Mortgage insurance. Mortgage insurance. Opt out of additional insurance

Hello, friends!

If you are applying for a mortgage or are just looking at this option to improve your living conditions, then you will inevitably face the issue of insurance. It cannot be ignored, because the state obliges each borrower to deal with it. Until now, we have learned to carefully read bank documents on deposits and loans. It's time to explore an equally important topic - mortgage insurance.

What is it, why do you need insurance and how to calculate it? These are the main questions for our discussion within this article.

Insurance mortgage loan- This is a procedure that is designed to reduce the risk of loss or damage to property pledged, as well as to protect the bank and the borrower from non-payment on the loan.

Must have an insurance policy. Depending on the object, the following types of insurance are distinguished:

• Insurance of real estate pledged to the bank against possible damage as a result of extraordinary circumstances.

For example, fire, flood, man-made accidents, etc. This type is mandatory, as indicated by the mortgage law adopted back in 1998.

If the damage occurred through the fault of the borrower, then the insurance company will not compensate for the damage. Also, not all cases of emergency will be accepted for compensation. For example, damage to property as a result of hostilities, street riots, etc. This is described in detail in any contract, so it makes sense to familiarize yourself with it before signing it.

• Life and health insurance of the borrower and co-borrowers.

This type is conditionally voluntary. Why conditionally? Because rejection personal insurance entails an increase in the interest rate for the mortgage by at least 1%. Few borrowers agree to this. Banks do not hide this information, you can see such a condition on the website.

• Title insurance.

What it is? This is the protection of the interests of the bank from the possible loss by the borrower of the ownership of an apartment or house. Applies only to real estate in the secondary market and is a voluntary insurance.

How can a borrower lose ownership? Any number of cases. For example, a close relative showed up (brother or sister, husband or wife, son or daughter), who was absent for a long time, but had the right to own a share in the apartment. As a rule, this is the dishonesty of the seller and the carelessness of the registration authorities. As a result, the court and many years of proceedings.

What kind of insurance you need is up to you. But soberly assess the consequences of your decision. In each agreement with the bank there is a clause that he has the right to demand that the borrower repay the loan if he fails to fulfill his obligations to the bank. For example, refusal to insure an apartment in a year, two or 10 years, when the loan has not yet been repaid.

The procedure for issuing insurance

The presence of an insurance policy that protects the collateral from loss and damage is a prerequisite for obtaining a mortgage loan. You must present it when receiving credit funds. If you wish, you can also issue the protection of life, health and title.

Keep in mind that many insurers have comprehensive insurance that includes all of the above policies. If you are determined to protect yourself from all sides, then take a closer look at the comprehensive protection. It is cheaper than buying a separate policy.

The procedure for issuing a protection policy:

1. The first thing you should do is check out the list of accredited insurance companies on your website. mortgage bank. For example, Sberbank currently has 20 accredited companies insuring real estate, and 16 life and health insurance companies.
2. To study the bank's requirements for insurance companies and the conditions for the provision of their services.
3. Study the rates in all companies and the possibility of issuing a policy online, if this is essential for you.
4. Choose an insurer that suits you. Please note that the rates in the companies may differ significantly. And you don't always have to work with the cheapest company. In order to save money, it may not include certain types of insured events in the contract.
5. Prepare a package of documents for registration of the contract. Unlike a loan agreement, in this case the list will be minimal: loan agreement, title deeds, appraiser's report. In some cases, the insurer may require medical documents or even send for a medical examination.
6. Conclude an insurance contract. It can be concluded for 1 year or for the entire term of the loan. In the first case, you must renew it every year or, in case of refusal, be prepared for bank sanctions in the form of an increase in the interest rate or the complete annulment of the loan agreement.

Insurance case

The list of such cases may vary slightly in different companies so be sure to check the details at the time of filing. The following types of damage to the collateral object are subject to compensation:

I took this information from Sberbank and its accredited company. For almost every item there is a detailed explanation in which case compensation will be paid, and in which not. Similar information can be obtained from any company with which you are going to cooperate.

Each case must be documented. The list of documents may include:

A policy that protects the life and health of the borrower and his co-borrowers will allow shifting the burden of payments on a mortgage loan to the insurer in the event of:

• death of the insured due to illness or accident;
• temporary disability,
• obtaining a disability.

Prepare supporting documents. Each insurer has its own list. it medical records and certificates, accident reports, death certificates, documents from the Ministry of Internal Affairs, etc.

Let me remind you that it is advisable to apply title insurance only to mortgage objects in the secondary market. And the main documents in this case are judicial ( statement of claim, the court's decision).

What to do if damage or loss of the collateral still occurred during the period of the contract:

1. Take all measures to save or reduce damage.
2. Call the appropriate authorities to eliminate the consequences. Obtain supporting documents from them.
3. Call a representative of the insurer to assess the damage.
4. Within a few days (check with your insurer), prepare the documents and contact the company for a refund.

The main rule is to inform immediately insurance organization about the offensive insured event.

I wish you never had to use your policy. So let's move on to the issue of cost. How much does it cost to insure yourself and your property?

The cost of insurance services

Where to insure yourself and your property? And where is the cheapest place to do it? Here are the main questions that arise before each mortgage borrower. To begin with, consider the factors that affect the cost of insurance services:

1. The requirements of the bank in which you arrange a mortgage for insurance coverage.
2. Mortgage loan amount. Every year it will decrease, therefore, the cost of insurance services also decreases.
3. Age, gender, health status of the borrower and co-borrowers. And also the nature of the labor activity, which the insured person is engaged in, and his hobbies, for example, extreme sports, can affect the cost.
4. Type of collateral object (apartment, house), specifications(material of walls, foundations, ceilings, year of construction for secondary real estate, accumulated wear and tear, etc.)

All insurers have different rates. An analysis of the company's websites showed that only some have calculators that can be used to independently calculate the cost of the policy. For the rest, you will have to find out by phone or send an application. XXI Century…

Let's analyze how the cost of the policy is calculated using the example of Ingosstrakh. What you need to know before calculating:

• name of the creditor bank;
• the balance of mortgage debt;
• requirements for the insurance policy that the bank makes.

For a conditional example of the cost of collateral insurance services, we will use the calculator on the Ingosstrakh website.

Calculation results.

Thus, the tariff was approximately 0.18%. In a year, I have to pay 4,411.76 rubles under the policy.

If you repeat the same actions to protect life and health, then the cost of the policy will be almost 15,000 rubles. in year.

Carry out similar actions for the entire list of accredited insurers and select the optimal tariff. You will not see specific rates on any site, because the cost of the policy depends on many factors and will be set individually for a particular borrower.

Overview of insurance programs

I will conduct a short review of programs that offer mortgages Insurance companies from the top 5.

Ingosstrakh

The company is accredited in most credit organizations. Offers 2 programs.

The policy can be issued online. Let's see the cost of comprehensive protection, which includes all 3 types of insurance.

Initial data:

• VTB Bank, Moscow;
• an insured apartment with registered ownership;
• loan balance - 2,500,000 rubles;
• the borrower is a woman born in 1976 with a 100% share in the loan.

Let's use the calculator:

1. The cost of a property protection policy is 4,312.5 rubles.
2. The cost of defending the title is 7,187.5 rubles.
3. The cost of protecting life and health is 9,772.13 rubles.

Total total cost- 21,272.13 rubles.

For Sberbank, the picture is different. The bank does not require title insurance. By agreement with him, a 15% discount is available for online registration. The cost of a comprehensive policy without a discount is 19,408.82 rubles, with a discount - 16,497.5 rubles.

Ingosstrakh offers to connect additional options to the policy.

Sogaz

Insures against all types of mortgage risk. As advantages:

• the possibility of paying the insurance premium in installments;
• refund of part of the insurance early repayment credit;
• the possibility of a free medical examination, if required.

But a significant drawback is the lack of a calculator on the site. Accordingly, it is not possible to navigate the price. You must submit a request and wait for a response.

Sberbank insurance

The company insures only against 2 types of risks:

• damage or loss of pledged property,
• death and disability.

Title insurance is not provided. The site does not have a calculator. Tariffs were found in a voluminous document on several sheets. They are summarized by different types of risks in a single table plus correction factors depending on the factors that affect the degree of risk.

The objects of insurance in the apartment are structural elements:

• walls,
• partitions,
• floors, floors,
• windows and doors.

In the house, the roof and foundation are added to the listed elements. Sberbank does not insure apartments in buildings older than 1955. The base rate starts from 0.25% of the mortgage loan balance. When ordering online, the company gives a 10% discount.

RESO-Garantia

The company issues insurance against 3 types of risk. The site has a calculator, but the calculations are not valid for clients of Sberbank and Russian Capital Bank.

The cost of a comprehensive policy came out to me 15,675 rubles. with a loan balance of 2,500,000 rubles, i.e., the tariff is 0.627%.

For individual species, the picture is as follows:

1. Real estate - 4,000 rubles. (0.16%).
2. Health - 8 175 rubles. (0.327%).
3. Title + real estate - 12,750 rubles. (0.51%).

According to borrowers, RESO-Garantia tariffs are among the most affordable.

VTB insurance

In addition to the standard policy, which will cover the bank's losses in the event of an insured event in the amount of the balance of the loan debt, VTB offers to take out insurance for the full cost of the apartment.

For example, you bought a house for 3,000,000 rubles, paying 1,500,000 rubles through a mortgage. and 1,500,000 rubles by investing their own funds. In case of damage to property under a conventional insurance contract, the company will pay the bank 1,500,000 rubles, but you will lose your money. When purchasing additional insurance, the remaining 1,500,000 rubles. the company will reimburse you personally.

The company has developed 9 software packages at different prices. I will show only a fragment of the table.

For military personnel who buy housing under the program “ military mortgage”, provided special conditions, allowing you to issue a policy online and with a discount of up to 30%.

Insurance tax deduction

To the question, and how to do this, I analyzed in a separate article. But here I want to say a few words about social deduction. The fact is that Article 219 tax code RF is given the right to receive tax deduction for life insurance with a mortgage in the amount of 13% of the amount of contributions under the contract. But for this the following conditions must be met:

1. Separate life insurance contract.
2. The contract is concluded for 5 years or more.
3. The contract is drawn up in favor of the borrower, and not in favor of the bank.

In most cases, the beneficiary of the insured event related to the mortgage is the bank. The same applies to the comprehensive insurance contract for 3 types of insurance. In this scenario, it is not necessary to count on 13% from the state.

Conclusion

Let's look at insurance not as an additional financial burden on the borrower, but as protection against the risks of loss or damage to real estate, death or disability. For 10 - 30 years, no one knows what can happen. And no one will cancel the loan payments. The policy will allow you to share the risks with the insurance company. That is why the state has made the procedure for protecting the object of pledge mandatory. Knowing about the “love” of the majority of citizens for insurers, this measure was forced. We have not yet learned to take care of ourselves.

I foresee the indignation of some readers about the next way to make money on citizens. Not without it. Business is business. Would you voluntarily insure yourself if you were given such a right?

The legislation in force in Russia today provides for the registration compulsory insurance mortgaged real estate. However, in addition to this, almost always banks offer additional insurance for the life and health of the borrower, the loss of his ability to work, as well as the so-called title insurance.

When applying for a mortgage, it is obligatory to take out insurance on the mortgaged property. Any other types are possible only if the borrower voluntarily agrees to them. The imposition of any related services is considered a violation of the law. Legislation requirements in terms of mortgage insurance are set out in No. 102-FZ.

How to get mortgage insurance

Mortgage insurance companies offer different conditions issuance of policies. For selection best option, use the service for the selection of SC. On it, you can calculate the preliminary cost of a mortgage insurance policy, compare the cost of services from different insurers under the same conditions, apply for an insurance contract with the insurance company online. This will save money and time. The paid work policy will be sent to you by e-mail within a few minutes.

To insure a mortgage, you will need the passport of the insured, documents for real estate.

Actions in case of an insured event

The contract concluded with the insurance company contains a list of actions that the borrower must take in the event of an insured event. In most situations, you need to do the following:

• notify the insurer;
• try to minimize the damage caused to the object;
• wait for representatives of the UK and provide them with access to the property;
• promptly draw up the documents that are specified in the contract as confirming the occurrence of an insured event.

When applying for a loan for the purchase of real estate, the borrower must conclude an agreement on comprehensive insurance.

This service provides complete financial security for the bank and the person receiving the loans.

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What is this type of service?

According to the Mortgage Law, property insurance is mandatory.

Banks are interested in minimizing the risks of loan default arising for various reasons:

• job loss;
• deterioration of health;
• property damage;
• loss of ownership.

Since the loan is taken long term, financial institutions take all possible measures to protect the funds.

This is how it was formed comprehensive insurance, providing complete security in various unforeseen circumstances.

It includes three product categories:

• protection of property from various risks;
• protection of health, working ability and life of the borrower;
• title protection (property rights);
• protection of the borrower's liability for non-repayment of the debt.

People will be able to cover losses from the adverse effects of various types of real estate: a house, an apartment, a summer house, and others.

The contract is concluded for a period of 12 months and includes an extension until the end of the mortgage payment period.

The amount within which the insurer pays compensation is determined in two ways:

• initial debt (interest for the current period is added);
• as a decreasing amount commensurate with the decrease in debt to the bank.

In what situations is a refund provided?

The Company compensates for losses from partial or complete damage to property as a result of:

• fire;
• lightning strike;
• explosion of steam boilers, gas;
• natural Disasters;
• subsidence and subsidence of soils;
• leaks due to failure of water supply systems;
• groundwater outlet;
• domestic gas explosion;
• falling flying objects or their fragments;
• collision of vehicles.

Health and life insurance provides monetary compensation for:

• loss of temporary work capacity of a citizen;
• disability;
• death due to an accident.

Title protection obliges you to transfer funds to a credit institution if the following events occur:

• loss of the borrower's property rights;
• intervention of third parties has been carried out;
• a court decision was made to restrict property rights.

Debt default liability insurance product is used in situations where the borrower is unable to service his debt.

This can happen for several reasons:

• additional costs as a result of default;
• insufficient funds after the sale of collateral real estate.

The insurance company does not compensate for the damage caused in all cases.

No monetary compensation is provided if:

• nuclear explosions;
• military actions;
• radioactive radiation.

What are the benefits of such insurance?

Comprehensive mortgage insurance ensures the safety and sustainability of the real estate lending system.

In this regard, the borrower receives the following benefits:

• prompt decision-making regarding the execution of the contract;
• reduced interest rate on credit;
• minimum initial payment;
• loyalty of the bank to the provision of loans;
• reasonable pricing ensures economic feasibility, since A complex approach combines several categories;
• guaranteed and timely financial compensation in the event of an insured event due to cooperation with one, not several companies;
• every year, insurance payments are reduced, as the amount of the principal debt decreases.

After the conclusion of the contract on comprehensive insurance, the bank and the borrower will have confidence in the future.

Which companies provide comprehensive mortgage insurance and under what conditions?

Not every organization offers the service in question. Usually, you can insure several risks in accredited agencies of the bank in which the borrower draws up a loan.

To obtain comprehensive insurance, you must conclude an agreement with the selected agency.

The borrower must comply with the following conditions:

• informing insurance specialists about the circumstances that are essential for the occurrence of an adverse event;
• answer in detail all the questions of the agent to conduct an in-depth risk analysis;
• provide data on previous real estate transactions in order to check the legal purity;
• submit an application for insurance in the prescribed form.

Changes made to the contract are valid if they do not contradict the law.

You can familiarize yourself with the rules of comprehensive insurance of one of the Russian insurance companies from the following document:

To obtain comprehensive insurance, the borrower must submit the following documents:

• Russian passport;
• a photocopy of the agreement concluded with the bank;
• copy and applications;
• information about solvency;
• balance sheets for the last reporting date(for legal entities);
• certificate of ownership;
• confirmation of registration in a single state register rights to real estate(in the presence of);
• other acts related to risk.

Accredited companies of some financial institutions presented in the table.

When does the contract terminate?

The insurance will expire at 24:00 local time on the day specified in the contract.

There are certain circumstances under which it will not be provided to the borrower:

• failure to pay contributions on time;
• liquidation legal entity who is the insured (by a court decision);
• the existence of the risk has ceased for reasons not specified in the contract;
• in case of violation of the terms of the agreement;
• liquidation of the insurer in the manner prescribed by law;
• at the request of the insured (contributions are provided).

Insurance cost

The cost of comprehensive insurance is formed depending on the following factors:

• age and health status of the borrower;
• term of insurance;
• the number of previous real estate transactions;
• the condition of the property;
• loan amount.

The price of the service in question is determined individually for each case and varies from 0.5 to 1.5% of the loan amount.

It includes the cost of insurance:

• titles - 0.2% per annum;
• property - 0.3%;
• – 0,5 %.

The final tariff is determined by the conditions of the individual company. If the borrower takes out several policies for individual cases, comes out more expenses.

The cost of comprehensive mortgage insurance in some Russian banks is presented in the table.

What difficulties are possible in the formation of the contract?

Each program is governed by special principles that define a clear list of insurance objects, and other factors become an exception.

You get a loan to buy real estate. One of the conditions for issuing such a loan is the conclusion of a mortgage insurance contract.

VTB Insurance, one of the leaders in mortgage insurance in Russia, will provide you with reliable insurance coverage when obtaining a mortgage loan, which will help you and your family to fulfill your loan obligations to the bank in any situation.

Comprehensive mortgage insurance includes:

• Insurance of the acquired apartment / building in case of damage or loss.
  Insurance risks:
  • Fire.
  • Lightning strike.
  • Domestic gas explosion.
  • Explosion of steam boilers.
  • Water damage.
  • Natural disasters.
  • Outflow of subsoil waters, subsidence and subsidence of soils.
  • The fall of flying objects or their debris and other objects.
  • Arrival of vehicles.
  • Illegal actions of third parties.
• Property loss insurance as a result of termination or restriction of ownership (title insurance).
• Life and health insurance of the loan borrower against accidents and illnesses.
• Insured events: death from illness or accident; temporary or permanent (disability) disability as a result of an accident.

In the event of an insured event, VTB Insurance pays the bank insurance compensation in the amount of real damage (but not more than the sum insured). If the insurance indemnity for an accident exceeds the amount of your unfulfilled obligations to the bank, then the remaining part is paid to you.

Calculation of the cost of a mortgage insurance contract:

Annual premium for complex agreement mortgage insurance is, on average, 1% of the sum insured.
Value insurance premium depends on:

• term of insurance.
• your age and health status.
• The technical condition of your property.
• The number of previous transactions with your property.

Comprehensive mortgage insurance is issued for a period of 1 to 30 years, depending on the term of the loan agreement.

To conclude an agreement, you must:

• Fill out an insurance application.
• Provide information about previous real estate transactions to check (for you - free of charge) its legal purity.

Mortgage insurance in VTB Insurance is:

• Financial guarantee of the return to the bank of credit funds invested in real estate.
• Insurance appraisal of the apartment according to its market value.
• Full compliance of the insurance conditions with the requirements of the bank that issued the loan.
• Operational settlement of losses.
• Free pre-contractual examination of previous transactions with acquired real estate.

Feel the benefits of working with us:

• We offer flexible insurance conditions, take into account individual conditions each client.
• If the sum insured does not exceed $500,000 (for clients aged 46 to 55 - $400,000, over 55 - $300,000), a medical examination is not required before concluding a contract.
• We provide profitable terms upon early repayment of the loan.
• Our policy covers all possible risks termination of ownership.
• We are pleased to additionally offer you any other types of insurance that you need on favorable terms.
• If the property is damaged, we will make a payment in the amount of the actual costs of its restoration (within the sum insured).
• Cooperation with an insurance company allows you to reduce the risks of mortgage insurance.

In today's article, we will consider such an important topic for many as mortgage insurance - a comparison of rates and conditions. Of course, almost every person who has already dealt with mortgages or is only interested in this issue has heard about mortgage insurance.

What is mortgage insurance and what does it serve?

Speaking in general terms, the conclusion of such an agreement is much more necessary for the bank that issued the loan than for the person paying it - after all, if some insurance situation, then the entire monetary compensation will be transferred precisely in favor of the bank (and will be used to repay part or the entire amount of the mortgage loan. It is for this reason that a number of banks completely refuse to approve mortgages in the event that if a citizen refuses to issue a mortgage insurance policy(and some of the banks work only with a limited number of insurers, or even with only one - with the one that is considered the most reliable bank).

What types of mortgage insurance are there?

At the moment, each insurance company has its own specific rules and conditions that are put forward when issuing a policy, but at the same time, all contracts concluded can be divided into three main main groups:

1. property insurance (from damage to destruction);
2. health or life insurance;
3. the so-called "title" insurance (in the event that the loss of various rights to property is possible for reasons independent of the insured).

Of all these three types of insurance, only the first is really mandatory (and title and health insurance can only be issued at the request of the client).

However, in practice there are often exceptions, and banks refuse to issue a mortgage if their client has not issued insurance policies immediately on two (or even all three) of the above points.

In addition, each of these points has its own characteristics when calculating the final amounts - for example, property insurance depends on its average market value, location, whether it was bought on the secondary market or from the developer, the total area of ​​​​the building, the material from which the building is made (it is worth noting immediately important point — a number of insurance companies refuse to issue policies for wooden houses in view of the high fire hazard in comparison with stone buildings), as well as others.
As for the second of them, the final sum insured also depends on a very large number of factors - the state of health (by the way, for this purpose, the insurer may oblige his client to undergo a special medical examination), age, gender, and even such indicators as dangerous or harmful to health. health work or the presence of overweight in the insured (which is also regarded as an increased burden on health - in some cases, the insurance company may refuse even if only this factor is present).
Title insurance is less common, and not with all insurers - some simply do not have this item. As a rule, it includes clauses about the possible complete or partial loss of rights to property for one reason or another (not directly dependent on the desire of the owner).

What type of mortgage insurance policy is better to choose?

As mentioned above, only property insurance is mandatory. All other types are conditionally voluntary. That is why, if the bank does not insist on the execution of all possible types of insurance, and the client is satisfied only with property insurance, then in this case, the execution of this policy can be limited.

In a situation where the bank insistently demands the presence of a policy for all three indicators, it will no longer be possible to refuse their registration. True, in most cases, insurance companies offer their customers to purchase not three separate policies, but one comprehensive, which includes all three types of insurance required for obtaining a mortgage loan. As a rule, such a policy is cheaper than three separate ones, and its final price does not exceed 1% of the amount of the proposed loan.

So which insurer should you choose?

Before considering the list of the most popular insurance companies that you can contact when applying for a mortgage in 2018, it should be recalled that you should first take a list of its accredited insurers from the bank - as already mentioned, some banks cooperate exclusively with one or two companies and will not approve a mortgage even if they have a policy from any other major insurer.
So, at the moment, the list of the most popular companies from which you can insure a mortgage is as follows:

1. Sberbank insurance;
2. VTB insurance;
3. Alliance (Rosno);
4. VSK Insurance House;
5. RESO;
6. Ingosstrakh;
7. Rosgosstrakh;
8. Alpha insurance;
9. SOGAZ.

Sberbank insurance– if you draw up a policy for a mortgage in this company, then the cost of property insurance will be only 0.25% of total amount loan. This amount will be automatically added to the mortgage balance at the end of each year. In addition, if the loan itself is also issued at Sberbank, then property insurance will be enough - you will not need to issue a comprehensive policy.

VTB— provides execution of policies both for individual types of insurance, and in a complex way. The latter option will cost an average of about 1% of the loan amount. On average, because many factors are taken into account when processing documents (and a discount is also provided if the insurance is issued for a long time).

Alliance (Rosno)- also allows you to choose between comprehensive insurance and its individual types. Thus, health insurance will cost 0.87%, property - 0.16%, and title - 0.18%. It should be clarified that at the moment, far from all banks accept policies from this company (including Sberbank). The pluses include the fact that, when registering in the Alliance mortgage insurance, the client receives a significant discount on the execution of other, additional insurances.

VSK- has a rather limited choice of insurance - it will not be possible to issue a comprehensive policy, title insurance is also missing. Health insurance will cost about 0.55% of the mortgage amount (if its size exceeds 4 million, you will need to undergo a comprehensive medical examination), and the amount of real estate insurance is 0.43% (this is nominal, living on the first or last floor, the presence of gas, rather than steam heating, as well as many other factors - can significantly increase this amount).

RESO- provides an opportunity to issue health insurance policies in the amount of about 1% of the mortgage value, property insurance - about 0.1% and title insurance - about 0.25% (it should immediately be clarified that this amount depends on the bank where the mortgage is issued - for some it a little higher, for others - a little less).

Ingosstrakh- also has serious differences in the cost of insurance, depending on the banks that issue loans. On average, each type of policy will cost 0.2% of the total amount (complex registration is also possible).

Rosgosstrakh— has quite favorable conditions. So, property insurance will cost 0.17%, life - 0.28% and title - 0.15%. In addition, contacting this company is beneficial because it is accredited by most banks.

Alpha Insurance- will allow you to insure property and title rights at a rate of 0.15%, life - a little more expensive. It is also possible to issue a comprehensive policy (however, it is worth noting that they are not accepted by all banks, including Sberbank).

SOGAZ- one of the most profitable insurance companies - its rates are only: health - 0.17%, property - 0.1% and property rights - 0.08%. In addition, this company also allows you to purchase comprehensive insurance.

Summarizing, here is a table that briefly describes all the rates at the above banks (on average, for people with the same indicators of income and health):