ביטוח מבנה • Goldfus Insurance

ביטוח מבנה

גם אם תכולת הנכס מבוטחת, חשוב לזכור לבטח את המבנה. כמו במקרה של ביטוח תכולה, ביטוח מבנה יכול להגן מפני נזקי שריפה, מים, רעידת אדמה, פעולות טרור, נזק בזדון ועוד.
בעת קביעת סכום הביטוח, חשוב לישקול את אופן ההיתנהלות במקרה של אובדן מוחלט.
ישנן שתי דרכים לחישוב סכום ביטוח המבנה:
1. ביטוח לפי עלות בנייה מחדש – ביטוח זה מכסה את עלות בנייתו מחדש של המבנה במקרה של נזק מוחלט, ואמור לאפשר לכם לבנות מחדש את המבנה. בין אם בבניין או בבניית קרקע.
יש לשים לב כי יכולת הבנייה של המבנה בבניין עלולה להיות תלויה באחרים וביכולתם לבנות את חלקם בבניין . כיסוי מסוג זה יכול להשאיר בעלי נכסים בחוסר.
2. ביטוח לפי 'שווי שוק' – ביטוח זה מכסה את עלות בנייתו מחדש של הנכס. יחד עם זאת במקרה של נזק מוחלט בו לא מתאפשרת בניה מחדש של הנכס, חברת הביטוח תשלים פיצוי של 'שווי הקרקע' , מה שיאפשר לכם לרכוש נכס אחר בכל מקום שהוא בישראל.
גולדפוס ביטוח והשקעות אינה אחראית בכל דרך לשינויי חקיקה בישראל העלולים להשפיע על דיוקו של המידע הנ"ל. לבירורים בדבר שינויים באמור, אנא צרו קשר.

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