{"id":69065,"date":"2024-03-13T09:14:27","date_gmt":"2024-03-13T07:14:27","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=69065"},"modified":"2024-03-13T09:14:27","modified_gmt":"2024-03-13T07:14:27","slug":"asigurarea-locuintei-o-nevoie-dar-si-un-avantaj-pentru-proprietar-ce-daune-poate-sa-acopere","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/asigurarea-locuintei-o-nevoie-dar-si-un-avantaj-pentru-proprietar-ce-daune-poate-sa-acopere_db\/","title":{"rendered":"Asigurarea locuin\u021bei &#8211; o nevoie, dar \u0219i un avantaj pentru proprietar. Ce daune poate s\u0103 acopere?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"805\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2024\/03\/asigurare-locuinta-1-1024x805.png\" alt=\"\" class=\"wp-image-69067\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2024\/03\/asigurare-locuinta-1-1024x805.png 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2024\/03\/asigurare-locuinta-1-300x236.png 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2024\/03\/asigurare-locuinta-1-768x603.png 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2024\/03\/asigurare-locuinta-1.png 1400w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>Cu toate c\u0103 investe\u0219ti \u00een cele mai bune materiale pentru construc\u021bia \u0219i amenajarea locuin\u021bei, exist\u0103 o serie de riscuri pe care nu le po\u021bi controla, cum ar fi dezastrele naturale, cutremurele, inunda\u021biile \u0219i incendiile.&nbsp;Ce e de f\u0103cut, \u00een aceste situa\u021bii, pentru a-\u021bi proteja bunurile? De\u0219i o poli\u021b\u0103 de asigurare nu poate preveni astfel de evenimente nefericite, aceasta \u00ee\u021bi ofer\u0103 garan\u021bia desp\u0103gubirii. <\/strong><\/p>\n\n\n\n<p>Cu alte cuvinte, te asiguri c\u0103 toate daunele vor fi reparate \u0219i c\u0103 locuin\u021ba ta \u00ee\u0219i va rec\u0103p\u0103ta tot confortul, f\u0103r\u0103 a face eforturi financiare majore. S\u0103 vedem de c\u00e2te tipuri poate fi asigurarea locuin\u021bei, ce acoper\u0103 \u0219i de ce acte ai nevoie.&nbsp;<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69ef9063c908c\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69ef9063c908c\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/asigurarea-locuintei-o-nevoie-dar-si-un-avantaj-pentru-proprietar-ce-daune-poate-sa-acopere_db\/#Importanta_asigurarii_locuintei\" >Importan\u021ba asigur\u0103rii locuin\u021bei<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/asigurarea-locuintei-o-nevoie-dar-si-un-avantaj-pentru-proprietar-ce-daune-poate-sa-acopere_db\/#Ce_acopera_asigurarea_obligatorie_a_locuintei\" >Ce acoper\u0103 asigurarea obligatorie a locuin\u021bei<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/asigurarea-locuintei-o-nevoie-dar-si-un-avantaj-pentru-proprietar-ce-daune-poate-sa-acopere_db\/#Cat_costa_asigurarea_obligatorie_a_locuintei\" >C\u00e2t cost\u0103 asigurarea obligatorie a locuin\u021bei<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/asigurarea-locuintei-o-nevoie-dar-si-un-avantaj-pentru-proprietar-ce-daune-poate-sa-acopere_db\/#Asigurarea_facultativa_a_locuintei_%E2%80%93_o_investitie_responsabila\" >Asigurarea facultativ\u0103 a locuin\u021bei &#8211; o investi\u021bie responsabil\u0103<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/asigurarea-locuintei-o-nevoie-dar-si-un-avantaj-pentru-proprietar-ce-daune-poate-sa-acopere_db\/#Acte_necesare_pentru_asigurarea_locuintei\" >Acte necesare pentru asigurarea locuin\u021bei<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Importanta_asigurarii_locuintei\"><\/span>Importan\u021ba asigur\u0103rii locuin\u021bei<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>O poli\u021b\u0103 de asigurare a locuin\u021bei \u00ee\u021bi aduce o serie de avantaje:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Desp\u0103gubirea daunelor: <\/strong>Dup\u0103 orice eveniment neprev\u0103zut care \u021bi-a avariat locuin\u021ba, ai garan\u021bia c\u0103 beneficiezi de repara\u021bii f\u0103r\u0103 costuri suplimentare. \u00cen func\u021bie de tipul de asigurare, po\u021bi beneficia at\u00e2t de repara\u021bii ale structurii cl\u0103dirii, c\u00e2t \u0219i de desp\u0103gubiri pentru electrocasnice, mobilier, obiecte de valoare, instala\u021bii. \u00cen acest mod, te asiguri c\u0103 \u00ee\u021bi salvezi c\u0103minul \u0219i po\u021bi sta f\u0103r\u0103 griji;<\/li>\n\n\n\n<li><strong>Men\u021binerea stabilit\u0103\u021bii financiare: <\/strong>Dac\u0103 locuin\u021ba nu este asigurat\u0103, costurile repara\u021biilor sunt enorme \u00een situa\u021bia unor avarii grave. Iar \u00een cazul \u00een care bugetul t\u0103u este insuficient, vei fi nevoit s\u0103 iei un credit. Asigurarea locuin\u021bei \u00ee\u021bi permite s\u0103 \u00ee\u021bi p\u0103strezi stabilitatea financiar\u0103, \u00een timp ce proprietatea ta este renovat\u0103;<\/li>\n\n\n\n<li><strong>Ob\u021binerea unui credit ipotecar: <\/strong>Poli\u021ba de asigurare pentru locuin\u021b\u0103 \u00ee\u021bi permite, de asemenea, s\u0103 accesezi un credit ipotecar, fiind o form\u0103 de garan\u021bie a creditorului pentru \u00eemprumut;<\/li>\n\n\n\n<li><strong>Accesibilitate \u0219i flexibilitate: <\/strong>Costurile unei asigur\u0103ri sunt mici, accesibile tuturor. \u00cen plus, \u00een cazul unei asigur\u0103ri facultative, ai libertatea de a alege o varietate de acoperiri extra pentru locuin\u021ba ta.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ce_acopera_asigurarea_obligatorie_a_locuintei\"><\/span>Ce acoper\u0103 asigurarea obligatorie a locuin\u021bei<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Asigurarea obligatorie sau poli\u021ba de asigurare \u00eempotriva dezastrelor naturale (PAD) este reglementat\u0103 prin Legea 260\/2008. \u00cen lipsa acesteia, nu po\u021bi beneficia de desp\u0103gubiri pentru eventuale daune produse de dezastrele naturale, deci va trebui s\u0103 pl\u0103te\u0219ti repara\u021biile din bugetul propriu. De asemenea, o locuin\u021b\u0103 neasigurat\u0103 atrage dup\u0103 sine amenzi cuprinse \u00eentre 100 \u0219i 500 de lei.&nbsp;<\/p>\n\n\n\n<p>Dac\u0103 ai \u00een proprietate mai multe locuin\u021be, este nevoie s\u0103 \u00eenchei asigur\u0103ri separate pentru fiecare dintre ele.&nbsp;<\/p>\n\n\n\n<p>Asigurarea obligatorie a locuin\u021bei acoper\u0103 doar daunele produse de:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cutremure;<\/li>\n\n\n\n<li>Inunda\u021bii din cauze naturale;<\/li>\n\n\n\n<li>Alunec\u0103ri de teren.<\/li>\n<\/ul>\n\n\n\n<p>Aceasta acoper\u0103 exclusiv repara\u021biile structurii cl\u0103dirii, dar nu asigur\u0103 \u0219i bunurile din interiorul locuin\u021bei (cum ar fi mobilierul sau electrocasnicele), dependin\u021bele, anexele sau alte amenaj\u0103ri speciale. De asemenea, nu acoper\u0103 daunele produse de incendii, vandalism sau inunda\u021bii cauzate de instala\u021biile defecte. Pentru a fi asigurat \u00eempotriva tuturor acestor tipuri de incidente care au ca rezultat avarierea propriet\u0103\u021bii, ai nevoie de o asigurare facultativ\u0103.<\/p>\n\n\n\n<p>O men\u021biune important\u0103 este faptul c\u0103 nu po\u021bi \u00eencheia un contract PAD pentru cl\u0103dirile aflate \u00een clasa 1 de risc seismic. Cu toate acestea, potrivit noilor norme reglementate prin Legea 115\/2023, ai posibilitatea de a \u00eencheia o asigurare facultativ\u0103 pentru aceste tipuri de cl\u0103diri.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cat_costa_asigurarea_obligatorie_a_locuintei\"><\/span>C\u00e2t cost\u0103 asigurarea obligatorie a locuin\u021bei<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pre\u021bul asigur\u0103rii obligatorii a locuin\u021bei difer\u0103 \u00een func\u021bie de categoria \u00een care se \u00eencadreaz\u0103 cl\u0103direa:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Locuin\u021b\u0103 tip A: <\/strong>130 RON\/an, la o sum\u0103 asigurat\u0103 de 100.000 RON. \u00cen aceast\u0103 categorie intr\u0103 propriet\u0103\u021bile cu structur\u0103 din lemn\/beton armat\/metal sau cu pere\u021bi exteriori din materiale tratate chimic\/termic (cum ar fi piatr\u0103 sau c\u0103r\u0103mid\u0103 ars\u0103);<\/li>\n\n\n\n<li><strong>Locuin\u021b\u0103 tip B: <\/strong>50 RON\/an, la o sum\u0103 asigurat\u0103 de 50.000 RON. \u00cen aceast\u0103 categorie sunt incluse cl\u0103dirile construite din materiale netratate termic sau chimic, cum ar fi chirpici sau c\u0103r\u0103mid\u0103 nears\u0103.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Asigurarea_facultativa_a_locuintei_%E2%80%93_o_investitie_responsabila\"><\/span>Asigurarea facultativ\u0103 a locuin\u021bei &#8211; o investi\u021bie responsabil\u0103<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Asigurarea facultativ\u0103 a locuin\u021bei reprezint\u0103, de fapt, o poli\u021b\u0103 de asigurare extins\u0103, cu acoperiri extra. Aceasta acoper\u0103 daunele produse din alte cauze fa\u021b\u0103 de cele acoperite de asigurarea obligatorie. Pentru a \u00eencheia o poli\u021b\u0103 de asigurare facultativ\u0103, este necesar, \u00eens\u0103, s\u0103 ai \u0219i un contract PAD (cu excep\u021bia cl\u0103dirilor aflate \u00een categoria 1 de risc seismic, pentru care nu se elibereaz\u0103 asigurare obligatorie).&nbsp;<\/p>\n\n\n\n<p>\u00cen func\u021bie de ofertele asiguratorilor, po\u021bi beneficia de desp\u0103gubiri pentru:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Furt;<\/li>\n\n\n\n<li>Vandalism;<\/li>\n\n\n\n<li>Incendii;<\/li>\n\n\n\n<li>Inunda\u021bii produse de conducte defecte (proprii sau ale vecinilor);<\/li>\n\n\n\n<li>Explozii;<\/li>\n\n\n\n<li>Fenomene meteo (cum ar fi tr\u0103snete, furtuni, grindin\u0103, avalan\u0219e);<\/li>\n\n\n\n<li>Daune provocate de animale.<\/li>\n<\/ul>\n\n\n\n<p>Unele oferte includ \u0219i desp\u0103gubirea cheltuielilor pentru cur\u0103\u021bare \u0219i \u00eendep\u0103rtarea resturilor, obiecte de valoare, electrocasnice \u0219i mobilier.<\/p>\n\n\n\n<p>Pre\u021burile unei asigur\u0103ri facultative variaz\u0103 \u00een func\u021bie de ofertele asiguratorilor \u0219i de acoperirile op\u021bionale pe care \u021bi le alegi. Po\u021bi solicita o ofert\u0103 personalizat\u0103 \u00een func\u021bie de nevoile tale.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Acte_necesare_pentru_asigurarea_locuintei\"><\/span>Acte necesare pentru asigurarea locuin\u021bei<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pentru asigurarea unei locuin\u021be, ai nevoie de:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Actul de proprietate al locuin\u021bei sau certificatul de mo\u0219tenitor, dup\u0103 caz;<\/li>\n\n\n\n<li>Carte de identitate.<\/li>\n<\/ul>\n\n\n\n<p>De asemenea, asiguratorul poate avea nevoie \u0219i de informa\u021bii suplimentare, cum ar fi istoricul de daune, anul construc\u021biei, num\u0103r de etaje, suprafa\u021ba, tipul materialelor de construc\u021bie.<\/p>\n\n\n\n<p>Poli\u021ba de asigurare poate fi realizat\u0103 \u00een absen\u021ba proprietarului, de c\u0103tre o persoan\u0103 \u00eemputernicit\u0103.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cu toate c\u0103 investe\u0219ti \u00een cele mai bune materiale pentru construc\u021bia \u0219i amenajarea locuin\u021bei, exist\u0103 o serie de riscuri pe care nu le po\u021bi controla, cum ar fi dezastrele naturale, cutremurele, inunda\u021biile \u0219i incendiile.&nbsp;Ce e de f\u0103cut, \u00een aceste situa\u021bii, pentru a-\u021bi proteja bunurile? De\u0219i o poli\u021b\u0103 de asigurare nu poate preveni astfel de evenimente [&hellip;]<\/p>\n","protected":false},"author":821,"featured_media":69066,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[259],"tags":[1421,340],"content_author":[],"class_list":["post-69065","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-stiri","tag-asigurare-obligatorie","tag-asigurarea-facultativa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Asigurarea locuin\u021bei - o nevoie, dar \u0219i un avantaj pentru proprietar. 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