How to insure life. Drawing up an insurance contract

Registration of an MTPL policy on your own via the Internet is not yet very popular among drivers. It seems to us that it is safer to come to the insurance company in person and conclude an agreement in person, having clarified all the existing questions regarding insurance services.

On the other hand, those who insure their car with the same organization year after year are not averse to renewing compulsory motor liability insurance via the Internet - no new questions arise, the algorithm of actions has long become a habit, but they do not always know how to do it correctly. An additional bonus can be saving time and even money - some insurers offer a discount if you contact them online. Read this article on how to properly insure your car online.

Saving time and money

The real opportunity to apply for compulsory motor liability insurance via the Internet appeared not so long ago. So, at first the policy could only be extended in this way (from 07/01/2015), and only later (from 10/01/2015) motorists began to issue it “from scratch”.

It is no secret that many insurers have recently been imposing additional services in the form of life or real estate insurance. We all know that forcing people to purchase additional services is far from the law, but you can’t drive without compulsory motor insurance either. That’s why motorists buy the entire package of services, paying exorbitant prices for it and thereby increasing the profits of insurance organizations. When issuing an electronic policy, this is excluded: the client selects only the type of insurance that he really needs.

In addition, drivers living in remote areas can no longer waste time traveling to large cities to sign insurance contracts. Also, insurers who do not want to provide services under compulsory motor liability insurance and justify the refusal by the lack of forms will not be able to do this on the Internet: electronic forms are always available. Legal entities are allowed to issue policies via the World Wide Web from 07/01/2016.

How to choose an insurer to obtain an MTPL policy online

If you have been concluding contracts with the same insurer for many years, there is probably no point in changing it. But what if your company has not yet established a process for drawing up contracts electronically? Experts still believe that it is better to wait for progress to spread to other insurers and for now to issue a regular paper OSAGO form, because too often, due to the imperfections of the insurance system in Russia, problems arise related to the non-use of CBM.

Currently, you can insure a car via the Internet and obtain an electronic MTPL policy from about twenty companies:

• MSC Moscow Insurance Company (http://sgmsk.ru/);
• Paritet-SK (http://www.paritet-sk.ru/);
• Rosgosstrakh (http://www.rgs.ru/);
• Energogarant (https://www.energogarant.ru/);
• Consent (https://www.soglasie.ru/);
• VSK Military Insurance Company (http://www.vsk.ru/);
• Alfastrakhovanie (http://www.alfastrah.ru/);
• Reso-guarantee (http://www.reso.ru/) and some others.

From January 1, 2017, all insurance companies are required to provide citizens with the opportunity to obtain an MTPL policy online.

When choosing an organization, you should read customer reviews, as well as the information provided on the company’s official website, and pay attention to:

• size of the authorized capital (the larger the better);
• period of work (longer than eight years is preferred);
• rating among insurance companies - such information can be found on the Internet, as well as on the RSA website.

To select an insurance company in your region and compare prices, it is convenient to use integrator sites.

Insurance registration procedure

The procedure for applying for compulsory motor liability insurance is quite simple. Having chosen the company whose services you intend to use, you need to go to its website, after which:

• register by providing your personal data (including passport series and number), as well as telephone number and residential address;
• Log in to your personal account using your login and unique code (password), which will be received as an SMS message or email. The password can also be obtained from the company office. In addition, if you use the government services portal, then the same password and login can be used to log into the personal account of any insurance organization;
• in your personal account you need to fill out an application for renewal or issuance of a new policy. It must contain the same information as when receiving the policy “the old fashioned way”, and an electronic signature is used. If you do not have such a signature, you can enter the password given to you - you can also use it to verify your data;
• If everything is done correctly and you have passed the check in the Automated Information System (AIS), then a message from the insurer will appear in your personal account, in which you will see the calculation of the contract price and the payment method. The cost of the service can be paid with bank cards from almost all Russian banks; in large insurance companies you can use funds from electronic wallets of popular payment systems;
• After payment, the electronic MTPL policy will appear in your personal account and will be additionally sent to your mailbox. We recommend that you print out the policy and have it with you while driving - not all regions have an ideal unified database where you can check the availability of insurance by state number. In such large companies as Rossgostrakh, after purchasing insurance on the Internet, a paper policy is delivered to the client’s home free of charge. Along with the document, information about contacts, an algorithm on the procedure for action in the event of an insured event, etc. are sent to the car owner by mail. They can also be printed for use.

According to paragraphs 4 and 7.2 of Article 15 of the law on compulsory motor liability insurance, a printed electronic policy completely replaces the original paper policy on Gosznak letterhead.

Simplified design option

Recently, large insurers, realizing that it is difficult for a citizen to independently issue an electronic policy, send out an SMS with an offer to renew on the website a few days before the expiration of the contract. The message looks something like this:

Dear Ivan Ivanovich! Your MTPL policy series YAYA number 0101010101 ends on 12/01/2019. You can renew it online: we have prepared an electronic MTPL policy for you. To confirm your data and pay directly on the website, follow the link www.RGS./ru/eOSAGO, then follow the instructions. Your pin code is 010101.

If you received such an SMS (in the example, the Rossgosstrakh link is used), then the procedure for applying for insurance on the Internet is significantly simplified for you. Your actions are:

1. Follow the link provided, you will be asked to indicate your phone number and PIN code from SMS - this is how the system will find the document prepared for you.
2. You will be offered a personal account password, which will be sent by email. Change this temporary password and use the new one to log into your account on the insurance company’s website.
3. In your personal account, you will be asked to review the prepared policy with the data already entered. You need to get the previous one and check the details of the car, the main and additional drivers, the validity period, etc. If everything matches, check the box to indicate agreement.
4. After this, you will be prompted to go to the payment page, where you go through the procedure of a regular online purchase.
5. After payment, you will receive a policy and all related documents that need to be printed by email.

Let us remind you once again that only large insurers operate in this mode. By using this simplified procedure for electronically drawing up an MTPL policy, you will save as much money and time as possible, and also avoid technical problems and possible errors in the text that you could have made if you filled it out yourself.

If something went wrong

The most common failures in issuing an electronic MTPL policy may be:

Lack of confirmation of driver data in the unified AIS system

Without this, the user will not be able to fill out the application and receive the service. It is difficult to say why such a problem exists and how to fix it - perhaps your data was not entered on time or a failure occurred in the insurer's program;

Examination

Considering that there is no need to submit any documents to the office, the insurer’s employees check all the data provided by the driver against the database. So, when applying for compulsory motor liability insurance on the Internet, they will definitely check the availability of information about technical inspection, accidents involving the client’s car, its length of service, as well as all data about the vehicle (year of manufacture, date of issue of documents, driver’s license, etc.). In some cases (it must be admitted that they have become fewer in number lately), the check stops at some stage - for example, information about passing a mandatory technical inspection has not been received, without which no one will issue a policy. For a conscientious car owner, it becomes incomprehensible why a timely inspection is not displayed in the program and, thus, becomes an obstacle to obtaining electronic compulsory motor liability insurance. The reason for this circumstance may be the erroneous entry of data during a technical inspection or a malfunction in the system;

Technical errors

When filling out, you need to be extremely careful, since all errors that were made in the application will become the basis for refusal to issue a policy, both on paper and electronic. The AIS system will show that the car owner with the data specified in the application does not exist, so it will not be possible to draw up an agreement. You need to notify the insurance company about such confusion and insist on entering data about your experience, previous insurance contracts and driver's license series/number;

Not by proxy

Today, only the owner of the car can issue a policy online; it is not yet possible to do this by power of attorney. There are also problems with registering a new car - while it is not registered with the State Traffic Safety Inspectorate, there is no data about it in the AIS database - therefore, transport can only be insured by visiting the office in person;

Intermediaries

When it became possible to use online services, many intermediaries appeared on the Internet offering services for filling out the form. We do not recommend turning to them for help - after all, you will need to pay for the services on your behalf, and no one will give you a guarantee of the absence of fraudulent intentions in this case. Attackers can easily obtain unique information about a bank card. In addition, there is a risk of subsequent use of your personal data for dubious purposes;

Regional problems

According to the current rules, it is impossible to order an electronic policy from a company that does not have a representative office in the region where the car owner lives. The availability of the service in a particular organization will be displayed when filling out the form;

Problems on insurers' websites

Users still encounter technical problems on insurers' websites: from a very long check of entered data in the PCA to a complete stop of the site. At the same time, the ability to provide services is improving, so you should not give up the opportunity to keep up with the times and process documents remotely.

A car is a part of life today. Safe driving and proper documentation for it are a condition for the driver’s comfort and peace of mind. Car insurance is today a guarantee of a safe existence. And for motorists, such insurance has recently become mandatory. One type of auto insurance is compulsory motor liability insurance.

What is OSAGO in simple terms?

OSAGO is a document that the car owner draws up from the insurance company. It confirms that an agreement has been concluded between the owner of the car and the insurance company, according to which the company is guaranteed to compensate for the damage that the owner of the car caused to the victim in an accident. But payments are made if the car owner who signed the agreement is found to be at fault for the accident.

Important! Every driver must have a policy. It is prohibited to drive a car in the Russian Federation without an MTPL insurance policy. This is contrary to the law “On Compulsory Motor Liability Insurance”.

The insurer determines the insurance cases for which payments are made. The number of these cases under the MTPL policy is not limited.

This policy is needed not only for driving a car and peace of mind about the legality of driving. Insurance is designed to protect the victim and the one who caused the harm.

• the injured party, if such a policy is available, receives compensation for the restoration of a car that was damaged in an accident;
• The insurer is obligated to compensate the injured party on behalf of the culprit of the accident.

Therefore, whether you are the victim or the culprit of the accident, OSAGO protects you and guarantees payments to reimburse your expenses.

Documents for registration of compulsory motor liability insurance

When buying a car, you should immediately think about purchasing an insurance policy. It is renewed upon expiration, so the seller indicates how long the insurance is still valid. It is much better to buy a car with recent insurance. This will save you from spending additional money on issuing a policy. If the owner did not have such documents or you bought the car from a dealership - you are the first one to use it, then it is worth knowing what documents are needed to issue a policy. Having such information, you do not need to waste time on consultation, and then separately collecting the required package of documents.

• 1.passport of the person who enters into an agreement with the insurance company. This can be either the owner of the car, or the person who has been given a power of attorney to drive the car;
• 2. vehicle technical inspection certificate. Remember that the coupon must expire no earlier than after 6 months;
• 3. driver’s license who will drive the car. A common option is when management is allowed to several people, then you need to submit copies of the certificates of each of them for the policy so that the numbers are entered in the document;
• 4.confirmation of vehicle registration;
• 5.technical passport of the car.

It sometimes happens that the owner of a car applies for compulsory motor liability insurance in different companies. In this case, you must also attach a certificate “Insurance Information” to the package of documents. It is issued by the company where the previous policy was issued and with which the current insurance contract was concluded. Such a certificate will allow you to maintain a discount for issuing a new policy if the contract is not for several drivers.

The package of documents may change at some points. This depends on the company where the policy is issued, so it is better to clarify what documents to provide immediately before going to the company to conclude an insurance contract.

How much does a compulsory motor liability insurance policy cost?

The cost of an MTPL insurance policy depends on several factors:

• car registration place;
• vehicle categories;
• engine power;
• operating time of this car;
• the number of drivers assigned to the vehicle to drive it;
• driver experience and age.

Where and how to get insurance

You can get an MTPL policy today from insurance companies. This can be done online or in a real company. But, if you have just received your license, you are prohibited from applying for a policy online; contact the insurer’s office directly. When choosing a particular company to issue a policy online, you should give preference to those who have already become a reliable and professional company.

The leaders in online auto insurance are:

• ROSGOSSTRAKH;
• RESO-GUARANTEE;
• INGOSSTRAKH;
• LIBERTY;
• ERGO-RUS;
• HOSKA;
• MAX;

The choice of company depends only on the preferences of the car owner; no one limits the registration of compulsory motor liability insurance in one company or another.

How to apply for an MTPL policy online

Online insurance has recently become available. In this case, the cost of the policy is no different from that received in a real office, but you order it at a convenient time, sitting at home, and then receive it directly to your apartment door.

To insure your car online you need:

1. choose the company where you will register the car;
2. Fill out an online application, which includes:

• personal data of the person who issues the policy;
• place of registration of the owner;
• the date from which you should issue a car insurance policy;
• type, make and model of the car, engine power;
• driver experience;
• ID number.

If the policy includes two or more drivers, then indicate this in the application. Online registration is also convenient because if you fill out the application correctly, the online calculator immediately calculates the cost of insurance.

You can receive the policy after an online application either at the office of the insurer, if there is one in your city, or order delivery to your home. To receive it, you present your passport, vehicle registration certificate and driver’s license.

Since July 2015, it is also possible to receive an electronic policy. Only traffic police officers, the insurer and the car owner have access to it.

If you have a paper OSAGO policy and you receive an electronic version, then the paper one does not lose its validity - you now use two policies.

• registration of the owner on the site and maintaining personal data;
• calculating the cost of the policy using a calculator;
• checking the entered data with the data in the RSA database;
• payment for the policy, payment with electronic currency or transfer from a card is possible;
• receiving a paper or electronic version of the policy.

How to apply for electronic MTPL (video)

Find out some features of distance insurance

Bottom line

An agreement is concluded with OSAGO for a year, but the owner can regulate the period of use of this car himself, the main thing is that it does not exceed 12 months and is not less than 3. Car insurance legislation is changing. According to the 2009 amendment, the injured party receives compensation from the organization where compulsory motor liability insurance was issued for the car.

Resolving the situation regarding the payment of compensation no longer necessarily requires the presence of representatives of the traffic police. By mutual agreement, they sort it out on their own, but then the amount of payments does not exceed 25 thousand rubles.

How insure yourself?

In order to insure yourself As an individual, you need to decide which insurance company to contact. There are currently a large number of companies operating in the voluntary health insurance market, but not all agree to work with individuals.

Choosing an insurance company

All insurance companies offer almost the same range of services, and the main factor influencing your choice will be the cost of insurance and the ability to attach to an institution that is close to home. An insurance company can develop, in addition to policies that include a standard set of services, special types of policies that take into account the individual needs of the insured for medical services.

Please pay attention to the following points:

Firstly, it is desirable that the range of services provided by the insurance company be as wide as possible, that is, that the company does not have any dominant source of insurance premiums.

Secondly, if you don’t trust anyone, buy a policy not for one year, but, say, for a quarter with the possibility of renewal three more times per quarter. In this case, if the insurer is unable to compensate for your expenses, you will not lose a lot of money and will be able to insure yourself in another company.

After you have decided on the choice of an insurance company, you will definitely need to personally come to the company and communicate with the specialists of the Health Insurance Administration of this company. Ask them for a price list, a standard contract, and clarify which diseases will not be covered by insurance.

The contract is usually accompanied by a list of diseases and insured events, the payment of which is not covered by the insurer. Here you need to be careful so that, for example, it does not turn out that receiving some kind of certificate or visiting a doctor is not “dropped out” of the contract. This is especially important if you do not have a compulsory health insurance policy, or if you know in advance what you may need from the clinic. On the other hand, if you have such “special” circumstances, the insurer has the right to increase the cost of insurance for you personally - most insurance companies have developed a system of decreasing and increasing coefficients that take into account the individual characteristics of the insured person.

Choosing a medical institution.

After meeting with the insurer, you will probably have an impression of whether the insurer is “good” or “bad”. But don’t trust emotions, trust only documents. Start by calling and asking for a price list. If the insurer claims that he does not have a price list, and that everything is terribly individual, then you should not immediately think that they want to cheat you and take more money from you. Of course, we must assume that all information about services is public, but it is clear that not a single insurer will give you complete and comprehensive information about absolutely all medical institutions - since such information may be of commercial interest to competitors.

Therefore, it is advisable to orient the insurer and briefly explain to him:

What services do you want to receive under insurance?

What amount would you like to meet (at least approximately).

Which clinics are you interested in (city area or specific clinics that you already know about).

If you are strongly recommended to come and are told that they do not send out price lists by fax or e-mail, it means that your time and your convenience mean very little to this insurer, or you simply ended up with the “wrong” person. It's okay, there are many insurance companies, call another one.

After studying the price list, you can make an appointment. Make a list of questions that you want to ask the insurer, during the meeting ask for a standard contract template, and study it carefully. If you are satisfied with the terms of the contract, sign the contract, pay the fee and get treatment! Health is more valuable!

Hello, dear readers of the site magazine. Today we will talk about home insurance, namely: why do you need insurance for an apartment or house, what does insurance for suburban residential real estate protect against, and so on.

This topic is not new, but it is becoming increasingly relevant nowadays. The high economic value of property makes real estate a sought-after insurance item.

In this publication you will learn:

• Why do you need home insurance?
• What makes up the cost of insuring an apartment, house (dacha) - the main factors that influence the price of insurance;
• What methods, conditions, types of real estate insurance exist.

We will also pay attention to the misconceptions that are associated with insurance and answer frequently asked questions.

This article will be of interest to a wide range of readers who own real estate or are planning to purchase it. Therefore, you should not hesitate to read it in order to calculate possible risks and draw timely conclusions.

Why do you need home insurance, how to insure an apartment against fire and flooding of neighbors, and how to profitably insure your home (apartment or house) - read in this issue

Protection of real estate is the main criterion for its proper use. You can protect your property with high fences, strong doors and locks, installing security systems and bars on windows.

But it is impossible to foresee all natural disasters, the occurrence of which does not depend on the owners. It's about about fires , flooding , causing other damage to real estate . Insurance will help pay for loss and damage to property.

Home insurance is a universal means of property protection for individuals and legal entities in the event of an insured event. Its economic nature is the formation of an insurance fund from contributions, which is intended for payments when the conditions specified in the contract occur.

In the Russian Federation, it is subject to compulsory insurance only health of citizens and vehicles. All other types are voluntary, but real estate needs no less protection, its value is higher than that of vehicles, and the damage caused can cause big problems .

This is especially true for real estate that is visited by owners irregularly - dachas, country houses. The risk of damage to a private home is higher than that of an apartment.

The practice of Western countries suggests that the insurance system should work in all areas of life , including in the real estate market. Abroad, all owners and managers of real estate have insurance policies.

The USSR also had a compulsory insurance system residential buildings, dacha, outbuildings, it stopped working due to the collapse of the state. The unstable economic situation in the country and the decline in the living standards of workers have made the insurance system inaccessible to most owners.

Statistics show that in the overall market structure, the private property insurance segment accounts for less than 5%. This amount includes mandatory insurance when issuing a mortgage, otherwise the amount would be even lower.

Citizens often hope that “maybe”, they hope that nothing will happen to their property. Insurance premiums are not considered mandatory expenses from the budget, thereby exposing yourself and your family to the risk of being left without a “roof over your head.”

But modernity dictates new rules. Today's owners of expensive houses and apartments understand that the amount of insurance premiums is significantly lower than the amount of possible damage. This is only a monetary expression of losses, but how much worry and worry will a natural disaster take away from the property owner? Therefore, over the past years, the insurance market has had a steady upward trend.

For example:

The owner of a newly built private house, having arrived to check his property, saw how a strong wind overturned a large tree onto the roof of the house. The roof had to be rebuilt using our own savings, set aside for a long-awaited family vacation abroad. If we had an insurance policy, the situation would not be so critical.

Even if there is no free cash, you should be aware that possible investments in damaged property will be many times higher than insurance premiums. Insurance will help protect not only money, but also the health of the owner.

The main risks that the insurance system protects are:

• Loss of property due to fires, gas explosions, etc.
• Consequences of flooding of houses due to floods, apartments due to old communications.
• Heavy objects falling onto the roof (trees, poles).
• Interior decoration, utilities, plumbing.
• Robbery, burglary.
• Damage to load-bearing structures due to shrinkage of the house.
• Liability to neighbors for damage caused.
• Protection against damage to rental property.
• Natural disasters (strong wind, lightning, etc.).
• Illegal activities such as disorderly conduct and vandalism.

Owners of private households may face additional risks:

• If the house is located near the highway, it is possible for a vehicle to enter the house.
• Stove heating, sauna available.
• Damage to building facades.

2. Main types of home insurance - TOP 5 popular insurance items 📋

Insurance companies, in order to develop the service market, are developing a variety of kinds And conditions insurance. Objects can be both real and movable property of citizens.

Clients themselves choose the company and the required package of services, in accordance with individual requirements.

The main objects of real estate insurance (private households, apartments, etc.) include:

1) Structural elements

Structural elements (supporting structures) of real estate are the interconnected parts of a building and are the main part of the total cost of housing.

These include:

• Roof, walls, foundation.
• Partitions, lintels, construction sites.
• Hatches, landings, vestibules.

These structures have an assigned risk only in seismically hazardous zones; for other citizens, due to minimal risks, insurance rates are insignificant.

2) Interior decoration and engineering equipment

For interior decoration include window designs, door leaves, built-in furniture, flooring, wall decoration And ceiling.

As part of engineering equipment — gas pipeline, heating, water pipes, sewerage, Electricity of the net.

All of the objects listed above have an increased risk. They are the first to suffer during fires or floods. And probably everyone has encountered leaking pipes.

Such insurance is desirable after expensive repairs to avoid unpleasant situations in the future.

3) Household property

The concept of home contents combines all the furnishings inside the premises. These are furniture, jewelry, personal items, antiques, computers, etc. that are owned.

They are insured against theft, damage, flooding, fires, and mechanical damage.

4) Civil liability

Civil liability implies responsibility to neighbors for causing damage to them. In the event of a fire or pipe break, not only the property of the insured, but also the neighbors may be damaged.

The victim will have to restore, in addition to his own household, the property of his neighbors. This causes a lot of controversy and disagreement. You can protect yourself with civil liability insurance.

For example:

Before work, the automatic washing machine was turned on so that by the evening there would be clean laundry ready. A water leak occurred as a result of a broken hose. The neighbors below were flooded. In the evening, instead of clean laundry, you end up with a showdown with your neighbors, additional cash costs for restoring their repairs and repairing your own unit. If there is an insurance contract, the problem will be solved fast And painless.

Typically, civil liability is an additional object of insurance to the main contract, and the insured amount increases slightly.

5) Title insurance

Title insurance – this is protection against possible material losses of the purchaser of real estate if the property rights to it are lost.

This type is necessary when concluding an agreement to purchase ownership of expensive property. For example, when drawing up a mortgage agreement.

Insurance, as a rule, is also used when purchasing housing on the secondary market. We wrote about what you need to know when buying an apartment.

Lending institutions also insist on title insurance to reduce possible risks in the event of “ unscrupulous » transactions when concluding a mortgage agreement.

In the case of a long chain of transactions with real estate (apartments, houses), if at least one of them is not legal, it entails the nullity of all transactions (subsequent sales contracts).

For example: The purchase of housing, which will subsequently be claimed by close relatives of the seller who have the right to a share and did not refuse it in the process of concluding a purchase and sale agreement.

If the seller was not authorized to enter into a contract for the sale of real estate, the interests of minors or incapacitated property owners may not be taken into account.

This type of protection guarantees the buyer a return on investment, when events occur leading to the invalidity of the insurance contract:

• Illegality of the purchase and sale agreement.
• When a transaction is completed by an unauthorized seller.

Today the most popular program is mortgage apartment insurance. Credit institutions have a mandatory requirement to insure real estate, which is pledged to the bank as collateral. This is long-term insurance, valid until full repaying the loan and removing encumbrances from housing.

We wrote in more detail about the terms of a mortgage in the article “,” where we described how to calculate a mortgage and which mortgage programs are the most popular.

A feature of mortgage insurance is a gradual reduction in the cost of the policy when the loan debt is repaid. The home is insured for the balance of the debt. On average the tariff is 0,15% from the insured amount. If the cost of the apartment 3 million rubles, the maximum insurance along with the title will cost 15 thousand rubles. in year .

3. The cost of home (cottage) insurance - 5 factors that affect the price of country house insurance 💰

Life consists of accidents; it is impossible to protect yourself from all troubles. You can only try to reduce the risk of their occurrence.

Private households are now objects in which considerable financial resources are invested. Their loss can lead to severe material and moral consequences. Having insurance will protect owners from a nervous breakdown and will allow them to adequately accept the situation.

The price of home insurance depends on many factors: choice of insurance company and type of protection, size of the house and land, cost of home ownership, etc.

Let's consider the main circumstances that determine the cost of real estate insurance in more detail.

1) Volume of insured risks

You can insure your home against the following risks:

• Fire.
• Flooding.
• Gas explosion.
• Falling objects (pillars, trees).
• Natural disasters (wind, lightning, flood, etc.)
• Damage.
• Illegal actions (breaking in, theft, damage to property).

In addition to the main ones, there are additional risks that are determined for a specific home. They depend on its location and the fears of the owners.

For example, You are afraid of suddenly running out of the house and being left on the street without keys near a closed door. The insurance company will relieve you of fear by covering the cost of your broken door.

Insurance is possible both against all cases and for individual risks. The cost depends on the number of elements selected and the percentage of probability of their occurrence.

2) How the home is used

Residential buildings are built both for permanent residence and for periodic use. When visiting a home only on weekends, the risk of intrusion or damage to the home increases, and the presence of other factors leading to an increase in the tariff.

The condition of operational systems (gas pipeline, water supply, electrical networks) is also a determining factor for the cost of the policy.

3) Availability of an alarm system and protection against fires, floods, etc.

To ensure protection against burglaries and fires in the home, owners install alarms and external surveillance cameras.

The presence of these factors convinces the insurance company that the owners care about the condition of the home, so the commission amount is reduced.

4) Cost of materials (construction and finishing)

The cost of insurance directly depends on the type of house: wooden, brick, block, the level of its finishing, the status of the home. The more expensive the building materials and repair work, the higher the commission.

5) Service life and condition of the country house/dacha

Old houses/cottages have increased risks, so the cost of the insurance commission is usually higher.

Insurance companies often set a maximum lifespan for a building before it can be insured - up to 50 years .

Detailed instructions that describe step by step how you can quickly insure your apartment, house or cottage

4. How to insure an apartment, house or cottage in 5 steps - step-by-step instructions for beginners 📝

Knowing about the features and process of concluding a contract, you will be able to insure your own home Just .

Insurance companies exist through the fees they charge, so they are incentivized to offer maximum types of home protection against risks.

The owner must adequately analyze and select acceptable types of insurance.

Agents may offer to insure a home without inspecting it on site. They offer a standard contract, a ready-made insurance package, based on the market value of the home.

The cost of such transactions often includes completely unnecessary services that simply increase commissions.

The best option is conclusion of a contract after a full inspection of the property And determination of specific insurance objects.

Good to know!

In large cities (Moscow, St. Petersburg, etc.) there are insurance systems in the city's housing sector for targeted financial support to families. The deal is concluded at preferential rates, which are paid together with utility bills.

To be sure of protecting your own apartment, house or cottage, you need to go through several steps.

Step #1. Insurance company analysis

It is necessary to choose an organization that operates stably in the market, values ​​its clients, and pays compensation without delay or bureaucracy.

The majority of such companies are, but there are also unscrupulous organizations that put their profit from the transaction at the forefront. By turning to them, you can be left without complete or even partial compensation for insured risks.

The main criteria for choosing an insurance agency:

• General experience in the financial market.
• Company rating in major agencies.
• Solvency and stability of the organization.
• Economically justified tariffs.
• Availability of special programs.
• Reviews about the company from friends, on thematic forums, official websites.

Of course, reviews play a subjective role in the choice, but they give a general idea of ​​the company and attitude towards customers.

Schematically, the main selection parameters are presented in the table:

№	Name	Indicators
1.	Work experience	It is better to choose an organization that has been on the financial market for at least 5-6 years.
2.	Rating	There are special agencies that provide an objective rating of all insurance companies by type of insurance, premiums collected, payments
3.	Availability of representative offices and branch network	The larger a company's network, the more stable its financial position.
4.	Solvency	Availability of a guarantee fund, amount of payments for insured events. This data is presented on the official websites of the companies.
5.	Availability of special programs and promotions	The greater the variety of services offered, the higher the status of the company and its reliability. Seasonal promotions will help reduce the cost of the service by almost half.
6.	Reviews	Thematic forums can provide insight into an organization from specific clients. Important take into account the presence of positive and negative opinions.

The more good indicators an insurance company has, the more reliable it is.

Step #2. Selection of insurance risks (partial or package)

The final cost of the service depends on the number of risks, so it is not always worth purchasing a full package of all services, even if it is offered at a “discount”.

The best option is to select the most possible risks applicable to a particular home. Ultimately, this will result in lower fees.

For example, The dacha is only insured against theft and burglary. As part of movable property, only the most expensive and rare items are insured.

Step #3. Providing documents to the insurance company

The following must be submitted to the insurance company: package of documents:

• A document confirming the identity and registration of the client;
• Certificates of ownership of an apartment, house, dacha, land plot;
• Technical passports for real estate;
• Cost assessment from an appraisal company (sometimes companies carry out the appraisal themselves);
• When insuring a mortgaged apartment - a loan agreement.

To maintain competitiveness, organizations are interested in clients, so the set of documents is minimal; every property owner has one.

Step #4. Property inspection by agent

To save your own money, it would be better to invite an agent to personally inspect the property to identify possible risks. He will establish the estimated value of the property, tell you in detail about the availability of individual insurance programs, promotions and bonuses.

If you carry out insurance without visiting the site, you will have to pay more, and the amount of coverage for the risks encountered may be unexpectedly small .

Step #5. Conclusion of an agreement

To save yourself from surprises, you need to carefully study the terms of the insurance contract, all the clauses printed in small print.

You must be sure that if an insured event occurs, compensation will be full and prompt.

5. How much does it cost to insure an apartment and a country house (dacha) 💸 🗒

The final amount of insurance is individual; it depends on many factors and the risks chosen by the owner.

Main factors, which determine the price of insurance for an apartment or house are:

• Market value of home ownership;
• Dimensions of housing: its area, number of storeys (for houses);
• How many risks are selected;
• Term;
• Reimbursement amount (selected independently).

The cost of insuring a country house can be from 2 thousand rubles. , apartments 3-5 thousand rubles. , private house – 3-10 thousand rubles. in year .

To the features of individual home insurance refers to the fact that these objects are insured entirely. It is impossible to insure just the interior decoration of a house. This leads to higher tariff prices. The average home insurance rate is up to 0.3% from the cost of housing.

There are factors that increase the base rate: if the house has wooden floors, the rate increases by 0.1%, the presence of stoves and fireplaces increases insurance by 0.2%, periodic residence in the house also increases the base rate by an average of 0.1%.

Important! A reduction in insurance may occur if the house is well protected, there is an alarm system, strong doors, and bars on the windows.

The property is insured separately, the insurance amounts to up to 4% its cost.

For example: Insurance of a wooden house with a stove, the market value of which is 6 million rubles. will be about 60 thousand rubles. per year at the base rate.

6. Where to insure an apartment and house on favorable terms - TOP-6 +1 insurance companies with favorable offers 📊

Insurance services from the bank " Sberbank »

Let's take a closer look at each insurance company and its home insurance services.

1) Rosgosstrakh

It has the most extensive network and has been operating in the financial market for more than 88 years. It has its own Loss Settlement Centers, where legal and psychological assistance is provided to people who find themselves in difficult life situations.

Among the popular programs is voluntary insurance of a house, apartment, other property, title, etc. The service can be provided online.

Popular residential property insurance programs include:

"ROSGOSSTRAKH House "ACTIV" — insurance of standard private houses located in towns, villages, and gardening communities. Basic risks are insured (fire, flood, explosion, illegal actions of third parties, collision with a vehicle, natural disasters) for 1 year.

"ROSGOSSTRAKH House "Prestige" — insurance of luxury houses.

"Asset fixed" — insurance of interior decoration, engineering equipment, property and civil liability of apartments.

This type of insurance protects the risk of fire, flood, and theft. The tariff is individual for each object. Average cost of insurance from 5 to 6 thousand rubles.

"Individual asset" — implies the inclusion of additional risks in the “Asset Fixed” package: structural elements, external finishing.

2) VSK Insurance House

Has been working in the financial market for 25 years. Insurance services for apartments, houses and other residential real estate are at the priority level of the insurance company.

Popular insurance programs:

• Express Vacation Insurance – low-cost short-term insurance.
• Turnkey – basic package.
• Maximum protection – extended package.
• Insurance of rental apartments.
• Protection for damage to neighbors' property.
• Investment apartment – ​​insurance conditions for clients. Awaiting the sale of a home.

The company evaluates the property free of charge; the tariff can be paid in installments.

It is possible to obtain insurance for an apartment, house or cottage online.

3) RESO-Garantiya

25 years of experience in the financial market. Here you can insure your apartment, cottage or house against fire and flooding.

Popular program "Brownie", with different risk packages: Premium, Express, Economy, Preferential.

Program "RESO HOUSE» provides protection for country houses, dachas, land plots, apartments.

For example, when insuring a house for 6.5 million rubles. (basic risks), insurance will cost 19.6 thousand rubles, fence insurance will cost 150 thousand rubles. will cost 0.6 thousand rubles.

Liability insurance and mortgage insurance.

Member of the All-Union Union of Insurers, Russian Union of Auto Insurers, etc. Here you can, if necessary, or any other movable property.

The company is currently working to reduce tariffs. The cost of the service has been reduced on 10% .

4) Alpha insurance

Operating for more than 10 years. One of the top five leaders of the open insurance market and the All-Union Union of Insurers.

Popular programs:

• Repair insurance.
• Protecting neighbors.
• “Even a flood” (a comprehensive package of risks - valuables, repairs, finishing, civil liability).
• Calm.

It features fast payment of insurance claims; you can purchase a policy online.

5) Ingosstrakh

Popular residential property insurance options are:

• Platinum – full package, valid from 3 months.
• Vacation pay is a short-term policy.
• Freedom.
• Express – economical insurance.

There are representative offices in countries near and far abroad.

6) Max

Has been working in the insurance market for 25 years. Offers a maximum of options for real estate insurance: apartments, houses and other real estate, liability, property rights. There are no restrictions on payment for elements of “load-bearing structures” or “finishing”.

Popular programs:

• House. The basic set of risks includes gas explosions, lightning strikes, aircraft crashes, and vehicle entry. The expanded package includes the following risks: flood, natural disasters, attacks by third parties.
• Apartment. The following risks are insured: fire, gas explosion, flood, natural disasters, force majeure, illegal actions.

7) Sberbank

The largest bank in our country. The company with state participation offers various services for insurance of residential real estate (apartments, houses).

The main product in the home insurance industry is apartment or house insurance. Home protection»

We looked at just a few popular insurance companies that offer home insurance services.

Study the insurance contract in detail and carefully read the conditions and payments upon the occurrence of an insured event.

7. How to save on home insurance - TOP 5 tips 💎

Protecting your home from possible risks is the main objective of insurance. It is better to spend a little money on insurance to avoid major problems in the future.

Tips from professionals will help you save your own money while providing yourself with maximum protection:

Tip 1. Insurance according to individual programs

This type of insurance provides the opportunity to independently select risks and the amount of payments for them. This allows us to take into account all the individual needs of the client.

The agent inspects the property during a personal visit, determines the real market value, this guarantees adequate payment in the event of an insured event.

Tariffs for individual programs below average, which is explained by the fact that the number of risks included in the policy is directly related to the cost of insurance.

Agents, when inspecting an apartment, private home, or dacha, pay attention to the presence of property protection systems. They include the presence of fire and security alarms, external surveillance cameras, the presence of bars on windows, the condition of fences and locking structures, etc.

Installation of security systems will require additional investment, but it will be worth it, will improve the status of housing . This will lead to a reduction in the tariff and will pay off in long-term insurance.

The availability of certain insurance positions must be determined by the client independently. It is necessary to exclude unnecessary risks from the service package.

For example, If the house is located far from the highway, why insure it against entry of other people's vehicles?

To effectively distribute risks, it is necessary to study information about the statistics of the occurrence of certain risks and the composition of a specific threat.

You can contact a professional (outsourcer), he will help calculate risk for each item that interests the policyholder, we will provide a choice of individual programs.

Tip 4. Determine the degree of participation of the policyholder in the risk

The presence of a franchise in the contract allows you to save money for the policyholder. In this case, the insurer is exempt from paying insurance compensation in a certain amount.

For example: In the event of an insured event, compensation for damage in 200 thousand rubles. the deductible under the agreement is set in the amount 5 % . The insurance company pays only 190 thousand rubles, and the remaining 10 thousand rubles. are paid by the policyholder from his own funds.

Tip 5. Using short-term types of insurance

A short-term contract is a contract concluded for a period of up to a year. According to statistics, the main time for insured events to occur is summer, when the threat of fires, floods, and thefts increases. This is due to the absence of the owners during the holidays.

Will minimize costs holiday home insurance . In total terms, it will cost less than a long-term contract. In addition to the main risks, it is necessary to include responsibility to neighbors.

8. 6 main mistakes and misconceptions when insuring an apartment/house against fire, flooding, theft ⚠

Often, policyholders make mistakes when calculating insurance and in other aspects when drawing up an insurance contract for a private home. To avoid them, let's look at the most common mistakes policyholders make.

Error 1. High cost of the policy

Clients who do not understand the intricacies of insurance believe that home insurance will cost a lot expensive apartments. There is an intertwining of two concepts here: title And property insurance.

Title insurance is one of the most expensive types of contract; its cost depends on the market value of the property.

When concluding a property insurance contract only, the amount will be much lower. The contract amount will be determined based on the estimated cost of restoration work.

Therefore, before concluding a contract, all the conditions of its conclusion are analyzed, to what extent title insurance is necessary when purchasing a new apartment or house.

The cost of the policy is also affected by the comprehensive home insurance offered by insurers. The cost of insurance depends on the number of risks included in the contract.

Many companies offer different types of programs:

• Economical.
• Optimal.
• Maximum.

Error 2. Full insurance coverage for damage caused by theft

The standard package of risks includes damage to structures and internal communications. If the client wants to insure the house against theft, this must be drawn up in a separate contract or be included in a comprehensive protection program.

Good to know!

In case of damage caused by the fault of the policyholder, the insurer has the right to refuse to pay insurance compensation.

Error 3. Home insurance fully protects against natural disasters

This fact is undeniable if the pole includes all types of natural disasters that can cause damage to the home. Payment of compensation will occur only upon the presence of a specific incident in the policy.

If the house was insured against damage by strong winds, but the roof was damaged by precipitation in the form of hail, no one will pay for the damage.

Error 4. Land plot cannot be insured

The cost of a plot of land, especially near a big city, is significant, so this property can and should be secured.

The main risks are:

• Fire, explosion, communications failure.
• Earthquakes, floods, landslides.
• Soil contamination due to disasters or accidents.
• Aircraft crash.
• Illegal actions.

There are risks of washing away the fertile layer of soil and damaging the landscape design. They are included in the policy if the policyholder wishes, which will guarantee compensation for damage when an insured event occurs.

The most significant risk is considered to be loss of ownership of the site . According to statistics, land owners rarely resort to such a service. This is explained by the fact that the probability of these events occurring is not high.

Error 5. Home insurance fully protects against losses from fire

If, when applying for a policy, a professional assessment of the market value of a private home was not made, the amount of payment will be calculated based on their replacement cost. This means that the amount paid by the company will not cover the cost of repair work. 100%.

In addition, the cause of the fire must be determined. If the house burned down due to the negligence of the owners, there will be no payment. Therefore, even if the risk of fire protection is included in the policy, it is necessary to follow fire safety precautions and know exactly the terms of the insurance contract.

Error 6. Why insure your home if you can protect it yourself?

You can install a modern alarm system, hang bars on the windows and connect strong locking structures, you can hang video surveillance cameras in the house and area, but give guarantees of complete security of the household impossible .

For example, it is impossible to predict the entry of someone else’s vehicle into the house, a fire from a shorted wiring, natural disasters, etc.

Only insurance can compensate for the consequences of certain cases.

9. Frequently asked questions (FAQ) about home insurance 🔔

When deciding to insure an apartment, house, or land, a lot of questions arise. Answers to the most popular of them are provided below.

Question 1. What is real estate title insurance?

Title insurance means protection against the risk of losing title to a property.

Title is a document that confirms ownership. However, it cannot be considered that any loss of title is an insured event.

For example, if property is lost in a fire, explosion, or intentional destruction, title insurance will not compensate for the loss.

This type of insurance is mandatory when obtaining a mortgage loan or purchasing housing on the secondary market.

Often, purchase and sale transactions of one apartment or house occur repeated , if the law was violated once in the chain, all subsequent transactions are considered void. This is where title insurance can help.

The main reasons for loss of property rights include:

• Infringement of the rights of third parties (minors, incompetents, heirs, etc.).
• Carrying out previous transactions in violation of the law.
• Invalidity of the transaction.
• Fraudulent nature of the transaction.

The transaction tariff is up to 1% from the insured amount.

Question 2. What to do if an insured event occurs?

If an insured event occurs, you must act immediately.

Basic steps to take:

Step 1. Take measures to reduce damage (extinguish the fire, turn off the water, etc.)

Step 2. Notify emergency services

Urgently call emergency services:

• A single emergency call using a mobile phone is 112.
• In case of fire - 01, 101.
• In case of a domestic gas explosion - 04, 104.
• In case of a flood or rupture of operational systems - call the operational services - housing department, management company, homeowners' association.
• In case of natural disasters - to the Ministry of Emergency Situations.
• In case of theft or vandalism, contact law enforcement agencies.
• If a vehicle has driven into the house, contact the traffic police.
• If necessary, call an ambulance - 03, 103.

Step 3. Contact the insurance company

Within three days, contact the insurance company to notify about the occurrence of an insured event and receive advice on further actions. Collect all possible preliminary information about the damage.

Step 4. If possible, do not touch anything until the damage is recorded.

Do not touch anything until representatives of the insurance company arrive (if possible).

Without the written consent of the insurer, it is impossible to agree to settle issues with voluntary compensation of losses by the guilty party.

You will need to prepare an insurance contract, a policy, a receipt for payment of premiums, and an identification document. It will also be necessary to collect certificates from the competent authorities confirming the occurrence of the event with confirmation of the amount of damage caused.

Question 3. What does insurance for an apartment, country house, etc. protect against?

It is impossible to completely protect your own home from unforeseen risks. Only insurance will help with this.

What are apartments, country houses and cottages insured against - the main risks

The main risks that companies insure are:

1. Fire;
2. Explosion;
3. Flooding;
4. Lightning strike;
5. Destruction;
6. Natural disasters, for example: hurricane, earthquake, flood, heavy rain, heavy snow;
7. Theft, robbery, robbery;
8. Intentional destruction (damage to property) by other persons;
9. Terrorist act;
10. Penetration of liquids into the apartment from other premises that do not belong to you;
11. Other cases specified in the insurance rules depending on the selected insurance company.

You can select several possible risks, or insure your home for all unforeseen circumstances, it all depends on the individual needs of the policyholder.

Companies offer different packages of services, in which various risks are grouped, where, along with the necessary ones, unpopular risks can also be included.

Question 4. How much does it cost to insure a house or apartment?

The cost of the service is individual, it depends on many factors: area, location, status of the premises, number of selected risks, choice of insurance company, etc.

Comprehensive home insurance price starts from 1000 rubles . The cheapest is called " Boxed product" It includes a basic set of risks, its registration will take a minimum of time. As a rule, insurance companies do not inspect property; you can issue a policy online.

When concluding a contract, you should understand that the largest share in the insurance compensation is occupied by protection of load-bearing walls.

Finishing, which has a higher risk of damage, takes up only 10% of the total contract amount.

Under individual insurance conditions, the cost of the service is:

• Finishing and property – 03-.3-0.7% of the insured amount.
• House – 0.2-1.0% of the insured amount.

Table of average insurance costs taking into account basic risks:

Minimum cost of an annual policy (thousand rubles)	2	2,3	2,9	3,8	5,9
Finishing (500 thousand rubles)	+	+	+	+	+
Load-bearing structures (300 thousand rubles)	—	+	+	+	+
Civil liability (300 thousand rubles)	—	—	—	—	+

10. Conclusion + video on the topic 🎥

Living in an insured house or apartment is much calmer; this will save not only money, but also nerves. Will protect you from possible financial expenses and troubles.

It is important to take into account your own interests and needs, choose the right insurance company, carefully study the contract and policy, and do not forget about paying insurance premiums.

Questions for readers

Do you insure your home (apartment, dacha, cottage)? If yes, under what conditions?

While in the West, accident insurance is a mandatory option for every civilized person, in our country this type of insurance is still viewed with skepticism. At the same time, Russians have learned to insure their cars, apartments, dachas, and can even spend money on a voluntary health insurance policy. But the mental characteristics of our compatriots are that they do not like to think about the misfortune or tragedy that could happen to them, so they do not see the point in insuring against accidents.

So far, Russians are only slightly more interested in accident insurance in popularity than marriage contracts and wills. However, experts assure that this type of insurance will soon become one of the most popular.

Today, NS insurance contracts are mainly concluded by employers in relation to their employees.. Such an agreement can be concluded in relation to the entire team, groups of employees or individual top managers. Among the insured risks are “death” or “disability” resulting from an accident. At the request of the organization concluding the contract, the number of risks may include “temporary loss of ability to work” by the employee due to the circumstances listed above. If a misfortune occurs, then the family in this case will receive certain resources, without which it could find itself in a difficult situation. The contract is usually concluded for a year. But if required, the contract can be drawn up for several months or even days, for example, for the period of a business trip or the completion of some task. Wherein the tariff will depend on the number of insured personnel (the more employees are insured, the higher the discount), on the profession of the insured (for office employees and, for example, cash collectors or security guards, the cost of insurance will vary significantly) and on some other factors. It averages 0.35 - 2.5% of the insured amount per year. The insurance company always provides a final quote only after a comprehensive risk assessment. The size of the tariff will also be affected by the fact whether the insurance will be valid only during the period the employee performs his work duties or around the clock and everywhere - at home, on the street, during vacation. If insurance coverage is provided only at work, the tariff is reduced by an average of 20%.

Do I need an accident insurance policy?

If your employer does not provide personal insurance insurance for the team, then you should take a closer look at this type yourself. Most often, this question in the most theoretical context first arises after an insurance agent appears in your home. To understand, let's first understand what the fundamental difference between accident insurance and voluntary medical insurance policy. A standard voluntary health insurance policy compensates for the costs of paying for the services of medical institutions, but, for example, such insurance will not cover the costs of a craniotomy operation in the event of an injury. An accident insurance policy compensates not only the costs of emergency medical services, but also the income that will be lost to the insured during days of incapacity. This concerns the risk of temporary disability, but there are also more tragic situations that most often you don’t want to think about, but this does not make the importance of insuring these risks any less. Even if both spouses in a family work and earn good money, the loss of income of one of them will have a significant impact on the family budget.

In the event of a permanent disability, it may be difficult to quickly find the large amount of money that may be needed. It should also be noted that complete disability can be financially very burdensome for relatives, since such a patient needs special care, medications and often constant assistance and supervision. There are many more options for the development of events - any qualified financial consultant of an insurance company will be able to describe them. It's unpleasant to think about, but as the saying goes, you have to count on the good, but don’t forget to prepare for the bad. The insurance company can help in such a situation financially - and this is not a little.

What risks may be included in an accident insurance policy?

A standard accident insurance policy usually includes the following risks:

1) Death by accident

2) complete permanent disability,

3) partial permanent disability,

4) temporary disability.

If everything is more or less clear with the first risk, then the risk of complete permanent loss of ability to work can be interpreted in different ways. In insurance companies, the definition of this risk may vary, but most often the definition of risk coincides with disability groups 1 and 2. The risk of partial permanent disability often coincides with the 3rd disability group.

In a number of companies, these risks are divided by disability groups, but now they are trying to move away from this, since the establishment of disability groups is based on the Russian scale, so difficulties arise associated with insurance in coverage areas “all over the world.” What deserves the most attention here is risk of temporary disability, this is where the greatest differences occur between insurers, even with a similar tariff. The list of events that insurance companies cover is always strictly defined. Differences may be in what exactly is an insured event, as well as in the amount of payment. May also vary payment options for days of incapacity- for example, the number of paid days may vary, and the period may also vary - from which day of incapacity for work the insurer begins to cover lost income.

Insurance companies often offer boxed products when insuring against NS. That is, a standard set of risks is offered, or there are several strictly regulated options. As a rule, boxed products are offered by companies with large sales volumes for this type of insurance, and with some degree of probability one can judge that the process of servicing clients in the event of an accident is quite streamlined.

How to choose the right amount of insurance

The sum insured is usually selected individually with the help of a financial advisor, but there are still general rules. For example, for the risk of death, the optimal amount of coverage is two to three annual incomes of the insured. As noted by the Head of the Department for Work with Individuals of OJSC IC "MRG Life" Olga Krivosheina, the amount of coverage can be equal to five annual incomes, but it is believed that it takes exactly three years for a family that has lost its breadwinner to cope with grief and find a source of income. Therefore, this particular limit of insurer liability is the most optimal.

Nuances

Of course, it is necessary to mention that in different insurance companies tariffs for the same set of risks can vary greatly. Also, having decided to insure yourself, it is advisable to request a list of covered events for the risk of temporary disability in several companies and compare.

It should be noted that filling out the questionnaire that must be completed before concluding a contract should be taken as seriously as possible. Any incorrect or deliberately false information may subsequently be sufficient grounds for the insurance company to refuse payment. If the sum insured is large, be prepared for the insurer to ask for additional information about your financial situation.

And in conclusion it should be noted that You must familiarize yourself with the conditions specified in the policy before concluding an insurance contract., as well as find out the procedure and terms of insurance payments. After this, you can safely insure yourself with the company of your choice and thus getprotection from a variety of vicissitudes of fate.