{"id":3415,"date":"2025-07-03T10:38:26","date_gmt":"2025-07-03T08:38:26","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=3415"},"modified":"2025-07-03T10:38:33","modified_gmt":"2025-07-03T08:38:33","slug":"pojisteni-chaty-a-chalupy","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/pojisteni-chaty-a-chalupy\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed chaty a chalupy"},"content":{"rendered":"\n<p>V\u00edkendov\u00fd relax na chalup\u011b p\u0159edstavuje ide\u00e1l pro v\u011bt\u0161inu \u010cech\u016f. M\u00edsto proch\u00e1zek p\u0159\u00edrodou a opalov\u00e1n\u00ed u rybn\u00edka v\u00e1s ale p\u0159i dal\u0161\u00ed n\u00e1v\u0161t\u011bv\u011b m\u016f\u017ee p\u0159epadnout stres, kolik pen\u011bz vyd\u00e1te na opravu chaty po zimn\u00edch mrazech nebo n\u00e1v\u0161t\u011bv\u011b zlod\u011bj\u016f. Aby se z vlastnictv\u00ed chaty m\u00edsto radosti nestala starost, je pot\u0159eba tak\u00e9 myslet na kvalitn\u00ed poji\u0161t\u011bn\u00ed.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Co se v \u010dl\u00e1nku dozv\u00edte?<\/h2><nav><ul><li class=\"\"><a href=\"#proc-je-pojisteni-chaty-a-chalupy-dulezite\">Pro\u010d je poji\u0161t\u011bn\u00ed chaty a chalupy d\u016fle\u017eit\u00e9?\u00a0<\/a><\/li><li class=\"\"><a href=\"#jak-na-pojisteni-chaty-a-chalupy\">Jak na poji\u0161t\u011bn\u00ed chaty a chalupy?<\/a><ul><li class=\"\"><a href=\"#pojisteni-nemovitosti\">Poji\u0161t\u011bn\u00ed nemovitosti<\/a><\/li><li class=\"\"><a href=\"#pojisteni-domacnosti\">Poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/a><\/li><li class=\"\"><a href=\"#pojisteni-odpovednosti-z-vlastnictvi-nemovitosti\">Poji\u0161t\u011bn\u00ed odpov\u011bdnosti z vlastnictv\u00ed nemovitosti<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#jak-pojisteni-chaty-a-chalupy-vybrat-a-na-co-si-dat-pozor\">Jak poji\u0161t\u011bn\u00ed chaty a chalupy vybrat a na co si d\u00e1t pozor?<\/a><\/li><li class=\"\"><a href=\"#cena-pojisteni-chaty-a-chalupy\">Cena poji\u0161t\u011bn\u00ed chaty a chalupy<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"proc-je-pojisteni-chaty-a-chalupy-dulezite\">Pro\u010d je poji\u0161t\u011bn\u00ed chaty a chalupy d\u016fle\u017eit\u00e9?&nbsp;<\/h2>\n\n\n\n<p>Va\u0161e letn\u00ed s\u00eddlo sice nemus\u00ed m\u00edt hodnotu v \u0159\u00e1du milion\u016f korun, ale ka\u017ed\u00e1 investice do \u00fadr\u017eby nebo oprav chaty a chalupy a jej\u00edho vybaven\u00ed p\u0159esto m\u016f\u017ee zabolet. A to zvl\u00e1\u0161t\u011b v p\u0159\u00edpad\u011b, \u017ee se va\u0161e chata stane ob\u011bt\u00ed p\u0159\u00edrodn\u00ed katastrofy nebo t\u0159eba nezvan\u00fdch \u201dhleda\u010d\u016f pokladu\u201d.&nbsp;<\/p>\n\n\n\n<p>Chaty a chalupy v\u011bt\u0161inou majitel\u00e9<strong> nemaj\u00ed v\u011bt\u0161inu \u010dasu pod kontrolou<\/strong> a \u010d\u00edm m\u00e9n\u011b jej\u00ed stav kontrolujete, t\u00edm v\u00edce hroz\u00ed riziko, \u017ee budete p\u0159i jejich dal\u0161\u00ed n\u00e1v\u0161t\u011bv\u011b nep\u0159\u00edjemn\u011b p\u0159ekvapeni. Zvl\u00e1\u0161t\u011b<strong> v odlehl\u00fdch oblastech <\/strong>r\u00e1di vykr\u00e1daj\u00ed chaty lupi\u010di, kte\u0159\u00ed moc dob\u0159e v\u00ed, \u017ee se na jejich \u0159\u00e1d\u011bn\u00ed p\u0159ijde p\u0159\u00edli\u0161 pozd\u011b a p\u0159i \u010dinu je tak\u0159ka nikdy nikdo nechyt\u00ed.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-na-pojisteni-chaty-a-chalupy\">Jak na poji\u0161t\u011bn\u00ed chaty a chalupy?<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed va\u0161\u00ed chaty a chalupy by m\u011blo obsahovat jak <strong>poji\u0161t\u011bn\u00ed samotn\u00e9 stavby<\/strong> (tedy <a href=\"https:\/\/www.rixo.cz\/pojisteni-nemovitosti\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/pojisteni-nemovitosti\/\">poji\u0161t\u011bn\u00ed nemovitosti<\/a>), tak i <strong>poji\u0161t\u011bn\u00ed vnit\u0159n\u00edho vybaven\u00ed<\/strong> (<a href=\"https:\/\/www.rixo.cz\/pojisteni-domacnosti\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/pojisteni-domacnosti\/\">poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/a>) a vhodn\u00e9 je doplnit poji\u0161t\u011bn\u00ed i o<strong> odpov\u011bdnost z vlastnictv\u00ed nemovitosti<\/strong>. V\u0161echna tato poji\u0161t\u011bn\u00ed m\u016f\u017eete m\u00edt spojen\u00e1 <strong>do jedn\u00e9 smlouvy<\/strong>. Ale p\u011bkn\u011b popo\u0159\u00e1dku &#8211; k \u010demu vlastn\u011b tato t\u0159i poji\u0161t\u011bn\u00ed slou\u017e\u00ed?&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"pojisteni-nemovitosti\">Poji\u0161t\u011bn\u00ed nemovitosti<\/h3>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed nemovitosti chr\u00e1n\u00ed <strong>samotnou stavbu, tedy zdi, st\u0159echu, okna a dal\u0161\u00ed pevn\u00e9 sou\u010d\u00e1sti <\/strong>chaty \u010di chalupy v\u010detn\u011b <strong>rozvod\u016f vody \u010di elektroinstalace<\/strong>. V p\u0159\u00edpad\u011b \u0161kody zp\u016fsoben\u00e9 nap\u0159\u00edklad vandalismem, po\u017e\u00e1rem, vich\u0159ic\u00ed, sesuvu sn\u011bhu, krupobit\u00edm nebo povodn\u00ed v\u00e1m poji\u0161\u0165ovna uhrad\u00ed n\u00e1klady<strong> na opravu, rekonstrukci, <\/strong>p\u0159\u00edpadn\u011b n\u00e1kup \u010di stavbu jin\u00e9 <strong>nemovitosti srovnateln\u00e9 hodnoty<\/strong>, pokud by do\u0161lo k jej\u00edmu \u00fapln\u00e9mu zni\u010den\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"pojisteni-domacnosti\">Poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/h3>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed dom\u00e1cnosti narozd\u00edl od nemovitosti <strong>chr\u00e1n\u00ed movit\u00e9 v\u011bci<\/strong>, tedy vnit\u0159n\u00ed <strong>vybaven\u00ed <\/strong>chaty nebo chalupy. Sem spad\u00e1 nap\u0159\u00edklad <strong>n\u00e1bytek, elektronika, sportovn\u00ed vybaven\u00ed<\/strong> nebo va\u0161e <strong>osobn\u00ed v\u011bci<\/strong>. Pojistka v\u00e1m pom\u016f\u017ee nahradit \u0161kody na <strong>zni\u010den\u00fdch a po\u0161kozen\u00fdch <\/strong>v\u011bcech v d\u016fsledku \u017eivotn\u00ed pohromy \u010di vandalismu a tak\u00e9 pokryje <strong>odcizen\u00ed v\u011bc\u00ed<\/strong> p\u0159i kr\u00e1de\u017ei.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"pojisteni-odpovednosti-z-vlastnictvi-nemovitosti\">Poji\u0161t\u011bn\u00ed odpov\u011bdnosti z vlastnictv\u00ed nemovitosti<\/h3>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti p\u0159ijde vhod ve chv\u00edli, kdy n\u011bkomu zp\u016fsob\u00edte <strong>\u00fajmu na zdrav\u00ed \u010di \u0161kodu na majetku <\/strong>v souvislosti s vlastnictv\u00edm va\u0161\u00ed chaty. M\u016f\u017ee j\u00edt nap\u0159\u00edklad o <strong>roz\u0161\u00ed\u0159en\u00ed po\u017e\u00e1ru z va\u0161\u00ed chaty <\/strong>na ciz\u00ed nemovitost nebo<strong> p\u00e1d stromu ze zahrady<\/strong> na n\u011b\u010d\u00ed auto \u010di dokonce \u010dlov\u011bka.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-pojisteni-chaty-a-chalupy-vybrat-a-na-co-si-dat-pozor\">Jak poji\u0161t\u011bn\u00ed chaty a chalupy vybrat a na co si d\u00e1t pozor?<\/h2>\n\n\n\n<ul>\n<li>P\u0159i v\u00fdb\u011bru poji\u0161t\u011bn\u00ed se soust\u0159e\u010fte na <strong>odpov\u00eddaj\u00edc\u00ed rozsah rizik <\/strong>&#8211; spr\u00e1vn\u00e1 pojistka by m\u011bla obsahovat jak<strong> \u017eiveln\u00ed ud\u00e1losti, tak i rizika vandalismu a kr\u00e1de\u017ee<\/strong>. Rozsah kryt\u00ed nepodce\u0148ujte a vyb\u00edrejte mezi bal\u00ed\u010dky, kter\u00e9 zahrnuj\u00ed tak\u00e9 <strong>poji\u0161t\u011bn\u00ed zate\u010den\u00ed atmosf\u00e9rick\u00fdch sr\u00e1\u017eek <\/strong>nebo nap\u0159\u00edklad <strong>poji\u0161t\u011bn\u00ed vodovodn\u00edch \u0161kod<\/strong>. Prasknut\u00ed trubek \u010di hadi\u010dek a n\u00e1sledn\u00e9 vytopen\u00ed p\u0159edstavuj\u00ed suver\u00e9nn\u011b nej\u010dast\u011bji hl\u00e1\u0161enou \u0161kodu v r\u00e1mci poji\u0161t\u011bn\u00ed majetku. K pojistce nemovitosti a dom\u00e1cnosti n\u00e1le\u017e\u00ed tak\u00e9 <strong>asisten\u010dn\u00ed slu\u017eby<\/strong> &#8211; ty v\u00e1m mohou pomoci t\u0159eba v p\u0159\u00edpad\u011b hav\u00e1rie vody, zabouchnut\u00ed dve\u0159\u00ed nebo deratizace a dezinsekce.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>P\u0159i sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed si dob\u0159e propo\u010d\u00edtejte, jak\u00e1 je h<strong>odnota nemovitosti i jej\u00edho vybaven\u00ed<\/strong>. Podle n\u00ed se toti\u017e odv\u00edj\u00ed <strong>pojistn\u00e1 \u010d\u00e1stka<\/strong>, tedy nejvy\u0161\u0161\u00ed limit pro pln\u011bn\u00ed od poji\u0161\u0165ovny. Ten by m\u011bl odpov\u00eddat<strong> maxim\u00e1ln\u00ed \u0161kod\u011b, k n\u00ed\u017e by mohlo doj\u00edt<\/strong>. V\u00fdrazn\u011b men\u0161\u00ed pojistn\u00e1 \u010d\u00e1stka by znamenala, \u017ee je va\u0161e chata<strong> podpoji\u0161t\u011bn\u00e1<\/strong> &#8211; za to by v\u00e1s poji\u0161\u0165ovna p\u0159i likvidaci pojistn\u00e9 ud\u00e1losti potrestala kr\u00e1cen\u00edm pojistn\u00e9ho pln\u011bn\u00ed.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Poji\u0161\u0165ovny kladou d\u016fraz na to, jak<strong> \u010dasto je rekrea\u010dn\u00ed objekt vyu\u017e\u00edv\u00e1n <\/strong>a zda je b\u011bhem nep\u0159\u00edtomnosti majitele <strong>\u0159\u00e1dn\u011b zabezpe\u010den<\/strong>. Pokud m\u00e1te chalupu nap\u0159\u00edklad mimo sez\u00f3nu opu\u0161t\u011bnou bez kvalitn\u00edch zabezpe\u010dovac\u00edch za\u0159\u00edzen\u00ed, m\u016f\u017ee se st\u00e1t, \u017ee poji\u0161\u0165ovna <strong>\u00fahradu p\u0159\u00edpadn\u00e9 \u0161kody odm\u00edtne<\/strong>. Pozor d\u00e1vejte i na dal\u0161\u00ed v\u00fdluky z poji\u0161t\u011bn\u00ed &#8211; nap\u0159\u00edklad \u0161kody zp\u016fsoben\u00e9 <strong>zanedb\u00e1n\u00edm \u00fadr\u017eby <\/strong>v\u00e1m \u017e\u00e1dn\u00e1 pojistka nepokryje.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Pozor, pokud je va\u0161e rekrea\u010dn\u00ed nemovitost v oblasti, kter\u00e9 spad\u00e1 do 4.<strong> z\u00e1plavov\u00e9 z\u00f3ny<\/strong>, m\u016f\u017eete si pojistku sjednat, ale p\u0159ipoji\u0161t\u011bn\u00ed <a href=\"https:\/\/www.rixo.cz\/blog\/povoden-vs-zaplava-pojisteni\/\">povodn\u011b a z\u00e1plavy<\/a> na ni pravd\u011bpodobn\u011b v\u016fbec nese\u017eenete. V ostatn\u00edch <strong>z\u00f3n\u00e1ch s vy\u0161\u0161\u00edm rizikem povodn\u00ed<\/strong> a z\u00e1plav pak po\u010d\u00edtejte s p\u0159ir\u00e1\u017ekou k pojistn\u00e9mu. Jak je na tom va\u0161e chata? Ov\u011b\u0159te si to online v <a href=\"https:\/\/www.edpp.cz\/online-povodnova-mapa-cr\/\" target=\"_blank\" rel=\"noopener\"><strong>povod\u0148ov\u00e9 map\u011b<\/strong><\/a>.&nbsp;<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"500\" src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/themes\/breek\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/07\/lake-o-hara-yoho-national-park-with-waterfront-carbin-1-1-1.jpg\" alt=\"poji\u0161t\u011bn\u00ed chaty a chalupy\" class=\"wp-image-3418\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/07\/lake-o-hara-yoho-national-park-with-waterfront-carbin-1-1-1.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/07\/lake-o-hara-yoho-national-park-with-waterfront-carbin-1-1-1-300x150.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/07\/lake-o-hara-yoho-national-park-with-waterfront-carbin-1-1-1-768x384.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/07\/lake-o-hara-yoho-national-park-with-waterfront-carbin-1-1-1-100x50.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/07\/lake-o-hara-yoho-national-park-with-waterfront-carbin-1-1-1-700x350.jpg 700w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cena-pojisteni-chaty-a-chalupy\">Cena poji\u0161t\u011bn\u00ed chaty a chalupy<\/h2>\n\n\n\n<p>Cena, kterou za poji\u0161t\u011bn\u00ed chaty a chalupy zaplat\u00edte, se \u0159\u00edd\u00ed n\u011bkolika faktory. Rozhoduje <strong>lokalita<\/strong>, respektive zda je chata v obci \u010di mimo obec a jak vysok\u00e9 je v m\u00edst\u011b riziko povodn\u00ed nebo t\u0159eba vloup\u00e1n\u00ed. D\u00e1le se vy\u010d\u00edslen\u00ed pojistn\u00e9ho \u0159\u00edd\u00ed tak\u00e9 <strong>pojistn\u00fdmi riziky<\/strong> nebo <strong>stavem a celkovou hodnotou objektu<\/strong>, tedy v\u00fd\u0161\u00ed pojistn\u00e9 \u010d\u00e1stky. Pr\u016fm\u011brn\u011b se ro\u010dn\u00ed platba za <strong>kompletn\u00ed poji\u0161t\u011bn\u00ed<\/strong> nemovitosti, dom\u00e1cnosti i poji\u0161t\u011bn\u00ed odpov\u011bdnosti z vlastnictv\u00ed nemovitosti pohybuje v rozmez\u00ed<strong> 2 500 &#8211; 3 500 K\u010d<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Zaj\u00edm\u00e1 v\u00e1s, kolik bude st\u00e1t poji\u0161t\u011bn\u00ed chaty nebo chalupy ve va\u0161em p\u0159\u00edpad\u011b? Srovnejte si nab\u00eddky od cel\u00e9 \u0159ady poji\u0161\u0165oven na <a href=\"http:\/\/rixo.cz\" target=\"_blank\" rel=\"noopener\">RIXO.cz<\/a> a najd\u011bte tu nejv\u00fdhodn\u011bj\u0161\u00ed pojistku u\u017e za dv\u011b minuty!<\/p>\n\n\n\n<div class=\"wp-block-group is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-1 wp-block-group-is-layout-flex\">\n<iframe loading=\"lazy\" height=\"300\" width=\"400\" frameborder=\"0\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/forms\/property-insurance-form\/\"><\/iframe>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>V\u00edkendov\u00fd relax na chalup\u011b p\u0159edstavuje ide\u00e1l pro v\u011bt\u0161inu \u010cech\u016f. M\u00edsto proch\u00e1zek p\u0159\u00edrodou a opalov\u00e1n\u00ed u rybn\u00edka v\u00e1s ale p\u0159i dal\u0161\u00ed n\u00e1v\u0161t\u011bv\u011b m\u016f\u017ee p\u0159epadnout stres, kolik pen\u011bz vyd\u00e1te na opravu chaty po zimn\u00edch mrazech nebo n\u00e1v\u0161t\u011bv\u011b zlod\u011bj\u016f. Aby se z vlastnictv\u00ed chaty m\u00edsto radosti nestala starost, je pot\u0159eba tak\u00e9 myslet na kvalitn\u00ed poji\u0161t\u011bn\u00ed.\u00a0<\/p>\n","protected":false},"author":11,"featured_media":3417,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7,9],"tags":[51],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3415"}],"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=3415"}],"version-history":[{"count":3,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3415\/revisions"}],"predecessor-version":[{"id":3430,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3415\/revisions\/3430"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/3417"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=3415"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=3415"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=3415"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}