{"id":5735,"date":"2017-11-21T16:05:22","date_gmt":"2017-11-21T15:05:22","guid":{"rendered":"https:\/\/financer.com\/cz\/?page_id=5735"},"modified":"2024-01-23T08:39:06","modified_gmt":"2024-01-23T07:39:06","slug":"domacnosti","status":"publish","type":"page","link":"https:\/\/financer.com\/cz\/pojisteni\/domacnosti\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed dom\u00e1cnosti"},"content":{"rendered":"\n<p>Prakticky <strong>ka\u017ed\u00e9mu se vyplat\u00ed pojistit si dom\u00e1cnost.<\/strong> To pak po finan\u010dn\u00ed str\u00e1nce pokryje n\u00e1klady p\u0159i jej\u00edm po\u0161kozen\u00ed a chr\u00e1n\u00ed v\u00e1s proti dal\u0161\u00edm nep\u0159\u00edjemn\u00fdm vliv\u016fm.<\/p>\n\n\n\n<p>M\u016f\u017ee j\u00edt t\u0159eba o kr\u00e1de\u017e, praskl\u00e9 potrub\u00ed, \u00famysln\u00e1 po\u0161kozen\u00ed nebo i \u017eiveln\u00e9 pohromy. Dom\u00e1cnost<strong> jde pojistit i jen na n\u011bkter\u00e1 rizika,<\/strong> i kdy\u017e v\u011bt\u0161ina pojistek m\u00e1 vcelku \u0161irok\u00fd okruh kryt\u00ed. Nav\u00edc jejich cena nen\u00ed tak vysok\u00e1.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Pojitn_domcnosti_versus_pojitn_nemovitosti\">Poji\u0161t\u011bn\u00ed dom\u00e1cnosti versus poji\u0161t\u011bn\u00ed nemovitosti<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed dom\u00e1cnosti se vztahuje na <strong>v\u0161echno uvnit\u0159 nemovitosti,<\/strong> tedy domu nebo bytu, a n\u00e1sledn\u011b \u0161kody z toho plynouc\u00ed. Na rozd\u00edl od toho <a href=\"https:\/\/financer.com\/cz\/pojisteni\/nemovitosti\/\">poji\u0161t\u011bn\u00ed nemovitosti<\/a> se <strong>vztahuje na nemovitost z venku, <\/strong>a zahrnuje v sob\u011b v\u0161echny faktory, kter\u00e9 by mohly n\u011bjak\u00fdm zp\u016fsobem danou nemovitost po\u0161kodit.<\/p>\n\n\n\n<p>M\u016f\u017eeme tedy konstatovat, \u017ee poji\u0161t\u011bn\u00ed nemovitosti chr\u00e1n\u00ed va\u0161i nemovitost jako budovu. Poji\u0161t\u011bn\u00ed dom\u00e1cnosti \u0159e\u0161\u00ed dal\u0161\u00ed v\u011bci uvnit\u0159 va\u0161\u00ed nemovitosti, jako nap\u0159. spot\u0159ebi\u010de a podobn\u011b. Z tohoto d\u016fvodu <strong>se vyplat\u00ed m\u00edt jednozna\u010dn\u011b sjednan\u00e9 oboj\u00ed.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Na_co_se_vztahuje_pojitn_domcnosti\">Na co se vztahuje poji\u0161t\u011bn\u00ed dom\u00e1cnosti?<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed v\u011bt\u0161inou plat\u00ed i pro nebytov\u00e9 prostory. Vykraden\u00ed sklepa nebo ko\u010d\u00e1rk\u00e1rny v panelov\u00e9m dom\u011b, nebo i po\u0161kozen\u00ed plotu a k\u016flny poji\u0161\u0165ovna dok\u00e1\u017ee v r\u00e1mci poji\u0161t\u011bn\u00ed dom\u00e1cnosti nahradit. <\/p>\n\n\n\n<p><strong>Pojistiteln\u00e9 vybaven\u00ed dom\u00e1cnosti je nap\u0159\u00edklad:<\/strong><\/p>\n\n\n\n<ul class=\"is-style-default\">\n<li><strong>Osobn\u00ed v\u011bci<\/strong> &#8211; po\u010d\u00edta\u010de, elektronika, sportovn\u00ed vybaven\u00ed, cennosti, knihy a dal\u0161\u00ed<\/li>\n\n\n\n<li><strong>Za\u0159\u00edzen\u00ed bytu<\/strong> &#8211; koberce, pra\u010dka, ledni\u010dka, osv\u011btlen\u00ed, n\u00e1bytek<\/li>\n\n\n\n<li><strong>P\u0159\u00edslu\u0161enstv\u00ed a sou\u010d\u00e1sti bytu <\/strong>&#8211; kuchy\u0148sk\u00e1 linka, obklady, vestav\u011bn\u00e9 spot\u0159ebi\u010de i plovouc\u00ed podlahy<\/li>\n\n\n\n<li><strong>Ciz\u00ed v\u011bci<\/strong> &#8211; nap\u0159\u00edklad va\u0161e v\u011bci k pr\u00e1ci, p\u016fj\u010den\u00e9 i hrazen\u00e9 leasingem<\/li>\n<\/ul>\n\n\n\n<p><strong>A samotn\u00e9 poji\u0161t\u011bn\u00ed dom\u00e1cnosti pak kryje i tato rizika:<\/strong><\/p>\n\n\n\n<ul class=\"is-style-default\">\n<li>Kr\u00e1de\u017ee<\/li>\n\n\n\n<li>\u017diveln\u00e9 pohromy &#8211; po\u017e\u00e1r, blesk, vich\u0159ice<\/li>\n\n\n\n<li>P\u0159ep\u011bt\u00ed v s\u00edti a zkraty<\/li>\n\n\n\n<li>Vandalismus<\/li>\n\n\n\n<li>\u00danik vody z praskl\u00e9ho potrub\u00ed<\/li>\n\n\n\n<li>Praskl\u00e9 rozvody<\/li>\n\n\n\n<li>Rozbit\u00ed skel<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Na_co_se_pojitn_domcnosti_nevztahuje\">Na co se poji\u0161t\u011bn\u00ed dom\u00e1cnosti nevztahuje?<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed dom\u00e1cnosti v sob\u011b samoz\u0159ejm\u011b neobsahuje v\u0161echno. Poji\u0161\u0165ovny si k ur\u010dit\u00fdm v\u011bcem uplat\u0148uj\u00ed v\u00fdjimky. Ve <strong>Financer.com<\/strong> jsme pro v\u00e1s shrnuli, na co se nej\u010dast\u011bji nevztahuje poji\u0161t\u011bn\u00ed dom\u00e1cnosti.<\/p>\n\n\n\n<ul>\n<li>Motorov\u00e1 vozidla<\/li>\n\n\n\n<li>Exotick\u00e1 zv\u00ed\u0159ata<\/li>\n\n\n\n<li>V\u011bci va\u0161ich podn\u00e1jemn\u00edk\u016f<\/li>\n\n\n\n<li>V\u0161e, co spad\u00e1 do jin\u00e9ho poji\u0161t\u011bn\u00ed<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Dal_druhy_pojitn\">Dal\u0161\u00ed druhy poji\u0161t\u011bn\u00ed<\/h3>Poji\u0161t\u011bn\u00ed dom\u00e1cnosti ani zdaleka nekryje \u00fapln\u011b v\u0161echno, co m\u00e1te u sebe doma. Zejm\u00e9na nekryje v\u011bci, na kter\u00e9 se vztahuje jin\u00fd druh poji\u0161t\u011bn\u00ed. Pro v\u00edce informac\u00ed o r\u016fzn\u00fdch druz\u00edch poji\u0161t\u011bn\u00ed si p\u0159e\u010dt\u011bte n\u00e1\u0161 \u010dl\u00e1nek.<p class=\"has-text-centered\">\n\t <a href=\"https:\/\/financer.com\/cz\/pojisteni\/\" class=\"button is-normal is-primary is-rounded is-large\">V\u00edce o poji\u0161t\u011bn\u00ed <\/a>\n\t<\/p><\/div>\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Pojitn_domcnosti_a_pronjem\">Poji\u0161t\u011bn\u00ed dom\u00e1cnosti a pron\u00e1jem<\/h2>\n\n\n\n<p>Je mnoho d\u016fvod\u016f, pro\u010d se m\u016f\u017eete rozhodnout va\u0161i nemovitost pronaj\u00edmat. Pokud k tomu opravdu p\u0159istoup\u00edte, je <strong>zapot\u0159eb\u00ed zohlednit to i v poji\u0161t\u011bn\u00ed dom\u00e1cnosti.<\/strong> Klasick\u00e9 poji\u0161t\u011bn\u00ed toti\u017e nepokr\u00fdv\u00e1 v\u0161echny mo\u017enosti, kter\u00e9 mohou nastat.<\/p>\n\n\n\n<p>M\u016f\u017ee nastat n\u011bkolik ud\u00e1lost\u00ed, kter\u00e9 je pot\u0159eba rozli\u0161ovat:<\/p>\n\n\n\n<ul class=\"is-style-default\">\n<li>Dojde ke zni\u010den\u00ed \u010di <strong>po\u0161kozen\u00ed va\u0161\u00ed v\u011bci<\/strong> <strong>nikoliv va\u0161\u00ed vinou<\/strong> (po\u017e\u00e1r, voda, kr\u00e1de\u017e aj.). To v\u00e1m pokryje poji\u0161t\u011bn\u00ed dom\u00e1cnosti.<\/li>\n\n\n\n<li>Dojde ke zni\u010den\u00ed \u010di <strong>po\u0161kozen\u00ed ciz\u00ed v\u011bci<\/strong> <strong>nikoliv va\u0161\u00ed vinou<\/strong> (po\u017e\u00e1r, voda, kr\u00e1de\u017e aj.). To pokryj\u00ed n\u011bkter\u00e1 poji\u0161t\u011bn\u00e1 dom\u00e1cnosti, pop\u0159. je na to poji\u0161t\u011bn s\u00e1m vlastn\u00edk bytu.<\/li>\n\n\n\n<li>Vy <strong>svou \u010dinnost\u00ed po\u0161kod\u00edte nebo zni\u010d\u00edte ciz\u00ed v\u011bc<\/strong>. To pokryj\u00ed n\u011bkter\u00e1 poji\u0161t\u011bn\u00ed odpov\u011bdnosti v ob\u010dansk\u00e9m \u017eivot\u011b, ale \u010dast\u00e1 je v\u00fdluka na zap\u016fj\u010den\u00e9 \u010di pronajat\u00e9 v\u011bci.<\/li>\n\n\n\n<li>Vy <strong>svou \u010dinnost\u00ed po\u0161kod\u00edte nebo zni\u010d\u00edte sv\u016fj majetek<\/strong>. Na to se poji\u0161t\u011bn\u00ed odpov\u011bdnosti ani dom\u00e1cnosti nevztahuje.<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div>Obecn\u011b jako nejlep\u0161\u00ed \u0159e\u0161en\u00ed\u00a0<strong>doporu\u010dujeme kombinaci poji\u0161t\u011bn\u00ed dom\u00e1cnosti a p\u0159ipoji\u0161t\u011bn\u00ed poji\u0161t\u011bn\u00ed odpov\u011bdnosti ob\u010dana.\u00a0<\/strong>To pokryje po\u0161kozen\u00ed \u010di zni\u010den\u00ed va\u0161ich v\u011bc\u00ed v dom\u00e1cnosti, a taky cel\u00e9 va\u0161\u00ed rodiny.\nTak\u00e9 vybaven\u00ed a sou\u010d\u00e1sti bytu pat\u0159\u00edc\u00ed majiteli bytu, tedy pronaj\u00edmateli, i \u0161kody, kter\u00e9 zp\u016fsob\u00edte dal\u0161\u00edm lidem, nap\u0159\u00edklad soused\u016fm.<\/div>\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Pojitn_domcnosti_cena\">Poji\u0161t\u011bn\u00ed dom\u00e1cnosti cena<\/h2>\n\n\n\n<p>V\u00fdslednou<strong> cenu poji\u0161t\u011bn\u00ed dom\u00e1cnosti ovliv\u0148uje n\u011bkolik faktor\u016f,<\/strong> mezi jin\u00fdmi je to:<\/p>\n\n\n\n<ul>\n<li>Lokalita<\/li>\n\n\n\n<li>Zabezpe\u010den\u00ed dom\u00e1cnosti<\/li>\n\n\n\n<li>V\u00fd\u0161e spolu\u00fa\u010dasti<\/li>\n\n\n\n<li>Zvolen\u00e1 rizika<\/li>\n<\/ul>\n\n\n\n<p>V p\u0159\u00edpad\u011b lokality se jedn\u00e1 zejm\u00e9na o fakt, \u017ee<strong> ka\u017ed\u00e1 oblast je jinak rizikov\u00e1.<\/strong> Tedy je v n\u00ed jin\u00e1 pravd\u011bpodobnost z\u00e1plav, \u017eiveln\u00fdch katastrof, p\u0159\u00edpadn\u011b st\u0159etu s vandaly. V\u00fdsledkem je, \u017ee ur\u010dit\u00e9 lokality maj\u00ed n\u011bkter\u00e9 druhy rizik dra\u017e\u0161\u00ed ne\u017e jin\u00e9.<\/p>\n\n\n\n<p>Tak\u00e9 pokud pl\u00e1nujete svou dom\u00e1cnost pojistit na vy\u0161\u0161\u00ed \u010d\u00e1stky, <strong>m\u016f\u017ee od v\u00e1s poji\u0161\u0165ovna vy\u017eadovat zv\u00fd\u0161en\u00ed zabezpe\u010den\u00ed, <\/strong>tedy nap\u0159\u00edklad v\u00fdm\u011bnu z\u00e1mk\u016f za bezpe\u010dnostn\u00ed a podobn\u011b. Pokud poji\u0161\u0165ujete \u0161perky, p\u0159\u00edpadn\u011b um\u011bleck\u00e1 d\u00edla, m\u016f\u017ee od v\u00e1s poji\u0161\u0165ovna vy\u017eadovat dokonce trezor.<\/p>\n\n\n\n<p><strong>Spolu\u00fa\u010dast p\u0159i poji\u0161t\u011bn\u00ed <\/strong>znamen\u00e1, \u017ee se poji\u0161t\u011bnec finan\u010dn\u011b spolupod\u00edl\u00ed na pojistn\u00e9 ud\u00e1losti. Jistou \u010d\u00e1stku si tedy hrad\u00ed s\u00e1m. M\u016f\u017ee se jednat o jistou pevn\u011b stanovenou \u010d\u00e1stku, p\u0159\u00edpadn\u011b procentn\u00ed pod\u00edl. \u010c\u00edm vy\u0161\u0161\u00ed je v\u00e1\u0161 pod\u00edl na spolu\u00fa\u010dasti, t\u00edm m\u00e9n\u011b plat\u00edte na pojistn\u00e9m.<\/p>\n\n\n\n<p>I <strong>vybran\u00e1 rizika <\/strong>m\u016f\u017ee ovlivnit v\u00fdslednou \u010d\u00e1stku spl\u00e1tky pojistn\u00e9ho. D\u016fle\u017eit\u00fd je p\u0159i tom nejen samotn\u00fd v\u00fdb\u011br rizik, ale tak\u00e9 limity, kter\u00e9 si u nich nastav\u00edte.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Pro_se_vyplat_mt_pojitn_domcnosti\">Pro\u010d se vyplat\u00ed m\u00edt poji\u0161t\u011bn\u00ed dom\u00e1cnosti?<\/h2>\n\n\n\n<p><strong>V\u011bt\u0161ina dom\u00e1cnost\u00ed m\u00e1 v sob\u011b za statis\u00edce vybaven\u00ed. D\u00edky n\u00edzk\u00fdm cen\u00e1m poji\u0161t\u011bn\u00ed dom\u00e1cnosti <\/strong>stoj\u00ed tato mo\u017enost za \u00favahu. Pokud m\u00e1te u n\u011bjak\u00e9 spole\u010dnosti sjedn\u00e1no jin\u00e9 poji\u0161t\u011bn\u00ed, \u010dasto pro v\u00e1s znamen\u00e1 v\u00fdhodu v podob\u011b slevy na poji\u0161t\u011bn\u00ed dom\u00e1cnosti. To je dobr\u00e9 si ov\u011b\u0159it.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Na_co_si_dt_pozor\">Na co si d\u00e1t pozor?<\/h3>Pozor si p\u0159edev\u0161\u00edm d\u00e1vejte na to, co v\u0161echno va\u0161e poji\u0161t\u011bn\u00ed dom\u00e1cnosti kryje. Aby se v\u00e1m v p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti nestalo, \u017ee zjist\u00edte, \u017ee dan\u00e9 riziko nem\u00e1te zahrnuto ve smlouv\u011b. M\u016f\u017ee se jednat nap\u0159\u00edklad o poji\u0161t\u011bn\u00ed skel, sklepa, balkon\u016f nebo ko\u010d\u00e1rk\u00e1rny.<\/div>\n\n\n<p>Pokud si \u0159\u00edk\u00e1te, \u017ee vybaven\u00ed dom\u00e1cnosti u\u017e nem\u00e1 smysl poji\u0161\u0165ovat, proto\u017ee je star\u00e9 a poji\u0161\u0165ovna bude uplat\u0148ovat ode\u010dty z po\u0159izovac\u00ed ceny, tak v\u011bzte \u017ee<strong> n\u011bkter\u00e9 poji\u0161\u0165ovny v\u00e1m zaru\u010d\u00ed pojistn\u00e9 pln\u011bn\u00ed v\u017edy v nov\u00fdch cen\u00e1ch bez amortizace. <\/strong>To je o d\u016fvod nav\u00edc, pro\u010d poji\u0161t\u011bn\u00ed dom\u00e1cnosti zva\u017eovat.<\/p>\n\n\n\n<p><em>Vyu\u017eijte proto nab\u00eddek na\u0161ich p\u0159edn\u00edch poji\u0161\u0165oven je\u0161t\u011b dnes!<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Vhody_a_nevhody\">V\u00fdhody a nev\u00fdhody<\/h2>\n\n\n<h3><\/h3>\n<p><\/p>\n<ul>\n<li>Sou\u010d\u00e1st\u00ed b\u00fdv\u00e1 i poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/li>\n<li>Pojist\u00edte i v\u011bci k va\u0161\u00ed pr\u00e1ci nebo podn\u00e1jem<\/li>\n<li>Z\u00edsk\u00e1te p\u0159\u00edstup k asisten\u010dn\u00edm slu\u017eb\u00e1m \u2013 z\u00e1me\u010dn\u00edk, instalat\u00e9r a pod.<\/li>\n<\/ul>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><li>\n<p>Mus\u00edte m\u00edt dob\u0159e zabezpe\u010den\u00fd d\u016fm nebo byt<\/p>\n<\/li><li>\n<p>Ve velk\u00fdch m\u011bstech a na samot\u00e1ch jsou pojistky dra\u017e\u0161\u00ed<\/p>\n<\/li><li>\n<p>N\u011bkter\u00e9 v\u011bci se p\u0159ipoji\u0161\u0165uj\u00ed zvl\u00e1\u0161\u0165 \u2013 sb\u00edrky, dra\u017e\u0161\u00ed podlahov\u00e9 krytiny<\/p>\n<\/li><\/ul><\/div>\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"asto_kladen_dotazy\">\u010casto kladen\u00e9 dotazy<\/h3><h4>Co je poji\u0161t\u011bn\u00ed dom\u00e1cnosti?<\/h4><div class=\"faq_inner\">Jedn\u00e1 se o poji\u0161t\u011bn\u00ed, kter\u00e9 finan\u010dn\u011b hrad\u00ed ve\u0161ker\u00e9 vznikl\u00e9 \u0161kody na p\u0159edm\u011btech nach\u00e1zej\u00edc\u00edch se uvnit\u0159 poji\u0161t\u011bn\u00e9 nemovitosti. Pojistn\u00e1 \u010d\u00e1stka u tohoto typu poji\u0161t\u011bn\u00ed odpov\u00edd\u00e1 hodnot\u011b poji\u0161t\u011bn\u00e9ho majetku. M\u016f\u017ee se jednat o n\u00e1bytek, elektroniku, \u0161atstvo p\u0159\u00edpadn\u011b jin\u00e9 cennosti.<\/div><h4>Jak\u00fd je rozd\u00edl mezi poji\u0161t\u011bn\u00edm dom\u00e1cnosti a nemovitosti?<\/h4><div class=\"faq_inner\">Poji\u0161t\u011bn\u00ed nemovitosti kryje v\u0161e, co by mohlo po\u0161kodit nemovitost z venku. Na rozd\u00edl od toho poji\u0161t\u011bn\u00ed dom\u00e1cnosti kryje v\u0161e, co se nach\u00e1z\u00ed uvnit\u0159 poji\u0161t\u011bn\u00e9 nemovitosti, a p\u0159\u00edpadn\u00e9 \u0161kody z toho vznikl\u00e9.<\/div><h4>Co je p\u0159edm\u011btem poji\u0161t\u011bn\u00ed dom\u00e1cnosti?<\/h4><div class=\"faq_inner\">Jak jsme ji\u017e zmi\u0148ovali, jedn\u00e1 se o v\u0161e, co se nach\u00e1z\u00ed uvnit\u0159 nemovitosti, tedy nap\u0159\u00edklad: osobn\u00ed v\u011bci, po\u010d\u00edta\u010de, elektroniku, n\u00e1bytek, \u0161perky a podobn\u011b.<\/div><h4>Lze sjednat poji\u0161t\u011bn\u00ed dom\u00e1cnosti online?<\/h4><div class=\"faq_inner\">Poji\u0161t\u011bn\u00ed dom\u00e1cnosti online m\u016f\u017eete z\u00edskat tak\u00e9 na na\u0161ich str\u00e1nk\u00e1ch. Sta\u010d\u00ed si porovnat jednotliv\u00e9 poskytovatele poji\u0161t\u011bn\u00ed a vybrat si takov\u00e9ho poskytovatele, kter\u00fd nejv\u00edce vyhovuje va\u0161im pot\u0159eb\u00e1m. Nezapome\u0148te si p\u0159e\u010d\u00edst autentick\u00e9 recenze na\u0161ich n\u00e1v\u0161t\u011bvn\u00edk\u016f.<\/div><h4>Jak vybrat nejlep\u0161\u00ed poji\u0161t\u011bn\u00ed dom\u00e1cnosti?<\/h4><div class=\"faq_inner\">To, kter\u00e9 poji\u0161t\u011bn\u00ed dom\u00e1cnosti je nejl\u00e9pe z\u00e1vis\u00ed zejm\u00e9na na tom, jak\u00e9 konkr\u00e9tn\u011b pot\u0159ebujete. V\u0161\u00edmejte si zejm\u00e9na, co kter\u00e9 poji\u0161t\u011bn\u00ed dom\u00e1cnosti kryje, tedy jak\u00e1 rizika. Zda se lze proti ur\u010dit\u00fdm rizik\u016fm p\u0159ipojistit a podobn\u011b. D\u016fle\u017eit\u00e9 je tak\u00e9 spr\u00e1vn\u00e9 nastaven\u00ed limit\u016f. A na z\u00e1v\u011br je t\u0159eba vylou\u010dit z pojistky v\u0161e, co nepot\u0159ebujete.<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Prakticky ka\u017ed\u00e9mu se vyplat\u00ed pojistit si dom\u00e1cnost. To pak po finan\u010dn\u00ed str\u00e1nce pokryje n\u00e1klady p\u0159i jej\u00edm po\u0161kozen\u00ed a chr\u00e1n\u00ed v\u00e1s\u2026 <\/p>\n","protected":false},"author":16452,"featured_media":4078,"parent":4383,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":true,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false,"footnotes":""},"tags":[61],"_links":{"self":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/pages\/5735"}],"collection":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/users\/16452"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/comments?post=5735"}],"version-history":[{"count":50,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/pages\/5735\/revisions"}],"predecessor-version":[{"id":51642,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/pages\/5735\/revisions\/51642"}],"up":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/pages\/4383"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/media\/4078"}],"wp:attachment":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/media?parent=5735"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/tags?post=5735"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}