Russians will be obliged to insure housing

The State Construction does not exclude the possibility of introducing a compulsory insurance of civil liability of housing owners in Russia. This was announced at a meeting with journalists by the director of the Department of Construction and Housing and Communal Services of the Ministry of Industry and Economics of the Ministry of Industry Sergey Kruglik.

Mandatory civil liability insurance of housing owners refers to insurance against damage to neighbors. For example, if the owner staged a fire, as a result of which neighboring apartments were injured, or, more often, flooded the lower neighbors, the insurance company may compensate the damage to the victims. Experts and market participants evaluate such an offer as a whole as positive.

Kruglik believes that the introduction of compulsory housing insurance in Russian conditions is not an acute necessity, however, the introduction of compulsory civil liability insurance of housing owners can really be very useful.

Experts agree with this, but note that in the near future the introduction of such a system is hardly possible, since there are too many obstacles in its way. Obviously, the first is the protest of the population, which perceives compulsory insurance as additional requisitions. “If we talk about the formation of a civilized society, then the introduction of such a system would be correct,” said Oleg Rephenko, RBC Daily , the head of the project IRN.ru. “We have a lot of examples when the injured residents, for example, filled with a neighbor from above, cannot get compensation, which leads to numerous squabbles and clarification of relations.”

The director of the Basis industrial insurance group, which is part of the group of companies, Pavel settlement: "This is useful for the development of the market and for those people who cannot get compensation from their neighbors."

At the same time, the majority of insistence experts believe that the introduction of a compulsory civil liability insurance system at present is hardly possible. In addition to the resistance of the population, there are other obstacles. Insurers note that at first it would be good to deal with CTP, and only then you can enter another system. "After the introduction of OSAGO, we had many questions that were not fully worked out. Analysis of the introduction of a carrier will avoid the same mistakes that were made during its introduction," the experts say.

Experts and market participants are still afraid to predict a possible tariff value, however, some qualitative grades do. “The tariff will be small, since the probability of the occurrence of an insured event is small,” Oleg Rephenko believes. “In any case, the tariff should be lower than the rent. Although, of course, in this case, not everyone will be satisfied.” Pavel settlement from PSG "Basic", on the contrary, believes the probability of the onset of the insured event: "Everyone has encountered the problem of leaks. The probability of the occurrence of the insured event here is significantly higher than in the case of compulsory motor liability insurance. In addition, if in the latter case, most accidents occur with the participation of only two cars, then in the event of leakage several apartments most often suffer."

Interestingly, at present, voluntary civil liability insurance has been most widely used in the housing rental market.