{"id":5794,"date":"2024-11-12T10:45:46","date_gmt":"2024-11-12T09:45:46","guid":{"rendered":"https:\/\/www.insuranceandsaving.com\/?p=5794"},"modified":"2024-11-12T12:06:14","modified_gmt":"2024-11-12T11:06:14","slug":"usetrete-az-100-eur-na-pojisteni-domacnosti","status":"publish","type":"post","link":"https:\/\/www.insuranceandsaving.com\/cs\/usetrete-az-100-eur-na-pojisteni-domacnosti\/","title":{"rendered":"U\u0161et\u0159ete a\u017e 100 eur na poji\u0161t\u011bn\u00ed dom\u00e1cnosti"},"content":{"rendered":"<div class=\"et_pb_module et_pb_post_content et_pb_post_content_0_tb_body\">\n<p>Jedn\u00edm z v\u00fddaj\u016f, kter\u00e9 maj\u00ed t\u00e9m\u011b\u0159 v\u0161echny dom\u00e1cnosti, je poji\u0161t\u011bn\u00ed dom\u00e1cnosti. V posledn\u00edch letech to docela stouplo, a proto jsme se rozhodli ud\u011blat tento \u010dl\u00e1nek. Hlavn\u00edm c\u00edlem je, abyste m\u011bli pot\u0159ebn\u00e9 kl\u00ed\u010de k tomu, abyste mohli vyu\u017e\u00edvat v\u00fdhod poji\u0161t\u011bn\u00ed, ani\u017e byste za n\u011bj museli p\u0159\u00edli\u0161 platit, a u\u0161et\u0159ili tak pen\u00edze doma .<\/p>\n<p>&nbsp;<\/p>\n<picture class=\"aligncenter wp-image-2325 size-full\" title=\"poji\u0161t\u011bn\u00ed dom\u00e1cnosti\"><source srcset=\"https:\/\/www-insuranceandsaving-com.translate.goog\/wp-content\/uploads\/2023\/01\/seguro-de-hogar_s.jpg.webp?_x_tr_sl=es&amp;_x_tr_tl=cs&amp;_x_tr_hl=es&amp;_x_tr_pto=wapp\" type=\"image\/webp\" \/><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.insuranceandsaving.com\/wp-content\/uploads\/2023\/01\/seguro-de-hogar_s.jpg\" alt=\"poji\u0161t\u011bn\u00ed dom\u00e1cnosti\" width=\"848\" height=\"565\" \/> <\/picture>\n<h1><span id=\"Consejos_para_ahorrar_dinero_en_tu_seguro_de_hogar\"><b>Tipy, jak u\u0161et\u0159it pen\u00edze na poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/b><\/span><\/h1>\n<p>S triky, jak u\u0161et\u0159it pen\u00edze na poji\u0161t\u011bn\u00ed dom\u00e1cnosti, kter\u00e9 p\u0159edstavujeme v tomto \u010dl\u00e1nku, si m\u016f\u017eete b\u00fdt jisti, \u017ee jeho n\u00e1klady pro v\u00e1s budou mnohem ni\u017e\u0161\u00ed, ani\u017e byste ztratili kryt\u00ed.<\/p>\n<h2><span id=\"1-_Contrata_solo_continente_en_los_alquileres\"><b>1- Pron\u00e1jem pouze kontinentu v pron\u00e1jmech<\/b><\/span><\/h2>\n<p>Pronajat\u00e9 domy mus\u00ed m\u00edt poji\u0161t\u011bn\u00ed dom\u00e1cnosti jako vlastn\u00edci nemovitosti. Nen\u00ed to povinn\u00e9, ale pom\u016f\u017ee v\u00e1m to m\u00edt jistotu, kterou tento typ poji\u0161t\u011bn\u00ed nab\u00edz\u00ed.<\/p>\n<ul>\n<li aria-level=\"1\">Pokud vlastn\u00edte neza\u0159\u00edzen\u00fd n\u00e1jemn\u00ed byt, nejlep\u0161\u00ed, co m\u016f\u017eete ud\u011blat, je uzav\u0159\u00edt poji\u0161t\u011bn\u00ed pouze pro kontinent. Bude to mnohem levn\u011bj\u0161\u00ed a nebudete platit v\u00edc za n\u011bco, co nem\u00e1te.<\/li>\n<li aria-level=\"1\">Poji\u0161t\u011bn\u00ed kontinentu v\u00e1m bude kr\u00fdt z\u00e1da pro p\u0159\u00edpad, \u017ee by se s domovem n\u011bco stalo. Je to sekce, kter\u00e1 se bude t\u00fdkat toho, co v\u00e1s skute\u010dn\u011b zaj\u00edm\u00e1, tak\u017ee m\u016f\u017eete potvrdit, \u017ee je va\u0161e dom\u00e1cnost poji\u0161t\u011bna.<\/li>\n<li aria-level=\"1\">Pron\u00e1jem bydlen\u00ed s t\u00edmto typem poji\u0161t\u011bn\u00ed je v\u017edy jednodu\u0161\u0161\u00ed, ne\u017e kdy\u017e d\u016fm poji\u0161t\u011bn\u00fd nen\u00ed.<\/li>\n<\/ul>\n<h2><span id=\"2-_Ajusta_el_valor_del_continente\"><b>2- Upravte hodnotu kontinentu<\/b><\/span><\/h2>\n<p>Velmi \u010dastou chybou p\u0159i n\u00e1kupu poji\u0161t\u011bn\u00ed dom\u00e1cnosti je n\u00e1kup mnohem vy\u0161\u0161\u00ed sazby, ne\u017e je skute\u010dn\u00e1 hodnota. D\u00edky tomu jsou ro\u010dn\u00ed n\u00e1klady na pojistku vy\u0161\u0161\u00ed, ne\u017e by m\u011bly b\u00fdt.<\/p>\n<ul>\n<li aria-level=\"1\">Abychom nemuseli platit v\u00edce, mus\u00edme v\u017edy zajistit aktu\u00e1ln\u00ed hodnotu domu na trhu, nikoli skute\u010dnou hodnotu stavby. Je to jako kdy\u017e \u017e\u00e1d\u00e1me o osobn\u00ed p\u016fj\u010dku , mus\u00edme v\u017edy \u017e\u00e1dat o to, co n\u00e1s skute\u010dn\u011b zaj\u00edm\u00e1.<\/li>\n<li aria-level=\"1\">M\u011bli byste v\u011bd\u011bt, \u017ee v p\u0159\u00edpad\u011b hav\u00e1rie v\u00e1m poji\u0161\u0165ovna zaplat\u00ed pouze n\u00e1klady na rekonstrukci, nikoli hodnotu domu.<\/li>\n<li aria-level=\"1\">V\u017edy mus\u00edte upravit hodnotu kontinentu na maximum, abyste platili jen to, co je spravedliv\u00e9.<\/li>\n<\/ul>\n<h2><span id=\"3-_Piensa_en_el_seguro_comunitario\"><b>3- P\u0159em\u00fd\u0161lejte o komunitn\u00edm poji\u0161t\u011bn\u00ed<\/b><\/span><\/h2>\n<p>V\u0161echny sousedsk\u00e9 komunity maj\u00ed komunitn\u00ed poji\u0161t\u011bn\u00ed. Plat\u00ed se m\u011bs\u00ed\u010dn\u00edm poplatkem a pokr\u00fdv\u00e1 \u0159adu kryt\u00ed.<\/p>\n<ul>\n<li aria-level=\"1\">Je d\u016fle\u017eit\u00e9 d\u016fkladn\u011b analyzovat komunitn\u00ed poji\u0161t\u011bn\u00ed, abyste zkontrolovali kryt\u00ed, kter\u00e9 pokr\u00fdv\u00e1.<\/li>\n<li aria-level=\"1\">N\u011bkdy se komunitn\u00ed poji\u0161t\u011bn\u00ed vztahuje na v\u011bci v na\u0161em dom\u011b. V takov\u00e9m p\u0159\u00edpad\u011b je lep\u0161\u00ed je odstranit, abychom za poji\u0161t\u011bn\u00ed dom\u00e1cnosti platili m\u00e9n\u011b. Je hloup\u00e9 platit za stejn\u00e9 kryt\u00ed dvakr\u00e1t.<\/li>\n<\/ul>\n<h2><span id=\"4-_Algunas_reformas_te_haran_pagar_menos_en_el_seguro_de_hogar\"><b>4- N\u011bkter\u00e9 reformy v\u00e1m umo\u017en\u00ed platit m\u00e9n\u011b za poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/b><\/span><\/h2>\n<p>N\u011bkter\u00e9 triky, jak u\u0161et\u0159it pen\u00edze, jsou drobn\u00e9 renovace. Pokud provedete spr\u00e1vn\u00e9 rekonstrukce, budete moci sv\u016fj domov vylep\u0161it a p\u0159edev\u0161\u00edm sn\u00ed\u017eit ro\u010dn\u00ed poplatek za poji\u0161t\u011bn\u00ed dom\u00e1cnosti.<\/p>\n<ul>\n<li aria-level=\"1\">Pr\u00e1ce na zlep\u0161en\u00ed veden\u00ed vody a elektrick\u00fdch syst\u00e9m\u016f sni\u017euj\u00ed riziko nehod. Pojistn\u00edci to v\u011bd\u00ed a umo\u017e\u0148uje to mnohem ni\u017e\u0161\u00ed n\u00e1klady.<\/li>\n<li aria-level=\"1\">Nej\u00fa\u010dinn\u011bj\u0161\u00ed a nov\u00e9 syst\u00e9my v\u017edy pom\u00e1haj\u00ed udr\u017eet dom\u00e1c\u00ed politiku na ni\u017e\u0161\u00ed \u00farovni.<\/li>\n<li aria-level=\"1\">Kdy\u017e dojde ke zlep\u0161en\u00ed, mus\u00ed se v\u017edy p\u0159en\u00e9st do poji\u0161t\u011bn\u00ed, aby mohli sn\u00ed\u017eit \u010d\u00e1stku.<\/li>\n<\/ul>\n<h2><span id=\"5-_Compara_entre_seguros_de_hogar\"><b>5- Porovnejte poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/b><\/span><\/h2>\n<p>Bezpochyby, pokud chcete na poji\u0161t\u011bn\u00ed dom\u00e1cnosti skute\u010dn\u011b u\u0161et\u0159it, ka\u017ed\u00fd rok budete muset prov\u00e9st srovn\u00e1n\u00ed, abyste vybrali tu nejlep\u0161\u00ed variantu.<\/p>\n<ul>\n<li aria-level=\"1\">Je d\u016fle\u017eit\u00e9 ka\u017ed\u00fd rok porovn\u00e1vat, abyste na\u0161li poji\u0161t\u011bn\u00ed, kter\u00e9 nejl\u00e9pe vyhovuje va\u0161im podm\u00ednk\u00e1m z hlediska kvality a ceny.<\/li>\n<li aria-level=\"1\">P\u0159i porovn\u00e1v\u00e1n\u00ed byste se nem\u011bli d\u00edvat pouze na jm\u00e9no pojistitele a cenu, m\u011bli byste v\u011bnovat pozornost tak\u00e9 kryt\u00ed, kter\u00e9 si chcete pronajmout.<\/li>\n<li aria-level=\"1\">Pojistka by m\u011bla b\u00fdt v\u017edy doprov\u00e1zena kryt\u00edm a hodnotou, kterou skute\u010dn\u011b chcete pokr\u00fdt. Poji\u0161t\u011bn\u00ed by se m\u011blo co nejv\u00edce p\u0159izp\u016fsobit va\u0161im pot\u0159eb\u00e1m.<\/li>\n<li aria-level=\"1\">M\u00e1te-li pochybnosti, obra\u0165te se na agenta, aby v\u00e1m to podrobn\u011b vysv\u011btlil a mohli potvrdit, \u017ee je to skute\u010dn\u011b to, co hled\u00e1te.<\/li>\n<\/ul>\n<h2><span id=\"6-_Presta_atencion_a_los_pequenos_detalles\"><b>6- V\u011bnujte pozornost mal\u00fdm detail\u016fm<\/b><\/span><\/h2>\n<p>Naj\u00edt levn\u011bj\u0161\u00ed poji\u0161t\u011bn\u00ed neb\u00fdv\u00e1 slo\u017eit\u00e9, zvl\u00e1\u0161t\u011b nyn\u00ed, kdy byla zavedena politika \u00fa\u010dtovat v\u00edce star\u00fdm klient\u016fm ne\u017e nov\u00fdm. D\u00edky tomu je ka\u017edoro\u010dn\u00ed zm\u011bna poji\u0161\u0165ovny levn\u011bj\u0161\u00ed. P\u0159i prov\u00e1d\u011bn\u00ed zm\u011bn je v\u0161ak d\u016fle\u017eit\u00e9 v\u011bnovat pozornost mal\u00fdm detail\u016fm.<\/p>\n<ul>\n<li aria-level=\"1\">P\u0159i sjedn\u00e1v\u00e1n\u00ed poji\u0161t\u011bn\u00ed mus\u00edte v\u017edy uv\u00e9st pot\u0159ebn\u00e9 informace, aby se poji\u0161t\u011bn\u00ed p\u0159izp\u016fsobilo tomu, co skute\u010dn\u011b pot\u0159ebujete.<\/li>\n<li aria-level=\"1\">Je d\u016fle\u017eit\u00e9 \u010d\u00edst drobn\u00e9 p\u00edsmo, abyste p\u0159ede\u0161li p\u0159\u00edpadn\u00fdm nep\u0159\u00edjemnostem. Jak jsme ji\u017e zm\u00ednili, v p\u0159\u00edpad\u011b dotaz\u016f budete m\u00edt v\u017edy mo\u017enost po\u017e\u00e1dat o pomoc z\u00e1kaznick\u00fd servis.<\/li>\n<\/ul>\n<picture class=\"aligncenter wp-image-2333 size-full\" title=\"poji\u0161t\u011bn\u00ed dom\u00e1cnosti\"><source srcset=\"https:\/\/www-insuranceandsaving-com.translate.goog\/wp-content\/uploads\/2023\/01\/seguro-de-hogar_s1.jpg.webp?_x_tr_sl=es&amp;_x_tr_tl=cs&amp;_x_tr_hl=es&amp;_x_tr_pto=wapp\" type=\"image\/webp\" \/><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.insuranceandsaving.com\/wp-content\/uploads\/2023\/01\/seguro-de-hogar_s1.jpg\" alt=\"poji\u0161t\u011bn\u00ed dom\u00e1cnosti\" width=\"923\" height=\"519\" \/> <\/picture>\n<p>Pokud p\u0159isp\u011bjete a uvedete do praxe rady, kter\u00e9 jsme v\u00e1m uk\u00e1zali, m\u016f\u017eete si b\u00fdt jisti, \u017ee levn\u011bj\u0161\u00ed poji\u0161t\u011bn\u00ed dom\u00e1cnosti najdete snadno . D\u016fle\u017eit\u00e9 je, \u017ee se nespokoj\u00edte s t\u00edm, co m\u00e1te, m\u011bli byste st\u00e1le hledat nov\u00e9 mo\u017enosti, jak u\u0161et\u0159it.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Jedn\u00edm z v\u00fddaj\u016f, kter\u00e9 maj\u00ed t\u00e9m\u011b\u0159 v\u0161echny dom\u00e1cnosti, je poji\u0161t\u011bn\u00ed dom\u00e1cnosti. V posledn\u00edch letech to docela stouplo, a proto jsme se rozhodli ud\u011blat tento \u010dl\u00e1nek. Hlavn\u00edm c\u00edlem je, abyste m\u011bli pot\u0159ebn\u00e9 kl\u00ed\u010de k tomu, abyste mohli vyu\u017e\u00edvat v\u00fdhod poji\u0161t\u011bn\u00ed, ani\u017e byste za n\u011bj museli p\u0159\u00edli\u0161 platit, a u\u0161et\u0159ili tak pen\u00edze doma . &nbsp; Tipy, jak [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":4156,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[67],"tags":[],"class_list":["post-5794","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni"],"_links":{"self":[{"href":"https:\/\/www.insuranceandsaving.com\/cs\/wp-json\/wp\/v2\/posts\/5794","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insuranceandsaving.com\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insuranceandsaving.com\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insuranceandsaving.com\/cs\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insuranceandsaving.com\/cs\/wp-json\/wp\/v2\/comments?post=5794"}],"version-history":[{"count":2,"href":"https:\/\/www.insuranceandsaving.com\/cs\/wp-json\/wp\/v2\/posts\/5794\/revisions"}],"predecessor-version":[{"id":5797,"href":"https:\/\/www.insuranceandsaving.com\/cs\/wp-json\/wp\/v2\/posts\/5794\/revisions\/5797"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.insuranceandsaving.com\/cs\/wp-json\/wp\/v2\/media\/4156"}],"wp:attachment":[{"href":"https:\/\/www.insuranceandsaving.com\/cs\/wp-json\/wp\/v2\/media?parent=5794"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insuranceandsaving.com\/cs\/wp-json\/wp\/v2\/categories?post=5794"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insuranceandsaving.com\/cs\/wp-json\/wp\/v2\/tags?post=5794"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}