especially property insurance

nsurance of real estate belongs to the category of property insurance and insurance suggests probable losses due to death (destruction) or damage (damage) of the insured property, as well as the respective insurance of property interests of the insured. The relationship between the insurer (insurance company) and the insured on the property insurance are regulated by the contract between them insurance, which must state the fact the parties reach an agreement on the following key points: that it be insured (an object or objects
insurance) under the contract; from what is the risk (potential losses, insurance claims) fear of this property; insurance amount, within which will be the indemnity insurer or other third party (purchaser benefits under the contract), if an insured event (event) provided the relevant agreement; period (term), for whom this insurance contract; the size of the relevant insurance premium (payment, payment) under an insurance contract, as well as the procedure for its payment. Crucially for property insurance is possible a more precise definition of the object of insurance, in other words, what kind of property must be insured under the contract. For example, when it comes to insuring a detached building, the objects for insurance may be: load-bearing structures of the building (interior and exterior walls, roof, floors, foundation with base, exterior decoration); internal (interior) trim in the building; engineering equipment in the building (electricity system, ventilation, water supply, etc.); movable property in the building (furniture, equipment, consumer goods, items of special value). If we consider the possibility of insuring the apartment, the objects for insurance may be the following: load-bearing structures of the apartment ("box"); internal (interior) finish in the apartment; engineering equipment in the apartment; movable property in the apartment. Thus, you can insure not only the room (house, apartment) as such. After all, real estate - is a complex and multifaceted concept, which implies in each case the details and refinement. Possible risks of which can be insured property: fires; explosions; damage caused by exposure to water; mechanical damage; actions of third parties that may be unlawful; natural disasters; acts of terrorism; possible damage due to repairs conducted in neighboring apartments and other occasions.