How to insure the apartment?

Despite the fact that the insurance of the apartment belongs to a voluntary form of insurance, today I can safely say: this type of insurance is needed by all. Agree, for most families the home is a fortress in which you want to feel protected. However, there is not always. Inconsiderate neighbors can flood, public utilities during the renovations - to damage the walls of the house, and even if the likelihood of fire, explosion, natural disaster, theft or even rent a terrorist act - there is no doubt there will be no! If you decide to insure their own homes, go to the matter seriously and thoroughly. The first thing you'll need, decide on the insurance. The fact that the property insurance are insured only those things that have been specified in the Contract. So, it can be: all kinds of finishing, flooring and ceiling, window and door design, furniture, built-in appliances, electrical wiring, television cable, cookers (gas and electric), as well as the responsibility of the operation of apartment and single room housing. Another equally important issue of how to find a suitable insurer. Experts advise choosing already-established insurance company that exists in the market at least 5-10 years of age and occupies a high position in the ranking of insurance companies. Also pay attention to the license of the company, its stability and the Reserve Fund. Insurance risk is assumed that the apartment can be insured against the following risks: - Fire - Explosion - Theft of property - Accidents associated with the penetration of water - an intentional act of third parties - Mechanical damage (when repair works of residential homes) - Civil responsibility (If you have unintentionally caused damage to a third party. For example, a flooded neighborhood) - Natural disasters (lightning, thunder, earthquakes, hail, snow, rain, etc.) - An act of terrorism. Contract and insurance program before you execute the contract of insurance, you should choose the right program. Thus, besides the classical forms of insurance apartment, you can insure the apartment while on vacation, ie when you're away from home. Additionally, you can insure an apartment at the time of repair and reconstruction, and without inspection and inventory of housing. The last option, incidentally, enjoys great popularity, because the valuation of property need not hold, and thus do not need to be an individual insurance contract. However, it should bear in mind that a fairly superficial way to estimate assumes the minimum insurance coverage. When the contract is to carefully study all the terms. Also, read the annex to the agreement and other policies of insurance, which contain information on insurance risks. Also check for possible reimbursement of compensation when the insured event. Typically, payments of household goods shall be made within five days after the filing of appropriate documents. How much is the price of the question depends on several factors. First and foremost is the cost of the insured property, as well as its riskozaschischennost. In addition, the calculation of insurance consists of: - Metric area apartment - living space age - the level of security at home, his protection - State Communications - Presence repair the apartment. How do I get insurance? If you want to get insurance, is to act very quickly. Typically, insurance companies give only a few days in which to inform the insured event. So, you need to apply for and be in possession of all the papers that can confirm the damage. For example, a certificate from the housing department or a written confirmation from flooding your neighbors.