{"id":76,"date":"2009-06-12T20:18:06","date_gmt":"2009-06-12T18:18:06","guid":{"rendered":"http:\/\/www.polakovi.info\/?page_id=76"},"modified":"2016-01-06T10:51:38","modified_gmt":"2016-01-06T09:51:38","slug":"pojisteni-nemovitosti","status":"publish","type":"page","link":"https:\/\/www.polakovi.info\/?page_id=76","title":{"rendered":"&#8211; majetek a odpov\u011bdnost ob\u010dan\u016f"},"content":{"rendered":"<h2><span style=\"color: #000080;\">Poji\u0161t\u011bn\u00ed majetku ob\u010dan\u016f :<\/span><\/h2>\n<p><span style=\"color: #000080;\"> <\/span><span style=\"color: #000080;\"><span style=\"color: #993366;\"><strong><span style=\"text-decoration: underline;\">1.) POJI\u0160T\u011aN\u00cd STAVEB<\/span><\/strong><\/span><\/span><\/p>\n<p><span style=\"color: #000080;\"><span style=\"color: #993366;\"><strong> <\/strong><\/span><\/span><span style=\"color: #993366;\"><strong>Pojistn\u00e1 nebezpe\u010d\u00ed pro Poji\u0161t\u011bn\u00ed staveb jsou voliteln\u00e1 v tomto rozsahu\u00a0:<\/strong><br \/>\n<\/span><\/p>\n<ul>\n<li><span style=\"color: #993366;\">z\u00e1kladn\u00ed (po\u017e\u00e1r; v\u00fdbuch; p\u0159\u00edm\u00fd \u00fader blesku do poji\u0161t\u011bn\u00e9 v\u011bci; p\u00e1d letadla nebo sportovn\u00edho l\u00e9taj\u00edc\u00edho za\u0159\u00edzen\u00ed nebo jeho \u010d\u00e1sti; vich\u0159ice; krupobit\u00ed)<\/span><\/li>\n<li><span style=\"color: #993366;\">roz\u0161\u00ed\u0159en\u00fd (po\u017e\u00e1r; v\u00fdbuch; p\u0159\u00edm\u00fd \u00fader blesku do poji\u0161t\u011bn\u00e9 v\u011bci; p\u00e1d letadla nebo sportovn\u00edho l\u00e9taj\u00edc\u00edho za\u0159\u00edzen\u00ed nebo jeho \u010d\u00e1sti; vich\u0159ice; krupobit\u00ed; aerodynamick\u00fd t\u0159esk; kou\u0159; mr\u00e1z na vodovodn\u00edm a topn\u00e9m syst\u00e9mu; n\u00e1raz dopravn\u00edho prost\u0159edku; p\u00e1d strom\u016f, sto\u017e\u00e1r\u016f nebo jin\u00fdch v\u011bc\u00ed, pokud nejsou sou\u010d\u00e1st\u00ed poji\u0161t\u011bn\u00e9 v\u011bci nebo souboru poji\u0161t\u011bn\u00fdch v\u011bc\u00ed; sesuv nebo z\u0159\u00edcen\u00ed sn\u011bhov\u00fdch lavin; sesuv p\u016fdy, z\u0159\u00edcen\u00ed skal nebo zemin; t\u00edha sn\u011bhu a n\u00e1mrazy; \u00fanik kapaliny z technick\u00e9ho za\u0159\u00edzen\u00ed; zem\u011bt\u0159esen\u00ed; zp\u011btn\u00e9 vystoupen\u00ed vody z odpadn\u00edho potrub\u00ed; po\u0161kozen\u00ed nebo zni\u010den\u00ed elektromotor\u016f elektronick\u00fdch za\u0159\u00edzen\u00ed p\u0159ep\u011bt\u00edm a zkratem; po\u0161kozen\u00ed nebo zni\u010den\u00ed skel z jin\u00fdch p\u0159\u00ed\u010din; po\u0161kozen\u00ed zateplen\u00e9 fas\u00e1dy hmyzem, ptactvem a hlodavci; atmosf\u00e9rick\u00e9 sr\u00e1\u017eky)<\/span><span style=\"color: #993366;\"> <\/span><\/li>\n<\/ul>\n<p><span style=\"color: #993366;\"> <\/span><strong><span style=\"color: #993366;\">voliteln\u00e1 p\u0159ipoji\u0161t\u011bn\u00ed :<\/span><\/strong><\/p>\n<p><strong> <\/strong><\/p>\n<p><strong> <\/strong><\/p>\n<ul>\n<li><strong> <\/strong><span style=\"color: #993366;\">povode\u0148, z\u00e1plava \u2013 voliteln\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed k z\u00e1kladn\u00edmu a roz\u0161\u00ed\u0159en\u00e9mu rozsahu poji\u0161t\u011bn\u00ed V poji\u0161t\u011bn\u00ed tohoto pojistn\u00e9ho nebezpe\u010d\u00ed je povinn\u00e9 stanoven\u00ed povod\u0148ov\u00e9\/tarifn\u00ed z\u00f3ny s t\u00edm, \u017ee pokud se m\u00edsto poji\u0161t\u011bn\u00ed nach\u00e1z\u00ed v TZ 4, nelze poji\u0161t\u011bn\u00ed pro toto pojistn\u00e9 nebezpe\u010d\u00ed sjednat. Pojistn\u00e1 \u010d\u00e1stka na toto p\u0159ipoji\u0161t\u011bn\u00ed nesm\u00ed b\u00fdt vy\u0161\u0161\u00ed ne\u017e pojistn\u00e1 \u010d\u00e1stka v z\u00e1kladn\u00edm nebo roz\u0161\u00ed\u0159en\u00e9m rozsahu<\/span><\/li>\n<li><span style=\"color: #993366;\"> odcizen\u00ed, vandalismus \u2013 voliteln\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed k z\u00e1kladn\u00edmu a roz\u0161\u00ed\u0159en\u00e9mu rozsahu poji\u0161t\u011bn\u00ed. Pojistn\u00e1 nebezpe\u010d\u00ed odcizen\u00ed v\u011bci kr\u00e1de\u017e\u00ed nebo loupe\u017e\u00ed a \u00famysln\u00e9 po\u0161kozen\u00ed nebo zni\u010den\u00ed (vandalismus) se sjedn\u00e1vaj\u00ed na prvn\u00ed riziko (sjednan\u00e1 pojistn\u00e1 \u010d\u00e1stka pro tato pojistn\u00e1 nebezpe\u010d\u00ed je horn\u00ed hranic\u00ed pln\u011bn\u00ed pojistitele pro jednu a v\u0161echny pojistn\u00e9 ud\u00e1losti vznikl\u00e9 v pr\u016fb\u011bhu 1 pojistn\u00e9ho roku).<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #993366;\"><span style=\"text-decoration: underline;\"><strong>2.) POJI\u0160T\u011aN\u00cd REKREA\u010cN\u00cdCH STAVEB<\/strong><\/span><\/span><\/p>\n<p><span style=\"color: #993366;\"><span style=\"text-decoration: underline;\"><strong> <\/strong><\/span><\/span><strong><span style=\"color: #993366;\">Pojistn\u00e1 nebezpe\u010d\u00ed pro Poji\u0161t\u011bn\u00ed rekrea\u010dn\u00edch staveb  jsou voliteln\u00e1 v tomto rozsahu:<\/span><\/strong><\/p>\n<ul>\n<li><span style=\"color: #993366;\">z\u00e1kladn\u00ed (po\u017e\u00e1r; v\u00fdbuch; p\u0159\u00edm\u00fd \u00fader blesku do poji\u0161t\u011bn\u00e9 v\u011bci; p\u00e1d letadla nebo sportovn\u00edho l\u00e9taj\u00edc\u00edho za\u0159\u00edzen\u00ed nebo jeho \u010d\u00e1sti; vich\u0159ice; krupobit\u00ed)<\/span><\/li>\n<li><span style=\"color: #993366;\"> roz\u0161\u00ed\u0159en\u00fd (po\u017e\u00e1r; v\u00fdbuch; p\u0159\u00edm\u00fd \u00fader blesku do poji\u0161t\u011bn\u00e9 v\u011bci; p\u00e1d letadla nebo sportovn\u00edho l\u00e9taj\u00edc\u00edho za\u0159\u00edzen\u00ed nebo jeho \u010d\u00e1sti; vich\u0159ice; krupobit\u00ed; aerodynamick\u00fd t\u0159esk; kou\u0159; n\u00e1raz dopravn\u00edho prost\u0159edku; p\u00e1d strom\u016f, sto\u017e\u00e1r\u016f nebo jin\u00fdch v\u011bc\u00ed, pokud nejsou sou\u010d\u00e1st\u00ed poji\u0161t\u011bn\u00e9 v\u011bci nebo souboru poji\u0161t\u011bn\u00fdch v\u011bc\u00ed; sesuv nebo z\u0159\u00edcen\u00ed sn\u011bhov\u00fdch lavin; sesuv p\u016fdy, z\u0159\u00edcen\u00ed skal nebo zemin; t\u00edha sn\u011bhu a n\u00e1mrazy; \u00fanik kapaliny z technick\u00e9ho za\u0159\u00edzen\u00ed; zem\u011bt\u0159esen\u00ed; zp\u011btn\u00e9 vystoupen\u00ed vody z odpadn\u00edho potrub\u00ed; po\u0161kozen\u00ed nebo zni\u010den\u00ed elektromotor\u016f a elektronick\u00fdch za\u0159\u00edzen\u00ed p\u0159ep\u011bt\u00edm a zkratem; po\u0161kozen\u00ed nebo zni\u010den\u00ed skel z jin\u00fdch p\u0159\u00ed\u010din)<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #993366;\"> <\/span><\/p>\n<p><span style=\"color: #993366;\"> <\/span><strong><span style=\"color: #993366;\">voliteln\u00e1 p\u0159ipoji\u0161t\u011bn\u00ed :<\/span><\/strong><\/p>\n<p><strong><span style=\"color: #993366;\"> <\/span><\/strong><\/p>\n<ul>\n<li><span style=\"color: #993366;\">povode\u0148, z\u00e1plava \u2013 voliteln\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed k z\u00e1kladn\u00edmu a roz\u0161\u00ed\u0159en\u00e9mu rozsahu poji\u0161t\u011bn\u00ed V poji\u0161t\u011bn\u00ed tohoto pojistn\u00e9ho nebezpe\u010d\u00ed je povinn\u00e9 stanoven\u00ed povod\u0148ov\u00e9\/tarifn\u00ed z\u00f3ny s t\u00edm, \u017ee pokud se m\u00edsto poji\u0161t\u011bn\u00ed nach\u00e1z\u00ed v TZ 4, nelze poji\u0161t\u011bn\u00ed pro toto pojistn\u00e9 nebezpe\u010d\u00ed sjednat. Pojistn\u00e1 \u010d\u00e1stka na toto p\u0159ipoji\u0161t\u011bn\u00ed nesm\u00ed b\u00fdt vy\u0161\u0161\u00ed ne\u017e pojistn\u00e1 \u010d\u00e1stka v z\u00e1kladn\u00edm nebo roz\u0161\u00ed\u0159en\u00e9m rozsahu<\/span><\/li>\n<li><span style=\"color: #993366;\"> odcizen\u00ed, vandalismus \u2013 voliteln\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed k z\u00e1kladn\u00edmu a roz\u0161\u00ed\u0159en\u00e9mu rozsahu poji\u0161t\u011bn\u00ed. Pojistn\u00e1 nebezpe\u010d\u00ed odcizen\u00ed v\u011bci kr\u00e1de\u017e\u00ed nebo loupe\u017e\u00ed a \u00famysln\u00e9 po\u0161kozen\u00ed nebo zni\u010den\u00ed (vandalismus) se sjedn\u00e1vaj\u00ed na prvn\u00ed riziko (sjednan\u00e1 pojistn\u00e1 \u010d\u00e1stka pro tato pojistn\u00e1 nebezpe\u010d\u00ed je horn\u00ed hranic\u00ed pln\u011bn\u00ed pojistitele pro jednu a v\u0161echny pojistn\u00e9 ud\u00e1losti vznikl\u00e9 v pr\u016fb\u011bhu 1 pojistn\u00e9ho roku).<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #993366;\"><strong><span style=\"text-decoration: underline;\">3.) POJI\u0160T\u011aN\u00cd DOM\u00c1CNOSTI<\/span><\/strong><\/span><\/p>\n<p><span style=\"color: #993366;\"><strong>Pojistn\u00e1 nebezpe\u010d\u00ed pro Poji\u0161t\u011bn\u00ed dom\u00e1cnosti jsou voliteln\u00e1 v tomto rozsahu:<\/strong><\/span><\/p>\n<p><span style=\"color: #993366;\"><strong> <\/strong><\/span><\/p>\n<ul>\n<li><span style=\"color: #993366;\">z\u00e1kladn\u00ed (po\u017e\u00e1r; v\u00fdbuch; p\u0159\u00edm\u00fd \u00fader blesku do poji\u0161t\u011bn\u00e9 v\u011bci;p\u00e1d letadla nebo sportovn\u00edho l\u00e9taj\u00edc\u00edho za\u0159\u00edzen\u00ed nebo jeho \u010d\u00e1sti;vich\u0159ice;krupobit\u00ed)<\/span><\/li>\n<li><span style=\"color: #993366;\"> roz\u0161\u00ed\u0159en\u00fd (po\u017e\u00e1r; v\u00fdbuch; p\u0159\u00edm\u00fd \u00fader blesku do poji\u0161t\u011bn\u00e9 v\u011bci; p\u00e1d letadla nebo sportovn\u00edho l\u00e9taj\u00edc\u00edho za\u0159\u00edzen\u00ed nebo jeho \u010d\u00e1sti; vich\u0159ice; krupobit\u00ed; sesuv p\u016fdy, z\u0159\u00edcen\u00ed skal nebo zemin; zem\u011bt\u0159esen\u00ed; sesuv nebo z\u0159\u00edcen\u00ed sn\u011bhov\u00fdch lavin; p\u00e1d strom\u016f, sto\u017e\u00e1r\u016f nebo jin\u00fdch v\u011bc\u00ed, pokud nejsou sou\u010d\u00e1st\u00ed poji\u0161t\u011bn\u00e9 v\u011bci nebo souboru poji\u0161t\u011bn\u00fdch v\u011bc\u00ed; t\u00edha sn\u011bhu a n\u00e1mrazy; aerodynamick\u00fd t\u0159esk; kou\u0159; \u00fanik kapaliny z technick\u00e9ho za\u0159\u00edzen\u00ed; n\u00e1raz dopravn\u00edho prost\u0159edku; mr\u00e1z na vodovodn\u00edm a topn\u00e9m syst\u00e9mu; atmosf\u00e9rick\u00e9 sr\u00e1\u017eky; zp\u011btn\u00e9 vystoupen\u00ed vody z odpadn\u00edho potrub\u00ed; po\u0161kozen\u00ed nebo zni\u010den\u00ed elektrospot\u0159ebi\u010d\u016f a elektroniky p\u0159ep\u011bt\u00edm a zkratem; po\u0161kozen\u00ed nebo zni\u010den\u00ed skel z jin\u00fdch p\u0159\u00ed\u010din)<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #993366;\"> <\/span><\/p>\n<p><span style=\"color: #993366;\"><strong>voliteln\u00e1 p\u0159ipoji\u0161t\u011bn\u00ed:<\/strong><\/span><\/p>\n<p><span style=\"color: #993366;\"><strong> <\/strong><\/span><\/p>\n<ul>\n<li><span style=\"color: #993366;\">povode\u0148, z\u00e1plava \u2013 voliteln\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed k z\u00e1kladn\u00edmu a roz\u0161\u00ed\u0159en\u00e9mu rozsahu poji\u0161t\u011bn\u00ed. <\/span><span style=\"color: #993366;\">V poji\u0161t\u011bn\u00ed tohoto pojistn\u00e9ho nebezpe\u010d\u00ed je povinn\u00e9 stanoven\u00ed povod\u0148ov\u00e9\/tarifn\u00ed z\u00f3ny s t\u00edm, \u017ee pokud se m\u00edsto poji\u0161t\u011bn\u00ed nach\u00e1z\u00ed v TZ 4, nelze poji\u0161t\u011bn\u00ed pro toto pojistn\u00e9 nebezpe\u010d\u00ed sjednat. Pojistn\u00e1 \u010d\u00e1stka na toto p\u0159ipoji\u0161t\u011bn\u00ed nesm\u00ed b\u00fdt vy\u0161\u0161\u00ed ne\u017e pojistn\u00e1 \u010d\u00e1stka v z\u00e1kladn\u00edm nebo roz\u0161\u00ed\u0159en\u00e9m rozsahu.<\/span><\/li>\n<li><span style=\"color: #993366;\"> odcizen\u00ed, vandalismus \u2013 voliteln\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed k z\u00e1kladn\u00edmu a roz\u0161\u00ed\u0159en\u00e9mu rozsahu poji\u0161t\u011bn\u00ed. <\/span><span style=\"color: #993366;\">Pojistn\u00e1 nebezpe\u010d\u00ed odcizen\u00ed v\u011bci kr\u00e1de\u017e\u00ed nebo loupe\u017e\u00ed a \u00famysln\u00e9 po\u0161kozen\u00ed nebo zni\u010den\u00ed (vandalismus) se sjedn\u00e1vaj\u00ed na prvn\u00ed riziko (sjednan\u00e1 pojistn\u00e1 \u010d\u00e1stka pro tato pojistn\u00e1 nebezpe\u010d\u00ed je horn\u00ed hranic\u00ed pln\u011bn\u00ed pojistitele pro jednu a v\u0161echny pojistn\u00e9 ud\u00e1losti vznikl\u00e9 v pr\u016fb\u011bhu 1 pojistn\u00e9ho roku).<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #993366;\"> <\/span><\/p>\n<p><span style=\"color: #993366;\"><strong>4.)<span style=\"text-decoration: underline;\"> POJI\u0160T\u011aN\u00cd REKREA\u010cN\u00cd DOM\u00c1CNOSTI :<\/span><\/strong><\/span><\/p>\n<p><span style=\"color: #993366;\"><strong>Pojistn\u00e1 nebezpe\u010d\u00ed pro Poji\u0161t\u011bn\u00ed rekrea\u010dn\u00ed dom\u00e1cnosti jsou voliteln\u00e1 v tomto rozsahu:<\/strong><\/span><\/p>\n<p><span style=\"color: #993366;\"><strong> <\/strong><\/span><\/p>\n<ul>\n<li><span style=\"color: #993366;\"> z\u00e1kladn\u00ed (po\u017e\u00e1r; v\u00fdbuch; p\u0159\u00edm\u00fd \u00fader blesku do poji\u0161t\u011bn\u00e9 v\u011bci;p\u00e1d letadla nebo sportovn\u00edho l\u00e9taj\u00edc\u00edho za\u0159\u00edzen\u00ed nebo jeho \u010d\u00e1sti;vich\u0159ice;krupobit\u00ed)<\/span><\/li>\n<li><span style=\"color: #993366;\"> roz\u0161\u00ed\u0159en\u00fd (po\u017e\u00e1r; v\u00fdbuch; p\u0159\u00edm\u00fd \u00fader blesku do poji\u0161t\u011bn\u00e9 v\u011bci; p\u00e1d letadla nebo sportovn\u00edho l\u00e9taj\u00edc\u00edho za\u0159\u00edzen\u00ed nebo jeho \u010d\u00e1sti; vich\u0159ice; krupobit\u00ed; sesuv p\u016fdy, z\u0159\u00edcen\u00ed skal nebo zemin; zem\u011bt\u0159esen\u00ed; sesuv nebo z\u0159\u00edcen\u00ed sn\u011bhov\u00fdch lavin; p\u00e1d strom\u016f, sto\u017e\u00e1r\u016f nebo jin\u00fdch v\u011bc\u00ed, pokud nejsou sou\u010d\u00e1st\u00ed poji\u0161t\u011bn\u00e9 v\u011bci nebo souboru poji\u0161t\u011bn\u00fdch v\u011bc\u00ed; t\u00edha sn\u011bhu a n\u00e1mrazy; aerodynamick\u00fd t\u0159esk; kou\u0159; \u00fanik kapaliny z technick\u00e9ho za\u0159\u00edzen\u00ed; n\u00e1raz dopravn\u00edho prost\u0159edku; po\u0161kozen\u00ed nebo zni\u010den\u00ed elektrospot\u0159ebi\u010d\u016f a elektroniky p\u0159ep\u011bt\u00edm a zkratem; po\u0161kozen\u00ed nebo zni\u010den\u00ed skel z jin\u00fdch p\u0159\u00ed\u010din)<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #993366;\"> <\/span><\/p>\n<p><span style=\"color: #993366;\"><strong>voliteln\u00e1 p\u0159ipoji\u0161t\u011bn\u00ed:<\/strong><\/span><\/p>\n<p><span style=\"color: #993366;\"><strong> <\/strong><\/span><\/p>\n<ul>\n<li><span style=\"color: #993366;\">povode\u0148, z\u00e1plava \u2013 voliteln\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed k z\u00e1kladn\u00edmu a roz\u0161\u00ed\u0159en\u00e9mu rozsahu poji\u0161t\u011bn\u00ed. <\/span><span style=\"color: #993366;\">V poji\u0161t\u011bn\u00ed tohoto pojistn\u00e9ho nebezpe\u010d\u00ed je povinn\u00e9 stanoven\u00ed povod\u0148ov\u00e9\/tarifn\u00ed z\u00f3ny s t\u00edm, \u017ee pokud se m\u00edsto poji\u0161t\u011bn\u00ed nach\u00e1z\u00ed v TZ 4, nelze poji\u0161t\u011bn\u00ed pro toto pojistn\u00e9 nebezpe\u010d\u00ed sjednat. Pojistn\u00e1 \u010d\u00e1stka na toto p\u0159ipoji\u0161t\u011bn\u00ed nesm\u00ed b\u00fdt vy\u0161\u0161\u00ed ne\u017e pojistn\u00e1 \u010d\u00e1stka v z\u00e1kladn\u00edm nebo roz\u0161\u00ed\u0159en\u00e9m rozsahu.<\/span><\/li>\n<li><span style=\"color: #993366;\"> odcizen\u00ed, vandalismus \u2013 voliteln\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed k z\u00e1kladn\u00edmu a roz\u0161\u00ed\u0159en\u00e9mu rozsahu poji\u0161t\u011bn\u00ed. <\/span><span style=\"color: #993366;\">Pojistn\u00e1 nebezpe\u010d\u00ed odcizen\u00ed v\u011bci kr\u00e1de\u017e\u00ed nebo loupe\u017e\u00ed a \u00famysln\u00e9 po\u0161kozen\u00ed nebo zni\u010den\u00ed (vandalismus) se sjedn\u00e1vaj\u00ed na prvn\u00ed riziko (sjednan\u00e1 pojistn\u00e1 \u010d\u00e1stka pro tato pojistn\u00e1 nebezpe\u010d\u00ed je horn\u00ed hranic\u00ed pln\u011bn\u00ed pojistitele pro jednu a v\u0161echny pojistn\u00e9 ud\u00e1losti vznikl\u00e9 v pr\u016fb\u011bhu 1 pojistn\u00e9ho roku).<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #993366;\"><strong>5. <span style=\"text-decoration: underline;\">POJI\u0160T\u011aN\u00cd BYTOV\u00ddCH DOM\u016e<\/span><\/strong><\/span><\/p>\n<p><strong><span style=\"color: #993366;\">Pojistn\u00e1 nebezpe\u010d\u00ed\u00a0pro poji\u0161t\u011bn\u00ed bytov\u00fdch dom\u016f jsou voliteln\u00e1 v tomto rozsahu:<\/span><\/strong><\/p>\n<p><strong><span style=\"color: #993366;\"> <\/span><\/strong><\/p>\n<ul>\n<li><span style=\"color: #993366;\"> Z\u00e1kladn\u00ed (po\u017e\u00e1r; v\u00fdbuch; p\u0159\u00edm\u00fd \u00fader blesku do poji\u0161t\u011bn\u00e9 v\u011bci; p\u00e1d letadla nebo sportovn\u00edho l\u00e9taj\u00edc\u00edho za\u0159\u00edzen\u00ed nebo jeho \u010d\u00e1sti; vich\u0159ice; krupobit\u00ed)<\/span><\/li>\n<li><span style=\"color: #993366;\"> Roz\u0161\u00ed\u0159en\u00fd (po\u017e\u00e1r; v\u00fdbuch; p\u0159\u00edm\u00fd \u00fader blesku do poji\u0161t\u011bn\u00e9 v\u011bci; p\u00e1d letadla nebo sportovn\u00edho l\u00e9taj\u00edc\u00edho za\u0159\u00edzen\u00ed nebo jeho \u010d\u00e1sti; vich\u0159ice; krupobit\u00ed; aerodynamick\u00fd t\u0159esk; kou\u0159; mr\u00e1z na vodovodn\u00edm a topn\u00e9m syst\u00e9mu; n\u00e1raz dopravn\u00edho prost\u0159edku; p\u00e1d strom\u016f, sto\u017e\u00e1r\u016f nebo jin\u00fdch v\u011bc\u00ed, pokud nejsou sou\u010d\u00e1st\u00ed poji\u0161t\u011bn\u00e9 v\u011bci nebo souboru poji\u0161t\u011bn\u00fdch v\u011bc\u00ed; sesuv nebo z\u0159\u00edcen\u00ed sn\u011bhov\u00fdch lavin; sesuv p\u016fdy, z\u0159\u00edcen\u00ed skal nebo zemin; t\u00edha sn\u011bhu a n\u00e1mrazy; \u00fanik kapaliny z technick\u00e9ho za\u0159\u00edzen\u00ed; zem\u011bt\u0159esen\u00ed; zp\u011btn\u00e9 vystoupen\u00ed vody z odpadn\u00edho potrub\u00ed; po\u0161kozen\u00ed nebo zni\u010den\u00ed elektromotor\u016f a elektronick\u00fdch za\u0159\u00edzen\u00ed p\u0159ep\u011bt\u00edm a zkratem; po\u0161kozen\u00ed nebo zni\u010den\u00ed skel z jin\u00fdch p\u0159\u00ed\u010din; zate\u010den\u00ed atmosf\u00e9rick\u00fdch sr\u00e1\u017eek, po\u0161kozen\u00ed nebo zni\u010den\u00ed zateplen\u00e9 fas\u00e1dy hmyzem, ptactvem nebo hlodavci)<\/span><\/li>\n<li><span style=\"color: #993366;\"> Povode\u0148, z\u00e1plava &#8211; pojistn\u00e9 nebezpe\u010d\u00ed povode\u0148 a z\u00e1plava se sjedn\u00e1v\u00e1 na prvn\u00ed riziko. Sjednan\u00e1 pojistn\u00e1 \u010d\u00e1stka je horn\u00ed hranic\u00ed pln\u011bn\u00ed pojistitele pro jednu a v\u0161echny pojistn\u00e9 ud\u00e1losti nastal\u00e9 v pr\u016fb\u011bhu jednoho pojistn\u00e9ho roku.<br \/>\nDojde-li v pr\u016fb\u011bhu pojistn\u00e9ho roku ke sn\u00ed\u017een\u00ed nebo vy\u010derp\u00e1n\u00ed sjednan\u00e9 pojistn\u00e9 \u010d\u00e1stky z d\u016fvodu poskytnut\u00e9ho pojistn\u00e9ho pln\u011bn\u00ed, je mo\u017en\u00e9 pro zbytek pojistn\u00e9ho roku obnovit pojistnou \u010d\u00e1stku do p\u016fvodn\u00ed v\u00fd\u0161e doplacen\u00edm pojistn\u00e9ho. Pojistitel neuplat\u0148uje podpoji\u0161t\u011bn\u00ed.<br \/>\nPoji\u0161t\u011bn\u00ed pojistn\u00e9ho nebezpe\u010d\u00ed povode\u0148 a z\u00e1plava lze sjednat s maxim\u00e1ln\u00edm limitem pln\u011bn\u00ed pro jednotliv\u00e9 tarifn\u00ed z\u00f3ny (TZ) do v\u00fd\u0161e: \u25e6TZ 1    100% sjednan\u00e9 pojistn\u00e9 \u010d\u00e1stky<br \/>\n\u25e6TZ 2    75% sjednan\u00e9 pojistn\u00e9 \u010d\u00e1stky<br \/>\n\u25e6TZ 3    50% sjednan\u00e9 pojistn\u00e9 \u010d\u00e1stky <\/span><\/li>\n<li><span style=\"color: #993366;\">Odcizen\u00ed, vandalismus &#8211; pojistn\u00e1 nebezpe\u010d\u00ed odcizen\u00ed v\u011bci kr\u00e1de\u017e\u00ed nebo loupe\u017e\u00ed a \u00famysln\u00e9 po\u0161kozen\u00ed nebo zni\u010den\u00ed (vandalismus) se sjedn\u00e1vaj\u00ed na prvn\u00ed riziko (sjednan\u00e1 pojistn\u00e1 \u010d\u00e1stka pro tato pojistn\u00e1 nebezpe\u010d\u00ed je horn\u00ed hranic\u00ed pln\u011bn\u00ed pojistitele pro jednu a v\u0161echny pojistn\u00e9 ud\u00e1losti vznikl\u00e9 v pr\u016fb\u011bhu 1 pojistn\u00e9ho roku)<\/span><\/li>\n<\/ul>\n<h2><span style=\"color: #993366;\"><span style=\"color: #000080;\">Poji\u0161t\u011bn\u00ed odpov\u011bdnosti ob\u010dan\u016f :<\/span><\/span><\/h2>\n<p><span style=\"color: #993366;\"><span style=\"color: #000080;\"><span style=\"color: #993366;\"><strong><span style=\"text-decoration: underline;\">1.) POJI\u0160T\u011aN\u00cd ODPOV\u011aDNOSTI V B\u011a\u017dN\u00c9M OB\u010cANSK\u00c9M \u017dIVOT\u011a :<\/span><\/strong><\/span><\/span><\/span><\/p>\n<ul>\n<li><span style=\"color: #993366;\"><span style=\"color: #000080;\"><span style=\"color: #993366;\"> <\/span><\/span><\/span><span style=\"color: #993366;\">Pokryje v\u00e1m \u00fajmy, kter\u00e9 zp\u016fsob\u00edte t\u0159et\u00ed osob\u011b v souvislosti s veden\u00edm dom\u00e1cnosti, provozem jej\u00edho za\u0159\u00edzen\u00ed, p\u0159i z\u00e1bav\u011b, rekrea\u010dn\u00edm sportu nebo jako vlastn\u00edk, p\u0159\u00edpadn\u011b opatrovatel drobn\u00e9ho dom\u00e1c\u00edho zv\u00ed\u0159ete<br \/>\nPoji\u0161t\u011bn\u00ed odpov\u011bdnosti nechr\u00e1n\u00ed pouze v\u00e1s, ale tak\u00e9 \u010dleny va\u0161\u00ed spole\u010dn\u00e9 <span style=\"color: #993366;\">dom\u00e1cnosti (man\u017eel\/man\u017eelka, druh\/dru\u017eka, osoby p\u0159\u00edbuzn\u00e9 v linii p\u0159\u00edm\u00e9, d\u011bti nevlastn\u00ed do 26 let).<\/span><\/span><\/li>\n<p><span style=\"color: #993366;\"> <\/span><\/ul>\n<p><span style=\"color: #993366;\"> <\/span><\/p>\n<p><span style=\"color: #993366;\"><strong>voliteln\u00e1 p\u0159ipoji\u0161t\u011bn\u00ed:<\/strong><\/span><\/p>\n<p><span style=\"color: #993366;\"> <\/span><\/p>\n<ul><span style=\"color: #993366;\"> <\/span><\/p>\n<li><span style=\"color: #993366;\">vlastn\u00edka, dr\u017eitele, n\u00e1jemce nebo spr\u00e1vce nemovit\u00e9 v\u011bci<\/span><\/li>\n<p><span style=\"color: #993366;\"> <\/span><\/p>\n<li><span style=\"color: #993366;\">vlastn\u00edka nebo opatrovatele zv\u00ed\u0159ete<\/span><\/li>\n<p><span style=\"color: #993366;\"> <\/span><\/p>\n<li><span style=\"color: #993366;\"> vlastn\u00edka nebo provozovatele plavidla<br \/>\n<\/span><\/li>\n<p><span style=\"color: #993366;\"> <\/span><\/p>\n<li><span style=\"color: #993366;\">odpov\u011bdnost model\u00e1\u0159e<\/span><\/li>\n<p><span style=\"color: #993366;\"> <\/span><\/ul>\n<p><span style=\"color: #993366;\"> <\/span><\/p>\n<p><span style=\"color: #993366;\"><strong><span style=\"text-decoration: underline;\">2.) P\u0158I V\u00ddKONU PR\u00c1VA MYSLIVOSTI<\/span><\/strong><\/span><\/p>\n<p><span style=\"color: #993366;\"> <\/span><\/p>\n<p><span style=\"color: #993366;\">Poji\u0161t\u011bn\u00ed se vztahuje na odpov\u011bdnost poji\u0161t\u011bn\u00e9ho za \u00fajmu zp\u016fsobenou p\u0159i v\u00fdkonu pr\u00e1va myslivosti na z\u00e1klad\u011b p\u0159\u00edslu\u0161n\u00fdch opr\u00e1vn\u011bn\u00ed. Poji\u0161t\u011bn\u00ed se d\u00e1le vztahuje tak\u00e9 na odpov\u011bdnost poji\u0161t\u011bn\u00e9ho za \u00fajmu zp\u016fsobenou loveck\u00fdm psem nebo cvi\u010den\u00fdm dravcem, uveden\u00fdm v pojistn\u00e9 smlouv\u011b. Poji\u0161t\u011bn\u00ed nav\u00edc kryje \u00fajmu zp\u016fsobenou loveck\u00fdm psem i mimo v\u00fdkon pr\u00e1va myslivosti.<\/span><\/p>\n<p><span style=\"color: #993366;\"><br \/>\n<strong><span style=\"text-decoration: underline;\"> 3.) ZAM\u011aSTNANCE P\u0158I V\u00ddKONU POVOL\u00c1N\u00cd<\/span><\/strong><\/span><\/p>\n<p><span style=\"color: #993366;\">Poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance p\u0159i v\u00fdkonu povol\u00e1n\u00ed nelze sjednat samostatn\u011b, ale pouze spolu s ostatn\u00edmi pojistn\u00fdmi produkty (nap\u0159. poji\u0161t\u011bn\u00ed majetku a odpov\u011bdnosti, poji\u0161t\u011bn\u00ed motorov\u00e9ho vozidla a povinn\u00e9ho ru\u010den\u00ed, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed apod.). Pro sjedn\u00e1n\u00ed tohoto rozsahu poji\u0161t\u011bn\u00ed je t\u0159eba nejd\u0159\u00edve vyplnit \u010d\u00edslo smlouvy (pokud nen\u00ed sjedn\u00e1no touto smlouvou), pot\u00e9 bude zp\u0159\u00edstupn\u011bna \u010d\u00e1st pro vypln\u011bn\u00ed.<\/span><\/p>\n<p><span style=\"color: #993366;\"><strong><span style=\"text-decoration: underline;\">4.) POJI\u0160T\u011aN\u00cd ODPOV\u011aDNOSTI Z DR\u017dBY A PROVOZU BYTOV\u00c9HO DOMU<\/span><\/strong><\/span><\/p>\n<p><span style=\"color: #993366;\">Poji\u0161t\u011bn\u00ed se vztahuje na odpov\u011bdnost poji\u0161t\u011bn\u00e9ho za \u00fajmu zp\u016fsobenou v souvislosti s dr\u017ebou a provozem bytov\u00e9ho domu. <\/span><span style=\"color: #993366;\">Spolupoji\u0161t\u011bn\u00e9 jsou tak\u00e9 osoby, kter\u00fdm poji\u0161t\u011bn\u00fd sv\u011b\u0159il \u00fadr\u017ebu chodn\u00edk\u016f, schodi\u0161\u0165, chodeb a prostranstv\u00ed pat\u0159\u00edc\u00edch k nemovit\u00e9 v\u011bci, osoby pov\u011b\u0159en\u00e9 stavebn\u00edm dozorem a osoby vypom\u00e1haj\u00edc\u00ed p\u0159i v\u00fdstavb\u011b.<br \/>\n<strong><span style=\"text-decoration: underline;\"> 5.) POJI\u0160T\u011aN\u00cd ODPOV\u011aDNOSTI \u010cLEN\u016e STATUT\u00c1RN\u00cdHO ORG\u00c1NU BYTOV\u00c9HO DOMU<\/span><\/strong><\/span><\/p>\n<p><span style=\"color: #993366;\">Poji\u0161t\u011bn\u00ed se vztahuje na odpov\u011bdnost poji\u0161t\u011bn\u00e9ho za \u00fajmu zp\u016fsobenou jin\u00e9mu v souvislosti s v\u00fdkonem funkce \u010dlena statut\u00e1rn\u00edho org\u00e1nu spole\u010denstv\u00ed vlastn\u00edk\u016f nebo bytov\u00e9ho dru\u017estva.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Poji\u0161t\u011bn\u00ed majetku ob\u010dan\u016f : 1.) POJI\u0160T\u011aN\u00cd STAVEB Pojistn\u00e1 nebezpe\u010d\u00ed pro Poji\u0161t\u011bn\u00ed staveb jsou voliteln\u00e1 v tomto rozsahu\u00a0: z\u00e1kladn\u00ed (po\u017e\u00e1r; v\u00fdbuch; p\u0159\u00edm\u00fd \u00fader blesku do poji\u0161t\u011bn\u00e9 v\u011bci; p\u00e1d letadla nebo sportovn\u00edho l\u00e9taj\u00edc\u00edho za\u0159\u00edzen\u00ed nebo jeho \u010d\u00e1sti; vich\u0159ice; krupobit\u00ed) roz\u0161\u00ed\u0159en\u00fd (po\u017e\u00e1r; v\u00fdbuch; p\u0159\u00edm\u00fd \u00fader blesku do poji\u0161t\u011bn\u00e9 v\u011bci; p\u00e1d letadla nebo sportovn\u00edho l\u00e9taj\u00edc\u00edho za\u0159\u00edzen\u00ed nebo jeho \u010d\u00e1sti; [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":10,"menu_order":3,"comment_status":"open","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":["post-76","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.polakovi.info\/index.php?rest_route=\/wp\/v2\/pages\/76","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.polakovi.info\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.polakovi.info\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.polakovi.info\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.polakovi.info\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=76"}],"version-history":[{"count":53,"href":"https:\/\/www.polakovi.info\/index.php?rest_route=\/wp\/v2\/pages\/76\/revisions"}],"predecessor-version":[{"id":177,"href":"https:\/\/www.polakovi.info\/index.php?rest_route=\/wp\/v2\/pages\/76\/revisions\/177"}],"up":[{"embeddable":true,"href":"https:\/\/www.polakovi.info\/index.php?rest_route=\/wp\/v2\/pages\/10"}],"wp:attachment":[{"href":"https:\/\/www.polakovi.info\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=76"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}