{"id":30864,"date":"2026-01-22T08:43:22","date_gmt":"2026-01-22T07:43:22","guid":{"rendered":"https:\/\/www.cyprusproperties.sk\/poistenie-nehnutelnosti-na-cypre\/"},"modified":"2026-02-01T21:29:28","modified_gmt":"2026-02-01T20:29:28","slug":"poistenie-nehnutelnosti-na-cypre","status":"publish","type":"post","link":"https:\/\/www.cyprusproperties.sk\/sk\/poistenie-nehnutelnosti-na-cypre\/","title":{"rendered":"Poistenie nehnute\u013enost\u00ed na Cypre"},"content":{"rendered":"\n

\ud83c\udfe1 Z\u00e1kladn\u00e9 inform\u00e1cie<\/strong>Poistenie nehnute\u013enosti na Cypre nie je zo z\u00e1kona povinn\u00e9<\/strong>,, ale<\/strong>d\u00f4razne sa odpor\u00fa\u010da<\/strong>– najm\u00e4 v pr\u00edpade bytov vo v\u00fdstavbe, pren\u00e1jmu alebo n\u00e1kupu financovan\u00e9ho hypot\u00e9kou.<\/p>\n\n

Ak nehnute\u013enos\u0165 financuje banka, poistenie je povinn\u00e9 po\u010das celej doby trvania \u00faveru.<\/strong>V ostatn\u00fdch pr\u00edpadoch je na rozhodnut\u00ed vlastn\u00edka, ak\u00fd typ poistenia si zvol\u00ed a v akej v\u00fd\u0161ke krytia.<\/p>\n\n

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1\ufe0f\u20e3 Typy poistenia nehnute\u013enost\u00ed<\/strong><\/p>\n\n

Typ poistenia<\/th>Popis<\/th>Odpor\u00fa\u010dan\u00e9 pre<\/th><\/tr><\/thead>
Poistenie budov<\/td>Kryje \u0161kody na kon\u0161trukcii – steny, strecha, elektrick\u00e9 syst\u00e9my, in\u0161tal\u00e1cie<\/td>V\u0161etky nehnute\u013enosti<\/td><\/tr>
Poistenie obsahu<\/td>Zah\u0155\u0148a n\u00e1bytok, vybavenie, spotrebi\u010de<\/td>Pren\u00e1jom alebo trvalo ob\u00fdvan\u00e9 byty<\/td><\/tr>
Poistenie zodpovednosti za \u0161kodu<\/td>Kryje \u0161kody sp\u00f4soben\u00e9 tret\u00edm stran\u00e1m (napr. vytopenie bytu suseda)<\/td>Apartm\u00e1ny v obytn\u00fdch budov\u00e1ch<\/td><\/tr>
Ochrana pren\u00e1jmu<\/td>Kryje stratu pr\u00edjmu z pren\u00e1jmu a \u0161kody sp\u00f4soben\u00e9 n\u00e1jomcom<\/td>Investi\u010dn\u00e9 byty<\/td><\/tr>
Komplexn\u00e1 dom\u00e1ca politika<\/td>Bal\u00edk „v\u0161etko v jednom“ (budova + obsah + zodpovednos\u0165)<\/td>Rodinn\u00e9 domy a vily<\/td><\/tr><\/tbody><\/table><\/figure>\n\n

\ud83d\udca1 V\u00e4\u010d\u0161ina pois\u0165ovn\u00ed pon\u00faka bal\u00edky, ktor\u00e9 mo\u017eno prisp\u00f4sobi\u0165 na z\u00e1klade hodnoty nehnute\u013enosti a jej obsahu.<\/p>\n\n

\n\n

2\ufe0f\u20e3 Hlavn\u00e9 poisten\u00e9 rizik\u00e1<\/strong>\u0160tandardn\u00e9 poistenie nehnute\u013enost\u00ed na Cypre zvy\u010dajne pokr\u00fdva:<\/p>\n\n

\u2705 Po\u017eiar, dym, v\u00fdbuch\u2705 B\u00farka, siln\u00fd vietor, blesk\u2705 Z\u00e1plavy, \u00fanik vody z potrubia\u2705 Kr\u00e1de\u017e, vl\u00e1manie, vandalizmus\u2705 Sklenen\u00e9 plochy, okn\u00e1, dvere\u2705 P\u00e1d predmetov, n\u00e1raz vozidla\u2705 N\u00e1klady na do\u010dasn\u00e9 ubytovanie po \u0161kode<\/p>\n\n

\ud83d\udca1 Roz\u0161\u00edren\u00e9 poistenie sa m\u00f4\u017ee vz\u0165ahova\u0165 aj na zemetrasenie, vietor s hurik\u00e1novou silou alebo n\u00e1raz lietadla (zriedkav\u00e9, ale mo\u017en\u00e9 v ju\u017en\u00fdch oblastiach).<\/p>\n\n

\n\n

3\ufe0f\u20e3 Poistenie po\u010das v\u00fdstavby (f\u00e1za v\u00fdstavby)<\/strong>Ak je nehnute\u013enos\u0165 e\u0161te vo v\u00fdstavbe, zodpovednos\u0165 za poistenie nesie developer<\/strong>.Developeri maj\u00fa zvy\u010dajne:<\/p>\n\n

    \n
  • Poistenie v\u0161etk\u00fdch riz\u00edk zhotovite\u013ea – vz\u0165ahuje sa na<\/strong> stavebn\u00e9 pr\u00e1ce, stroje a \u00farazy pracovn\u00edkov,<\/li>\n\n\n\n
  • Poistenie zodpovednosti za \u0161kodu –<\/strong> kryje \u0161kody sp\u00f4soben\u00e9 tret\u00edm stran\u00e1m po\u010das v\u00fdstavby.<\/li>\n<\/ul>\n\n

    Po odovzdan\u00ed<\/strong> bytu alebo domu si kupuj\u00faci uzavrie vlastn\u00e9 poistenie.<\/p>\n\n

    \n\n

    4\ufe0f\u20e3 N\u00e1klady na poistenie<\/strong>Ceny sa l\u00ed\u0161ia v z\u00e1vislosti od hodnoty a lokality, ale orienta\u010dn\u00e9 ro\u010dn\u00e9 n\u00e1klady s\u00fa:<\/p>\n\n

    Typ nehnute\u013enosti<\/th>Poistn\u00e1 hodnota<\/th>Ro\u010dn\u00e9 poistn\u00e9<\/th><\/tr><\/thead>
    Apartm\u00e1n s 1 sp\u00e1l\u0148ou<\/td>\u20ac150,000<\/td>\u20ac100 – \u20ac150<\/td><\/tr>
    Apartm\u00e1n s 2-3 sp\u00e1l\u0148ami<\/td>\u20ac250,000<\/td>\u20ac150 – \u20ac250<\/td><\/tr>
    Dom \/ vila<\/td>\u20ac400,000<\/td>\u20ac250 – \u20ac400<\/td><\/tr>
    Pr\u00edplatok za obsah<\/td>+\u20ac50 – \u20ac100<\/td>V z\u00e1vislosti od hodnoty obsahu<\/td><\/tr><\/tbody><\/table><\/figure>\n\n

    \ud83d\udca1 V\u00e4\u010d\u0161ina poistiek sa plat\u00ed ro\u010dne alebo polro\u010dne,s mo\u017enos\u0165ou automatickej obnovy.<\/p>\n\n

    \n\n

    5\ufe0f\u20e3 Zn\u00e1me pois\u0165ovne na Cypre<\/strong><\/p>\n\n

      \n
    • Eurolife<\/li>\n\n\n\n
    • Poistenie Atlantic<\/li>\n\n\n\n
    • Univerz\u00e1lny \u017eivot<\/li>\n\n\n\n
    • Poistenie Pancyprian<\/li>\n\n\n\n
    • Poistenie Prime<\/li>\n\n\n\n
    • Poistenie d\u00f4very Cyprus<\/li>\n\n\n\n
    • Allianz Cyprus<\/li>\n<\/ul>\n\n

      \ud83d\udca1 V\u0161etky pon\u00fakaj\u00fa dokument\u00e1ciu v angli\u010dtine, online \u017eiadosti a platbu kartou alebo bankov\u00fdm prevodom.Poistenie je mo\u017en\u00e9 vybavi\u0165 aj prostredn\u00edctvom pr\u00e1vnika alebo realitnej kancel\u00e1rie.<\/p>\n\n

      \n\n

      6\ufe0f\u20e3 Poistenie nehnute\u013enost\u00ed na pren\u00e1jom<\/strong>Ak sa nehnute\u013enos\u0165 prenaj\u00edma (dlhodobo alebo kr\u00e1tkodobo – Airbnb, Booking), \u0161tandardn\u00e9<\/strong> poistenienemus\u00ed pokr\u00fdva\u0165 \u0161kody sp\u00f4soben\u00e9 n\u00e1jomcom.<\/p>\n\n

      Odpor\u00fa\u010da sa prida\u0165:<\/p>\n\n

        \n
      • Krytie \u0161k\u00f4d sp\u00f4soben\u00fdch n\u00e1jomcom –<\/strong> kryje \u00famyseln\u00e9 \u0161kody sp\u00f4soben\u00e9 n\u00e1jomcom,<\/li>\n\n\n\n
      • Strata n\u00e1jomn\u00e9ho –<\/strong> kompenzuje stratu pr\u00edjmov z pren\u00e1jmu po\u010das opr\u00e1v,<\/li>\n\n\n\n
      • Zodpovednos\u0165 za \u0161kodu –<\/strong> vz\u0165ahuje sa na zranenia host\u00ed alebo n\u00e1v\u0161tevn\u00edkov.<\/li>\n<\/ul>\n\n

        \ud83d\udca1 Hostitelia Airbnb musia ma\u0165 poistenie, ktor\u00e9 v\u00fdslovne umo\u017e\u0148uje kr\u00e1tkodob\u00fd pren\u00e1jom.<\/strong><\/p>\n\n

        \n\n

        7\ufe0f\u20e3 Hypot\u00e9ka a poistenie<\/strong>Pri k\u00fape na hypot\u00e9ku je poistenie<\/strong> povinn\u00e9.Banky zvy\u010dajne vy\u017eaduj\u00fa:<\/p>\n\n

          \n
        • Poistenie budovy s<\/strong> kryt\u00edm minim\u00e1lne vo v\u00fd\u0161ke \u00faveru,<\/li>\n\n\n\n
        • Politika pridelen\u00e1 (zaznamenan\u00e1) v prospech banky,<\/li>\n\n\n\n
        • Ro\u010dn\u00e9 obnovenie s potvrden\u00edm poskytnut\u00fdm banke.<\/li>\n<\/ul>\n\n
          \n\n

          8\ufe0f\u20e3 Ako dojedna\u0165 poistenie nehnute\u013enosti<\/strong><\/p>\n\n

            \n
          • Odhad skuto\u010dnej hodnoty nehnute\u013enosti (<\/strong> okrem pozemku).<\/li>\n\n\n\n
          • Vyberte si pois\u0165ov\u0148u a bal\u00edk na z\u00e1klade riz\u00edk.<\/li>\n\n\n\n
          • Vypl\u0148te \u017eiados\u0165 (adresa, ve\u013ekos\u0165, hodnota obsahu).<\/li>\n\n\n\n
          • Poistenie sa za\u010d\u00edna d\u0148om podpisu alebo pod\u013ea dohody.<\/li>\n\n\n\n
          • Platbu m\u00f4\u017eete uskuto\u010dni\u0165 online, kartou alebo bankov\u00fdm prevodom.<\/li>\n\n\n\n
          • Poistn\u00e9 udalosti sa nahlasuj\u00fa telefonicky alebo online – pois\u0165ov\u0148a vymenuje likvid\u00e1tora \u0161k\u00f4d.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"

            \ud83c\udfe1 Z\u00e1kladn\u00e9 inform\u00e1ciePoistenie nehnute\u013enosti na Cypre nie je zo z\u00e1kona povinn\u00e9,, aled\u00f4razne sa odpor\u00fa\u010da– najm\u00e4 v pr\u00edpade bytov vo v\u00fdstavbe, pren\u00e1jmu alebo n\u00e1kupu financovan\u00e9ho hypot\u00e9kou. Ak nehnute\u013enos\u0165 financuje banka, poistenie je povinn\u00e9 po\u010das celej doby trvania \u00faveru.V ostatn\u00fdch pr\u00edpadoch je na rozhodnut\u00ed vlastn\u00edka, ak\u00fd typ poistenia si zvol\u00ed a v akej v\u00fd\u0161ke krytia. 1\ufe0f\u20e3 Typy…<\/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":[556,541,536,591],"tags":[],"class_list":["post-30864","post","type-post","status-publish","format-standard","hentry","category-pravne-administrativne-otazky","category-informacie-pre-kupujucich","category-juzny-cyprus","category-zakony-juzny-cyprus"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.cyprusproperties.sk\/sk\/wp-json\/wp\/v2\/posts\/30864","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cyprusproperties.sk\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cyprusproperties.sk\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/sk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/sk\/wp-json\/wp\/v2\/comments?post=30864"}],"version-history":[{"count":1,"href":"https:\/\/www.cyprusproperties.sk\/sk\/wp-json\/wp\/v2\/posts\/30864\/revisions"}],"predecessor-version":[{"id":30868,"href":"https:\/\/www.cyprusproperties.sk\/sk\/wp-json\/wp\/v2\/posts\/30864\/revisions\/30868"}],"wp:attachment":[{"href":"https:\/\/www.cyprusproperties.sk\/sk\/wp-json\/wp\/v2\/media?parent=30864"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/sk\/wp-json\/wp\/v2\/categories?post=30864"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/sk\/wp-json\/wp\/v2\/tags?post=30864"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}