{"id":85657,"date":"2025-07-17T19:34:41","date_gmt":"2025-07-17T18:34:41","guid":{"rendered":"https:\/\/metso.cz\/?p=85657"},"modified":"2025-07-17T19:34:41","modified_gmt":"2025-07-17T18:34:41","slug":"pojisteni-majetku-co-vsechno-byste-meli-vedet-o-pojisteni-domacnosti-a-nemovitosti","status":"publish","type":"post","link":"https:\/\/metso.cz\/pojisteni-majetku-co-vsechno-byste-meli-vedet-o-pojisteni-domacnosti-a-nemovitosti\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed majetku: Co v\u0161echno byste m\u011bli v\u011bd\u011bt o poji\u0161t\u011bn\u00ed dom\u00e1cnosti a nemovitosti"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Poji\u0161t\u011bn\u00ed majetku je nezbytnou sou\u010d\u00e1st\u00ed finan\u010dn\u00edho pl\u00e1nov\u00e1n\u00ed ka\u017ed\u00e9 dom\u00e1cnosti. Chr\u00e1n\u00ed v\u00e1s p\u0159ed nep\u0159edv\u00eddan\u00fdmi ud\u00e1lostmi, kter\u00e9 by mohly zp\u016fsobit zna\u010dn\u00e9 \u0161kody na va\u0161em domov\u011b \u010di jeho vybaven\u00ed. V \u010cesk\u00e9 republice se nej\u010dast\u011bji setk\u00e1v\u00e1me se dv\u011bma hlavn\u00edmi typy poji\u0161t\u011bn\u00ed majetku: <a href=\"https:\/\/super-pojisteni.cz\/\"><u>poji<\/u><u>\u0161t\u011bn\u00ed nemovitosti<\/u><\/a> (stavby) a <a href=\"https:\/\/nej-pojisteni.cz\/\"><u>poji<\/u><u>\u0161t\u011bn\u00ed dom\u00e1cnosti<\/u><\/a> (vybaven\u00ed). I kdy\u017e se \u010dasto sjedn\u00e1vaj\u00ed spole\u010dn\u011b, je kl\u00ed\u010dov\u00e9 rozum\u011bt jejich rozd\u00edl\u016fm a rozsahu kryt\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Poji\u0161t\u011bn\u00ed nemovitosti (stavby): Ochrana va\u0161ich zd\u00ed a st\u0159echy<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Poji\u0161t\u011bn\u00ed nemovitosti, n\u011bkdy naz\u00fdvan\u00e9 i poji\u0161t\u011bn\u00ed stavby, kryje \u0161kody na samotn\u00e9 budov\u011b a jej\u00edch ned\u00edln\u00fdch sou\u010d\u00e1stech. To zahrnuje zdi, st\u0159echu, okna, dve\u0159e, podlahy, ale i trval\u00e9 instalace jako jsou topen\u00ed, vodovodn\u00ed rozvody \u010di elektroinstalace. Poji\u0161t\u011bn\u00ed nemovitosti je d\u016fle\u017eit\u00e9 jak pro majitele rodinn\u00fdch dom\u016f, tak pro vlastn\u00edky byt\u016f (kryje pak pod\u00edl na spole\u010dn\u00fdch \u010d\u00e1stech domu, st\u011bny, kter\u00e9 jsou sou\u010d\u00e1st\u00ed bytu, atd.).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Co obvykle kryje poji\u0161t\u011bn\u00ed nemovitosti?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>P\u0159\u00edrodn\u00ed katastrofy:<\/strong> Povodn\u011b, z\u00e1plavy, vich\u0159ice, krupobit\u00ed, \u00fader blesku, t\u00edha sn\u011bhu, sesuv p\u016fdy, zem\u011bt\u0159esen\u00ed.<\/li>\n\n\n\n<li><strong>Po\u017e\u00e1r:<\/strong> \u0160kody zp\u016fsoben\u00e9 ohn\u011bm.<\/li>\n\n\n\n<li><strong>V\u00fd<\/strong><strong>buch:<\/strong> \u0160kody zp\u016fsoben\u00e9 exploz\u00ed.<\/li>\n\n\n\n<li><strong>Voda z vodovodn\u00edho potrub\u00ed:<\/strong> Praskl\u00e9 potrub\u00ed, p\u0159ete\u010den\u00ed.<\/li>\n\n\n\n<li><strong>P\u00e1d strom\u016f, sto\u017e\u00e1r\u016f:<\/strong> \u0160kody zp\u016fsoben\u00e9 p\u00e1dem vn\u011bj\u0161\u00edch objekt\u016f.<\/li>\n\n\n\n<li><strong>Vandalismus:<\/strong> \u00damysln\u00e9 po\u0161kozen\u00ed majetku t\u0159et\u00ed osobou.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Na co si d\u00e1t pozor p\u0159i sjedn\u00e1n\u00ed:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pojistn\u00e1 \u010d\u00e1stka:<\/strong> M\u011bla by odpov\u00eddat skute\u010dn\u00e9 hodnot\u011b nemovitosti v nov\u00fdch cen\u00e1ch, aby v p\u0159\u00edpad\u011b tot\u00e1ln\u00ed \u0161kody sta\u010dila na jej\u00ed znovupostaven\u00ed nebo gener\u00e1ln\u00ed opravu. Podpoji\u0161t\u011bn\u00ed m\u016f\u017ee v\u00e9st ke kr\u00e1cen\u00ed pojistn\u00e9ho pln\u011bn\u00ed.<\/li>\n\n\n\n<li><strong>Spolu\u00fa\u010d<\/strong><strong>ast:<\/strong> \u010c\u00e1stka, kterou se v p\u0159\u00edpad\u011b \u0161kody pod\u00edl\u00edte na \u00fahrad\u011b sami. Vy\u0161\u0161\u00ed spolu\u00fa\u010dast obvykle znamen\u00e1 ni\u017e\u0161\u00ed pojistn\u00e9.<\/li>\n\n\n\n<li><strong>V\u00fdluky z poji\u0161t\u011bn\u00ed:<\/strong> Pe\u010dliv\u011b si prostudujte, co poji\u0161t\u011bn\u00ed nekryje (nap\u0159. \u00famysln\u011b zp\u016fsoben\u00e9 \u0161kody, \u0161kody z opot\u0159eben\u00ed).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Poji\u0161t\u011bn\u00ed dom\u00e1cnosti: Bezpe\u010d\u00ed pro va\u0161e vybaven\u00ed a cennosti<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zat\u00edmco <a href=\"https:\/\/pojisteni-levne.cz\/\"><u>poji<\/u><u>\u0161t\u011bn\u00ed nemovitosti<\/u><\/a> chr\u00e1n\u00ed &#8222;ob\u00e1lku&#8220; va\u0161eho bydlen\u00ed, poji\u0161t\u011bn\u00ed dom\u00e1cnosti se vztahuje na ve\u0161ker\u00e9 vybaven\u00ed uvnit\u0159 bytu \u010di domu. To zahrnuje n\u00e1bytek, elektroniku, oble\u010den\u00ed, knihy, \u0161perky a dal\u0161\u00ed osobn\u00ed v\u011bci. Poji\u0161t\u011bn\u00ed dom\u00e1cnosti je kl\u00ed\u010dov\u00e9 pro ka\u017ed\u00e9ho, kdo bydl\u00ed v n\u00e1jmu, ale i pro vlastn\u00edky nemovitost\u00ed, kte\u0159\u00ed si cht\u011bj\u00ed chr\u00e1nit sv\u016fj majetek uvnit\u0159.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Co obvykle kryje poji\u0161t\u011bn\u00ed dom\u00e1cnosti?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Kr\u00e1de\u017e <\/strong><strong>a loupe<\/strong><strong>\u017e:<\/strong> Vloup\u00e1n\u00ed do bytu a odcizen\u00ed majetku.<\/li>\n\n\n\n<li><strong>P\u0159\u00edrodn\u00ed ud\u00e1losti:<\/strong> Stejn\u00e9 jako u poji\u0161t\u011bn\u00ed nemovitosti (povode\u0148, po\u017e\u00e1r, vich\u0159ice atd.), pokud po\u0161kod\u00ed vybaven\u00ed dom\u00e1cnosti.<\/li>\n\n\n\n<li><strong>Po\u0161<\/strong><strong>kozen<\/strong><strong>\u00ed vodou:<\/strong> Praskl\u00e9 potrub\u00ed, \u00fanik vody z pra\u010dky, my\u010dky.<\/li>\n\n\n\n<li><strong>Zkrat a p\u0159ep\u011bt\u00ed:<\/strong> Po\u0161kozen\u00ed elektroniky.<\/li>\n\n\n\n<li><strong>Vandalismus:<\/strong> Po\u0161kozen\u00ed vybaven\u00ed uvnit\u0159 dom\u00e1cnosti.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Na co si d\u00e1t pozor p\u0159i sjedn\u00e1n\u00ed:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pojistn\u00e1 \u010d\u00e1stka:<\/strong> M\u011bla by odpov\u00eddat skute\u010dn\u00e9 hodnot\u011b cel\u00e9ho vybaven\u00ed dom\u00e1cnosti. Nezapome\u0148te zohlednit i nov\u011b po\u0159\u00edzen\u00e9 v\u011bci.<\/li>\n\n\n\n<li><strong>Limit pro cennosti:<\/strong> Pojistn\u00e9 smlouvy \u010dasto stanovuj\u00ed limity pro speci\u00e1ln\u00ed kategorie majetku, jako jsou \u0161perky, um\u011bleck\u00e1 d\u00edla nebo hotovost. Pokud m\u00e1te cennosti vysok\u00e9 hodnoty, ujist\u011bte se, \u017ee jsou dostate\u010dn\u011b kryty, p\u0159\u00edpadn\u011b je nutn\u00e9 je p\u0159ipoji\u0161\u0165ovat.<\/li>\n\n\n\n<li><strong>Poji\u0161t\u011bn\u00ed proti p\u0159ep\u011bt\u00ed:<\/strong> D\u016fle\u017eit\u00e9 pro ochranu elektroniky.<\/li>\n\n\n\n<li><strong>Asisten\u010dn\u00ed <\/strong><strong>slu<\/strong><strong>\u017eby:<\/strong> Mnoho pojistek zahrnuje asisten\u010dn\u00ed slu\u017eby (nap\u0159. havarijn\u00ed slu\u017eby pro instalat\u00e9ry, elektrik\u00e1\u0159e).<\/li>\n\n\n\n<li><strong>Kryt\u00ed v\u011bc\u00ed <\/strong><strong>mimo dom<\/strong><strong>\u00e1cnost:<\/strong> N\u011bkter\u00e9 pojistky nab\u00edzej\u00ed kryt\u00ed i pro v\u011bci, kter\u00e9 si vezmete s sebou mimo domov (nap\u0159. p\u0159i cestov\u00e1n\u00ed).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pro\u010d je d\u016fle\u017eit<\/strong><strong>\u00e9 <\/strong><strong>m\u00edt ob\u011b poji\u0161t\u011bn\u00ed<\/strong><strong>?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Je z\u00e1sadn\u00ed si uv\u011bdomit, \u017ee <strong>poji\u0161t\u011bn\u00ed nemovitosti a poji\u0161t\u011bn\u00ed dom\u00e1cnosti se dopl\u0148uj\u00ed<\/strong>, ale nekryj\u00ed se navz\u00e1jem. Pokud m\u00e1te pouze poji\u0161t\u011bn\u00ed nemovitosti a dojde k po\u017e\u00e1ru, poji\u0161\u0165ovna zaplat\u00ed opravu zd\u00ed a st\u0159echy, ale nikoli sp\u00e1len\u00fd n\u00e1bytek a elektroniku. Naopak, pokud m\u00e1te jen poji\u0161t\u011bn\u00ed dom\u00e1cnosti a praskne v\u00e1m potrub\u00ed, poji\u0161\u0165ovna zaplat\u00ed po\u0161kozenou elektroniku, ale ne opravu zdi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Doporu\u010den\u00ed:<\/strong> V\u017edy je ide\u00e1ln\u00ed sjednat si <strong>komplexn<\/strong><strong>\u00ed poji\u0161t\u011bn\u00ed majetku<\/strong>, kter\u00e9 zahrnuje jak poji\u0161t\u011bn\u00ed nemovitosti, tak poji\u0161t\u011bn\u00ed dom\u00e1cnosti. Mnoho poji\u0161\u0165oven nab\u00edz\u00ed zv\u00fdhodn\u011bn\u00e9 bal\u00ed\u010dky, kter\u00e9 kombinuj\u00ed oba typy pojistek a \u010dasto obsahuj\u00ed i <strong>poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu<\/strong> (tzv. poji\u0161t\u011bn\u00ed na blbost), kter\u00e9 je tak\u00e9 velmi d\u016fle\u017eit\u00e9. To v\u00e1s chr\u00e1n\u00ed p\u0159ed \u0161kodami, kter\u00e9 ne\u00famysln\u011b zp\u016fsob\u00edte t\u0159et\u00ed osob\u011b (nap\u0159. vytopen\u00ed soused\u016f).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tipy pro sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed majetku:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Porovnejte nab\u00eddky:<\/strong> Neuspokojte se s prvn\u00ed nab\u00eddkou. Vyu\u017eijte online srovn\u00e1va\u010de nebo oslovte v\u00edce poji\u0161\u0165oven.<\/li>\n\n\n\n<li><strong>\u010ct\u011bte smlouvu:<\/strong> P\u0159ed podpisem si pe\u010dliv\u011b prostudujte pojistn\u00e9 podm\u00ednky, zejm\u00e9na co se t\u00fd\u010de v\u00fdluk z poji\u0161t\u011bn\u00ed a limit\u016f pln\u011bn\u00ed.<\/li>\n\n\n\n<li><strong>Aktualizujte poji\u0161t\u011bn\u00ed:<\/strong> Nezapome\u0148te pojistnou smlouvu pravideln\u011b revidovat a aktualizovat, zejm\u00e9na po v\u011bt\u0161\u00edch investic\u00edch do nemovitosti nebo po\u0159\u00edzen\u00ed drah\u00e9ho vybaven\u00ed.<\/li>\n\n\n\n<li><strong>Dokumentujte majetek:<\/strong> M\u011bjte seznam cenn\u011bj\u0161\u00edch v\u011bc\u00ed v dom\u00e1cnosti, p\u0159\u00edpadn\u011b i s fotografiemi nebo \u00fa\u010dtenkami. To usnadn\u00ed \u0159e\u0161en\u00ed p\u0159\u00edpadn\u00e9 pojistn\u00e9 ud\u00e1losti.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Poji\u0161t\u011bn\u00ed majetku je investic\u00ed do klidu a bezpe\u010d\u00ed. Spr\u00e1vn\u011b nastaven\u00e1 pojistka v\u00e1m m\u016f\u017ee u\u0161et\u0159it zna\u010dn\u00e9 finan\u010dn\u00ed prost\u0159edky a starosti v p\u0159\u00edpad\u011b neo\u010dek\u00e1van\u00fdch ud\u00e1lost\u00ed. Nev\u00e1hejte se poradit s odborn\u00edkem, kter\u00fd v\u00e1m pom\u016f\u017ee nastavit poji\u0161t\u011bn\u00ed p\u0159esn\u011b podle va\u0161ich pot\u0159eb.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Poji\u0161t\u011bn\u00ed majetku je nezbytnou sou\u010d\u00e1st\u00ed finan\u010dn\u00edho pl\u00e1nov\u00e1n\u00ed ka\u017ed\u00e9 dom\u00e1cnosti. Chr\u00e1n\u00ed v\u00e1s p\u0159ed nep\u0159edv\u00eddan\u00fdmi ud\u00e1lostmi, kter\u00e9 by mohly zp\u016fsobit zna\u010dn\u00e9 \u0161kody na va\u0161em domov\u011b \u010di jeho vybaven\u00ed. V \u010cesk\u00e9 republice se nej\u010dast\u011bji setk\u00e1v\u00e1me se dv\u011bma hlavn\u00edmi typy poji\u0161t\u011bn\u00ed majetku: poji\u0161t\u011bn\u00ed nemovitosti (stavby) a poji\u0161t\u011bn\u00ed dom\u00e1cnosti (vybaven\u00ed). I kdy\u017e se \u010dasto sjedn\u00e1vaj\u00ed spole\u010dn\u011b, je kl\u00ed\u010dov\u00e9 rozum\u011bt jejich [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":85658,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1133],"tags":[],"class_list":["post-85657","post","type-post","status-publish","format-standard","has-post-thumbnail","category-rady-a-navody"],"_links":{"self":[{"href":"https:\/\/metso.cz\/wp-json\/wp\/v2\/posts\/85657","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/metso.cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/metso.cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/metso.cz\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/metso.cz\/wp-json\/wp\/v2\/comments?post=85657"}],"version-history":[{"count":0,"href":"https:\/\/metso.cz\/wp-json\/wp\/v2\/posts\/85657\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/metso.cz\/wp-json\/wp\/v2\/media\/85658"}],"wp:attachment":[{"href":"https:\/\/metso.cz\/wp-json\/wp\/v2\/media?parent=85657"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/metso.cz\/wp-json\/wp\/v2\/categories?post=85657"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/metso.cz\/wp-json\/wp\/v2\/tags?post=85657"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}