{"id":80326,"date":"2026-08-05T10:14:11","date_gmt":"2026-08-05T07:14:11","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=80326"},"modified":"2026-08-05T10:14:14","modified_gmt":"2026-08-05T07:14:14","slug":"cat-costa-in-2026-o-polita-pad-ce-tip-de-locuinte-sunt-asigurate-pentru-130-de-lei-pe-an","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/cat-costa-in-2026-o-polita-pad-ce-tip-de-locuinte-sunt-asigurate-pentru-130-de-lei-pe-an_db\/","title":{"rendered":"C\u00e2t cost\u0103 \u00een 2026 o poli\u021b\u0103 PAD? Ce tip de locuin\u021be sunt asigurate pentru 130 de lei pe an"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"600\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/08\/costuri-asigurare-pad-locuinta.jpg\" alt=\"interior locuinta in timpul unui cutremur\" class=\"wp-image-80327\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/08\/costuri-asigurare-pad-locuinta.jpg 1200w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/08\/costuri-asigurare-pad-locuinta-770x385.jpg 770w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2026\/08\/costuri-asigurare-pad-locuinta-390x195.jpg 390w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>To\u021bi proprietarii de locuin\u021be din Rom\u00e2nia sunt obliga\u021bi s\u0103 \u00eencheie o poli\u021b\u0103 de asigurare \u00eempotriva dezastrelor naturale, cunoscut\u0103 sub denumirea de PAD. \u00cen 2026, pre\u021bul unei astfel de asigur\u0103ri este de 130 de lei sau 50 de lei pe an, \u00een func\u021bie de materialele din care este construit\u0103 locuin\u021ba.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Poli\u021ba PAD acoper\u0103<strong> trei riscuri majore: cutremurele, inunda\u021biile produse din cauze naturale \u0219i alunec\u0103rile de teren<\/strong>. Tarifele sunt stabilite prin lege \u0219i nu sunt calculate \u00een func\u021bie de valoarea de pia\u021b\u0103 a locuin\u021bei.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pentru o <strong>locuin\u021b\u0103 de tip A<\/strong>, prima anual\u0103 este de <strong>130 de lei<\/strong>, iar suma maxim\u0103 care poate fi acordat\u0103 \u00een cazul unei daune este de <strong>100.000 de lei<\/strong>. \u00cen categoria A intr\u0103 locuin\u021bele care au structura de rezisten\u021b\u0103 din beton armat, metal sau lemn, precum \u0219i cele cu pere\u021bi exteriori din piatr\u0103, c\u0103r\u0103mid\u0103 ars\u0103, lemn ori alte materiale care au fost supuse unui tratament termic sau chimic. \u00cen aceast\u0103 categorie sunt incluse majoritatea apartamentelor \u0219i caselor construite din materiale moderne.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Poli\u021ba PAD cost\u0103 <strong>50 de lei<\/strong> pe an \u00een cazul <strong>locuin\u021belor de tip B<\/strong>. Suma maxim\u0103 asigurat\u0103 este, \u00een aceast\u0103 situa\u021bie, de <strong>50.000 de lei<\/strong>. Locuin\u021bele de tip B sunt cele care au pere\u021bii exteriori construi\u021bi din c\u0103r\u0103mid\u0103 nears\u0103 sau din alte materiale care nu au fost supuse unui tratament termic ori chimic. Un exemplu \u00eel reprezint\u0103 casele construite din chirpici.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Poli\u021ba PAD poate fi cump\u0103rat\u0103 online, direct prin platforma<a class=\"article-body-links\"href=\"https:\/\/www.padrom.ro\/\" target=\"_blank\" rel=\"noreferrer noopener\"> Pool-ului de Asigurare \u00cempotriva Dezastrelor Naturale<\/a>, dar \u0219i prin societ\u0103\u021bile de asigurare sau brokerii care distribuie acest produs. <strong><a class=\"article-body-links\"href=\"https:\/\/finance.imobiliare.ro\/blog\/tipuri-asigurari-persoane-fizice?_gl=1*4yjmfs*_up*MQ..*_gs*MQ..&amp;gclid=EAIaIQobChMI3sSn7_WIlgMV0U-RBR0UdSAYEAAYASAAEgIin_D_BwE&amp;gbraid=0AAAAAo15sqig8wTF2EwZEBIqaW2Dk6BMu#mcetoc_1jp4ki95o5q\" data-type=\"link\" data-id=\"https:\/\/finance.imobiliare.ro\/blog\/tipuri-asigurari-persoane-fizice?_gl=1*4yjmfs*_up*MQ..*_gs*MQ..&amp;gclid=EAIaIQobChMI3sSn7_WIlgMV0U-RBR0UdSAYEAAYASAAEgIin_D_BwE&amp;gbraid=0AAAAAo15sqig8wTF2EwZEBIqaW2Dk6BMu#mcetoc_1jp4ki95o5q\" target=\"_blank\" rel=\"noreferrer noopener\">G\u0103se\u0219ti aici multe detalii despre cele 7 tipuri de asigur\u0103ri care \u00ee\u021bi salveaz\u0103 zeci de mii de lei.<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nu sunt asigurate prin PAD bunurile aflate \u00een interior, precum mobilierul, aparatele electrocasnice sau obiectele personale. De asemenea, nu sunt acoperite anexele, dependin\u021bele \u0219i utilit\u0103\u021bile care nu sunt legate structural de cl\u0103dire. Pentru acestea, proprietarii ar trebui s\u0103 \u00eencheie \u0219i o poli\u021b\u0103 facultativ\u0103.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>To\u021bi proprietarii de locuin\u021be din Rom\u00e2nia sunt obliga\u021bi s\u0103 \u00eencheie o poli\u021b\u0103 de asigurare \u00eempotriva dezastrelor naturale (PAD).<\/p>\n","protected":false},"author":821,"featured_media":80327,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[259],"tags":[1466],"content_author":[],"class_list":["post-80326","post","type-post","status-publish","format-standard","has-post-thumbnail","category-stiri","tag-asigurari-2"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>C\u00e2t cost\u0103 \u00een 2026 o poli\u021b\u0103 PAD? Ce tip de locuin\u021be sunt asigurate pentru 130 de lei pe an - \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"To\u021bi proprietarii de locuin\u021be din Rom\u00e2nia sunt obliga\u021bi s\u0103 \u00eencheie o poli\u021b\u0103 de asigurare \u00eempotriva dezastrelor naturale (PAD).\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/cat-costa-in-2026-o-polita-pad-ce-tip-de-locuinte-sunt-asigurate-pentru-130-de-lei-pe-an_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"C\u00e2t cost\u0103 \u00een 2026 o poli\u021b\u0103 PAD? 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