{"id":1325,"date":"2023-05-22T13:22:42","date_gmt":"2023-05-22T11:22:42","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1325"},"modified":"2023-05-22T13:22:43","modified_gmt":"2023-05-22T11:22:43","slug":"jak-pojistit-sklep","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/jak-pojistit-sklep\/","title":{"rendered":"Jak pojistit v\u011bci ve sklep\u011b nebo sklepn\u00ed k\u00f3ji"},"content":{"rendered":"\n

Tolik v\u011bc\u00ed, tak m\u00e1lo \u00falo\u017en\u00e9ho prostoru! Pokud \u017eijete (stejn\u011b jako 55 % \u010cech\u016f) v panelov\u00e9m dom\u011b nebo bytovce, ur\u010dit\u011b takov\u00fd probl\u00e9m d\u016fv\u011brn\u011b zn\u00e1te. S ka\u017edou krabic\u00ed hrajeme tetris a vyu\u017e\u00edv\u00e1me na maximum nejen sk\u0159\u00edn\u011b, ale i nebytov\u00e9 prostory, kter\u00e9 k na\u0161im dom\u00e1cnostem n\u00e1le\u017e\u00ed. D\u00e1vno p\u0159itom neplat\u00ed, \u017ee do sklepa pat\u0159\u00ed jen zava\u0159ova\u010dky a sez\u00f3nn\u00ed n\u00e1\u0159ad\u00ed. Jak si pojistit v\u011bci ve sklep\u011b proti kr\u00e1de\u017ei? Porad\u00edme v\u00e1m, jak se chr\u00e1nit proti vyloupen\u00ed.<\/p>\n\n\n\n

Poji\u0161t\u011bn\u00ed sklepn\u00edch prostor jako sou\u010d\u00e1st poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/h2>\n\n\n\n

Pod pojmem nebytov\u00fd prostor si p\u0159edstavte m\u00edstnost, kter\u00e1 n\u00e1le\u017e\u00ed k va\u0161emu bytu, neslou\u017e\u00ed k bydlen\u00ed a nepat\u0159\u00ed do spole\u010dn\u00fdch prostor. Typicky jde pr\u00e1v\u011b o sklep nebo sklepn\u00ed k\u00f3ji.<\/p>\n\n\n\n

Samostatn\u00e9 sklepn\u00ed prostory lze pohodln\u011b zahrnout do poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/a>. Tak si sklep pojist\u00edte nejen proti kr\u00e1de\u017ei a vandalismu, ale i proti nenad\u00e1l\u00fdm katastrof\u00e1m jako po\u017e\u00e1r nebo z\u00e1plavy. Poji\u0161t\u011bn\u00ed se samoz\u0159ejm\u011b vztahuje na \u0161kody vznikl\u00e9 na prostoru samotn\u00e9m, stejn\u011b jako na v\u011bci v n\u011bm ulo\u017een\u00e9.<\/p>\n\n\n\n

Na co si d\u00e1t pozor p\u0159i sjedn\u00e1v\u00e1n\u00ed nov\u00e9 pojistky<\/h2>\n\n\n\n

V\u011bt\u0161ina velk\u00fdch poji\u0161\u0165oven tedy rovnou automaticky zahrnuje nebytov\u00e9 prostory do poji\u0161t\u011bn\u00ed dom\u00e1cnosti. P\u0159esto se vyplat\u00ed si podm\u00ednky p\u0159i sjedn\u00e1v\u00e1n\u00ed pojistky ov\u011b\u0159it, abyste m\u011bli jasnou p\u0159edstavu o podm\u00ednk\u00e1ch i v\u00fd\u0161i pojistn\u00fdch limit\u016f. Pln\u011bn\u00ed se vyjad\u0159uje v procentech (typicky jde o 2 a\u017e 5 % hodnoty poji\u0161t\u011bn\u00e9 dom\u00e1cnosti) i absolutn\u00edm limitem (nap\u0159. 300 tis\u00edc K\u010d).<\/p>\n\n\n\n

Podm\u00ednky pro poji\u0161t\u011bn\u00ed sklepn\u00edch k\u00f3j\u00ed a sklep\u016f<\/h2>\n\n\n\n

Pokud chcete sklepn\u00ed prostor pojistit, mus\u00edte spl\u0148ovat t\u0159i podm\u00ednky:<\/p>\n\n\n\n

    \n
  1. jste jedin\u00fd a v\u00fdhradn\u00ed vlastn\u00edk prostoru (nem\u016f\u017ee se jednat o spole\u010dn\u00e9 prostory, ke kter\u00fdm m\u00e1 p\u0159\u00edstup cel\u00e1 \u0159ada lid\u00ed, jako nap\u0159. ko\u010d\u00e1rk\u00e1rna)<\/li>\n\n\n\n
  2. sklep nebo sklepn\u00ed k\u00f3je je uzamykateln\u00e1 a m\u00e1 dostate\u010dnou \u00farove\u0148 zabezpe\u010den\u00ed (pokud disponuje jen petlic\u00ed nebo oby\u010dejn\u00fdm visac\u00edm z\u00e1mkem, prom\u00edtne se to i do v\u00fd\u0161e pojistn\u00fdch limit\u016f)<\/li>\n\n\n\n
  3. sklep se nach\u00e1z\u00ed v budov\u011b jako poji\u0161t\u011bn\u00fd byt nebo na pozemku p\u0159\u00edslu\u0161ej\u00edc\u00edm k t\u00e9to budov\u011b (pokud je sklep na jin\u00e9m pozemku, je pot\u0159eba to explicitn\u011b specifikovat ve smlouv\u011b)<\/li>\n<\/ol>\n\n\n\n
    \n
    Spo\u010d\u00edtat cenu poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n\n\n\n

    <\/p>\n\n\n\n

    V\u00fd\u0161e n\u00e1hrady \u0161kody se v\u017edy odv\u00edj\u00ed od \u00farovn\u011b zabezpe\u010den\u00ed. Pokud m\u00e1te k dispozici letitou d\u0159ev\u011bnou k\u00f3ji, zva\u017ete, jestli ji nenahradit nov\u011bj\u0161\u00ed kovovou obdobou (u\u017e jen proto, \u017ee do n\u00ed nen\u00ed vid\u011bt a nep\u016fsob\u00ed tak na nenechavce jako vizu\u00e1ln\u00ed magnet). Vy\u0161\u0161\u00ed po\u0159izovac\u00ed cena se v\u00e1m vr\u00e1t\u00ed v podob\u011b v\u011bt\u0161\u00edho pocitu bezpe\u010d\u00ed<\/strong>. P\u0159i revitalizaci sklepn\u00edch k\u00f3j\u00ed by m\u011bla bezpe\u010dnost v\u017edy hr\u00e1t prim.<\/p>\n\n\n\n

    Jak spr\u00e1vn\u011b zabezpe\u010dit sklepn\u00ed k\u00f3ji<\/h2>\n\n\n\n

    M\u00e1te sklep pln\u00fd cennost\u00ed i platnou pojistku? Nezapome\u0148te sklepn\u00ed k\u00f3ji kvalitn\u011b zabezpe\u010dit. Zkuste se soust\u0159edit na t\u0159i body:<\/p>\n\n\n\n

      \n
    1. Kvalitn\u00ed z\u00e1mek do spole\u010dn\u00fdch prostor. <\/strong>Pokud m\u016f\u017eete ovlivnit majitele nebo spr\u00e1vce domu, vysv\u011btlete mu, \u017ee na zabezpe\u010den\u00ed nem\u00e1 cenu \u0161et\u0159it.<\/li>\n\n\n\n
    2. Zabezpe\u010dte tak\u00e9 v\u011bci zam\u010den\u00e9 ve sklep\u011b. <\/strong>Schov\u00e1v\u00e1te ve sklep\u011b j\u00edzdn\u00ed kolo? Nebu\u010fte l\u00edn\u00ed pou\u017e\u00edt z\u00e1mek na kolo i uvnit\u0159 sklepa. \u010c\u00edm v\u00edc to zlod\u011bj\u016fm zkomplikujete, t\u00edm ochotn\u011bji v\u00e1s poji\u0161\u0165ovna od\u0161kodn\u00ed. I objemn\u011bj\u0161\u00ed v\u011bci dok\u00e1\u017eete p\u0159ipevnit k podlaze nebo st\u011bn\u011b. Zkuste si po\u0159\u00eddit tzv. safety box s lankem nebo \u0159et\u011bzem. Pr\u016fm\u011brn\u011b vybaven\u00e9mu lupi\u010di tak misi p\u0159ekaz\u00edte.<\/li>\n\n\n\n
    3. Ned\u011blejte ze sklepa v\u00fdkladn\u00ed sk\u0159\u00ed\u0148. <\/strong>Cenn\u011bj\u0161\u00ed v\u011bci zkuste \u201czamaskovat\u201d starou dekou. Pokud do k\u00f3je vede ok\u00e9nko z ulice, zakryjte ho, zlod\u011bji jsou nezvykle v\u0161\u00edmav\u00ed. <\/li>\n<\/ol>\n\n\n\n
      \n
      Spo\u010d\u00edtat poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

      Tolik v\u011bc\u00ed, tak m\u00e1lo \u00falo\u017en\u00e9ho prostoru! Pokud \u017eijete v panelov\u00e9m dom\u011b nebo bytovce, ur\u010dit\u011b takov\u00fd probl\u00e9m d\u016fv\u011brn\u011b zn\u00e1te. Vyu\u017e\u00edv\u00e1me na maximum nejen sk\u0159\u00edn\u011b, ale i nebytov\u00e9 prostory, kter\u00e9 k na\u0161im dom\u00e1cnostem pat\u0159\u00ed. Jak si pojistit v\u011bci ve sklep\u011b proti kr\u00e1de\u017ei? Porad\u00edme v\u00e1m, jak se chr\u00e1nit proti vyloupen\u00ed<\/p>\n","protected":false},"author":6,"featured_media":1327,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[9,7],"tags":[51],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1325"}],"collection":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=1325"}],"version-history":[{"count":1,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1325\/revisions"}],"predecessor-version":[{"id":1326,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1325\/revisions\/1326"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/1327"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=1325"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=1325"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=1325"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}