{"id":3930,"date":"2026-03-02T11:44:15","date_gmt":"2026-03-02T10:44:15","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=3930"},"modified":"2026-03-02T11:44:17","modified_gmt":"2026-03-02T10:44:17","slug":"pojisteni-bytu-a-domu-pojisteni-skel","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/pojisteni-bytu-a-domu-pojisteni-skel\/","title":{"rendered":"Do poji\u0161t\u011bn\u00ed bytu a domu zahr\u0148te p\u0159ipoji\u0161t\u011bn\u00ed skel, stoj\u00ed p\u00e1r korun a zachr\u00e1n\u00ed v\u00e1m desetitis\u00edce"},"content":{"rendered":"\n<p>Poji\u0161t\u011bn\u00ed bytu a domu si pravd\u011bpodobn\u011b sjedn\u00e1v\u00e1te s d\u016frazem na nejd\u016fle\u017eit\u011bj\u0161\u00ed rizika, jako je po\u017e\u00e1r, vytopen\u00ed, vich\u0159ice nebo kr\u00e1de\u017e. Sklen\u011bn\u00e9 v\u00fdpln\u011b oken nebo jin\u00e1 skla v dom\u00e1cnosti \u010dasto z\u016fst\u00e1vaj\u00ed stranou, p\u0159esto\u017ee jejich po\u0161kozen\u00ed pat\u0159\u00ed mezi pom\u011brn\u011b \u010dast\u00e9 \u0161kody. Jak na p\u0159ipoji\u0161t\u011bn\u00ed skel ve va\u0161em majetkov\u00e9m poji\u0161t\u011bn\u00ed?<\/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=\"#co-pojisteni-skel-v-pojisteni-majetku-kryje\">Co poji\u0161t\u011bn\u00ed skel v poji\u0161t\u011bn\u00ed majetku kryje?<\/a><\/li><li class=\"\"><a href=\"#co-pojisteni-skel-v-pojisteni-majetku-nepokryje\">Co poji\u0161t\u011bn\u00ed skel v poji\u0161t\u011bn\u00ed majetku nepokryje?<\/a><\/li><li class=\"\"><a href=\"#jak-na-nastaveni-pripojisteni-skel-v-pojisteni-majetku\">Jak na nastaven\u00ed p\u0159ipoji\u0161t\u011bn\u00ed skel v poji\u0161t\u011bn\u00ed majetku?<\/a><\/li><li class=\"\"><a href=\"#n\">Na co si d\u00e1t pozor p\u0159i sjedn\u00e1n\u00ed?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed skel b\u00fdv\u00e1 \u017e\u00e1danou polo\u017ekou p\u0159i sjedn\u00e1v\u00e1n\u00ed <a href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\">povinn\u00e9ho ru\u010den\u00ed<\/a> a <a href=\"https:\/\/www.rixo.cz\/havarijni-pojisteni\/\">havarijn\u00edho poji\u0161t\u011bn\u00ed<\/a> aut. Poji\u0161t\u011bn\u00ed skel se ale b\u011b\u017en\u011b sjedn\u00e1v\u00e1 tak\u00e9 jako <strong>dopl\u0148kov\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed k <\/strong><a href=\"https:\/\/www.rixo.cz\/pojisteni-nemovitosti\/\"><strong>poji\u0161t\u011bn\u00ed nemovitosti <\/strong><\/a><strong>a <\/strong><a href=\"https:\/\/www.rixo.cz\/pojisteni-domacnosti\/\"><strong>poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/strong><\/a>. A pro\u010d se hod\u00ed ho m\u00edt? Rozbit\u00e9 okno, praskl\u00e1 induk\u010dn\u00ed varn\u00e1 deska, poni\u010den\u00fd sprchov\u00fd kout nebo rozbit\u00e1 v\u00fdpl\u0148 dve\u0159\u00ed mohou znamenat n\u00e1klady v \u0159\u00e1du tis\u00edc\u016f a\u017e des\u00edtek tis\u00edc korun. Ale p\u0159ipoji\u0161t\u011bn\u00ed skel, kter\u00e9 v\u00e1m v\u0161echny tyto v\u00fddaje pokryje, je p\u0159itom obvykle dostupn\u00e9 za p\u00e1r korun.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-pojisteni-skel-v-pojisteni-majetku-kryje\">Co poji\u0161t\u011bn\u00ed skel v poji\u0161t\u011bn\u00ed majetku kryje?<\/h2>\n\n\n\n<p>Z\u00e1kladn\u00edm principem p\u0159ipoji\u0161t\u011bn\u00ed skel v pojistce k nemovitosti a dom\u00e1cnosti je kryt\u00ed \u0161kod zp\u016fsoben\u00fdch <strong>n\u00e1hl\u00fdm a nep\u0159edv\u00eddateln\u00fdm rozbit\u00edm<\/strong> <strong>nebo po\u0161kozen\u00edm <\/strong>sklen\u011bn\u00fdch prvk\u016f a sjedn\u00e1v\u00e1 se tak\u0159ka v\u017edy ve variant\u011b <strong>all risk<\/strong> &#8211; tedy neuplatn\u00ed se jen u \u0161kod zp\u016fsoben\u00fdch <strong>\u017eiveln\u00edmi ud\u00e1lostmi nebo ciz\u00edm zavin\u011bn\u00edm<\/strong>, ale i u dom\u00e1c\u00edch nehod, kter\u00e9 <strong>zp\u016fsob\u00edte sami <\/strong>ne\u0161\u0165astnou n\u00e1hodou. Z poji\u0161t\u011bn\u00ed se pak hrad\u00ed <strong>oprava \u010di p\u0159\u00edpadn\u00e1 v\u00fdm\u011bna<\/strong>, a to do sjednan\u00e9ho limitu pln\u011bn\u00ed.&nbsp;<\/p>\n\n\n\n<p>Pojistka se nav\u00edc vztahuje na<strong> \u0161irok\u00fd v\u00fd\u010det sklen\u011bn\u00fdch p\u0159edm\u011bt\u016f<\/strong>, kam pat\u0159\u00ed <strong>okenn\u00ed skla<\/strong> v\u010detn\u011b izola\u010dn\u00edch dvojskel a trojskel, balkonov\u00e9 a terasov\u00e9 <strong>dve\u0159e<\/strong>, v\u00fdpln\u011b vstupn\u00edch dve\u0159\u00ed, sklen\u011bn\u00e9 st\u011bny, <strong>zasklen\u00ed lod\u017ei\u00ed <\/strong>nebo i t\u0159eba zimn\u00edch zahrad. V r\u00e1mci dom\u00e1cnosti m\u016f\u017ee poji\u0161t\u011bn\u00ed zahrnovat tak\u00e9 <strong>sklen\u011bn\u00e9 v\u00fdpln\u011b n\u00e1bytku<\/strong>,<strong> zrcadla<\/strong>, <strong>sklokeramick\u00e9 a induk\u010dn\u00ed varn\u00e9 desky<\/strong>, sklen\u011bn\u00e9 <strong>sprchov\u00e9 kouty<\/strong> \u010di sklen\u011bn\u00e9 obklady nebo <strong>akv\u00e1ria a ter\u00e1ria<\/strong>. Nemus\u00ed j\u00edt v\u017edy ale jen o sklo, poji\u0161t\u011bn\u00ed se obdobn\u011b vztahuje na <strong>plexiskla \u010di polykarbon\u00e1tov\u00e9 desky<\/strong>. Poji\u0161\u0165ovny zpravidla zahrnuj\u00ed do p\u0159ipoji\u0161t\u011bn\u00ed skel i <strong>sanit\u00e1rn\u00ed keramiku<\/strong>, nap\u0159\u00edklad umyvadla nebo toalety.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"562\" 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\/2026\/02\/pexels-introspectivedsgn-12641791-1-1-edited.jpg\" alt=\"poji\u0161t\u011bn\u00ed skel \" class=\"wp-image-3932\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/02\/pexels-introspectivedsgn-12641791-1-1-edited.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/02\/pexels-introspectivedsgn-12641791-1-1-edited-300x169.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/02\/pexels-introspectivedsgn-12641791-1-1-edited-768x432.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/02\/pexels-introspectivedsgn-12641791-1-1-edited-100x56.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/02\/pexels-introspectivedsgn-12641791-1-1-edited-700x393.jpg 700w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-pojisteni-skel-v-pojisteni-majetku-nepokryje\">Co poji\u0161t\u011bn\u00ed skel v poji\u0161t\u011bn\u00ed majetku nepokryje?<\/h2>\n\n\n\n<p>Nem\u011blo by v\u00e1s p\u0159ekvapit, \u017ee z pojistky v\u00e1m nebudou hrazeny \u0161kody zp\u016fsoben\u00e9 <strong>\u00famysln\u011b \u010di hrubou nedbalost\u00ed<\/strong>, nebo \u0161kody zp\u016fsoben\u00e9 <strong>pod vlivem alkoholu a jin\u00fdch omamn\u00fdch a n\u00e1vykov\u00fdch l\u00e1tek<\/strong>. Poji\u0161t\u011bn\u00ed nicm\u00e9n\u011b tak\u00e9 nepokr\u00fdv\u00e1 \u0161kody vznikl\u00e9<strong> b\u011b\u017en\u00fdm opot\u0159eben\u00edm<\/strong>, <strong>v\u00fdrobn\u00ed vadou nebo postupn\u00fdm prask\u00e1n\u00edm<\/strong>, kter\u00e9 je zp\u016fsobeno dlouhodob\u00fdm p\u016fsoben\u00edm nap\u011bt\u00ed v materi\u00e1lu. Nehrad\u00ed se t\u0159eba<strong> ani funk\u010dn\u011b nev\u00fdznamn\u00e9 \u0161kr\u00e1bance<\/strong>, kter\u00e9 jsou nevyhovuj\u00edc\u00ed pouze z estetick\u00e9ho pohledu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-na-nastaveni-pripojisteni-skel-v-pojisteni-majetku\">Jak na nastaven\u00ed p\u0159ipoji\u0161t\u011bn\u00ed skel v poji\u0161t\u011bn\u00ed majetku?<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed skel je voliteln\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed jak v <a href=\"https:\/\/www.rixo.cz\/pojisteni-nemovitosti\/\"><strong>poji\u0161t\u011bn\u00ed nemovitosti<\/strong><\/a> (tedy poji\u0161t\u011bn\u00ed stavby), tak v <a href=\"https:\/\/www.rixo.cz\/pojisteni-domacnosti\/\">poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/a> (tedy vnit\u0159n\u00edho vybaven\u00ed domova) a nab\u00edz\u00ed ho v\u0161echny poji\u0161\u0165ovny na trhu. Ve vy\u0161\u0161\u00edch variant\u00e1ch bal\u00ed\u010dk\u016f ho u\u017e m\u016f\u017eete naj\u00edt automaticky zahrnut\u00e9. <\/p>\n\n\n\n<p>Limity <strong>all risk poji\u0161t\u011bn\u00ed skel <\/strong>se zpravidla pohybuj\u00ed v mez\u00edch <strong>od 100 000 K\u010d a\u017e do 500 000 K\u010d<\/strong>. Nemus\u00edte se b\u00e1t, \u017ee by se poji\u0161t\u011bn\u00ed skel i s takto vysok\u00fdmi limity celkov\u00e9 pojistn\u00e9 prodra\u017eilo &#8211; cena se zv\u00fd\u0161\u00ed t\u0159eba jen o<strong> 50 K\u010d ro\u010dn\u011b<\/strong>. A to se opravdu vyplat\u00ed.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"n\">Na co si d\u00e1t pozor p\u0159i sjedn\u00e1n\u00ed?<\/h2>\n\n\n\n<p>Do nastaven\u00ed a ceny cel\u00e9ho i tohoto d\u00edl\u010d\u00edho poji\u0161t\u011bn\u00ed tak\u00e9 vstupuje <strong>spolu\u00fa\u010dast<\/strong>, tedy sjednan\u00e1 \u010d\u00e1stka, kterou se na p\u0159\u00edpadn\u00e9 \u0161kod\u011b pod\u00edl\u00edte vy. A\u010dkoliv se poji\u0161t\u011bn\u00ed majetku d\u00e1 sjednat i bez spolu\u00fa\u010dasti, \u010dasto je nastavena ve v\u00fd\u0161i<strong> 1 000 K\u010d nebo 5 000 K\u010d<\/strong>. Z\u00e1le\u017e\u00ed jen na v\u00e1s, jakou si zvol\u00edte &#8211; po\u010d\u00edtat m\u016f\u017eete s t\u00edm, \u017ee \u010d\u00edm vy\u0161\u0161\u00ed je sjednan\u00e1 spolu\u00fa\u010dast, t\u00edm v\u00edc u\u0161et\u0159\u00edte na pojistn\u00e9m. Mal\u00e9 \u0161kody do 1 000 K\u010d se v\u00e1m pravd\u011bpodobn\u011b ani nebude cht\u00edt poji\u0161\u0165ovn\u011b nahla\u0161ovat a dokl\u00e1dat, nebojte se proto spolu\u00fa\u010dast do poji\u0161t\u011bn\u00ed zahrnout.&nbsp;<\/p>\n\n\n\n<p>Nezapome\u0148te ani na <strong>kontrolu obsahu asisten\u010dn\u00edch slu\u017eeb<\/strong> v r\u00e1mci poji\u0161t\u011bn\u00ed majetku &#8211; poji\u0161t\u011bn\u00ed v\u00e1m pak v p\u0159\u00edpad\u011b nouze m\u016f\u017ee zajistit i <strong>p\u0159\u00edjezd sklen\u00e1\u0159e a \u00fahradu sklen\u00e1\u0159sk\u00fdch prac\u00ed<\/strong> do limitu ve smlouv\u011b, nej\u010dast\u011bji do 5 000 K\u010d nebo v p\u0159\u00edpad\u011b vy\u0161\u0161\u00ed varianty do 10 000 K\u010d.<\/p>\n\n\n\n<p>V\u00edte, co v\u0161e obsahuje va\u0161e poji\u0161t\u011bn\u00ed nemovitosti a dom\u00e1cnosti? A m\u00e1te poji\u0161t\u011bn\u00e1 i skla? Zjist\u011bte, co v\u00e1m poji\u0161\u0165ovny mohou nab\u00eddnout. Na srovn\u00e1va\u010di <a href=\"http:\/\/rixo.cz\" target=\"_blank\" rel=\"noopener\">RIXO.cz<\/a> v\u00e1m k tomu sta\u010d\u00ed jen minutka!<\/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>Poji\u0161t\u011bn\u00ed bytu a domu si pravd\u011bpodobn\u011b sjedn\u00e1v\u00e1te s d\u016frazem na nejd\u016fle\u017eit\u011bj\u0161\u00ed rizika, jako je po\u017e\u00e1r, vytopen\u00ed, vich\u0159ice nebo kr\u00e1de\u017e. Sklen\u011bn\u00e9 v\u00fdpln\u011b oken nebo jin\u00e1 skla v dom\u00e1cnosti \u010dasto z\u016fst\u00e1vaj\u00ed stranou, p\u0159esto\u017ee jejich po\u0161kozen\u00ed pat\u0159\u00ed mezi pom\u011brn\u011b \u010dast\u00e9 \u0161kody. Jak na p\u0159ipoji\u0161t\u011bn\u00ed skel ve va\u0161em majetkov\u00e9m poji\u0161t\u011bn\u00ed?<\/p>\n","protected":false},"author":11,"featured_media":3934,"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\/3930"}],"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=3930"}],"version-history":[{"count":3,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3930\/revisions"}],"predecessor-version":[{"id":3940,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3930\/revisions\/3940"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/3934"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=3930"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=3930"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=3930"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}