[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.tulipy.cz\/pojisteni-majetku-a-jeho-druhy\/#Article","mainEntityOfPage":"https:\/\/www.tulipy.cz\/pojisteni-majetku-a-jeho-druhy\/","headline":"Poji\u0161t\u011bn\u00ed majetku a jeho druhy","name":"Poji\u0161t\u011bn\u00ed majetku a jeho druhy","description":"Poji\u0161t\u011bn\u00ed majetku je rozhodn\u011b d\u016fle\u017eit\u00e1 a probl\u00e9m\u016fm p\u0159edch\u00e1zej\u00edc\u00ed z\u00e1le\u017eitost. V dne\u0161n\u00ed dob\u011b nikdy nev\u00edme, co se m\u016f\u017ee st\u00e1t, z ni\u010deho nic m\u016f\u017ee p\u0159ij\u00edt nap\u0159\u00edklad \u017eiveln\u00e1 pohroma, m\u016f\u017ee do n\u00e1s n\u011bkdo nabourat nebo cokoli jin\u00e9ho. Spole\u010dn\u011b se pod\u00edv\u00e1me na n\u011bkolik poji\u0161t\u011bn\u00ed, kter\u00e9 v\u00e1m s n\u011bkolika t\u011bmito probl\u00e9my mohou pomoci.\u00a0\u00a0 Poji\u0161t\u011bn\u00ed dom\u00e1cnosti\u00a0 Tento druh poji\u0161t\u011bn\u00ed se vztahuje […]","datePublished":"2021-09-21","dateModified":"2023-06-07","author":{"@type":"Person","@id":"https:\/\/www.tulipy.cz\/author\/#Person","name":"","url":"https:\/\/www.tulipy.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f7b3e8bb7f7cc0c6ca940e74a10b952be4c7d81de8a980387c865f88889f02e3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f7b3e8bb7f7cc0c6ca940e74a10b952be4c7d81de8a980387c865f88889f02e3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"tulipy.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.tulipy.cz\/wp-content\/uploads\/spole%C4%8Dn%C3%A9%20pl%C3%A1ny_7.jpg","url":"https:\/\/www.tulipy.cz\/wp-content\/uploads\/spole%C4%8Dn%C3%A9%20pl%C3%A1ny_7.jpg","height":0,"width":0},"url":"https:\/\/www.tulipy.cz\/pojisteni-majetku-a-jeho-druhy\/","about":["Pen\u00edze"],"wordCount":419,"articleBody":"Poji\u0161t\u011bn\u00ed majetku je rozhodn\u011b d\u016fle\u017eit\u00e1 a probl\u00e9m\u016fm p\u0159edch\u00e1zej\u00edc\u00ed z\u00e1le\u017eitost. V dne\u0161n\u00ed dob\u011b nikdy nev\u00edme, co se m\u016f\u017ee st\u00e1t, z ni\u010deho nic m\u016f\u017ee p\u0159ij\u00edt nap\u0159\u00edklad \u017eiveln\u00e1 pohroma, m\u016f\u017ee do n\u00e1s n\u011bkdo nabourat nebo cokoli jin\u00e9ho. Spole\u010dn\u011b se pod\u00edv\u00e1me na n\u011bkolik poji\u0161t\u011bn\u00ed, kter\u00e9 v\u00e1m s n\u011bkolika t\u011bmito probl\u00e9my mohou pomoci.\u00a0\u00a0Poji\u0161t\u011bn\u00ed dom\u00e1cnosti\u00a0Tento druh poji\u0161t\u011bn\u00ed se vztahuje takzvan\u011b na \u201cvnit\u0159ek domu\u201d, vztahuje se na v\u0161echno vybaven\u00ed, kter\u00e9 m\u00e1te v dom\u011b, od n\u00e1bytku a\u017e po ply\u0161\u00e1ky va\u0161\u00ed dcerky, kter\u00e9 m\u00e1 v pokoji. M\u016f\u017eeme ho vyu\u017e\u00edt hned v n\u011bkolika p\u0159\u00edpadech, p\u0159i po\u017e\u00e1ru domu, kdyby n\u00e1m v\u0161echen majetek sho\u0159el, poji\u0161\u0165ovna vy\u0161le na m\u00edsto odhadce, kter\u00fd s v\u00e1mi cenu majetku vy\u010d\u00edsl\u00ed a odhadne tak \u010d\u00e1stku, kterou v\u00e1m n\u00e1sledn\u011b poji\u0161\u0165ovna bude vypl\u00e1cet na po\u0159\u00edzen\u00ed nov\u00e9ho vybaven\u00ed. D\u00e1le m\u016f\u017eeme vyu\u017e\u00edt p\u0159i vodn\u00ed hav\u00e1rii, pokud by n\u00e1m nap\u0159\u00edklad prasklo potrub\u00ed a jak se \u0159\u00edk\u00e1 \u201cvytopilo\u201d by n\u00e1m to d\u016fm a zni\u010dilo podlahy a ostatn\u00ed n\u00e1bytek, op\u011bt bychom tohle poji\u0161t\u011bn\u00ed mohli uplatnit.\u00a0\u00a0Poji\u0161t\u011bn\u00ed staveb\u00a0Jak u\u017e z n\u00e1zvu vypl\u00fdv\u00e1, t\u00fdk\u00e1 se pouze stavebn\u00edch z\u00e1klad\u016f domu, t\u00edm jsou my\u0161lena okna, zdi, st\u0159echa a tak d\u00e1le. Tohle poji\u0161t\u011bn\u00ed se nejv\u00edce vyu\u017e\u00edv\u00e1 proti \u017eiveln\u00fdm rizik\u016fm, nap\u0159\u00edklad proti z\u00e1plav\u00e1m, po\u017e\u00e1r\u016fm nebo klidn\u011b proti siln\u00e9mu krupobit\u00ed, kter\u00e9 by poni\u010dilo st\u0159echu. Na poji\u0161\u0165ovnu bychom se mohli tak\u00e9 obr\u00e1tit, pokud by se jednalo o vandalismus, tud\u00ed\u017e, kdyby n\u00e1m nap\u0159\u00edklad sprejer poni\u010dil novou fas\u00e1du.\u00a0\u00a0Havarijn\u00ed poji\u0161t\u011bn\u00ed\u00a0V p\u0159\u00edpad\u011b vyu\u017eit\u00ed tohoto poji\u0161t\u011bn\u00ed si poji\u0161\u0165ujeme svoje vlastn\u00ed auto na p\u0159\u00edpad, kdyby bylo n\u011bjak\u00fdm zp\u016fsobem po\u0161kozeno, a\u0165 u\u017e va\u0161\u00ed z\u00e1sluhou nebo klidn\u011b z\u00e1sluhou p\u0159\u00edrodn\u00ed katastrofy. U n\u00e1s se tato situace asi \u010dasto nestane, ale nap\u0159\u00edklad velk\u00e9 povodn\u011b mohou odn\u00e9st i auto a po\u0161kodit za docela zna\u010dnou \u010d\u00e1stku. Smlouvu mus\u00edme ka\u017ed\u00fd rok obnovovat, z d\u016fvodu, aby auto m\u011blo st\u00e1le aktu\u00e1ln\u00ed hodnotu v p\u0159\u00edpad\u011b po\u0161kozen\u00ed.\u00a0                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Poji\u0161t\u011bn\u00ed majetku a jeho druhy","item":"https:\/\/www.tulipy.cz\/pojisteni-majetku-a-jeho-druhy\/#breadcrumbitem"}]}]