RESPECT multi-dwelling insurance
This is an exclusive product created exclusively for clients of RESPECT, a.s.
Multi-dwelling insurance is intended for owners of units, housing co-operatives and other entities that own and rent their flats for long term. In addition to classical natural insurances, it also contains additional insurance specific for multi-dwellings.
With our unique multi-dwelling insurance, you get:
- A comprehensively prepared insurance product suited to the dwellings
- Possibility of choosing insurance limits
- Premium savings up to 30% on average
- The widest range of insured risks
- The highest limits – you’ll receive more for your damage
- Bonus for good claim process
- ASSISTANCE SERVICES – we’ll take care of you in case of emergency
- We’ll cover your replacement accommodation costs
- We’ll pay damages for items in common areas belonging to tenants and unit owners, e.g. bicycle theft from a common bicycle store room, etc.
- We’ll stand by you in case of damage from liability of statutory bodies
The basic insurance package includes:
- comprehensive natural hazards
- alienation and vandalism
- machinery and electronics insurance
- glass insurance incl. loggia / balconies glazing
- Interruption of operation - lost rental payment, substitute accommodation
- responsibility of ownership and property leases
- the responsibility of a member of the SVJ (Owners Association) statutory body and housing co-operative
Specific supplementary insurance for dwellings:
- natural danger without a waiting period (the insurance is valid immediately after the insurance contract’s effective date)
- cost of demolition and rubble removal, water, sewage, lock replacements - high limits
- theft of firefighting equipment (it is not a precondition to go through the building’s entrance door)
- the cost of refilling a fire extinguisher when used for firefighting
- unspecified secondary constructions automatically insured (garages, shelters, fences, playground and inflatable hall)
- sprayers, damage to the facade by animals
- items owned by a community of owners or a housing co-operative
- items in common areas belonging to owners and tenants (e.g. bicycle theft from a common bicycle store room)
- insurance also applies to buildings under construction (reconstruction)
- FREE assistance services
RESPECT dwelling insurance benefits compared to regular insurance market offers
|
Insurance risk / performance limit: |
RESPECT dwelling insurance |
Regular insurance |
|
Burglary, incl. firefighting equipment theft (building): |
250,000 - 2,500,000 CZK |
100 000 CZK ( fire extinguishing equipment 20 000 CZK ) |
|
Renewal / extinguisher replenishment: |
10 000 CZK | Uninsured |
|
Sprayers, vandalism on the building: |
250 000 CZK - 2 500 000 CZK | 20 000 - 100 000 CZK |
| Věci vlastníků a nájemců bytových jednotek ve společných prostorech, kolárny atd. (odcizení, živel) | 100 000 | nepojištěno |
| Peníze v kanceláři SVJ/BD (odcizení, živel) bez podmínky uložení v trezoru | 10 000 | nepojištěno |
| Poškození fasády zvířectvem | 1 000 000 - 10 000 000 | 20 000 - 200 000 |
| Atmosférické srážky | 1 000 000 - 10 000 000 | 100 000 - 200 000 |
| Pojištění skel vč. zasklení lodžií/balkónů | 2500 000 - 2 500 000 |
100 000 - 200 000 |
| Pojištění elektroniky (all risk) | 250 000 - 2 500 000 | 100 000 (pouze přepětí a skrat) |
| Pojištěníé strojů bez omezením stářím | 250 000 - 2 500 000 | Omezení stářím |
| Nespecifikované vedlejší stavby | 200 000 - 750 000 | 100 000 |
| Náklady na obnovení dokumentace | 50 000 - 500 000 | nepojištěno |
| Náklady na výměnu zámků | 50 000 - 250 000 | nepojištěno |
| Odpovědnost z vlastnictví a pronájmu nemovitosti | 5 000 000 - 20 000 000 | 500 000 - 5 000 000 |
| Odpovědnost členů orgánů SVJ/BD, retroaktivní krytí 5 let | 1 000 000 | nepojištěno |
Premium pricing examples for dwelling insurance *
| Sum insured | Insurance premiums |
| 20,000,000 CZK | 8,600 CZK |
| 40,000,000 CZK | 14,200 CZK |
| 80,000,000 CZK | 17,045 CZK |
| 100,000,000 CZK | 20,557 CZK |
| 150,000,000 CZK | 24,541 CZK |
| 200,000,000 CZK | 28,534 CZK |
| Spoluúčast | 1 000 Kč, povodeň/záplava 10 000 Kč |