A person’s home is his fortress, but even with it unforeseen situations happen. What should you do if your neighbors flooded, a fire started from leaving the iron on, or a window glass was broken by someone’s well-aimed stone? Eliminating the consequences of troubles can cost a hefty sum, not to mention the sometimes irretrievable loss of personal belongings dear to the heart. To compensate for at least material damage, insurance companies provide programs for the protection of real estate and the valuables contained in it. Sberbank issues such insurance as part of the “Home Protection” offer on flexible terms and conditions accessible to most citizens. Let's take a closer look at this program and study its main parameters that are relevant for 2018.
Conditions for insuring an apartment or house in Sberbank in 2018
The insurance division of the country's largest bank offers comprehensive home protection against the most common risks, as well as civil liability insurance in case of damage to neighbors' property. Expenses incurred under the following circumstances are subject to compensation:
- impact on property of fire, smoke, flammable gases, and other consequences of fire;
- flooding with any liquid, exposure to steam;
- theft, robbery, robbery, as well as vandalism and hooliganism;
- explosion and its consequences;
- repair/redevelopment of neighboring premises by third parties;
- natural disasters and their consequences;
- lightning strike;
- falling on the insured property of aircraft and their parts.
The level of insurance protection is chosen by the client independently from 4 options: the most affordable of them will cost 1,750 rubles per year with a maximum payment amount of 450,000 rubles, while the highest compensation is provided for interior decoration - 200,000 rubles, while movable property and civil liability neighbors are insured for 150,000 and 100,000 rubles, respectively. The maximum amount of insurance reaches 2,000,000 rubles with an annual premium of 6,750 rubles, damage for repairs is covered in an amount of no more than 1,000,000 rubles, and valuables and compensation for damage to property of third parties account for 500,000 rubles of insurance protection each.
The insurance program provides payments in connection with damage or loss of the following elements of furnishings and things:
- furniture, both built-in and cabinet;
- Appliances;
- electrical appliances, audio and video equipment;
- personal clothing and footwear, bedding;
- interior items;
- equipment and supplies for sports;
- children's toys, strollers.
A deductible, that is, the insurer’s exemption from payment if the amount of damage does not exceed a pre-agreed amount, is not provided for in the contract. At the same time, the payment for each unit of property cannot exceed 25,000 rubles. In addition, the terms of the program exclude insurance of jewelry, as well as compensation for moral damage. Such insurance is not suitable for providing additional guarantees on a mortgage loan.
The procedure for registering a “Home Protection” policy in Sberbank
To conclude an insurance contract, you should contact any branch of Sberbank; online registration of insurance is also provided on the official website of the insurance division. The latter option is not only more convenient, but also more economical: the policy will cost on average 10% less, and the absence of the need to inspect the property significantly speeds up the procedure for any choice.
Another advantage of electronic registration is the ability to pay up to 10% of the cost of insurance with bonuses under the “Thank you from Sberbank” program. Moreover, the basic offer with a minimum insurance premium is available for purchase only through the website. The online registration process includes several steps:
- first you need to go to the website sberbankins.ru, select the “Buy online” section at the bottom of the page, then select the “Online home protection” item;
- the insurance product page provides detailed information about its conditions and cost, and related documents are also available for downloading, which it is recommended that you read before purchasing a policy;
- To apply for insurance, click on the “Buy online” button, select the appropriate level of insurance protection, enter the required personal data and pay for the policy with a bank card.
The electronic policy should be sent to the e-mail specified during registration - if this does not happen or the document contains incorrect data, you must contact the bank as soon as possible. The contract comes into force after 14 days from the date of payment for the policy; during this period the client has the right to return the insurance and receive the premium amount in full. The policy is valid for 1 year.
Actions upon the occurrence of an insured event
A comprehensive insurance solution designed to insure the integrity of your apartment or house. All programs include both protection in case of many risks and troubles, and insurance of your liability to your neighbors.
What is insured?
Finishing and engineering equipment. Interior decoration and engineering equipment include:
- door and window units (including glazing);
- floors (excluding interfloor ceilings);
- lightweight internal partitions (made of plasterboard, chipboard, fiberboard, etc.);
- a layer of finishing materials applied or attached to the surface of the floor, ceiling and walls;
- plumbing and engineering equipment;
- wiring;
- electric meters;
- electrical installation and other similar products.
Movable property: movable property includes:
- furniture (built-in, cabinet);
- Appliances;
- Computer Engineering;
- office equipment;
- peripherals;
- television and audio equipment;
- means of city telephone communication;
- clothing and shoes;
- sports and tourism equipment;
- bed dress;
- interior items;
- personal belongings;
- baby strollers and toys.
What is it insured against?
Fire
- Exposure to the insured property of fire, smoke, combustion products, flammable gases, high temperature and fire extinguishing agents used to prevent further spread and extinguish fire (water, foam, etc.).
- Impact of water and steam on the insured property. As well as other liquids that conduct heat (oil, refrigerants, etc.) or fire extinguishing agents.
- Theft with illegal entry into premises, robbery, robbery, intentional destruction or damage to property by third parties, hooliganism, vandalism.
- The impact on the insured property of fire, expanded gases or vapors, propagated by a shock wave and objects/objects moved by it. As well as damage resulting from the use of measures to stop or prevent the effects of the explosion.
Civil responsibility
- Obligation to compensate expenses in case of harm to life or health. and/or property of individuals or legal entities as a result of careless use of the insured premises.
- Causing damage to the insured property as a result of major repairs or reconstruction (redevelopment, re-equipment) of neighboring premises.
- Destruction or damage to the insured property as a result of flood, high water, high water, storm, whirlwind, hurricane, tornado, typhoon, hail, mudflow, avalanche, landslide, rockfall, earthquake, volcanic eruption, snow pressure, frost, heavy rain, tsunami.
- Thermal, mechanical or electrical (atmospheric overvoltage) impact on the insured property.
- Damage to the insured property as a result of the fall of the body or parts of the aircraft body, cargo or other objects on it, as well as the impact of an air shock wave caused by their fall.
Do I need this product?
Our comprehensive offer is for those who want to protect themselves from unpleasant surprises and value the peace and safety of their family and friends.
Make a responsible decision to protect your home or apartment and take out a policy, choosing the insurance option that is convenient for you.
Insurance period
The start date is the 15th calendar day from the date of payment.
The policy is valid for 12 months
The policy is valid for 12 months 
FAQ*
In what territory is the property insured? The policy indicates the insurance territory - this is the address of the property (apartment or house) that is insured.
What is the payout limit? Do I have such a limit in my policy? This is a limit established on the total number of insurance payments, or the amount of insurance payment for one event, made under the Insurance Agreement. Within the “Home Protection Online” product, a limit is set as a percentage of the insured amount for damage to finishing. 
There is also a limit of 25,000 rubles per unit of damaged or lost property. Can I pay for the policy in installments? There is no installment plan for paying the insurance premium.
Is there a deductible in my policy? The product does not provide for a franchise.
What property can be insured? Finishing of apartments, buildings, structures, movable property, including household and personal items: furniture, audio, video and electronic equipment, household electrical, acoustic musical instruments, technical media (audio and video cassettes, records and CDs), in addition to the information on it, optical instruments (binoculars, telescopes and magnifying glasses), carpets and other weaving products, dishes, a book library (not antique), clothing, shoes, bags, etc.
Can I insure jewelry? The program does not provide protection for jewelry.
What are illegal actions of third parties? This is theft with illegal entry into a house/apartment, robbery, robbery, intentional destruction or damage to property, hooliganism, vandalism, entry into a house or apartment by burglary.
I am an individual entrepreneur, can I insure my property? The product is intended to insure the property of individuals only (property not used in business activities). If you buy our product, then your apartment or house will be insured.
Can property be insured for less than a year? The policy is valid only for 12 months.
My place of registration has changed, is it still valid?
concluded policy? If the place of registration has changed, then the policy will not be valid at the new address. If the owner has changed, then all rights and obligations under the agreement pass to the new owner. Accordingly, the new owner will receive the insurance compensation.
What is civil liability? This is liability associated with the obligation to compensate for harm to life and health, as well as to the property of third parties, caused during the ownership, use and disposal of an apartment or house.
Is moral damage compensated? Losses arising as a result of victims' claims for compensation for moral damage are not compensated.
The policy never arrived in my email, what could be the problem? It is necessary to check the "spam" folder in your mail, because... Perhaps your mailbox is configured in such a way that some messages immediately end up in the spam folder. If there is no letter in the "spam" folder, then we ask you to inform us about the problem via , we will contact you and resolve the problem.
Is Home Protection suitable for mortgage insurance? No, it doesn't fit.
Do you have any questions?
Contact us by toll-free number 8 800 555 555 7 (for calls from Russia) or leave your question via indicating your policy number.
Buy online
An insured event has occurred
1. Call us toll-free number 8 800 555 555 7. Contact Center specialists will help you resolve your issue
What else needs to be done:
familiarize yourself with the procedure for action in the event of an insured event (download the memo),
take photographs of all damage in accordance with the recommendations outlined in,
fill out an application for an insurance event
familiarize yourself with the list of documents for reporting an event that has signs of an insured event in accordance with the Insurance Rules (download).
2. Fill out the application and prepare the necessary documents.
Send the documents to the Insurance Company in a way convenient for you:
- through ,
- through any branch of Sberbank PJSC,
- by letter to the address Russia, 115093, Moscow, st. Pavlovskaya, 7.
Also, if it is necessary to inspect the damaged property by experts from the insurance company, you can submit all the necessary documents through the expert organization on the day of inspection of the damaged property. The expert is called by an employee of the insurance company after registering the request in the Contact Center.
3. We will help resolve your issue:
If Sberbank Insurance recognizes the event as an insured event, payment of insurance compensation is made within 15 (fifteen) working days after receipt of all necessary documents in accordance with the Insurance Conditions, confirming the fact of the occurrence of the insured event and the amount of damage caused.
Attention! Please, before concluding an insurance contract, read in detail the rules and conditions of insurance on which a specific insurance contract is concluded.
According to the Federal Mortgage Law, a client purchasing real estate through a bank is required to insure it in favor of the banking institution. The borrower must insure the home for an amount equal to the loan amount.
Insurance is a necessity when obtaining a loan for many items The bank determines the following conditions for obtaining insurance for a house or apartment:
- mortgaged housing must be insured, otherwise the application for a mortgage loan with collateral will not be considered by the bank;
- the banking institution takes seriously the insurance companies entering into contracts to ensure the solvency of the company and their ability to pay compensation in full;
- permission to receive a loan is possible after meeting all the requirements for the client and the company.
Insured risks: fire, explosion, natural disasters
The bank offers several policy options, the price of which will largely depend on the number and type of insured events specified in the contract. Insurers offer to include a greater number of possible risks in the policy in order to protect the mortgaged property from any damage.
The most well-known risks include:
- natural disasters (earthquake, flood, etc.);
- fire;
- gas explosion;
- flooding (natural and caused by neighbors);
- destruction associated with the entry of aircraft and other types of transport into the property;
- destruction of housing as a result of defects in structures and communications;
- damage caused by illegal actions of third parties.
Object of insurance and risks Types of insurance property
Sberbank, offering real estate insurance to its clients, defines different types of policies. In any option, the victim receives monetary compensation if his home or property has become unusable as a result of the occurrence of an insured event specified in the contract. It also includes causing physical or material damage to neighbors.
Insurance programs related to real estate include mandatory home insurance when issuing a mortgage loan, as well as voluntary insurance of houses, apartments and land outside of mortgage lending.
As part of the mortgage, the borrower is required to insure the mortgaged property. Insurance in this case goes in three directions:
- housing (collateral property);
- title (protecting the borrower from loss of housing as a result of litigation);
- the ability to work and life of the borrower himself.
The first option is a mandatory condition for issuing a mortgage, approved at the legislative level, and the other two are at the discretion of the borrower. But it is worth considering that in case of refusal on the last two, the bank automatically raises the interest rate on the loan in order to avoid risks as much as possible. Moreover, the amount of additional interest in case of refusal significantly exceeds the amount of both insurance - title and life of the borrower.
In fact, taking out a mortgage means three types of home insurance:
- from fire and flooding;
- "protection" of the house;
- insurance of land against flooding.
Apartment insurance against fire and flooding
Recently, apartment insurance against fires and floods has become increasingly popular among Russians among all policies. The occurrence of such insurance cases is associated with the behavior of the citizens themselves. Huge energy consumption, leading to frequent short circuits and damage to electrical wiring, can become the main cause of fire. Negative factors include unprofessional repair and replacement of electrical equipment. Such negligence leads to fires, and, consequently, to damage to housing and destruction of property. No less destruction occurs as a result of flooding of residential premises. The causes of flooding are varied. This is damage to apartments from downpours and rain due to the absence or poor quality of roof repairs. Flooding can occur as a result of leakage of sewer pipes and water supply pipes and cause damage to the property of both the apartment owner and his neighbors. In this case, the policy owner must act according to instructions: the amount of compensation for loss depends on this:
- report the incident to the insurance company where the policy was issued;
- take video and photographs confirming all damage;
- in the presence of witnesses and representatives of housing maintenance services, draw up a report with a full description of the damage;
- To confirm the amounts spent on eliminating the consequences of a fire or flood, keep all receipts and documents until the end of the policy: they will become the basis for calculating the amount of compensation.
Correct actions in the event of an insured event 
The cost of a policy for flooding of housing depends on many factors: the list of possible insured events, the size of the living space, its age and location. It can be separated into a separate policy, or it can become part of a comprehensive agreement. Such a unique product is the Multipolis Online program. It allows not only to insure the client’s property and home against various damages, but also performs a protective function regarding civil liability, the use of bank cards, loss of health and protection of travelers. With the purchase of one comprehensive insurance, the client simultaneously protects himself and his property from various insurance risks. The cost of Multipolicy Online is calculated individually and depends on the amount of insurance.
Home Protection Program
Home Protection Program– another type of insurance on a voluntary basis. It provides protection against the most common risks: damage to property, damage caused to internal communications and repairs, civil liability for the listed damage. Under this program, the home is not pledged on a mortgage loan, but is purchased by the client independently.
The insured property includes: household appliances, furniture, computer and digital equipment, peripheral equipment, sports equipment, clothing, bed linen and many other household items. Compensation can also be obtained in the event of damage to the repair. The following are subject to insurance: window glazing, doors, indoor floors, engineering and plumbing equipment, internal partitions and walls, electrical wiring, etc.
When purchasing a policy, the most common risks are taken into account - natural disasters, flooding in case of damage to communications, fire, explosion, theft, damage to communications as a result of major repairs by a third party in the adjacent territory, as well as all these options only in case of civil liability to neighbors.
The policy includes 4 cost options – 1,750 rubles. – 6750 rub./year. The price depends on the amount of insurance, which is set from 450 thousand to 2 million rubles. The more expensive the policy, the greater the amount of compensation. An application for option 1 (the most budget-friendly) can be completed online; in all other cases, you must contact a branch of a banking institution.
Insurance of land against flooding
This common procedure is often resorted to by entrepreneurial borrowers who want to receive a large loan for production needs or to develop their own business. As a rule, the bank gives significant loans for a long period of time using property as collateral. An excellent option could be a plot of land owned by the borrower. In turn, the bank is interested in ensuring that the collateral remains in its original form during the term of the loan agreement.
Since land plots can be subject to various destructive factors, the bank requires the borrower to insure the land, which serves as collateral.
If you look from the point of view of natural conditions and geography, the most likely insurance risks may be flooding of land as a result of river floods, as well as soil contamination with harmful substances. In addition to the plot itself, the borrower can insure various buildings located on the territory of the plot, as well as the rental right itself.
Sberbank is a bank that you can trust not only with your money, but also with your property, in particular your home and almost everything in it. Insuring an apartment with Sberbank is a wise decision, because no one can ever be sure that when leaving for work, their apartment will not be flooded by the neighbors above or the wiring will not short out. Every day such troubles happen all the time, but only ordinary people tend to believe that this can happen to anyone, but not to him. And only responsible and prudent people insure their homes, since the cost of insurance is mere trifles compared to the losses that an accident can cause, even flooding by neighbors above.
Page content
What can be insured
Property insurance under the Home Protection program for individuals covers:
- interior decoration of an apartment or house, as well as communications (engineering equipment);
- all movable property located within the apartment/house;
- liability to third parties (neighbors) for damage caused to their property.
The object of interior decoration and communications should be understood as:
- the outer layer of wall, ceiling and floor finishing (materials that are applied or attached in a certain way to the surface);
- doors, windows, including double-glazed windows;
- floor coverings (laminate, parquet, linoleum) with the exception of interfloor ceilings);
- internal structures and partitions made of lightweight materials (fibreboard, plasterboard, chipboard, etc.);
- electrical equipment (wiring, meters, sockets, etc.).
Movable property that is covered by the Home Protection insurance program includes:
- audio equipment;
- television equipment;
- computer equipment (computing, peripheral equipment, office equipment);
- household appliances (washing machine, microwave oven, stove, refrigerator, etc.);
- furniture;
- telephone set (landline);
- personal belongings;
- shoes and clothing;
- bed linen and towels;
- children's things, including toys and vehicles;
- equipment for sports and tourism;
- other interior items.
Liability to third parties is insured only in the following cases:
- when causing losses to neighbors due to flooding of their property;
- in case of harm to the health of neighbors and other third parties due to a fire or gas explosion that occurred in the insured apartment.
Based on the above, it is clear that real estate insurance under the “Home Protection” program covers not only the real estate itself, but also all the property that was in the apartment/house at the time of the insured event.
What risks is protected against?
Home contents insurance is carried out to protect against the following risks:
- from fire and flooding;
- from gas leaks and explosions;
- from various natural disasters (flood, hurricane, etc.);
- from theft and damage due to illegal actions of third parties;
- from mechanical damage due to repair work or reconstruction by third parties (owners of adjacent apartments and premises);
- from damage caused by the fall of airplanes and other aircraft or their individual parts;
- causing harm to health and life, as well as property of third parties.
That is, you insure not only your apartment against damage due to an accident or illegal actions of other people, but also your liability to your neighbors for harm caused to them through your direct or indirect fault.
Anyone who decides to insure their real estate can choose the optimal amount of insurance protection, the size of which determines the cost of the insurance policy. Insurance coverage is divided into three parts, the largest of which is the maximum amount of insurance coverage for damage caused to interior decoration and utilities. Two more amounts cover losses due to an insured event caused to movable property and the civil liability of the owner of the insured apartment/house.
Table. The cost of the insurance policy and the amount of insurance coverage.
*The first option of the insurance policy is available only when purchasing Home Protection insurance through the Sberbank Online system.
**Annual cost of the policy when issued at a Sberbank branch.
Attention! The cost of “Home Protection” insurance issued online is slightly cheaper than a policy issued directly at a bank branch through a teller.
How to apply for a policy online
Real estate insurance under the Home Protection program is possible online through the official website of Sberbank. To issue a policy this way, you must:
- Go to the official website of Sberbank.
- Open the “Insure yourself and property” tab from the menu located at the top of the page.
- Click on the link in the menu that appears “Insurance for an apartment or house – apply online.”
- On the page that opens, check out the options for insurance policies and their costs.
- Go to the registration page by clicking the corresponding “Apply online” button.
- Choose a suitable offer.
- Decide on the amount of insurance coverage, taking into account possible risks.
- If there is one, enter the promo code in the appropriate field, it entitles you to a certain discount.
- The system will calculate the total cost.
- By clicking the “Buy” button you will be taken to the checkout page.
- On the page that opens, you must enter all personal data (full name, date of birth, indicate gender, passport details of a citizen of the Russian Federation, registration address, as well as the address of the property that is insured, if it does not coincide with the place of registration, and contact information).
- After you click “Continue,” the insurance policy purchase confirmation page will open.
- Check the entered data again and confirm your actions.
- Please go to the nearest bank branch with your identification documents.
- Explain the purpose of your visit to the Sberbank employee.
- Learn about home insurance options.
- Choose the best option.
- Fill out the form with all your information.
- Sign the insurance contract.
- Pay for the policy through the cashier.
- Get your insurance policy in hand.
After confirming the purchase of insurance, a letter with the policy will be sent to your email address. After which you will need to pay with your bank card. Online insurance and an electronic policy have the same legal force as insurance in a Sberbank branch and a policy printed on a special form. In both cases, insurance comes into force only on the 15th day from the date of payment.
How to apply at a Sberbank branch
If for some reason you cannot obtain insurance online, or you do not trust this method, then you can always contact Sberbank to insure your property. To issue a policy at a Sberbank branch, you must:
Anyone who is concerned about the well-being of themselves and their family can protect their home and property. This is a reasonable decision of modern people.
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