{"id":107209,"date":"2026-05-23T00:13:06","date_gmt":"2026-05-22T22:13:06","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=107209"},"modified":"2026-05-22T13:57:31","modified_gmt":"2026-05-22T11:57:31","slug":"potopa-pozar-nebo-vykradeni-jak-spravne-pojistit-chatu-a-chalupu-proti-nejcastejsim-skodam","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2026\/05\/23\/potopa-pozar-nebo-vykradeni-jak-spravne-pojistit-chatu-a-chalupu-proti-nejcastejsim-skodam\/","title":{"rendered":"Potopa, po\u017e\u00e1r nebo vykraden\u00ed. Jak spr\u00e1vn\u011b pojistit chatu a chalupu proti nej\u010dast\u011bj\u0161\u00edm \u0161kod\u00e1m?"},"content":{"rendered":"<div id=\"fb-root\"><\/div>\n<p><strong>Chata nebo chalupa nejsou jen m\u00edstem odpo\u010dinku, ale \u010dasto tak\u00e9 velkou finan\u010dn\u00ed investic\u00ed. Na rozd\u00edl od b\u011b\u017en\u00e9ho bydlen\u00ed v\u0161ak b\u00fdvaj\u00ed rekrea\u010dn\u00ed objekty dlouh\u00e9 dny nebo t\u00fddny bez dozoru, a pr\u00e1v\u011b proto jsou mnohem v\u00edce vystaven\u00e9 r\u016fzn\u00fdm rizik\u016fm. Spr\u00e1vn\u011b nastaven\u00e9 poji\u0161t\u011bn\u00ed proto m\u016f\u017ee majitele ochr\u00e1nit p\u0159ed ne\u010dekan\u00fdmi v\u00fddaji.<\/strong><\/p>\n<p>Jak\u00e9 jsou nej\u010dast\u011bj\u0161\u00ed \u0161kody, kter\u00e9 mohou majitele chat a chalup v\u00a0letn\u00edch m\u011bs\u00edc\u00edch potkat, a jak\u00e9 typy poji\u0161t\u011bn\u00ed se vyplat\u00ed m\u00edt spr\u00e1vn\u011b nastaven\u00e9?<\/p>\n<h3><strong>Potopa nebo po\u0161kozen\u00e1 st\u0159echa od vich\u0159ice? Kvalitn\u00ed poji\u0161t\u011bn\u00ed je z\u00e1klad<\/strong><\/h3>\n<p>Jedn\u00edm z nej\u010dast\u011bj\u0161\u00edch d\u016fvod\u016f \u0161kod na chat\u00e1ch a chalup\u00e1ch b\u00fdv\u00e1 po\u010das\u00ed. Vich\u0159ice m\u016f\u017ee po\u0161kodit st\u0159echu, krupobit\u00ed rozb\u00edt okna a p\u0159\u00edvalov\u00e9 de\u0161t\u011b zp\u016fsobit zate\u010den\u00ed vody do objektu a poni\u010dit vybaven\u00ed. Z\u00e1kladem by proto m\u011blo b\u00fdt kvalitn\u00ed poji\u0161t\u011bn\u00ed nemovitosti, kter\u00e9 kryje stavbu a pevn\u00e9 stavebn\u00ed sou\u010d\u00e1sti, ale i poji\u0161t\u011bn\u00ed dom\u00e1cnosti zam\u011b\u0159en\u00e9 na vybaven\u00ed dom\u00e1cnosti. Rozsah kryt\u00ed p\u0159itom nelze podcenit. <em>\u201eD\u016fle\u017eit\u00e9 je zkontrolovat, co v\u0161echno smlouva skute\u010dn\u011b zahrnuje. N\u011bkter\u00e9 levn\u011bj\u0161\u00ed varianty toti\u017e nemus\u00ed obsahovat nap\u0159\u00edklad \u0161kody zp\u016fsoben\u00e9 atmosf\u00e9rick\u00fdmi sr\u00e1\u017ekami,\u201c<\/em> upozor\u0148uje Andrea Br\u00e1dlerov\u00e1 z\u00a0online srovn\u00e1va\u010de RIXO.cz a doporu\u010duje myslet tak\u00e9 na tak\u00e9 na vedlej\u0161\u00ed stavby, jako jsou pergoly, gar\u00e1\u017ee nebo zahradn\u00ed domky. I ty mohou b\u00fdt vlivem p\u0159\u00edrodn\u00edch \u017eivl\u016f po\u0161kozen\u00e9, ale \u0159ada majitel\u016f zjist\u00ed a\u017e po \u0161kod\u011b, \u017ee je v pojistce v\u016fbec nem\u00e1 zahrnut\u00e9.<\/p>\n<p>V\u00a0p\u0159\u00edpad\u011b povodn\u00ed a z\u00e1plav ov\u0161em hraje velkou roli p\u0159i sjedn\u00e1v\u00e1n\u00ed poji\u0161t\u011bn\u00ed lokalita, ve kter\u00e9 se chata nebo chalupa nach\u00e1z\u00ed. Poji\u0161\u0165ovny toti\u017e i u rekrea\u010dn\u00edch objekt\u016f pe\u010dliv\u011b vyhodnocuj\u00ed riziko povodn\u00ed a z\u00e1plav, kter\u00e9 m\u016f\u017ee v\u00fdrazn\u011b ovlivnit nejen cenu poji\u0161t\u011bn\u00ed, ale i samotn\u00fd rozsah kryt\u00ed. <em>\u201ePokud se nemovitost nach\u00e1z\u00ed ve 4. povod\u0148ov\u00e9 z\u00f3n\u011b, b\u00fdv\u00e1 situace s poji\u0161t\u011bn\u00edm v\u00fdrazn\u011b slo\u017eit\u011bj\u0161\u00ed. Samotn\u00e9 poji\u0161t\u011bn\u00ed objektu sice lze sjednat, ale p\u0159ipoji\u0161t\u011bn\u00ed proti povodni a z\u00e1plav\u011b v t\u011bchto oblastech poji\u0161\u0165ovny nenab\u00edzej\u00ed v\u016fbec, p\u0159\u00edpadn\u011b za tak\u0159ka astronomickou cenu. U nemovitost\u00ed v rizikov\u011bj\u0161\u00edch povod\u0148ov\u00fdch z\u00f3n\u00e1ch je nav\u00edc pot\u0159eba po\u010d\u00edtat s vy\u0161\u0161\u00ed cenou poji\u0161t\u011bn\u00ed, proto\u017ee poji\u0161\u0165ovny zohled\u0148uj\u00ed zv\u00fd\u0161en\u00e9 riziko \u0161kod,\u201c <\/em>dod\u00e1v\u00e1 Br\u00e1dlerov\u00e1.<\/p>\n<h3><strong>Vykraden\u00e1 chalupa. Poji\u0161\u0165ovny \u0159e\u0161\u00ed i zabezpe\u010den\u00ed<\/strong><\/h3>\n<p>Rekrea\u010dn\u00ed objekty b\u00fdvaj\u00ed pro zlod\u011bje snadn\u00fdm c\u00edlem. Pokud chata stoj\u00ed v odlehlej\u0161\u00ed oblasti a je \u010dasto pr\u00e1zdn\u00e1, riziko vloup\u00e1n\u00ed v\u00fdrazn\u011b roste. \u0160kody nav\u00edc \u010dasto nevznikaj\u00ed jen odcizen\u00edm vybaven\u00ed, ale i samotn\u00fdm po\u0161kozen\u00edm objektu p\u0159i vloup\u00e1n\u00ed. Krom\u011b poji\u0161t\u011bn\u00ed stavby je proto d\u016fle\u017eit\u00e9 sjednat tak\u00e9 poji\u0161t\u011bn\u00ed dom\u00e1cnosti, kter\u00e9 chr\u00e1n\u00ed vybaven\u00ed uvnit\u0159 objektu \u2013 nap\u0159\u00edklad n\u00e1bytek, elektroniku nebo i sportovn\u00ed vybaven\u00ed a n\u00e1\u0159ad\u00ed.<\/p>\n<p>Poji\u0161\u0165ovny ale z\u00e1rove\u0148 \u0159e\u0161\u00ed \u00farove\u0148 zabezpe\u010den\u00ed objektu. <em>\u201eU vy\u0161\u0161\u00edch \u0161kod mohou posuzovat nap\u0159\u00edklad p\u0159\u00edtomnost bezpe\u010dnostn\u00edch z\u00e1mk\u016f, dostate\u010dn\u011b zabezpe\u010den\u00fdch oken nebo alarmu. Pokud objekt nespl\u0148uje minim\u00e1ln\u00ed podm\u00ednky zabezpe\u010den\u00ed, m\u016f\u017ee poji\u0161\u0165ovna pojistn\u00e9 pln\u011bn\u00ed kr\u00e1tit nebo v krajn\u00edm p\u0159\u00edpad\u011b odm\u00edtnout,\u201c <\/em>uv\u00e1d\u00ed Br\u00e1dlerov\u00e1.<\/p>\n<h3><strong>Po\u017e\u00e1r? Myslete i na poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/strong><\/h3>\n<p>Po\u017e\u00e1r pat\u0159\u00ed mezi nejv\u00e1\u017en\u011bj\u0161\u00ed \u0161kody, kter\u00e9 mohou rekrea\u010dn\u00ed objekt postihnout. P\u0159\u00ed\u010dinou b\u00fdv\u00e1 \u010dasto star\u00e1 elektroinstalace, kamna, krb nebo \u00fader blesku. U d\u0159ev\u011bn\u00fdch chat se nav\u00edc ohe\u0148 \u0161\u00ed\u0159\u00ed velmi rychle a \u0161kody b\u00fdvaj\u00ed devastuj\u00edc\u00ed. D\u016fle\u017eit\u00e9 je pravideln\u011b kontrolovat technick\u00fd stav objektu, kom\u00edny i topn\u00e1 za\u0159\u00edzen\u00ed.<\/p>\n<p>Krom\u011b poji\u0161t\u011bn\u00ed nemovitosti i dom\u00e1cnosti pak Andrea Br\u00e1dlerov\u00e1 z\u00a0RIXO.cz upozor\u0148uje i na d\u016fle\u017eitost poji\u0161t\u011bn\u00ed odpov\u011bdnosti z\u00a0vlastnictv\u00ed nemovitosti. \u201e<em>To m\u016f\u017ee b\u00fdt z\u00e1sadn\u00ed nap\u0159\u00edklad ve chv\u00edli, kdy se po\u017e\u00e1r roz\u0161\u00ed\u0159\u00ed na sousedn\u00ed objekt nebo strom na va\u0161em pozemku po\u0161kod\u00ed ciz\u00ed majetek. Bez poji\u0161t\u011bn\u00ed by majitel musel \u0161kody hradit z vlastn\u00edch pen\u011bz,\u201c<\/em> dod\u00e1v\u00e1.<\/p>\n<h3><strong>Cena poji\u0161t\u011bn\u00ed<\/strong><\/h3>\n<p>V\u00fd\u0161e poji\u0161t\u011bn\u00ed chaty nebo chalupy z\u00e1vis\u00ed p\u0159edev\u0161\u00edm na spr\u00e1vn\u011b stanoven\u00e9 hodnot\u011b nemovitosti. Sjednan\u00e1 \u010d\u00e1stka by m\u011bla odpov\u00eddat reproduk\u010dn\u00ed cen\u011b, tedy cen\u011b, za kterou by bylo mo\u017en\u00e9 nemovitost znovu postavit. Spr\u00e1vn\u00e9 nastaven\u00ed poji\u0161t\u011bn\u00ed je velmi d\u016fle\u017eit\u00e9, aby nedo\u0161lo k podpoji\u0161t\u011bn\u00ed. V\u00fdznamnou roli hraje tak\u00e9 lokalita, nap\u0159\u00edklad zda se nemovitost nach\u00e1z\u00ed p\u0159\u00edmo v obci, nebo na odlehlej\u0161\u00edm m\u00edst\u011b, stejn\u011b jako m\u00edra rizika povodn\u00ed, z\u00e1plav \u010di vloup\u00e1n\u00ed v dan\u00e9 oblasti. V\u00fd\u0161e pojistn\u00e9ho se d\u00e1le odv\u00edj\u00ed od rozsahu sjednan\u00e9ho kryt\u00ed, technick\u00e9ho stavu objektu nebo hodnoty vybaven\u00ed dom\u00e1cnosti.<\/p>\n<h3><strong>P\u0159\u00edklad:<\/strong><\/h3>\n<p>Chata v Nov\u00e9m Stra\u0161ec\u00ed o velikosti 40 m\u00b2 s reproduk\u010dn\u00ed hodnotou nemovitosti 700 000 K\u010d a vybaven\u00edm dom\u00e1cnosti v hodnot\u011b 150 000 K\u010d vych\u00e1z\u00ed poji\u0161t\u011bn\u00ed nemovitosti a dom\u00e1cnosti proti v\u0161em rizik\u016fm v\u010detn\u011b odpov\u011bdnosti z vlastnictv\u00ed s limitem 20 milion\u016f K\u010d p\u0159ibli\u017en\u011b na 1 862 K\u010d ro\u010dn\u011b. <em>(zdroj: data RIXO.cz)<\/em><\/p>\n<h3><strong>O slu\u017eb\u011b RIXO<\/strong><\/h3>\n<p>Online poji\u0161\u0165ovac\u00ed slu\u017eba RIXO.cz pom\u00e1h\u00e1 od roku 2018 naj\u00edt klient\u016fm nejlevn\u011bj\u0161\u00ed a nejv\u00fdhodn\u011bj\u0161\u00ed poji\u0161t\u011bn\u00ed. Op\u00edr\u00e1 se o nejmodern\u011bj\u0161\u00ed technologie na trhu, d\u00edky kter\u00fdm lze z\u00edskat srovn\u00e1n\u00ed nab\u00eddek b\u011bhem n\u011bkolik vte\u0159in, a know-how zku\u0161en\u00fdch expert\u016f. Srovnat a sjednat si lze povinn\u00e9 ru\u010den\u00ed a havarijn\u00ed poji\u0161t\u011bn\u00ed, poji\u0161t\u011bn\u00ed majetku, \u017eivotn\u00ed a \u00farazov\u00e9 poji\u0161t\u011bn\u00ed, poji\u0161t\u011bn\u00ed odpov\u011bdnosti, cestovn\u00ed poji\u0161t\u011bn\u00ed, energie, hypot\u00e9ky nebo spot\u0159ebitelsk\u00e9 \u00fav\u011bry. RIXO.cz jako jedin\u00fd srovn\u00e1va\u010d nab\u00edz\u00ed i mobiln\u00ed aplikaci, ve kter\u00e9 klienti naleznou sv\u00e9 pojistky pohromad\u011b. Smlouvy slu\u017eba ka\u017ed\u00fd rok zkontroluje a v p\u0159\u00edpad\u011b pot\u0159eby doporu\u010d\u00ed v\u00fdhodn\u011bj\u0161\u00ed a levn\u011bj\u0161\u00ed varianty pojistek.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-1185\" src=\"http:\/\/www.infokuryr.cz\/n\/wp-content\/uploads\/2021\/04\/kuryr-podpis.png\" alt=\"\" width=\"84\" height=\"24\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Chata nebo chalupa nejsou jen m\u00edstem odpo\u010dinku, ale \u010dasto tak\u00e9 velkou finan\u010dn\u00ed investic\u00ed. Na rozd\u00edl&#8230;<\/p>\n","protected":false},"author":2,"featured_media":107210,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[11025,514,331],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/107209"}],"collection":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/comments?post=107209"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/107209\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/107210"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=107209"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=107209"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=107209"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}