[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.pweb.cz\/pojisteni-nemovitosti-ma-sve-koreny-jiz-ve-stredoveku\/#Article","mainEntityOfPage":"https:\/\/www.pweb.cz\/pojisteni-nemovitosti-ma-sve-koreny-jiz-ve-stredoveku\/","headline":"Poji\u0161t\u011bn\u00ed nemovitost\u00ed m\u00e1 sv\u00e9 ko\u0159eny ji\u017e ve st\u0159edov\u011bku","name":"Poji\u0161t\u011bn\u00ed nemovitost\u00ed m\u00e1 sv\u00e9 ko\u0159eny ji\u017e ve st\u0159edov\u011bku","description":"Tradice poji\u0161\u0165ov\u00e1n\u00ed objekt\u016f v\u0161ak poch\u00e1z\u00ed a\u017e ze st\u0159edov\u011bku, tehdy si \u017eiveln\u00e9 pohromy vy\u017e\u00e1daly mnoho ob\u011bt\u00ed na lidsk\u00fdch \u017eivotech a \u0161kody na majetku b\u00fdvaly mnohon\u00e1sobn\u011b vy\u0161\u0161\u00ed, ne\u017e dnes. Jedn\u00edm z\u00a0v\u00fdznamn\u00fdch mezn\u00edk\u016f vzniku poji\u0161\u0165oven na na\u0161em \u00fazem\u00ed byly st\u0159edov\u011bk\u00e9 po\u017e\u00e1ry velk\u00fdch m\u011bst. Kup\u0159\u00edkladu za sto let mezi roky 1400 a 1500 vzniklo v\u00a0jiho\u010desk\u00e9 husitsk\u00e9 metropoli T\u00e1bor celkem […]","datePublished":"2025-02-28","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.pweb.cz\/author\/#Person","name":"pweb.cz","url":"https:\/\/www.pweb.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/86b519ae28c05e7834416117bec12e679aa78b8940db1f26d4a52ad5648f8c3a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/86b519ae28c05e7834416117bec12e679aa78b8940db1f26d4a52ad5648f8c3a?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"pweb.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.pweb.cz\/wp-content\/uploads\/img_a308387_w2445_t1519471225.jpg","url":"https:\/\/www.pweb.cz\/wp-content\/uploads\/img_a308387_w2445_t1519471225.jpg","height":0,"width":0},"url":"https:\/\/www.pweb.cz\/pojisteni-nemovitosti-ma-sve-koreny-jiz-ve-stredoveku\/","about":["Ekonomika"],"wordCount":492,"articleBody":"Tradice poji\u0161\u0165ov\u00e1n\u00ed objekt\u016f v\u0161ak poch\u00e1z\u00ed a\u017e ze st\u0159edov\u011bku, tehdy si \u017eiveln\u00e9 pohromy vy\u017e\u00e1daly mnoho ob\u011bt\u00ed na lidsk\u00fdch \u017eivotech a \u0161kody na majetku b\u00fdvaly mnohon\u00e1sobn\u011b vy\u0161\u0161\u00ed, ne\u017e dnes.Jedn\u00edm z\u00a0v\u00fdznamn\u00fdch mezn\u00edk\u016f vzniku poji\u0161\u0165oven na na\u0161em \u00fazem\u00ed byly st\u0159edov\u011bk\u00e9 po\u017e\u00e1ry velk\u00fdch m\u011bst. Kup\u0159\u00edkladu za sto let mezi roky 1400 a 1500 vzniklo v\u00a0jiho\u010desk\u00e9 husitsk\u00e9 metropoli T\u00e1bor celkem 33 ohnisek po\u017e\u00e1r\u016f. Zna\u010dn\u00e9 \u0161kody zp\u016fsobily tak\u00e9 povodn\u011b, a to nemus\u00edme zach\u00e1zet ani tak daleko, sta\u010d\u00ed si vybavit situaci v\u00a0roce 1997, kdy byla povodn\u011bmi zasa\u017eena v\u011bt\u0161ina \u00fazem\u00ed Moravy, a v\u00a0roce 2002 naopak ji\u017en\u00ed a st\u0159edn\u00ed \u010cechy a Praha.\tPo\u017e\u00e1r, povodn\u011b, zem\u011bt\u0159esen\u00ed, vich\u0159icePro takov\u00e9 p\u0159\u00edpady slou\u017e\u00ed poji\u0161t\u011bn\u00ed nemovitosti. Nen\u00ed sice tak \u010dasto sjedn\u00e1v\u00e1no jako poji\u0161t\u011bn\u00ed dom\u00e1cnosti, p\u0159esto sv\u016fj v\u00fdznam m\u00e1. Zabezpe\u010duje hodnotu majetku p\u0159i p\u0159\u00edpadn\u00e9m po\u0161kozen\u00ed nebo zni\u010den\u00ed \u017eivelnou pohromou r\u016fzn\u00e9ho charakteru \u2013 p\u0159i po\u017e\u00e1ru, p\u0159i z\u00e1plav\u00e1ch, p\u0159i vich\u0159ici, ale tak\u00e9 v\u00a0p\u0159\u00edpad\u011b vloup\u00e1n\u00ed nezvan\u00e9ho hosta.Poji\u0161t\u011bn\u00ed nemovitost\u00ed se sjedn\u00e1v\u00e1 bu\u010f pro rodinn\u00e9 domy, objekty, kter\u00e9 jsou prozat\u00edm ve v\u00fdstavb\u011b, pro bytov\u00e9 domy a byty a rovn\u011b\u017e pro gar\u00e1\u017ee a rekrea\u010dn\u00ed chaty, penziony, nebo chalupy. Pojistit je mo\u017en\u00e9 tak\u00e9 samostatn\u011b stoj\u00edc\u00ed k\u016flnu, zahradn\u00ed domek, alt\u00e1n, nebo plot.\tJak vysok\u00e9 pojistn\u00e9?To ovliv\u0148uj\u00ed r\u016fzn\u00e9 faktory. Prvn\u00edm z\u00a0nich je, zda jde o poji\u0161t\u011bn\u00ed sjednan\u00e9 na \u010dasovou, nebo tzv. novou hodnotu. Rozhoduj\u00edc\u00ed je tak\u00e9 typ nemovitosti, tedy jinak se poji\u0161\u0165uje rodinn\u00fd d\u016fm, jinak dvojdomek, odli\u0161n\u011b tak\u00e9 gar\u00e1\u017e, nebo bytov\u00fd d\u016fm. Z\u00e1le\u017e\u00ed pochopiteln\u011b i na lokalit\u011b, kde stavba stoj\u00ed, stavby ve velk\u00fdch m\u011bstech maj\u00ed pojistn\u00e9 vy\u0161\u0161\u00ed, ne\u017e domy a chaty um\u00edst\u011bn\u00e9 v\u00a0mal\u00e9 obci. Pojistn\u00e1 smlouva se rovn\u011b\u017e uzav\u00edr\u00e1 na p\u0159esn\u011b definovan\u00fd objem rizik. Poji\u0161\u0165ovny tak\u00e9 hled\u00ed na p\u0159edchoz\u00ed beze\u0161kodn\u00e9 obdob\u00ed a poskytuj\u00ed slevy i za dlouhodobou v\u011brnost.\tCo je to \u201enov\u00e1 hodnota\u201c?Pojistit nemovitost na tzv. novou hodnotu znamen\u00e1, \u017ee v\u00a0p\u0159\u00edpad\u011b vznikl\u00e9 \u0161kody poji\u0161\u0165ovna hrad\u00ed n\u00e1klady v\u00a0takov\u00e9 v\u00fd\u0161i, kter\u00e1 odpov\u00edd\u00e1 uveden\u00ed nemovitosti nebo dom\u00e1cnosti do p\u016fvodn\u00edho stavu, jak\u00fd byl p\u0159ed pojistnou ud\u00e1lost\u00ed.\tPoji\u0161t\u011bn\u00ed na \u010dasovou hodnotuDo tohoto poji\u0161t\u011bn\u00ed se zahrnuje opot\u0159eben\u00ed a znehodnocen\u00ed v\u00a0pr\u016fb\u011bhu \u010dasu. Znamen\u00e1 to, \u017ee v\u00a0p\u0159\u00edpad\u011b pojistn\u00e9ho pln\u011bn\u00ed poji\u0161\u0165ovna hrad\u00ed n\u00e1klady odpov\u00eddaj\u00edc\u00ed tabulk\u00e1m opot\u0159eben\u00ed vybaven\u00ed a stavu nemovitosti. Pojistn\u00e9 pln\u011bn\u00ed je tedy v\u00a0tomto p\u0159\u00edpad\u011b ni\u017e\u0161\u00ed, ne\u017e u pojistek na novou hodnotu, ov\u0161em v\u00fdrazn\u011b ni\u017e\u0161\u00ed jsou tak\u00e9 platby pojistn\u00e9ho.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Poji\u0161t\u011bn\u00ed nemovitost\u00ed m\u00e1 sv\u00e9 ko\u0159eny ji\u017e ve st\u0159edov\u011bku","item":"https:\/\/www.pweb.cz\/pojisteni-nemovitosti-ma-sve-koreny-jiz-ve-stredoveku\/#breadcrumbitem"}]}]