Home insurance (original) (raw)
Une assurance habitation est une assurance destinée aux habitations de particulier et leurs annexes. Son objet principal est de couvrir les locaux, leur contenu et la responsabilité civile de ses occupants. Les caractéristiques des contrats d'assurances habitation (couverture, niveau de garantis, durées, primes ou résiliation) varient d'un pays à un autre.
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| dbo:abstract | Die verbundene Wohngebäudeversicherung (kurz: VWG) ist eine Sachversicherung, die ein definiertes Wohngebäude gegen die im Versicherungsvertrag versicherten Gefahren und Kosten versichert. Das versicherte Gebäude kann rein zu Wohnzwecken genutzt sein oder einen gewerblichen Anteil enthalten. Entscheidend ist, dass das versicherte Objekt bis zu mindestens 50 % zu Wohnzwecken genutzt wird. Die elementaren Grundgefahren, die im Normalfall versichert werden können, sind Feuer, Leitungswasser, Sturm und Hagel. Die damit verbundenen sowie weiterführenden Kosten sind über den Versicherungsvertrag eingeschlossen. In der Theorie kann der Versicherungsnehmer jede versicherte Gefahr einzeln bei einem Versicherungsunternehmen versichern. Über die elementaren Grundgefahren hinaus bieten die meisten Versicherer in Deutschland auch erweiterten Versicherungsschutz gegen beispielsweise erweiterte Elementargefahren an. Hierzu gehören beispielsweise Überschwemmungen, Erdbeben, -senkungen oder -rutsche. Der Versicherungsschutz kann von jedem Versicherer individuell angeboten werden. Einen einheitlichen Anhaltspunkt bieten die Musterbedingungen zur verbundenen Wohngebäudeversicherung des Gesamtverbandes der deutschen Versicherungswirtschaft. (de) Seguro multirriesgo del hogar es el seguro por el que el propietario o poseedor de una vivienda (o en otras variedades, de locales comerciales) trata de cubrirse de los riesgos de que ésta sufra daños de diversa índole: derivados de cortocircuitos eléctricos, de rotura de cañerías, de averías diversas, accidentes domésticos, causados por temporales, robos, etc. También por la responsabilidad civil originada por daños o lesiones que se puedan causar a otras personas o sus bienes desde la vivienda, como puede ser la caída de objetos desde las ventanas o balcones, inundaciones en pisos inferiores, etc.Suele incluir un servicio de reparación de averías. Con frecuencia las compañías aseguradoras de este ramo ofrecen paquetes que incluyen otras coberturas relacionadas más o menos directamente con el hogar o la vida familiar, como , , , etc. (es) Home insurance, also commonly called homeowner's insurance (often abbreviated in the US real estate industry as HOI), is a type of property insurance that covers a private residence. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory. Additionally, homeowner's insurance provides financial protection against disasters. A standard home insurance policy insures the home itself along with the things kept inside. (en) Une assurance habitation est une assurance destinée aux habitations de particulier et leurs annexes. Son objet principal est de couvrir les locaux, leur contenu et la responsabilité civile de ses occupants. Les caractéristiques des contrats d'assurances habitation (couverture, niveau de garantis, durées, primes ou résiliation) varient d'un pays à un autre. (fr) 火災保険（かさいほけん）は損害保険の一つで、建物や建物内に収容された物品（住宅内の家財用具、工場などの設備や商品の在庫など）の火災や風水害による損害を補填する保険である。名称は「火災保険」であるが、多くの商品には「」や「水災」の補償がセットされているため、実際は「災害保険」である。火災保険には専用住宅物件、併用住宅物件があり、それ以外には一般物件、工場物件、倉庫物件の物件種別がある。併用住宅物件は住居と住居以外の用途に併用される物件であり、店舗や事務所と併用する住宅等がある。JA共済やこくみん共済 coop などの共済事業団体でも火災共済として同種の商品がある。 (ja) Een opstalverzekering is (in Nederland) een verzekering die schade aan de opstal, alles wat echt vast zit aan je huis, zoals het dak of de regenpijp, door brand, storm, waterschade en inbraak dekt. Een groot aantal mogelijke schadeoorzaken is dus verzekerd. Een opstalverzekering is een schadeverzekering. In België gebruikt men de term brandverzekering of woningverzekering. (nl) Страхование жилья является одним из видов имущественного страхования, которое охватывает частную резиденцию. Оно включает различные виды индивидуального страхования, которые могут включать потери, связанные с жильём или расположенным в нём его имуществом, потерю использования (дополнительные расходы на проживание) или потерю личных вещей домовладельца, а также страхование ответственности за несчастные случаи, которые могут произойти дома. Кроме того, страхование жилья обеспечивает финансовую защиту от стихийных бедствий. Стандартный полис страхования жилья страхует сам дом вместе с вещами, хранящимися внутри. (ru) 火灾保险，简称火险，它以存放在固定场所并相对静止的财产作为保险标的，是财产保险的一种。 (zh) |
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| rdfs:comment | Une assurance habitation est une assurance destinée aux habitations de particulier et leurs annexes. Son objet principal est de couvrir les locaux, leur contenu et la responsabilité civile de ses occupants. Les caractéristiques des contrats d'assurances habitation (couverture, niveau de garantis, durées, primes ou résiliation) varient d'un pays à un autre. (fr) 火災保険（かさいほけん）は損害保険の一つで、建物や建物内に収容された物品（住宅内の家財用具、工場などの設備や商品の在庫など）の火災や風水害による損害を補填する保険である。名称は「火災保険」であるが、多くの商品には「」や「水災」の補償がセットされているため、実際は「災害保険」である。火災保険には専用住宅物件、併用住宅物件があり、それ以外には一般物件、工場物件、倉庫物件の物件種別がある。併用住宅物件は住居と住居以外の用途に併用される物件であり、店舗や事務所と併用する住宅等がある。JA共済やこくみん共済 coop などの共済事業団体でも火災共済として同種の商品がある。 (ja) Een opstalverzekering is (in Nederland) een verzekering die schade aan de opstal, alles wat echt vast zit aan je huis, zoals het dak of de regenpijp, door brand, storm, waterschade en inbraak dekt. Een groot aantal mogelijke schadeoorzaken is dus verzekerd. Een opstalverzekering is een schadeverzekering. In België gebruikt men de term brandverzekering of woningverzekering. (nl) 火灾保险，简称火险，它以存放在固定场所并相对静止的财产作为保险标的，是财产保险的一种。 (zh) Die verbundene Wohngebäudeversicherung (kurz: VWG) ist eine Sachversicherung, die ein definiertes Wohngebäude gegen die im Versicherungsvertrag versicherten Gefahren und Kosten versichert. Das versicherte Gebäude kann rein zu Wohnzwecken genutzt sein oder einen gewerblichen Anteil enthalten. Entscheidend ist, dass das versicherte Objekt bis zu mindestens 50 % zu Wohnzwecken genutzt wird. Die elementaren Grundgefahren, die im Normalfall versichert werden können, sind Feuer, Leitungswasser, Sturm und Hagel. Die damit verbundenen sowie weiterführenden Kosten sind über den Versicherungsvertrag eingeschlossen. In der Theorie kann der Versicherungsnehmer jede versicherte Gefahr einzeln bei einem Versicherungsunternehmen versichern. (de) Seguro multirriesgo del hogar es el seguro por el que el propietario o poseedor de una vivienda (o en otras variedades, de locales comerciales) trata de cubrirse de los riesgos de que ésta sufra daños de diversa índole: derivados de cortocircuitos eléctricos, de rotura de cañerías, de averías diversas, accidentes domésticos, causados por temporales, robos, etc. También por la responsabilidad civil originada por daños o lesiones que se puedan causar a otras personas o sus bienes desde la vivienda, como puede ser la caída de objetos desde las ventanas o balcones, inundaciones en pisos inferiores, etc.Suele incluir un servicio de reparación de averías. (es) Home insurance, also commonly called homeowner's insurance (often abbreviated in the US real estate industry as HOI), is a type of property insurance that covers a private residence. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory. (en) Страхование жилья является одним из видов имущественного страхования, которое охватывает частную резиденцию. Оно включает различные виды индивидуального страхования, которые могут включать потери, связанные с жильём или расположенным в нём его имуществом, потерю использования (дополнительные расходы на проживание) или потерю личных вещей домовладельца, а также страхование ответственности за несчастные случаи, которые могут произойти дома. (ru) |
| rdfs:label | Wohngebäudeversicherung (de) Seguro multirriesgo del hogar (es) Assurance habitation (fr) Home insurance (en) 火災保険 (ja) Opstalverzekering (nl) Страхование жилья (ru) 火灾保险 (zh) |
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