How to insure a dacha?

The cold season is a period of active robbery cottages. Despite the fact that over the last decade, the welfare of Russians, even a little, but it has improved - crimes related to theft of property does not become smaller. Many items are suburban foray out of malicious purposes. Antisocial personality wonder almost no reason to get into the house, look for value, and then traces robbery fire. Well, if your problem has developed communication and service is available to you private security. In this case, you can significantly reduce the likelihood of a robbery, but did not escape the consequences of unforeseen events: the closure of electrical, fire due to natural disasters or damage to buildings during a severe storm. The answer to all these challenges can be a insurance problem. At the cost of insurance depends on many factors: the type of building (a wooden house would have to pay more than the brick), its area, the percentage of wear, etc. To produce accurate calculations, the place leaves agent. Typically, the cost of insurance of such objects hovering around 0,1-1% of the retail price of real estate. Thus, if the building is estimated at 150 ths rub., Then the insurance will pay from 150 to 1500 thousand rubles. per year. There are many ways to save money and the money. For example, if you live in the country in summer and autumn, you can insure it for the remaining two seasons - winter and spring. The lower the insurance claims you specify - the cheaper the insurance. Up to 30% of the cost of the policy can be saved, if only to insure a house on fire - the most common disasters. If you are in the country are particularly valuable, then they should be insured separately from the real estate. Also get a good discount you will be able, if the contract is of a high deductible. This means that the problem will be insured for damages in excess of, say, 5 thousand rubles. All costs associated with losses up to that amount you pay yourself, and all that is over - the insurer. In the insurance case should contact the appropriate service, which will record the fact of the event (in a fire at 01, with robbery - 02, etc.). Then call your insurance company, which will tell you about the mechanism of compensation for damages. Thus, spending a little money on the policy, you will get protection from harm. With insurance you will forget about troubles and you will receive in nature even more positive emotions than before.