the numbers are entered in the appropriate column) or the identifier assigned to a specific payer for utility services.
3. In the window that opens, select the option of payment with insurance and indicate the address of the insured object.
4. When paying housing and communal services bills via the Internet, insurance services are paid.
5. After depositing funds, a policy form is generated in the client’s account, and a confirmation SMS is sent to the phone.

If you plan to buy another insurance product, go to the Sberbankins.ru website, where you select the section for purchasing online insurance and then follow the instructions.

Conditions of receipt

When applying for insurance, you are given a form and an agreement that specifies the rules of insurance and the use of protection. If there is a problem related to an insured event, contact the toll-free single number 8 800 555 555 7. Then follow the instructions received.

If you don’t have the Insured Person’s Leaflet on hand, download it from the company’s website and get acquainted with the basic principles of the company’s work.

The sequence of actions is as follows:

1. Record property damage (you can find the rules for photographing in the memo).
2. Fill out the event application form.
3. Prepare a package of documents, depending on the type of event.
4. Send the prepared papers through the user’s account, by mail, or transfer to the nearest bank branch.
5. If a preliminary opinion from an independent expert is required, the documentation will be submitted through him. The appraiser is called by the insurance company after the event has been recorded.
6. If the company agrees to classify the case as an insurance case, payment is made within 15 days.

List of documents

Since each situation is individual, the insurer establishes different options for lists of documentation, taking into account the type of insurance product.

Mandatory documents include:

1. Insurance contract (policy).
2. Receipt, payment document confirming payment of the amount for the policy.
3. Personal documents of the policyholder, insured person or beneficiary.
4. A certificate with details or account number of the Sberbank client where the payment should be transferred.

The package is attached to the completed application form and additional papers confirming the insured event and the amount of damage caused.

Voluntary home insurance under the “Home Protection” program

Conditions and benefits of the Home Protection program from Sberbank
A popular service among the population can be obtained both at a bank branch and in your Personal Account on the website. In this case, you do not need to inspect the property; you just need to select the package of options you need. The terms of service look like this:

• the cost of policies is from 1,750 to 6,750 rubles (the first option is available only when issued online);
• compensation will range from 450,000 to 2,000,000 rubles;
• small payments of up to 100,000 rubles can be received without providing certificates;
• the higher the cost of the policy, the larger the list of insured events and the higher the compensation when they occur;
• paper and electronic versions of the document are equivalent.

Under this program it is possible to insure almost all interior items and household and personal use:

• interior decoration (finishing floors, walls and ceilings, windows, doors, plumbing, etc.);
• movable property - household and office equipment, furniture, children's things, sports equipment, personal belongings (including clothes and shoes), etc.;
• civil liability for damage to property of third parties (your neighbors).

The main factor that encourages you to draw up this document is the very expensive real estate in our country and the high interest rates on housing loans (relative to the general standard of living and in comparison with global practice).

Most often, by external factors, property owners mean fires and floods. A large number of extreme circumstances that arise are due to old communications in many cities that were not designed for such consumption.

Also, the causes of fires or pipe breaks can be independent repairs and unprofessional connection of equipment, improper use of equipment, etc.

Thus, the advantages of obtaining a policy under the Home Protection program are its low price and a wide range of insurance items and insured events.

Customer Reviews

• Georgy Ts: “ The garden house was insured by Sberbank in the fall. In the spring, a window was broken and all the tools were stolen. I contacted the hotline, as indicated in the contract, and reported what had happened. I learned that compensation would be discussed if the police did not find the thieves and the necessary documents were listed. The thieves were not found. The documents were completed and sent to the insurance company. The cost of the stolen tools, taking into account wear and glass, was about 40 thousand rubles. Sberbank reimbursed me 1/10 of this amount!! Why then insure property at all?
• Victoria S: “A month ago our neighbors flooded us. There was no one at home, but, fortunately, all services responded promptly, and the damage was not as significant as it could have been. The apartment was insured by Sberbank. I can’t say anything bad about the employees: they were polite, attentive, and efficient. We were emailed a list of documents. When we collected them, we examined them, as agreed, within a month. The money was small, but the damage was not significant. We are pleased with the attitude and efficiency.”

The average rating of the company's activities by clients is 1.43 (out of 5).

IC Sberbank apartment and property insurance offers the conclusion of insurance agreements in branches or on the website. A simplified procedure makes it easy and quick to insure property. The Insurance Rules provide for all possible risks. The client has the opportunity to conclude a standard or individual contract. Reviews about the company indicate existing problems in working with clients.