{"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":"2026-11-06T14:57:35","modified_gmt":"2026-11-06T13:57:35","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<p class=\"wp-block-paragraph\"><em>Posledn\u00ed aktualizace: 31 .10. 2026<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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<h2 class=\"wp-block-heading\">Poji\u0161t\u011bn\u00ed sklepn\u00edch prostor jako sou\u010d\u00e1st poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Poji\u0161t\u011bn\u00ed dom\u00e1cnosti obecn\u011b chr\u00e1n\u00ed jak vybaven\u00ed va\u0161\u00ed dom\u00e1cnosti, tak i nebytov\u00fdch prostor\u016f. 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<p class=\"wp-block-paragraph\">Samostatn\u00e9 sklepn\u00ed prostory lze zahrnout do <a href=\"https:\/\/www.rixo.cz\/pojisteni-majetku\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/pojisteni-majetku\/\">poji\u0161t\u011bn\u00ed majetku<\/a>, tedy jak do poji\u0161t\u011bn\u00ed nemovitosti, tak i dom\u00e1cnosti. Tak si sklep pojist\u00edte nejen proti kr\u00e1de\u017ei a vandalismu, ale i proti nenad\u00e1l\u00fdm katastrof\u00e1m, jako je po\u017e\u00e1r nebo z\u00e1plava. Poji\u0161t\u011bn\u00ed se pak bude vztahovat na \u0161kody vznikl\u00e9 na prostoru samotn\u00e9m (nemovitost), stejn\u011b jako na v\u011bci v n\u011bm ulo\u017een\u00e9 (dom\u00e1cnost).<\/p>\n\n\n\n<iframe loading=\"lazy\" height=\"350\" width=\"400\" frameborder=\"0\" style=\"margin-left: auto;margin-right: auto;display: block;\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/forms\/property-insurance-form\/\"><\/iframe>\n\n\n\n<h2 class=\"wp-block-heading\">Na co si d\u00e1t pozor p\u0159i sjedn\u00e1v\u00e1n\u00ed nov\u00e9ho poji\u0161t\u011bn\u00ed<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">V\u011bt\u0161ina velk\u00fdch poji\u0161\u0165oven 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 limit\u016f pln\u011bn\u00ed. <a href=\"https:\/\/www.rixo.cz\/slovnik\/limit-plneni\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/slovnik\/limit-plneni\/\">Limit pln\u011bn\u00ed<\/a> 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. 300 000 K\u010d).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Podm\u00ednky pro poji\u0161t\u011bn\u00ed sklepn\u00edch k\u00f3j\u00ed a sklep\u016f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud chcete sklepn\u00ed prostor pojistit, mus\u00edte spl\u0148ovat t\u0159i podm\u00ednky:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>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<li>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 maxim\u00e1ln\u00edho pln\u011bn\u00ed),<\/li>\n\n\n\n<li>sklep se nach\u00e1z\u00ed v t\u00e9 sam\u00e9 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 tuto skute\u010dnost specifikovat ve smlouv\u011b).<\/li>\n<\/ol>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.rixo.cz\/pojisteni-majetku\/\" style=\"background-color:#1aaf5e\">Spo\u010d\u00edtat cenu poji\u0161t\u011bn\u00ed majetku<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00fd\u0161e n\u00e1hrady \u0161kody se v\u017edy odv\u00edj\u00ed od \u00farovn\u011b zabezpe\u010den\u00ed. Pokud je\u0161t\u011b adekv\u00e1tn\u00ed zabezpe\u010den\u00ed nem\u00e1te, zamyslete se nad n\u00edm. <strong>Investice se v\u00e1m vr\u00e1t\u00ed v podob\u011b v\u011bt\u0161\u00edho pocitu bezpe\u010d\u00ed<\/strong>. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak spr\u00e1vn\u011b zabezpe\u010dit sklepn\u00ed k\u00f3ji<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00e1te sklep pln\u00fd drah\u00fdch v\u011bc\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<ol class=\"wp-block-list\">\n<li><strong>Kvalitn\u00ed z\u00e1mek do spole\u010dn\u00fdch prostor i na k\u00f3ji. <\/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<li><strong>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<li><strong>Ned\u011blejte ze sklepa v\u00fdkladn\u00ed sk\u0159\u00ed\u0148. <\/strong>Cenn\u011bj\u0161\u00ed v\u011bci zkuste \u201czamaskovat\u201d starou dekou. Pokud je do k\u00f3je vid\u011bt ok\u00e9nkem z ulice, zakryjte ho, zlod\u011bji jsou nezvykle v\u0161\u00edmav\u00ed.\u00a0<\/li>\n<\/ol>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.rixo.cz\/pojisteni-domacnosti\/\" style=\"background-color:#ff8500\">Spo\u010d\u00edtat poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:14px\"><em>Garant \u010dl\u00e1nku: <a href=\"https:\/\/www.linkedin.com\/in\/luk%C3%A1%C5%A1-plach%C3%BD-a58254143\/\" data-type=\"link\" data-id=\"https:\/\/www.linkedin.com\/in\/luk%C3%A1%C5%A1-plach%C3%BD-a58254143\/\" target=\"_blank\" rel=\"noopener\">Luk\u00e1\u0161 Plach\u00fd<\/a>, mana\u017eer \u017eivotn\u00edho a ne\u017eivotn\u00edho poji\u0161t\u011bn\u00ed RIXO.cz, zprost\u0159edkovatel poji\u0161t\u011bn\u00ed dle z\u00e1kona o distribuci poji\u0161t\u011bn\u00ed a zaji\u0161t\u011bn\u00ed, zapsan\u00fd do registru zprost\u0159edkovatel\u016f \u010cesk\u00e9 n\u00e1rodn\u00ed banky&nbsp;&nbsp;<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>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":11,"featured_media":1327,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,9],"tags":[51],"class_list":["post-1325","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","category-majetek","tag-pojisteni-majetku"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1325","targetHints":{"allow":["GET"]}}],"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\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=1325"}],"version-history":[{"count":2,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1325\/revisions"}],"predecessor-version":[{"id":4780,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1325\/revisions\/4780"}],"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}]}}