Krasnodar, 16 August – Yug Times. The federal law on home insurance against emergency situations enforced this month provides for voluntary conclusion of insurance contracts by housing owners. The All-Russian Union of Insurers announced the list of 14 pilot regions where these insurance programs may be introduced first. What is at issue is St. Petersburg and Moscow, Leningrad, Tver, Sverdlovsk, Tyumen, Novosibirsk, Belgorod, Omsk oblasts, and Transbaikal, Perm, Krasnoyarsk, Krasnodar and Khabarovsk krais. Though it will not be the first attempt in our region to make care of real estate a stable tradition, the idea is moving with big difficulties – Kuban is the 35th region in the country as regards the share of insured residential premises. The ultimate result will depend upon the local conditions to be determined by the regional authority, experts believe.
The new law entitles regions to develop their own home insurance programs for emergency situations and other risks. The local authorities will also be entitled to choose the concrete risks they consider most important for their respective region. If an insured case happens, the insured citizens will have to get governmental warranty of full indemnification for the cost of their houses. The price of the insurance policy against emergency situations and standard risks (fire, flood, etc.) will be about 150 to 200 roubles a month.
It was predictable that Krasnodar province will be on the list of the 14 ‘pilot regions’ for the new law. Nikolai Belokon, Director of the regional Home Insurance Development Fund noted that “in our region, the frequency of natural emergency situations is high as compared with other Russian regions. Besides, the housing density, especially in urban settlements, is also very high in Krasnodar province. Most of the fires occur in the residential sector.”
Vladimir Savchenkov, Director of FLAI PLENING Company, considers that Russian people do not like to insure their homes because the culture of using services of insurance companies in this country is not as developed as it is in Europe, where in some countries as many as up to 84% households are insured.
“We are hoping that the [new] law on home insurance against emergency situations will be able to overcome this situation,” Mr. Savchenkov says. “First, it is of a voluntary character, and the people who have concluded insurance agreements before an emergency case happened will get a higher financial aid than just compensations from the government.”
Aleksandr Kazakov, Director of the Krasnodar branch of Rosgosstrakh Company, believes that active demand for such program would be possible if the regions would expand the list of the risks and include there such risks that are currently not covered by governmental warranties.
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