Real estate insurance in Sberbank. Apartment insurance through Sberbank: reviews and features Is it possible to insure an apartment in Sberbank

09.05.2022 Alternative treatment

A comprehensive insurance solution designed to protect the integrity of your apartment or house. All programs include both protection in case of many risks and troubles, as well as insurance of your liability to your neighbors.

What is insured?

Finishing and engineering equipment. interior decoration and engineering equipment include:

door and window blocks (including glazing);
floors (excluding floors);
light internal partitions (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;
wiring 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 urban telephone communication;
clothing and footwear;
sports and tourist equipment;
bedding;
interior items;
personal items;
baby carriages and toys.

Civil responsibility. Civil liability to neighbors in the event of a flood or damage.

What is insured against?

Fire

Impact on the insured property of fire, smoke, combustion products, combustible gases, high temperature and fire extinguishing agents used to prevent further spread and extinguish fire (water, foam, etc.). gulf

Impact on the insured property of water, steam. As well as other liquids that conduct heat (oil, refrigerants, etc.), or fire extinguishing agents. Illegal actions of third parties

Theft with illegal entry into the premises, robbery, robbery, deliberate destruction or damage to property by third parties, hooliganism, vandalism. Explosion

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 application of measures to stop or prevent the impact of the explosion.

Civil responsibility

Obligation to reimburse expenses in case of harm to life, health. and / or property of individuals or legal entities as a result of careless use of the insured premises. Mechanical impact

Causing damage to the insured property as a result of major repairs or reorganization (re-planning, re-equipment) of neighboring premises. Natural disasters

Destruction or damage to the insured property as a result of a flood, high water, high water, storm, whirlwind, hurricane, tornado, typhoon, hail, mudflow, avalanche, landslide, rockfall, earthquake, volcanic eruption, snow pressure, frost, heavy rain, tsunami. Lightning strike

Thermal, mechanical or electrical (atmospheric overvoltage) impact on the insured property. The fall of aircraft and their parts

Damage to the insured property as a result of the fall of the hull or parts of the hull of the aircraft, 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, appreciate the peace and security of their loved ones.
Make a responsible decision to protect your home or apartment and take out a policy by choosing the insurance option that is convenient for you.

Term of insurance

The effective date is the 15th calendar day from the date of payment.

The policy is valid for 12 months

Frequently asked Questions*

In what territory is the property insured? The insurance territory is indicated in the policy - this is the address of the real estate (apartment or house) that is insured.
What is a payout limit? Is there such a limit in my policy? This is a limit set on the total number of insurance payments, or the amount of insurance payment for one event, made under the Insurance Policy. As part of the Home Protection Online product, a limit is set as a percentage of the sum insured for damage to the finish.

There is also a limit of 25,000 rubles for 1 unit of damaged or lost property. Can I pay for the policy in installments? Installment payment of the insurance premium is not provided.

Does my policy have a deductible? The product does not include a franchise.
What property can be insured? Finishing an apartment, 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, spyglasses and magnifiers), carpet and other weaving products, dishes, a book library (not antique), clothes, shoes, bags, etc.

Can I insure jewelry? The program does not provide protection for jewelry.

What is third party misconduct? This is theft with illegal entry into a house / apartment, robbery, robbery, deliberate destruction or damage to property, hooliganism, vandalism, entry into a house or apartment through burglary.

I am a sole trader, can I insure my property? The product is designed to insure the property of individuals only (property not used in business activities). If you buy our product, then your apartment or your house will be insured.
Can property be insured for less than a year? The policy is only valid for 12 months.
My place of registration has changed, is it 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 contract are transferred to the new owner. Accordingly, the payment of insurance compensation will be received by the new owner.
What is civil liability? This is a liability associated with the obligation to compensate for harm to life and health, as well as property of third parties, caused during the possession, use and disposal of an apartment or house.
Is non-pecuniary damage compensated? Losses incurred as a result of the presentation by the victims of the claim for compensation for moral damage are not compensated.
The policy never came to my mail, what could be the problem? It is necessary to check the "spam" folder in your mail, because. Perhaps your box is configured in such a way that some messages immediately fall into the spam folder. If there is no letter in the "spam" folder, then please let us know about the problem via , we will contact you and resolve the problem. ⁠
Is Home Protection eligible for mortgage insurance? No, it doesn't fit.

Do you have any questions?

Contact us at the 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 phone number 8 800 555 555 7. Contact Center specialists will help you resolve your issue

What else needs to be done:

to get acquainted with the procedure for the occurrence of an insured event (download the memo),

photograph all damage in accordance with the recommendations outlined in,

fill out an application for an insured event

get acquainted with the list of documents for applying for 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 convenient way for you:

through ,
through any branch of PJSC Sberbank,
by letter to the address Russia, 115093, Moscow, st. Pavlovskaya, d. 7.

Also, if it is necessary to inspect the damaged property by the experts of the insurance company, you can transfer all the necessary documents through the expert organization on the day of the inspection of the damaged property. An expert is called by an employee of the insurance company after registering the appeal in the Contact Center.

3. We will help you solve your issue:

If Sberbank Insurance recognizes the event as an insured event, the payment of insurance compensation is made within 15 (fifteen) business days after receipt of all necessary documents in accordance with the Insurance Terms and Conditions confirming the occurrence of the insured event and the amount of damage caused.

Attention! Please, before concluding an insurance contract, read in detail the terms and conditions of insurance on which a specific insurance contract is concluded.

What is insured?

Finishing and engineering equipment. interior decoration and engineering equipment include:

door and window blocks (including glazing);
floors (excluding floors);
light internal partitions (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;
wiring 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 urban telephone communication;
clothing and footwear;
sports and tourist equipment;
bedding;
interior items;
personal items;
baby carriages and toys.

Civil responsibility. Civil liability to neighbors in the event of a flood or damage.

What is insured against?

Fire

Impact on the insured property of water, steam. As well as other liquids that conduct heat (oil, refrigerants, etc.), or fire extinguishing agents. Illegal actions of third parties

Theft with illegal entry into the premises, robbery, robbery, deliberate destruction or damage to property by third parties, hooliganism, vandalism. Explosion

Civil responsibility

Obligation to reimburse expenses in case of harm to life, health. and / or property of individuals or legal entities as a result of careless use of the insured premises. Mechanical impact

Causing damage to the insured property as a result of major repairs or reorganization (re-planning, re-equipment) of neighboring premises. Natural disasters

Thermal, mechanical or electrical (atmospheric overvoltage) impact on the insured property. The fall of aircraft and their parts

Damage to the insured property as a result of the fall of the hull or parts of the hull of the aircraft, 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?

Term of insurance

The effective date is the 15th calendar day from the date of payment.

The policy is valid for 12 months

Frequently asked Questions*

Can I insure jewelry? The program does not provide protection for jewelry.

Do you have any questions?

Contact us at the 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 phone number 8 800 555 555 7. Contact Center specialists will help you resolve your issue

What else needs to be done:

to get acquainted with the procedure for the occurrence of an insured event (download the memo),

photograph all damage in accordance with the recommendations outlined in,

fill out an application for an insured event

get acquainted with the list of documents for applying for 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 convenient way for you:

through ,
through any branch of PJSC Sberbank,
by letter to the address Russia, 115093, Moscow, st. Pavlovskaya, d. 7.

3. We will help you solve your issue:

Attention! Please, before concluding an insurance contract, read in detail the terms and conditions of insurance on which a specific insurance contract is concluded.

Insurance is relevant at all times, because there is always the possibility of damage to someone else's property.

Having taken out insurance, you can be calm, because in the event of trouble, the insurance company will compensate for the damage.

When choosing an organization, pay attention to its reputation, term of work and solvency. Sberbank is a large bank that deals with home insurance. Clients are offered several insurances, it is worth noting the following:

"Protection of the house";
"No worries";
"Quick insurance policy" for 999 rubles;
property insurance that was bought with a mortgage.

What do customers get with the first offer? "Home Protection" allows you to protect real estate (apartment or house) from the most common risks. The program is complex. Insurance, if the amount does not exceed 100 thousand rubles, is paid without references.

The program is presented in three forms, it all depends on the amount. This is civil liability, such a policy costs 7,500 rubles, damage to movable property - 5,500 rubles; repair - 2500 rubles.

The more expensive the policy you purchase, the more compensation will be available to you. The agreement that you conclude with the bank will be valid for 1 year.

You can draw up a contract by choosing a convenient way. This can be done on the bank's website, or when visiting one of the branches.

By choosing Sberbank's No Worries program, you make the most of your funds.

This is a comprehensive offer, all risks are collected in one policy.

This is not only insurance to protect a house or apartment, civil liability is included in the policy.

In addition, you will protect your bank cards and personal expenses. Also, the insurance will cover medical expenses, if such appeared while traveling in Russia.

When compared with the cost of apartment insurance in Sberbank separately for each option, the “No worries” policy is much more profitable. You can choose the insurance program that best suits your needs. A policy can be issued in a few minutes - at a bank branch or on the website.

The objects of insurance can be real estate, funds on debit or credit cards of Sberbank, personal items, such as a passport and other documents, gadgets.

Separately, it is worth mentioning the protection of real estate acquired under a mortgage agreement. The bank offers a loan with affordable rates for citizens.

If other insurance policies are purchased on a voluntary basis, then in the case of a mortgage loan, object insurance will be mandatory. In this case, housing will be considered as collateral.

When applying for a mortgage, apartment insurance in Sberbank is purchased for the entire time the contract is in effect. Buck does this to ensure that the property is worth the money borrowed.

If the property is damaged, the object will lose value. The insurance program will turn on if the client does not repay the loan, and the property is not worth the money that was previously invested.

What do you need to insure an apartment in Sberbank?

The client must provide the bank with the following package of papers:

the passport;
real estate documents;
statement.

After the application is completed, the bank employee will prepare the policy and the Agreement for signing. The bank keeps copies of these documents.

Requirements and rules of registration

You can buy a policy online at a bank branch. The client must provide copies of documents certified by a notary.

When buying an online policy, together with a copy of the Agreement, it will be sent to the branch at the place of residence of the client.

In addition, he can order a policy by calling the bank's contact center. It is also easy to apply for insurance in a mobile bank by sending SMS.

How to carry out the procedure?

So, how to insure an apartment in Sberbank:

Select a bank branch. Tell the specialist that you want to insure the property. Provide documents.
Specify the object you wish to insure.
Define the risks. Specify the term of insurance and the amount.
Pay for insurance. Get a policy and a memo from a bank specialist.

If you decide to buy a policy on the site, the steps are as follows:

Open the bank's website and find the "Insure yourself and property" tab.
Check the box "Choose a policy".
Select the appropriate option and click "Learn More".
Specify the place of issue of the policy. This can be a bank branch, or take out insurance for an apartment in Sberbank online.
Specify the object, identify the risks. Select the amount of insurance coverage.
Check out the cost of apartment insurance for Sberbank and click "Apply".

Policy for 999 rubles

This policy is called "fast", its cost is 999 rubles. Apartment insurance from Sberbank is suitable even for rented housing, inventory and property valuation is not performed.

You can insure any apartment located on the territory of Russia.

You protect property from the most common risks. This is a breakthrough in sewerage, heating systems, a breakthrough in water supply. The policy includes protection against natural disasters and theft. The policy is valid for 1 year, for registration you need a passport and a document for an apartment.

How to act in case of an insured event?

If an insured event occurs during the insurance of an apartment in Sberbank, then the client must call the contact center.

If a theft or other illegal activity is detected, call the police.

This will relieve you of anxiety. Fill out an application stating that an insured event has occurred.

Documents must be sent to the bank. This can be done by mail by sending a registered letter.

A copy should be emailed.

Conclusion

Sberbank apartment insurance will help you save your money. At Sberbank you will find a wide range of policies, programs that protect your interests for a reasonable price.

Sberbank is a bank to which you can entrust not only your money, but also your property, in particular housing and almost everything that is in it. Insurance of an apartment in Sberbank is a wise decision, because no one can ever be sure that when leaving for work, his apartment will not be flooded by neighbors from above or the wiring will not close. 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 the very flooding by neighbors from 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 on communications (engineering equipment);
all movable property that is located within the apartment / house;
liability to third parties (neighbors) for damage to their property.

Under the object of interior decoration and communications should be understood:

the outer layer of wall, ceiling and floor finishing (materials that are applied or in a certain way attached 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, drywall, 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 (city);
personal belongings;
shoes and clothes;
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 damage to neighbors due to flooding of their property;
in case of damage 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 can be seen 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 are covered

Home contents insurance is provided to protect against the following risks:

from fire and flooding;
from leakage and explosion of gas;
from various natural disasters (flood, hurricane, etc.);
from theft and causing harm due to illegal actions of third parties;
from mechanical damage due to repair work or restructuring by third parties (owners of adjacent apartments and premises);
from damage caused by the fall of aircraft 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 responsibility 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 amount of which determines the cost of the insurance policy. The insurance coverage is divided into three parts, the largest of which is the maximum amount of insurance coverage for damage 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 version of the insurance policy is available only when applying for Home Protection insurance through the Sberbank Online system.

**The annual cost of the policy when issued at a branch of Sberbank.

Attention! The cost of Home Protection insurance issued online is slightly cheaper than a policy issued directly at a bank branch through an operator.

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 obtain a policy in 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, familiarize yourself with the options for insurance policies and their cost.
Proceed to the checkout page by clicking on the corresponding "Checkout Online" button.

Choose the right offer.
Decide on the amount of insurance coverage, taking into account possible risks.
If there is, 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 data of a citizen of the Russian Federation, registration address, as well as the address of the property that is insured if it does not match 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.

After confirming the purchase of insurance, a letter with the policy will be sent to your e-mail. After that, you will need to pay for it with your bank card. Online insurance and an electronic policy have the same legal force as insurance at a Sberbank branch and a policy printed on a special form. Insurance comes into force in both cases only on the 15th day from the moment of its payment.

How to apply at a branch of Sberbank

If for some reason you cannot get insurance online, or do not trust this method, then you can always contact Sberbank to insure your property. To apply for a policy at a branch of Sberbank, you must: