{"id":71637,"date":"2025-02-13T16:49:19","date_gmt":"2025-02-13T14:49:19","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=71637"},"modified":"2025-02-13T16:49:19","modified_gmt":"2025-02-13T14:49:19","slug":"harta-asigurarilor-unde-sunt-protejate-locuintele-si-unde-domina-hazardul","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/harta-asigurarilor-unde-sunt-protejate-locuintele-si-unde-domina-hazardul_db\/","title":{"rendered":"3 din 10 case din Rom\u00e2nia, preg\u0103tite pentru un dezastru. Unde g\u0103sim cei mai grijulii proprietari \u0219i unde par ace\u0219tia s\u0103 joace la loteria destinului?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/02\/asigurari-locuinte-1024x682.jpg\" alt=\"\" class=\"wp-image-71638\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/02\/asigurari-locuinte-1024x682.jpg 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/02\/asigurari-locuinte-300x200.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/02\/asigurari-locuinte-768x512.jpg 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/02\/asigurari-locuinte-1536x1024.jpg 1536w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/02\/asigurari-locuinte.jpg 2000w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>Cele mai multe locuin\u021be din Rom\u00e2nia sunt vulnerabile \u00een orice moment \u00een fa\u021ba riscurilor pentru c\u0103 doar 17% dintre proprietari au \u00eencheiat o poli\u021b\u0103 facultativ\u0103 care s\u0103 le ofere o protec\u021bie extins\u0103 \u00eempotriva incendiilor, furtunilor sau avariilor accidentale, potrivit celor mai recente date ale Uniunii Na\u021bionale a Societ\u0103\u021bilor de Asigurare \u0219i Reasigurare din Rom\u00e2nia.<\/strong><\/p>\n\n\n\n<p>Distribu\u021bia asigur\u0103rilor facultative \u00een Rom\u00e2nia arat\u0103 o realitate \u00eengrijor\u0103toare: doar \u00een c\u00e2teva zone ale \u021b\u0103rii locuin\u021bele sunt c\u00e2t de c\u00e2t protejate, \u00een timp ce \u00een altele, proprietarii par s\u0103 joace la loteria destinului. <\/p>\n\n\n\n<p>Regiunea Bucure\u0219ti-Ilfov conduce clasamentul, cu 29% dintre locuin\u021be asigurate \u00eempotriva riscurilor majore, de la incendii \u0219i calamit\u0103\u021bi naturale p\u00e2n\u0103 la furturi \u0219i explozii. Cu alte cuvinte, aproape trei din zece case din aceast\u0103 zon\u0103 sunt preg\u0103tite s\u0103 fac\u0103 fa\u021b\u0103 unui dezastru.<\/p>\n\n\n\n<p>\u00cens\u0103, pe m\u0103sur\u0103 ce privim spre restul \u021b\u0103rii, cifrele \u00eencep s\u0103 scad\u0103 vertiginos. Regiunea Vest ocup\u0103 locul al doilea, cu 20% dintre locuin\u021be asigurate, urmat\u0103 de Centru, unde doar 18% dintre proprietari \u0219i-au luat m\u0103suri de precau\u021bie. <\/p>\n\n\n\n<p>\u00cen Nord-Vest, procentul coboar\u0103 la 17%, iar \u00een Sud-Est ajunge la 14%. Situa\u021bia devine alarmant\u0103 \u00een Nord-Est \u0219i Sud, unde doar 12% dintre locuin\u021be au o asigurare facultativ\u0103, iar Sud-Vest \u00eencheie clasamentul cu un procent extrem de mic, doar 11%.<\/p>\n\n\n\n<p>Aceast\u0103 lips\u0103 de protec\u021bie are consecin\u021be directe asupra stabilit\u0103\u021bii financiare a proprietarilor. De exemplu, \u00een prima jum\u0103tate a anului trecut, cea mai mare desp\u0103gubire pl\u0103tit\u0103 pentru o avarie accidental\u0103 la instala\u021biile interioare a fost de 142.000 de lei, iar \u00een total, desp\u0103gubirile acordate pentru acest tip de daune au \u00eensumat 25 de milioane de lei. Aceste cifre subliniaz\u0103 c\u00e2t de costisitoare pot deveni evenimentele neprev\u0103zute pentru cei care nu dispun de o poli\u021b\u0103 de asigurare.<\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>Tipuri de asigur\u0103ri: ce op\u021biuni au proprietarii?<\/strong><\/p>\n\n\n\n<p>\u00cen Rom\u00e2nia, proprietarii au posibilitatea de a-\u0219i proteja locuin\u021bele prin dou\u0103 tipuri principale de asigur\u0103ri: cea obligatorie \u0219i cea facultativ\u0103.<\/p>\n\n\n\n<p><strong>Asigurarea obligatorie a locuin\u021bei (PAD)<\/strong> ofer\u0103 protec\u021bie \u00eempotriva dezastrelor naturale precum cutremure, inunda\u021bii \u0219i alunec\u0103ri de teren. Aceasta este impus\u0103 prin lege pentru toate locuin\u021bele din Rom\u00e2nia \u0219i ofer\u0103 o acoperire limitat\u0103, menit\u0103 s\u0103 sprijine proprietarii \u00een fa\u021ba celor mai mari riscuri naturale. Costul poli\u021bei variaz\u0103 \u00een func\u021bie de tipul construc\u021biei:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pentru locuin\u021bele de tip A (cu structur\u0103 de beton, metal sau lemn), prima anual\u0103 este de 130 lei, oferind o sum\u0103 asigurat\u0103 de 100.000 lei.<\/li>\n\n\n\n<li>Pentru locuin\u021bele de tip B (construc\u021bii din materiale netratate termic sau chimic), prima anual\u0103 este de 50 lei, iar suma asigurat\u0103 este de 50.000 lei.<\/li>\n<\/ul>\n\n\n\n<p>\u00cen completare,<strong> <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/asigurarea-locuintei-o-nevoie-dar-si-un-avantaj-pentru-proprietar-ce-daune-poate-sa-acopere_db\/\" target=\"_blank\" rel=\"noreferrer noopener\">asigurarea facultativ\u0103 <\/a><\/strong>asigur\u0103 o protec\u021bie extins\u0103, acoperind o gam\u0103 mai larg\u0103 de riscuri, inclusiv incendii, explozii, furturi sau avarii accidentale ale instala\u021biilor interioare.<\/p>\n\n\n\n<p>Avantajul acestui tip de poli\u021b\u0103 este flexibilitatea, deoarece proprietarii pot adapta acoperirea \u00een func\u021bie de nevoile lor specifice. De exemplu, pot fi incluse clauze pentru protejarea bunurilor de valoare, pentru r\u0103spunderea civil\u0103 fa\u021b\u0103 de ter\u021bi sau pentru daune cauzate de fenomene neprev\u0103zute.<\/p>\n\n\n\n<p>Pre\u021bul unei asigur\u0103ri facultative variaz\u0103 \u00een func\u021bie de valoarea locuin\u021bei \u0219i de acoperirea aleas\u0103. De exemplu, pentru un apartament evaluat la 80.000 de euro \u00een Bucure\u0219ti, prima anual\u0103 poate fi cuprins\u0103 \u00eentre 343 lei pentru o acoperire de baz\u0103 \u0219i 780 lei pentru o protec\u021bie extins\u0103, potrivit ofertelor mai multor companii de asigur\u0103ri.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cele mai multe locuin\u021be din Rom\u00e2nia sunt vulnerabile \u00een orice moment \u00een fa\u021ba riscurilor pentru c\u0103 doar 17% dintre proprietari au \u00eencheiat o poli\u021b\u0103 facultativ\u0103 care s\u0103 le ofere o protec\u021bie extins\u0103 \u00eempotriva incendiilor, furtunilor sau avariilor accidentale, potrivit celor mai recente date ale Uniunii Na\u021bionale a Societ\u0103\u021bilor de Asigurare \u0219i Reasigurare din Rom\u00e2nia. Distribu\u021bia [&hellip;]<\/p>\n","protected":false},"author":821,"featured_media":71638,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[259],"tags":[1420,451],"content_author":[],"class_list":["post-71637","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-stiri","tag-asigurare-locuinta","tag-proprietar"],"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>3 din 10 case din Rom\u00e2nia, preg\u0103tite pentru un dezastru. 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