[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.rtcom.cz\/jak-se-resi-u-svj-pojisteni-domu\/#Article","mainEntityOfPage":"https:\/\/www.rtcom.cz\/jak-se-resi-u-svj-pojisteni-domu\/","headline":"Jak se \u0159e\u0161\u00ed u SVJ poji\u0161t\u011bn\u00ed domu","name":"Jak se \u0159e\u0161\u00ed u SVJ poji\u0161t\u011bn\u00ed domu","description":"Dnes si lze pojistit v podstat\u011b cokoliv. V n\u011bkter\u00fdch p\u0159\u00edpadech je to zbyte\u010dn\u00e9 (kolikr\u00e1t asi za\u017eijeme \u00fanos do UFO?), v jindy se jedn\u00e1 o pom\u011brn\u011b…","datePublished":"2025-12-03","dateModified":"2025-12-03","author":{"@type":"Person","@id":"https:\/\/www.rtcom.cz\/author\/#Person","name":"","url":"https:\/\/www.rtcom.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1aa4d33840e2afc29128e2a456d425ca0d17b173c888af2db652b1d34fe6f93d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1aa4d33840e2afc29128e2a456d425ca0d17b173c888af2db652b1d34fe6f93d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"rtcom.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.rtcom.cz\/wp-content\/uploads\/dum2_10_10_10_5.jpg","url":"https:\/\/www.rtcom.cz\/wp-content\/uploads\/dum2_10_10_10_5.jpg","height":0,"width":0},"url":"https:\/\/www.rtcom.cz\/jak-se-resi-u-svj-pojisteni-domu\/","about":["Podnik\u00e1n\u00ed"],"wordCount":409,"articleBody":"        Dnes si lze pojistit v podstat\u011b cokoliv. V n\u011bkter\u00fdch p\u0159\u00edpadech je to zbyte\u010dn\u00e9 (kolikr\u00e1t asi za\u017eijeme \u00fanos do UFO?), v jindy se jedn\u00e1 o pom\u011brn\u011b dobr\u00fd n\u00e1pad. A mezi tuto druhou variantu pat\u0159\u00ed i poji\u0161t\u011bn\u00ed domu. Asi v\u0161ichni v\u00edme, \u017ee a\u0165 u\u017e se o n\u00e1\u0161 domov star\u00e1me sebel\u00e9pe, nehody se zkr\u00e1tka a prost\u011b st\u00e1vaj\u00ed. M\u016f\u017ee se porouchat n\u011bjak\u00e9 za\u0159\u00edzen\u00ed, prasknout potrub\u00ed, objev\u00ed se z\u00e1vada na elektroinstalaci, mo\u017enost\u00ed je mnoho. Poji\u0161t\u011bn\u00ed je zde tedy na m\u00edst\u011b. Dobr\u00e1, ale co v p\u0159\u00edpad\u011b, \u017ee se jedn\u00e1 o panel\u00e1k ve vlastnictv\u00ed spole\u010denstv\u00ed vlastn\u00edk\u016f jednotek? I v takov\u00e9m p\u0159\u00edpad\u011b jej lze pojistit, ov\u0161em je zde n\u011bkolik v\u011bc\u00ed, kter\u00e9 je nutn\u00e9 v\u011bd\u011bt, pokud chce SVJ poji\u0161t\u011bn\u00ed domu.Tou prvn\u00ed je samoz\u0159ejm\u011b to, na co se pojistka vztahuje. V tomto p\u0159\u00edpad\u011b je zahrnut jak venkovn\u00ed povrch domu, tak i spole\u010dn\u00e9 prostory uvnit\u0159, sklepn\u00ed prostory a mechanick\u00e1 za\u0159\u00edzen\u00ed. Sem pat\u0159\u00ed nap\u0159\u00edklad v\u00fdtah, pokud jej zde m\u00e1me, konkr\u00e9tn\u011b pak jeho motor. Ve sv\u00e9 z\u00e1kladn\u00ed form\u011b se v\u0161ak tato pojistka nevztahuje nap\u0159\u00edklad na vandalismus ve v\u00fdtahu. Pokud tedy n\u011bkdo nap\u0159\u00edklad ud\u011bl\u00e1 \u0161kr\u00e1bance na st\u011bn\u00e1ch a my je budeme cht\u00edt odstranit, pak z poji\u0161t\u011bn\u00ed domu nutnou \u010d\u00e1stku nezaplat\u00edme. Samoz\u0159ejm\u011b, m\u016f\u017eeme si sjednat p\u0159ipoji\u0161t\u011bn\u00ed, av\u0161ak to u\u017e je zvl\u00e1\u0161\u0165, a neb\u00fdv\u00e1 v z\u00e1kladn\u00ed nab\u00eddce.Dal\u0161\u00ed v\u011bc\u00ed, o kterou bychom se m\u011bli zaj\u00edmat, je bezesporu financov\u00e1n\u00ed. Odkud vezme SVJ pen\u00edze na placen\u00ed pojistn\u00e9ho? Zde je \u0159e\u0161en\u00ed pom\u011brn\u011b jednoduch\u00e9: pen\u00edze na placen\u00ed pojistn\u00e9ho se berou z fondu oprav, kter\u00fd m\u00e1 ka\u017ed\u00e9 SVJ povinn\u011b zalo\u017eeno.Zde je v\u0161ak ot\u00e1zkou, zda s t\u00edm jednotliv\u00ed \u010dlenov\u00e9 budou souhlasit. Jist\u011b, poji\u0161t\u011bn\u00ed m\u016f\u017ee b\u00fdt dobr\u00fd n\u00e1pad, av\u0161ak p\u0159esv\u011bd\u010dit o tom v\u0161echny \u010dleny, nebo alespo\u0148 valnou v\u011bt\u0161inu, nen\u00ed a\u017e tak jednoduch\u00e9. Zvl\u00e1\u0161t\u011b kdy\u017e pojistn\u00e9 p\u016fjde pr\u00e1v\u011b z jejich pen\u011bz. P\u0159esto je pot\u0159eba \u0159\u00edci, \u017ee v p\u0159\u00edpad\u011b nehody je dobr\u00e1 pojistka k nezaplacen\u00ed, a vlo\u017een\u00e9 pen\u00edze se v\u00e1m n\u011bkolikan\u00e1sobn\u011b vr\u00e1t\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (2 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak se \u0159e\u0161\u00ed u SVJ poji\u0161t\u011bn\u00ed domu","item":"https:\/\/www.rtcom.cz\/jak-se-resi-u-svj-pojisteni-domu\/#breadcrumbitem"}]}]