{"id":30644,"date":"2026-01-22T08:43:22","date_gmt":"2026-01-22T07:43:22","guid":{"rendered":"https:\/\/www.cyprusproperties.sk\/pojisteni-majetku-na-kypru\/"},"modified":"2026-02-01T21:23:15","modified_gmt":"2026-02-01T20:23:15","slug":"pojisteni-majetku-na-kypru","status":"publish","type":"post","link":"https:\/\/www.cyprusproperties.sk\/cs\/pojisteni-majetku-na-kypru\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed majetku na Kypru"},"content":{"rendered":"\n

\ud83c\udfe1 Z\u00e1kladn\u00ed informace<\/strong>Poji\u0161t\u011bn\u00ed nemovitosti na Kypru nen\u00ed ze z\u00e1kona povinn\u00e9,<\/strong>, ale d\u016frazn\u011b se doporu\u010duje – zejm\u00e9na u<\/strong>byt\u016f ve v\u00fdstavb\u011b, pron\u00e1jmu nebo n\u00e1kupu financovan\u00e9ho hypot\u00e9kou.<\/p>\n\n

Pokud je nemovitost financov\u00e1na bankou, je poji\u0161t\u011bn\u00ed povinn\u00e9 po celou dobu trv\u00e1n\u00ed \u00fav\u011bru<\/strong>.V ostatn\u00edch p\u0159\u00edpadech je na rozhodnut\u00ed majitele, jak\u00fd typ poji\u0161t\u011bn\u00ed zvol\u00ed a v jak\u00e9 v\u00fd\u0161i kryt\u00ed.<\/p>\n\n

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1\ufe0f\u20e3 Typy poji\u0161t\u011bn\u00ed majetku<\/strong><\/p>\n\n

Typ poji\u0161t\u011bn\u00ed<\/th>Popis<\/th>Doporu\u010deno pro<\/th><\/tr><\/thead>
Poji\u0161t\u011bn\u00ed budov<\/td>Kryje \u0161kody na konstrukci – st\u011bny, st\u0159echa, elektrick\u00e9 syst\u00e9my, instalace.<\/td>V\u0161echny vlastnosti<\/td><\/tr>
Poji\u0161t\u011bn\u00ed obsahu<\/td>Zahrnuje vybaven\u00ed, n\u00e1bytek, spot\u0159ebi\u010de<\/td>Pron\u00e1jem nebo trvale ob\u00fdvan\u00e9 byty<\/td><\/tr>
Poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/td>Kryje \u0161kody zp\u016fsoben\u00e9 t\u0159et\u00edm osob\u00e1m (nap\u0159. vytopen\u00ed bytu souseda).<\/td>Byty v obytn\u00fdch budov\u00e1ch<\/td><\/tr>
Ochrana pron\u00e1jmu<\/td>Kryje ztr\u00e1tu p\u0159\u00edjmu z pron\u00e1jmu a \u0161kody zp\u016fsoben\u00e9 n\u00e1jemcem.<\/td>Investi\u010dn\u00ed byty<\/td><\/tr>
Komplexn\u00ed z\u00e1sady pro dom\u00e1cnosti<\/td>Bal\u00ed\u010dek „v\u0161e v jednom“ (budova + obsah + odpov\u011bdnost)<\/td>Rodinn\u00e9 domy a vily<\/td><\/tr><\/tbody><\/table><\/figure>\n\n

\ud83d\udca1 V\u011bt\u0161ina poji\u0161\u0165oven nab\u00edz\u00ed bal\u00ed\u010dky, kter\u00e9 lze p\u0159izp\u016fsobit na z\u00e1klad\u011b hodnoty nemovitosti a jej\u00edho obsahu.<\/p>\n\n

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2\ufe0f\u20e3 Hlavn\u00ed poji\u0161t\u011bn\u00e1 rizika<\/strong>Standardn\u00ed poji\u0161t\u011bn\u00ed majetku na Kypru obvykle zahrnuje:<\/p>\n\n

\u2705 Po\u017e\u00e1r, kou\u0159, v\u00fdbuch\u2705 Bou\u0159e, siln\u00fd v\u00edtr, blesk\u2705 Z\u00e1plavy, \u00fanik vody z potrub\u00ed\u2705 Kr\u00e1de\u017e, vloup\u00e1n\u00ed, vandalismus\u2705 Sklen\u011bn\u00e9 plochy, okna, dve\u0159e\u2705 P\u00e1d p\u0159edm\u011bt\u016f, n\u00e1raz vozidla\u2705 N\u00e1klady na do\u010dasn\u00e9 ubytov\u00e1n\u00ed po \u0161kod\u011b<\/p>\n\n

\ud83d\udca1 Roz\u0161\u00ed\u0159en\u00e9 pojistky se mohou vztahovat tak\u00e9 na zem\u011bt\u0159esen\u00ed, v\u00edtr o s\u00edle hurik\u00e1nu nebo n\u00e1raz letadla (vz\u00e1cn\u011b, ale v ji\u017en\u00edch oblastech je to mo\u017en\u00e9).<\/p>\n\n

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3\ufe0f\u20e3 Poji\u0161t\u011bn\u00ed b\u011bhem v\u00fdstavby (f\u00e1ze v\u00fdstavby<\/strong>)Pokud je nemovitost je\u0161t\u011b ve v\u00fdstavb\u011b, odpov\u011bdnost za poji\u0161t\u011bn\u00ed nese developer<\/strong>.Develope\u0159i obvykle dr\u017e\u00ed:<\/p>\n\n

    \n
  • Poji\u0161t\u011bn\u00ed v\u0161ech rizik dodavatele<\/strong> – vztahuje se na stavebn\u00ed pr\u00e1ce, stroje a \u00farazy pracovn\u00edk\u016f,<\/li>\n\n\n\n
  • Poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu<\/strong> – kryje \u0161kody zp\u016fsoben\u00e9 t\u0159et\u00edm osob\u00e1m b\u011bhem v\u00fdstavby.<\/li>\n<\/ul>\n\n

    Po p\u0159ed\u00e1n\u00ed<\/strong> bytu nebo domu si kupuj\u00edc\u00ed uzav\u0159e vlastn\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n\n

    \n\n

    4\ufe0f\u20e3 N\u00e1klady na poji\u0161t\u011bn\u00ed<\/strong>Ceny se li\u0161\u00ed v z\u00e1vislosti na hodnot\u011b a lokalit\u011b, ale orienta\u010dn\u00ed ro\u010dn\u00ed n\u00e1klady jsou n\u00e1sleduj\u00edc\u00ed:<\/p>\n\n

    Typ nemovitosti<\/th>Poji\u0161t\u011bn\u00e1 hodnota<\/th>Ro\u010dn\u00ed pojistn\u00e9<\/th><\/tr><\/thead>
    Apartm\u00e1n s 1 lo\u017enic\u00ed<\/td>\u20ac150,000<\/td>\u20ac100 – \u20ac150<\/td><\/tr>
    Apartm\u00e1n se 2-3 lo\u017enicemi<\/td>\u20ac250,000<\/td>\u20ac150 – \u20ac250<\/td><\/tr>
    D\u016fm \/ vila<\/td>\u20ac400,000<\/td>\u20ac250 – \u20ac400<\/td><\/tr>
    P\u0159\u00edplatek za obsah<\/td>+\u20ac50 – \u20ac100<\/td>V z\u00e1vislosti na hodnot\u011b obsahu<\/td><\/tr><\/tbody><\/table><\/figure>\n\n

    \ud83d\udca1 V\u011bt\u0161ina pojistek se plat\u00ed ro\u010dn\u011b nebo pololetn\u011b,s mo\u017enost\u00ed automatick\u00e9ho obnoven\u00ed.<\/p>\n\n

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    5\ufe0f\u20e3 Zn\u00e1m\u00e9 poji\u0161\u0165ovny na Kypru<\/strong><\/p>\n\n

      \n
    • Eurolife<\/li>\n\n\n\n
    • Poji\u0161t\u011bn\u00ed Atlantic<\/li>\n\n\n\n
    • Univerz\u00e1ln\u00ed \u017eivot<\/li>\n\n\n\n
    • Poji\u0161t\u011bn\u00ed Pancyprian<\/li>\n\n\n\n
    • Poji\u0161t\u011bn\u00ed Prime<\/li>\n\n\n\n
    • Trust Insurance Kypr<\/li>\n\n\n\n
    • Allianz Kypr<\/li>\n<\/ul>\n\n

      \ud83d\udca1 V\u0161echny nab\u00edzej\u00ed dokumentaci v angli\u010dtin\u011b, online \u017e\u00e1dosti a platbu kartou nebo bankovn\u00edm p\u0159evodem.Poji\u0161t\u011bn\u00ed lze sjednat tak\u00e9 prost\u0159ednictv\u00edm pr\u00e1vn\u00edka nebo realitn\u00ed kancel\u00e1\u0159e.<\/p>\n\n

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      6\ufe0f\u20e3 Poji\u0161t\u011bn\u00ed pronaj\u00edman\u00fdch nemovitost\u00ed<\/strong>Pokud je nemovitost pronaj\u00edm\u00e1na (dlouhodob\u011b nebo kr\u00e1tkodob\u011b – Airbnb, Booking), nemus\u00ed se<\/strong> standardn\u00ed poji\u0161t\u011bn\u00edvztahovat na \u0161kody zp\u016fsoben\u00e9 n\u00e1jemcem.<\/p>\n\n

      Doporu\u010duje se p\u0159idat:<\/p>\n\n

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      • Kryt\u00ed \u0161kod zp\u016fsoben\u00fdch n\u00e1jemcem<\/strong> – kryje \u00famysln\u00e9 \u0161kody zp\u016fsoben\u00e9 n\u00e1jemcem,<\/li>\n\n\n\n
      • Ztr\u00e1ta n\u00e1jemn\u00e9ho<\/strong> – kompenzuje ztr\u00e1tu p\u0159\u00edjm\u016f z pron\u00e1jmu b\u011bhem oprav,<\/li>\n\n\n\n
      • Odpov\u011bdnost za \u0161kodu<\/strong> – vztahuje se na zran\u011bn\u00ed host\u016f nebo n\u00e1v\u0161t\u011bvn\u00edk\u016f.<\/li>\n<\/ul>\n\n

        \ud83d\udca1 Hostitel\u00e9 Airbnb mus\u00ed m\u00edt poji\u0161t\u011bn\u00ed, kter\u00e9 v\u00fdslovn\u011b povoluje kr\u00e1tkodob\u00e9 pron\u00e1jmy<\/strong>.<\/p>\n\n

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        7\ufe0f\u20e3 Hypot\u00e9ka a poji\u0161t\u011bn\u00ed<\/strong>P\u0159i n\u00e1kupu na hypot\u00e9ku je poji\u0161t\u011bn\u00ed povinn\u00e9<\/strong>.Banky obvykle vy\u017eaduj\u00ed:<\/p>\n\n

          \n
        • Poji\u0161t\u011bn\u00ed budovy s<\/strong> kryt\u00edm minim\u00e1ln\u011b ve v\u00fd\u0161i \u00fav\u011bru,<\/li>\n\n\n\n
        • Politika p\u0159id\u011blena (zaznamen\u00e1na) ve prosp\u011bch banky,<\/li>\n\n\n\n
        • Ro\u010dn\u00ed obnoven\u00ed s potvrzen\u00edm poskytnut\u00fdm bance.<\/li>\n<\/ul>\n\n
          \n\n

          8\ufe0f\u20e3 Jak sjednat poji\u0161t\u011bn\u00ed majetku<\/strong><\/p>\n\n

            \n
          • Odhad skute\u010dn\u00e9 hodnoty nemovitosti<\/strong> (bez pozemku).<\/li>\n\n\n\n
          • Vyberte si pojistitele a bal\u00ed\u010dek podle rizik.<\/li>\n\n\n\n
          • Vypl\u0148te \u017e\u00e1dost (adresa, velikost, hodnota obsahu).<\/li>\n\n\n\n
          • Poji\u0161t\u011bn\u00ed za\u010d\u00edn\u00e1 dnem podpisu nebo podle dohody.<\/li>\n\n\n\n
          • Platbu lze prov\u00e9st online, kartou nebo bankovn\u00edm p\u0159evodem.<\/li>\n\n\n\n
          • \u0160kody se hl\u00e1s\u00ed telefonicky nebo online – poji\u0161\u0165ovna jmenuje likvid\u00e1tora \u0161kod.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"

            \ud83c\udfe1 Z\u00e1kladn\u00ed informacePoji\u0161t\u011bn\u00ed nemovitosti na Kypru nen\u00ed ze z\u00e1kona povinn\u00e9,, ale d\u016frazn\u011b se doporu\u010duje – zejm\u00e9na ubyt\u016f ve v\u00fdstavb\u011b, pron\u00e1jmu nebo n\u00e1kupu financovan\u00e9ho hypot\u00e9kou. Pokud je nemovitost financov\u00e1na bankou, je poji\u0161t\u011bn\u00ed povinn\u00e9 po celou dobu trv\u00e1n\u00ed \u00fav\u011bru.V ostatn\u00edch p\u0159\u00edpadech je na rozhodnut\u00ed majitele, jak\u00fd typ poji\u0161t\u011bn\u00ed zvol\u00ed a v jak\u00e9 v\u00fd\u0161i kryt\u00ed. 1\ufe0f\u20e3 Typy poji\u0161t\u011bn\u00ed…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[670,669,671,672],"tags":[],"class_list":["post-30644","post","type-post","status-publish","format-standard","hentry","category-1-pravni-a-administrativni-otazky","category-informace-pro-kupujici","category-jizni-kypr","category-zakony-jizni-kypr"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/posts\/30644","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/comments?post=30644"}],"version-history":[{"count":1,"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/posts\/30644\/revisions"}],"predecessor-version":[{"id":30646,"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/posts\/30644\/revisions\/30646"}],"wp:attachment":[{"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/media?parent=30644"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/categories?post=30644"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/tags?post=30644"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}