{"id":3469,"date":"2026-02-23T23:35:09","date_gmt":"2026-02-23T23:35:09","guid":{"rendered":"https:\/\/www.europesays.com\/sk\/3469\/"},"modified":"2026-02-23T23:35:09","modified_gmt":"2026-02-23T23:35:09","slug":"zachranne-koleso-pre-rodinny-rozpocet-preco-je-dolezite-mat-dobre-poistenie-prave-dnes-financie-komercne-spravy","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/sk\/3469\/","title":{"rendered":"Z\u00e1chrann\u00e9 koleso pre rodinn\u00fd rozpo\u010det: Pre\u010do je d\u00f4le\u017eit\u00e9 ma\u0165 dobr\u00e9 poistenie pr\u00e1ve dnes – Financie – Komer\u010dn\u00e9 spr\u00e1vy"},"content":{"rendered":"

Rast \u017eivotn\u00fdch n\u00e1kladov a neust\u00e1ly tlak na rodinn\u00e9 rozpo\u010dty n\u00e1s n\u00fatia prehodnocova\u0165 v\u00fddavky. Pr\u00e1ve v obdobiach, ke\u010f sa finan\u010dn\u00e9 rezervy tvoria \u0165a\u017e\u0161ie, je d\u00f4le\u017eit\u00e9 ma\u0165 spo\u013eahliv\u00e9 z\u00e1chrann\u00e9 koleso. Poistenie dom\u00e1cnosti predstavuje rozumn\u00fd n\u00e1stroj na ochranu pred ne\u010dakan\u00fdmi v\u00fddavkami.<\/p>\n

\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tPR servis<\/p>\n

\t\t\t\t\t\t\t\t23.02.2026 00:00 \t\t\t\t\t\t\t<\/p>\n

\t\t\t\t\"Kooperativa\"\/
\n\t\t\t\t\t\t\t\t\tFoto: freepik<\/p>\n

Poistenie nehnute\u013enosti a dom\u00e1cnosti predstavuje rozumn\u00fd n\u00e1stroj na ochranu pred ne\u010dakan\u00fdmi v\u00fddavkami.<\/p>\n

Slovensk\u00e9 dom\u00e1cnosti sa aj v\u00a0roku 2026\u00a0popasuj\u00fa s\u00a0ne\u013eahkou realitou. N\u00e1klady na potraviny, energie a b\u00fdvanie na\u010falej rast\u00fa. Mnoh\u00fdm z\u00a0n\u00e1s sa rezervy tvoria \u0165a\u017e\u0161ie ne\u017e kedyko\u013evek predt\u00fdm, pr\u00edpadne nezost\u00e1vaj\u00fa\u00a0v\u00f4bec.<\/p>\n

\u0160etri\u0165 \u00e1no, ale s\u00a0rozumom<\/p>\n

Ke\u010f prem\u00fd\u0161\u013eame, kde by sa dalo u\u0161etri\u0165, prirodzene za\u010dneme pri pravideln\u00fdch mesa\u010dn\u00fdch v\u00fddavkoch. Niekto m\u00f4\u017ee zva\u017eova\u0165 aj zru\u0161enie poistky. Odborn\u00edci v\u0161ak pred t\u00fdmto krokom varuj\u00fa. Nejde toti\u017e o \u201ezbyto\u010dn\u00fa\u201c platbu navy\u0161e, ako sa m\u00f4\u017ee zda\u0165. Poisten\u00edm si kupujete ochranu pred mimoriadnymi n\u00e1kladmi napr\u00edklad na obnovu b\u00fdvania, ktor\u00e9 by sa pri hav\u00e1rii alebo \u0161kod\u00e1ch sp\u00f4soben\u00fdch extr\u00e9mami po\u010dasia mohli vy\u0161plha\u0165 a\u017e na tis\u00edce\u00a0eur.<\/p>\n

\u201ePravdepodobnos\u0165, \u017ee bude treba da\u0165 do poriadku ur\u010dit\u00fa \u0161kodu v\u00a0poistenom byte \u010di dome, rokmi st\u00fapa. Ke\u010f sa pozrieme na obdobie \u0161tyroch \u010di piatich rokov, toto riziko sa pod\u013ea na\u0161ich sk\u00fasenost\u00ed pohybuje u\u017e na \u00farovni dvojcifern\u00e9ho \u010d\u00edsla,\u201d uv\u00e1dza hovorky\u0148a pois\u0165ovne KOOPERATIVA Silvia Noskov\u00e1 Ill\u00e1\u0161ov\u00e1.<\/p>\n

\t\t\t \t\t\t\t\t\t\t\t\"Majitelia \t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\tFoto: freepik \t\t\t\t\t\t\t\t<\/p>\n

\t\t\t\t \t\t\t\t\tKooperativa \t\t\t\t \t\t\t\t\t\t\t\t\tMajitelia bytov rie\u0161ia ako poistn\u00e9 udalosti naj\u010dastej\u0161ie zate\u010den\u00e9 podlahy a stropy. \t\t\t\t\t\t<\/p>\n

\u010co n\u00e1s doma tr\u00e1pi naj\u010dastej\u0161ie?<\/p>\n

\u0160tatistiky pois\u0165ovne KOOPERATIVA hovoria jasne. Majitelia bytov naj\u010dastej\u0161ie rie\u0161ia zate\u010den\u00e9 podlahy a stropy sp\u00f4soben\u00e9 vytopen\u00edm susedmi alebo poruchou pr\u00e1\u010dky \u010di um\u00fdva\u010dky. \u010cast\u00fdm probl\u00e9mom s\u00fa aj skraty v\u00a0elektrospotrebi\u010doch, ktor\u00e9 sa m\u00f4\u017eu kon\u010di\u0165 po\u017eiarom.<\/p>\n

Majitelia rodinn\u00fdch domov sa viac pot\u00fdkaj\u00fa s\u00a0rizikami s\u00favisiacimi s\u00a0nevyspytate\u013en\u00fdm po\u010das\u00edm: zaplaven\u00e9 pivnice, n\u00e1razov\u00fdm vetrom po\u0161koden\u00e9 strechy \u010di zni\u010den\u00e9 alt\u00e1nky, z\u00e1hradn\u00e9 dom\u010deky a baz\u00e9ny. Extr\u00e9my v\u00a0po\u010das\u00ed a b\u00farkov\u00e1 aktivita s\u00fa v\u00a0posledn\u00fdch rokoch pozna\u010den\u00fdch klimatick\u00fdmi zmenami na vzostupe.<\/p>\n

\t\t\t \t\t\t\t\t\t\t\t\"S\u00fa\u010das\u0165ou \t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\tFoto: freepik \t\t\t\t\t\t\t\t<\/p>\n

\t\t\t\t \t\t\t\t\tKooperativa \t\t\t\t \t\t\t\t\t\t\t\t\tS\u00fa\u010das\u0165ou poistenia nehnute\u013enosti alebo dom\u00e1cnosti m\u00f4\u017ee by\u0165 aj pripoistenie dom\u00e1cich mil\u00e1\u010dikov. \t\t\t\t\t\t<\/p>\n

Opravy stoja st\u00e1le viac\u00a0\u2013 r\u00e1tajte s\u00a0t\u00fdm<\/p>\n

Pre\u010do je aj v\u00a0roku 2026\u00a0d\u00f4le\u017eit\u00e9 poisti\u0165 sa? Ceny materi\u00e1lov a opravn\u00fdch pr\u00e1c neust\u00e1le rast\u00fa. Pod\u013ea odhadov analytikov sa v\u00a0tomto roku sa zv\u00fd\u0161ia o\u00a0\u010fal\u0161\u00edch 6\u00a0a\u017e 7\u00a0%. Aj ke\u010f ste poisten\u00ed, va\u0161a p\u00f4vodn\u00e1 poistka nemus\u00ed pokry\u0165 cel\u00e9 n\u00e1klady na opravu \u010di obnovu po\u0161koden\u00e9ho majetku. Ak ste svoj domov poistili pred piatimi rokmi a odvtedy ste poistenie neaktualizovali, potom ste pravdepodobne podpoisten\u00ed. To znamen\u00e1, \u017ee suma, na ktor\u00fa m\u00e1te dom alebo byt poisten\u00fd, u\u017e nezodpoved\u00e1 jeho dne\u0161nej re\u00e1lnej hodnote.<\/p>\n

\u201eNa\u0161im klientom vysvet\u013eujeme, \u017ee majetok by mali ma\u0165 poisten\u00fd v\u017edy na jeho aktu\u00e1lnu hodnotu. Praktick\u00e9 je dohodn\u00fa\u0165 si automatick\u00fa index\u00e1ciu, ktor\u00e1 zabezpe\u010d\u00ed aktualiz\u00e1ciu poistenia ka\u017ed\u00fd rok bez toho, aby ste museli chodi\u0165 do pois\u0165ovne,\u201c vysvet\u013euje Silvia Noskov\u00e1 Ill\u00e1\u0161ov\u00e1.<\/p>\n

Ak h\u013ead\u00e1te komplexn\u00e9 rie\u0161enie, produkt Bezstarostn\u00fd domov<\/a> od pois\u0165ovne KOOPERATIVA kryje nehnute\u013enos\u0165 aj vybavenie dom\u00e1cnosti na jednej zmluve. Okrem samotn\u00e9ho domu \u010di bytu a jeho hnute\u013en\u00e9ho vybavenia si m\u00f4\u017eete pripoisti\u0165 aj z\u00e1hradu, baz\u00e9n, gar\u00e1\u017e, oplotenie a zateplenie domu, a tie\u017e veci ulo\u017een\u00e9 na inej adrese.<\/p>\n

\t\tTIP: Pripoistenie \u0161peci\u00e1lne pre v\u00e1\u0161ho dom\u00e1ceho mil\u00e1\u010dika<\/p>\n

Vedeli ste, \u017ee s\u00fa\u010das\u0165ou poistenia nehnute\u013enosti alebo dom\u00e1cnosti m\u00f4\u017ee by\u0165 aj pripoistenie dom\u00e1cich zvierat? Ide o\u00a0praktick\u00fa vo\u013ebu pre majite\u013eov psov \u010di ma\u010diek, ktor\u00ed chc\u00fa ma\u0165 kryt\u00e9 riziko \u00farazu svojho \u0161tvornoh\u00e9ho spolo\u010dn\u00edka. Na jednej zmluve mo\u017eno poisti\u0165 a\u017e \u0161tyroch zvierac\u00edch \u010dlenov dom\u00e1cnosti.<\/p>\n","protected":false},"excerpt":{"rendered":"Rast \u017eivotn\u00fdch n\u00e1kladov a neust\u00e1ly tlak na rodinn\u00e9 rozpo\u010dty n\u00e1s n\u00fatia prehodnocova\u0165 v\u00fddavky. Pr\u00e1ve v obdobiach, ke\u010f sa…\n","protected":false},"author":2,"featured_media":3470,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[64,65,66,2244,2246,2249,2247,2248,43,40,39,42,41,2245],"class_list":{"0":"post-3469","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ekonomika","8":"tag-business","9":"tag-economic","10":"tag-ekonomika","11":"tag-inzercia","12":"tag-koleso","13":"tag-preco","14":"tag-rodinny","15":"tag-rozpocet","16":"tag-sk","17":"tag-slovak","18":"tag-slovakia","19":"tag-slovencina","20":"tag-slovensko","21":"tag-zachranne"},"share_on_mastodon":{"url":"","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/3469","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/comments?post=3469"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/3469\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media\/3470"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media?parent=3469"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/categories?post=3469"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/tags?post=3469"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}