{"id":454,"date":"2024-09-25T13:19:02","date_gmt":"2024-09-25T11:19:02","guid":{"rendered":"https:\/\/www.tili.ro\/blog\/?p=454"},"modified":"2024-09-26T16:03:17","modified_gmt":"2024-09-26T14:03:17","slug":"ghidul-asigurare-obligatorie-locuinta-pad","status":"publish","type":"post","link":"https:\/\/www.tili.ro\/blog\/ghidul-asigurare-obligatorie-locuinta-pad\/","title":{"rendered":"Ghidul &#8211; Asigurare obligatorie locuin\u021b\u0103 PAD"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_69_1 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Cuprins<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #111111;color:#111111\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #111111;color:#111111\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.tili.ro\/blog\/ghidul-asigurare-obligatorie-locuinta-pad\/#Ce_este_asigurarea_obligatorie_de_locuinta\" title=\"Ce este asigurarea obligatorie de locuin\u021b\u0103?\">Ce este asigurarea obligatorie de locuin\u021b\u0103?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.tili.ro\/blog\/ghidul-asigurare-obligatorie-locuinta-pad\/#Tipuri_de_asigurare_de_locuinta\" title=\"Tipuri de asigurare de locuin\u021b\u0103\">Tipuri de asigurare de locuin\u021b\u0103<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.tili.ro\/blog\/ghidul-asigurare-obligatorie-locuinta-pad\/#Acoperirea_asigurarii\" title=\"Acoperirea asigur\u0103rii\">Acoperirea asigur\u0103rii<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.tili.ro\/blog\/ghidul-asigurare-obligatorie-locuinta-pad\/#Cum_se_cumpara_o_polita_de_asigurare_de_locuinta\" title=\"Cum se cump\u0103r\u0103 o poli\u021b\u0103 de asigurare de locuin\u021b\u0103?\">Cum se cump\u0103r\u0103 o poli\u021b\u0103 de asigurare de locuin\u021b\u0103?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.tili.ro\/blog\/ghidul-asigurare-obligatorie-locuinta-pad\/#Beneficiile_asigurarii_de_locuinta\" title=\"Beneficiile asigur\u0103rii de locuin\u021b\u0103\">Beneficiile asigur\u0103rii de locuin\u021b\u0103<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.tili.ro\/blog\/ghidul-asigurare-obligatorie-locuinta-pad\/#Calcularea_primei_de_asigurare\" title=\"Calcularea primei de asigurare\">Calcularea primei de asigurare<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.tili.ro\/blog\/ghidul-asigurare-obligatorie-locuinta-pad\/#Documente_necesare\" title=\"Documente necesare\">Documente necesare<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.tili.ro\/blog\/ghidul-asigurare-obligatorie-locuinta-pad\/#Rezolvarea_daunelor\" title=\"Rezolvarea daunelor\">Rezolvarea daunelor<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.tili.ro\/blog\/ghidul-asigurare-obligatorie-locuinta-pad\/#Cat_costa_asigurarea_obligatorie_de_locuinta\" title=\"C\u00e2t cost\u0103 asigurarea obligatorie de locuin\u021b\u0103?\">C\u00e2t cost\u0103 asigurarea obligatorie de locuin\u021b\u0103?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.tili.ro\/blog\/ghidul-asigurare-obligatorie-locuinta-pad\/#Ce_este_asigurarea_obligatorie_a_locuintei\" title=\"Ce este asigurarea obligatorie a locuin\u021bei?\">Ce este asigurarea obligatorie a locuin\u021bei?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.tili.ro\/blog\/ghidul-asigurare-obligatorie-locuinta-pad\/#Ce_acte_sunt_necesare_pentru_asigurarea_locuintei\" title=\"Ce acte sunt necesare pentru asigurarea locuin\u021bei?\">Ce acte sunt necesare pentru asigurarea locuin\u021bei?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.tili.ro\/blog\/ghidul-asigurare-obligatorie-locuinta-pad\/#Ce_inseamna_asigurarea_obligatorie\" title=\"Ce \u00eenseamn\u0103 asigurarea obligatorie?\">Ce \u00eenseamn\u0103 asigurarea obligatorie?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.tili.ro\/blog\/ghidul-asigurare-obligatorie-locuinta-pad\/#Ce_este_un_PAD\" title=\"Ce este un PAD?\">Ce este un PAD?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.tili.ro\/blog\/ghidul-asigurare-obligatorie-locuinta-pad\/#Ce_cuprinde_asigurarea_PAD\" title=\"Ce cuprinde asigurarea PAD?\">Ce cuprinde asigurarea PAD?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.tili.ro\/blog\/ghidul-asigurare-obligatorie-locuinta-pad\/#Cine_poate_incheia_PAD\" title=\"Cine poate \u00eencheia PAD?\">Cine poate \u00eencheia PAD?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.tili.ro\/blog\/ghidul-asigurare-obligatorie-locuinta-pad\/#Ce_riscuri_acopera_asigurarea_obligatorie_de_locuinta\" title=\"Ce riscuri acoper\u0103 asigurarea obligatorie de locuin\u021b\u0103?\">Ce riscuri acoper\u0103 asigurarea obligatorie de locuin\u021b\u0103?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.tili.ro\/blog\/ghidul-asigurare-obligatorie-locuinta-pad\/#Ce_inseamna_PAD_la_asigurare\" title=\"Ce \u00eenseamn\u0103 PAD la asigurare?\">Ce \u00eenseamn\u0103 PAD la asigurare?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.tili.ro\/blog\/ghidul-asigurare-obligatorie-locuinta-pad\/#Ce_acte_trebuie_pentru_asigurarea_locuintei\" title=\"Ce acte trebuie pentru asigurarea locuin\u021bei?\">Ce acte trebuie pentru asigurarea locuin\u021bei?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.tili.ro\/blog\/ghidul-asigurare-obligatorie-locuinta-pad\/#Ce_acopera_asigurarea_locuintei\" title=\"Ce acoper\u0103 asigurarea locuin\u021bei?\">Ce acoper\u0103 asigurarea locuin\u021bei?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.tili.ro\/blog\/ghidul-asigurare-obligatorie-locuinta-pad\/#Care_sunt_asigurarile_obligatorii\" title=\"Care sunt asigur\u0103rile obligatorii?\">Care sunt asigur\u0103rile obligatorii?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.tili.ro\/blog\/ghidul-asigurare-obligatorie-locuinta-pad\/#Ce_acopera_asigurarea_obligatorie_a_locuintei\" title=\"Ce acoper\u0103 asigurarea obligatorie a locuin\u021bei?\">Ce acoper\u0103 asigurarea obligatorie a locuin\u021bei?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.tili.ro\/blog\/ghidul-asigurare-obligatorie-locuinta-pad\/#Ce_acopera_asigurarea_facultativa_a_locuintei\" title=\"Ce acoper\u0103 asigurarea facultativ\u0103 a locuin\u021bei?\">Ce acoper\u0103 asigurarea facultativ\u0103 a locuin\u021bei?<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ce_este_asigurarea_obligatorie_de_locuinta\"><\/span>Ce este asigurarea obligatorie de locuin\u021b\u0103?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Asigurarea obligatorie de locuin\u021b\u0103, cunoscut\u0103 \u0219i sub numele de polita pad, este o poli\u021b\u0103 de asigurare \u00eempotriva dezastrelor naturale, obligatorie pentru proprietarii de locuin\u021b\u0103.<\/p>\n\n\n\n<p>Acoper\u0103 daunele produse de inunda\u021bii, cutremure sau alunec\u0103ri de teren asupra locuin\u021belor.<\/p>\n\n\n\n<div class=\"wp-block-group has-background has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-a32548eb wp-block-group-is-layout-constrained\" style=\"border-radius:24px;background-color:#f5faff;padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp\" alt=\"\" class=\"wp-image-312\" srcset=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp 1000w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-300x300.webp 300w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-150x150.webp 150w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-768x768.webp 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<a class=\"gb-button gb-button-5b33b56d gb-button-text\" href=\"https:\/\/tili.ro\/locuinta\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Vezi preturi asigurare locuinta<\/a>\n<\/div>\n\n\n\n<p>Este necesar s\u0103 \u00eenchei o asigurare obligatorie pentru locuin\u021b\u0103, inclusiv pentru locuin\u021be de serviciu, social\u0103, interven\u021bie, necesitate, protocol, \u0219i vacan\u021b\u0103.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/ee03357d-61b3-4763-91be-da18ada39fca.webp\" alt=\"\"\/><\/figure>\n\n\n\n<p>Asigurarea obligatorie de locuin\u021b\u0103 se \u00eemparte \u00een dou\u0103 categorii: Cladiri de tip A \u0219i Cladiri de tip B.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tipuri_de_asigurare_de_locuinta\"><\/span>Tipuri de asigurare de locuin\u021b\u0103<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><p>Asigurarea obligatorie de locuin\u021b\u0103 (PAD) &#8211; acoper\u0103 daunele produse de dezastre naturale.<\/p><\/li>\n\n\n\n<li><p>Asigurarea facultativ\u0103 a locuin\u021bei &#8211; acoper\u0103 daunele materiale cauzate de producerea riscurilor asigurate.<\/p><\/li>\n\n\n\n<li><p>Asigurarea locuin\u021bei tip A &#8211; construc\u021bia cu structura de rezisten\u021b\u0103 din beton armat metal ori lemn.<\/p><\/li>\n\n\n\n<li><p>Asigurarea locuin\u021bei tip B &#8211; construc\u021bia cu pere\u021bi exteriori din c\u0103r\u0103mida nears\u0103 sau din orice alte materiale nesupuse unui tratament termic \u0219i\/sau chimic.<\/p><\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group has-background has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-a32548eb wp-block-group-is-layout-constrained\" style=\"border-radius:24px;background-color:#f5faff;padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp\" alt=\"\" class=\"wp-image-312\" srcset=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp 1000w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-300x300.webp 300w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-150x150.webp 150w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-768x768.webp 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<a class=\"gb-button gb-button-5b33b56d gb-button-text\" href=\"https:\/\/tili.ro\/locuinta\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Vezi preturi asigurare locuinta<\/a>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Acoperirea_asigurarii\"><\/span>Acoperirea asigur\u0103rii<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><p>Asigurarea obligatorie de locuin\u021b\u0103 acoper\u0103 daunele produse de inunda\u021bii, cutremure sau alunec\u0103ri de teren asupra locuin\u021belor.<\/p><\/li>\n\n\n\n<li><p>Asigurarea facultativ\u0103 a locuin\u021bei acoper\u0103 daunele materiale cauzate de producerea riscurilor asigurate.<\/p><\/li>\n\n\n\n<li><p>Asigurarea locuin\u021bei tip A acoper\u0103 construc\u021biile cu structura de rezisten\u021b\u0103 din beton armat metal ori lemn.<\/p><\/li>\n\n\n\n<li><p>Asigurarea locuin\u021bei tip B acoper\u0103 construc\u021biile cu pere\u021bi exteriori din c\u0103r\u0103mida nears\u0103 sau din orice alte materiale nesupuse unui tratament termic \u0219i\/sau chimic, \u00een urma unui tratament termic.<\/p><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/7dee2d6d-3ae1-432f-9dde-4e2281a6ab5f.webp\" alt=\"\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cum_se_cumpara_o_polita_de_asigurare_de_locuinta\"><\/span>Cum se cump\u0103r\u0103 o poli\u021b\u0103 de asigurare de locuin\u021b\u0103?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><p>Poli\u021ba de asigurare de locuin\u021b\u0103 poate fi cump\u0103rat\u0103 online sau prin intermediul unui agent de asigurare.<\/p><\/li>\n\n\n\n<li><p>Este necesar s\u0103 furnizezi informa\u021bii despre locuin\u021ba ta, inclusiv despre valoarea ei \u0219i despre tipul de asigurare pe care \u00eel dore\u0219ti.<\/p><\/li>\n\n\n\n<li><p>Po\u021bi alege s\u0103 pl\u0103te\u0219ti prima de asigurare \u00een rate sau \u00eentr-o singur\u0103 tran\u0219\u0103.<\/p><\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group has-background has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-a32548eb wp-block-group-is-layout-constrained\" style=\"border-radius:24px;background-color:#f5faff;padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp\" alt=\"\" class=\"wp-image-312\" srcset=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp 1000w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-300x300.webp 300w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-150x150.webp 150w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-768x768.webp 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<a class=\"gb-button gb-button-5b33b56d gb-button-text\" href=\"https:\/\/tili.ro\/locuinta\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Vezi preturi asigurare locuinta<\/a>\n<\/div>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/555a5a4b-08dd-4e3f-a8f0-396eea04412f.webp\" alt=\"\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Beneficiile_asigurarii_de_locuinta\"><\/span>Beneficiile asigur\u0103rii de locuin\u021b\u0103<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><p>Asigurarea de locuin\u021b\u0103 te protejeaz\u0103 \u00eempotriva daunelor produse de dezastre naturale.<\/p><\/li>\n\n\n\n<li><p>Asigurarea facultativ\u0103 a locuin\u021bei te protejeaz\u0103 \u00eempotriva daunelor materiale cauzate de producerea riscurilor asigurate.<\/p><\/li>\n\n\n\n<li><p>Asigurarea locuin\u021bei tip A \u0219i tip B te protejeaz\u0103 \u00eempotriva daunelor produse de inunda\u021bii, cutremure sau alunec\u0103ri de teren asupra locuin\u021belor.<\/p><\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group has-background has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-a32548eb wp-block-group-is-layout-constrained\" style=\"border-radius:24px;background-color:#f5faff;padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp\" alt=\"\" class=\"wp-image-312\" srcset=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp 1000w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-300x300.webp 300w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-150x150.webp 150w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-768x768.webp 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<a class=\"gb-button gb-button-5b33b56d gb-button-text\" href=\"https:\/\/tili.ro\/locuinta\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Vezi preturi asigurare locuinta<\/a>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Calcularea_primei_de_asigurare\"><\/span>Calcularea primei de asigurare<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><p>Prima de asigurare se calculeaz\u0103 \u00een func\u021bie de valoarea locuin\u021bei \u0219i de tipul de asigurare pe care \u00eel dore\u0219ti.<\/p><\/li>\n\n\n\n<li><p>Pentru asigurarea obligatorie de locuin\u021b\u0103, prima de asigurare este de 50.000 lei pentru locuin\u021be de tip B \u0219i de 100.000 lei pentru locuin\u021be de tip A.<\/p><\/li>\n\n\n\n<li><p>Pentru asigurarea facultativ\u0103 a locuin\u021bei, prima de asigurare se calculeaz\u0103 \u00een func\u021bie de valoarea locuin\u021bei \u0219i de tipul de asigurare pe care \u00eel dore\u0219ti.<\/p><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/7a4a8d21-8cd5-4b73-b4f9-4897257ed30f.webp\" alt=\"\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Documente_necesare\"><\/span>Documente necesare<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><p>Actul de proprietate al locuin\u021bei.<\/p><\/li>\n\n\n\n<li><p>Cartea de identitate a proprietarului.<\/p><\/li>\n\n\n\n<li><p>Documente care atest\u0103 valoarea locuin\u021bei.<\/p><\/li>\n\n\n\n<li><p>Documente care atest\u0103 tipul de asigurare pe care \u00eel dore\u0219ti.<\/p><\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group has-background has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-a32548eb wp-block-group-is-layout-constrained\" style=\"border-radius:24px;background-color:#f5faff;padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp\" alt=\"\" class=\"wp-image-312\" srcset=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp 1000w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-300x300.webp 300w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-150x150.webp 150w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-768x768.webp 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<a class=\"gb-button gb-button-5b33b56d gb-button-text\" href=\"https:\/\/tili.ro\/locuinta\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Vezi preturi asigurare locuinta<\/a>\n<\/div>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/63b545ee-a4ed-4a63-9373-8d9e7eeed2ed.webp\" alt=\"\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Rezolvarea_daunelor\"><\/span>Rezolvarea daunelor<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><p>\u00cen cazul \u00een care se produce o daun\u0103, este necesar s\u0103 notifici asigur\u0103torul \u00een scris.<\/p><\/li>\n\n\n\n<li><p>Asigur\u0103torul va trimite un expert s\u0103 evalueze dauna \u0219i s\u0103 stabileasc\u0103 suma de bani care trebuie pl\u0103tit\u0103.<\/p><\/li>\n\n\n\n<li><p>Suma de bani se va pl\u0103ti \u00een termen de 30 de zile de la data notific\u0103rii.<\/p><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/d43ce015-004c-469d-818e-00adc301556f.webp\" alt=\"\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cat_costa_asigurarea_obligatorie_de_locuinta\"><\/span>C\u00e2t cost\u0103 asigurarea obligatorie de locuin\u021b\u0103?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Asigurarea obligatorie de locuin\u021b\u0103<\/strong>, cunoscut\u0103 \u0219i sub numele de <strong>polita pad<\/strong>, protejeaz\u0103 \u00eempotriva riscurilor naturale majore, precum cutremure, inunda\u021bii \u0219i alunec\u0103ri de teren. Pre\u021bul acestei asigur\u0103ri este fix, stabilit prin lege, \u0219i variaz\u0103 \u00een func\u021bie de tipul construc\u021biei. Pentru o locuin\u021b\u0103 de <strong>Tip A<\/strong> (construit\u0103 din <strong>beton armat, metal<\/strong> sau alte materiale rezistente), prima anual\u0103 este de 26 euro, iar pentru o locuin\u021b\u0103 de <strong>Tip B<\/strong> (construit\u0103 din <strong>materiale nesupuse unui tratament termic<\/strong> sau lemn), costul este de 10 euro pe an.<\/p>\n\n\n\n<div class=\"wp-block-group has-background has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-a32548eb wp-block-group-is-layout-constrained\" style=\"border-radius:24px;background-color:#f5faff;padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp\" alt=\"\" class=\"wp-image-312\" srcset=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp 1000w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-300x300.webp 300w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-150x150.webp 150w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-768x768.webp 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<a class=\"gb-button gb-button-5b33b56d gb-button-text\" href=\"https:\/\/tili.ro\/locuinta\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Vezi preturi asigurare locuinta<\/a>\n<\/div>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/73ebaed2-5b07-4a5c-b253-d1a77e0c1aaf.webp\" alt=\"\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ce_este_asigurarea_obligatorie_a_locuintei\"><\/span>Ce este asigurarea obligatorie a locuin\u021bei?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Asigurarea obligatorie a locuin\u021bei este o poli\u021b\u0103 destinat\u0103 protej\u0103rii locuin\u021bei \u00eempotriva <strong>dezastrelor naturale<\/strong>, cum ar fi cutremurele, alunec\u0103rile de teren \u0219i <strong>inunda\u021biile din cauze naturale<\/strong>. Aceasta este impus\u0103 de lege \u0219i are scopul de a acoperi daunele provocate de astfel de riscuri. Suma asigurat\u0103 \u00een cazul poli\u021bei PAD este de 20.000 euro pentru locuin\u021bele de Tip A \u0219i 10.000 euro pentru locuin\u021bele de Tip B. Este important de men\u021bionat c\u0103 aceasta este o asigurare de baz\u0103 \u0219i nu acoper\u0103 toate riscurile posibile pentru o locuin\u021b\u0103.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/9a23f8b5-67b1-4594-9821-d222196a5603.webp\" alt=\"\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ce_acte_sunt_necesare_pentru_asigurarea_locuintei\"><\/span>Ce acte sunt necesare pentru asigurarea locuin\u021bei?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pentru \u00eencheierea unei <strong>asigur\u0103ri obligatorii pentru locuin\u021b\u0103<\/strong>, ai nevoie de c\u00e2teva documente simple: <\/p>\n\n\n\n<p>&#8211; Actul de identitate al proprietarului.<\/p>\n\n\n\n<p>&#8211; Documente care s\u0103 ateste dreptul de proprietate asupra locuin\u021bei (contract de v\u00e2nzare-cump\u0103rare, extras de carte funciar\u0103).<\/p>\n\n\n\n<p>&#8211; Detalii despre locuin\u021b\u0103, inclusiv <strong>tipul de construc\u021bie<\/strong> (Tip A sau Tip B) \u0219i adresa exact\u0103.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/e537dd9f-f87c-4772-8623-f791ae80c26d.webp\" alt=\"\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ce_inseamna_asigurarea_obligatorie\"><\/span>Ce \u00eenseamn\u0103 asigurarea obligatorie?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Asigurarea obligatorie<\/strong> este o poli\u021b\u0103 impus\u0103 prin lege, care asigur\u0103 protec\u021bia proprietarilor de locuin\u021be \u00eempotriva anumitor riscuri majore. Aceasta este esen\u021bial\u0103 pentru orice locuin\u021b\u0103 din Rom\u00e2nia, conform <strong>legii<\/strong> 260\/2008, \u0219i este gestionat\u0103 prin <strong>Pool-ul de Asigurare \u00eempotriva Dezastrelor Naturale<\/strong> (PAD).<\/p>\n\n\n\n<div class=\"wp-block-group has-background has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-a32548eb wp-block-group-is-layout-constrained\" style=\"border-radius:24px;background-color:#f5faff;padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp\" alt=\"\" class=\"wp-image-312\" srcset=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp 1000w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-300x300.webp 300w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-150x150.webp 150w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-768x768.webp 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<a class=\"gb-button gb-button-5b33b56d gb-button-text\" href=\"https:\/\/tili.ro\/locuinta\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Vezi preturi asigurare locuinta<\/a>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ce_este_un_PAD\"><\/span>Ce este un PAD?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>PAD<\/strong> este acronimul pentru <strong>Poli\u021ba de Asigurare \u00eempotriva Dezastrelor Naturale<\/strong>, care este obligatorie pentru toate locuin\u021bele din Rom\u00e2nia. Aceasta ofer\u0103 protec\u021bie financiar\u0103 pentru daunele produse de cutremure, inunda\u021bii \u0219i alunec\u0103ri de teren, riscuri majore care pot afecta structura unei locuin\u021be.<\/p>\n\n\n\n<div class=\"wp-block-group has-background has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-a32548eb wp-block-group-is-layout-constrained\" style=\"border-radius:24px;background-color:#f5faff;padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp\" alt=\"\" class=\"wp-image-312\" srcset=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp 1000w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-300x300.webp 300w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-150x150.webp 150w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-768x768.webp 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<a class=\"gb-button gb-button-5b33b56d gb-button-text\" href=\"https:\/\/tili.ro\/locuinta\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Vezi preturi asigurare locuinta<\/a>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ce_cuprinde_asigurarea_PAD\"><\/span>Ce cuprinde asigurarea PAD?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Asigurarea PAD acoper\u0103 trei riscuri majore:<\/p>\n\n\n\n<p>1. <strong>Cutremure<\/strong> \u2013 daunele provocate locuin\u021bei \u00een urma unui cutremur.<\/p>\n\n\n\n<p>2. <strong>Inunda\u021bii din cauze naturale<\/strong> \u2013 distrugerile produse de inunda\u021bii provenite din surse naturale.<\/p>\n\n\n\n<p>3. <strong>Alunec\u0103ri de teren<\/strong> \u2013 daunele cauzate de deplasarea terenului \u00een urma unor factori naturali.<\/p>\n\n\n\n<p>Poli\u021ba PAD este obligatorie \u0219i ofer\u0103 o acoperire de maxim 20.000 de euro pentru locuin\u021bele de Tip A \u0219i 10.000 de euro pentru locuin\u021bele de Tip B.<\/p>\n\n\n\n<div class=\"wp-block-group has-background has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-a32548eb wp-block-group-is-layout-constrained\" style=\"border-radius:24px;background-color:#f5faff;padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp\" alt=\"\" class=\"wp-image-312\" srcset=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp 1000w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-300x300.webp 300w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-150x150.webp 150w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-768x768.webp 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<a class=\"gb-button gb-button-5b33b56d gb-button-text\" href=\"https:\/\/tili.ro\/locuinta\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Vezi preturi asigurare locuinta<\/a>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cine_poate_incheia_PAD\"><\/span>Cine poate \u00eencheia PAD?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Orice proprietar de locuin\u021b\u0103 din Rom\u00e2nia poate \u0219i trebuie s\u0103 \u00eencheie o poli\u021b\u0103 <strong>PAD<\/strong>. De asemenea, asocia\u021biile de proprietari pot \u00eencheia o poli\u021b\u0103 pentru cl\u0103dirile de locuin\u021be. Fiecare proprietar este responsabil pentru asigurarea locuin\u021bei proprii \u00een cazul \u00een care aceasta este supus\u0103 riscurilor naturale.<\/p>\n\n\n\n<div class=\"wp-block-group has-background has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-a32548eb wp-block-group-is-layout-constrained\" style=\"border-radius:24px;background-color:#f5faff;padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp\" alt=\"\" class=\"wp-image-312\" srcset=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp 1000w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-300x300.webp 300w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-150x150.webp 150w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-768x768.webp 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<a class=\"gb-button gb-button-5b33b56d gb-button-text\" href=\"https:\/\/tili.ro\/locuinta\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Vezi preturi asigurare locuinta<\/a>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ce_riscuri_acopera_asigurarea_obligatorie_de_locuinta\"><\/span>Ce riscuri acoper\u0103 asigurarea obligatorie de locuin\u021b\u0103?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Asigurarea obligatorie de locuin\u021b\u0103<\/strong>, adic\u0103 poli\u021ba PAD, acoper\u0103 doar riscurile <strong>\u00eempotriva dezastrelor naturale<\/strong>: <strong>cutremure, inunda\u021bii \u0219i alunec\u0103ri de teren<\/strong>. Aceasta nu acoper\u0103 riscurile precum incendii, furtuni sau furturi, pentru care proprietarii pot \u00eencheia o <strong>asigurare facultativ\u0103<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ce_inseamna_PAD_la_asigurare\"><\/span>Ce \u00eenseamn\u0103 PAD la asigurare?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>PAD<\/strong> la asigurare reprezint\u0103 <strong>Poli\u021ba de Asigurare \u00eempotriva Dezastrelor Naturale<\/strong>. Este un contract obligatoriu prin care proprietarii de locuin\u021be sunt proteja\u021bi financiar \u00een caz de cutremure, inunda\u021bii \u0219i alunec\u0103ri de teren.<\/p>\n\n\n\n<div class=\"wp-block-group has-background has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-a32548eb wp-block-group-is-layout-constrained\" style=\"border-radius:24px;background-color:#f5faff;padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp\" alt=\"\" class=\"wp-image-312\" srcset=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp 1000w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-300x300.webp 300w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-150x150.webp 150w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-768x768.webp 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<a class=\"gb-button gb-button-5b33b56d gb-button-text\" href=\"https:\/\/tili.ro\/locuinta\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Vezi preturi asigurare locuinta<\/a>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ce_acte_trebuie_pentru_asigurarea_locuintei\"><\/span>Ce acte trebuie pentru asigurarea locuin\u021bei?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pentru a \u00eencheia o <strong>asigurare PAD<\/strong> sau o asigurare facultativ\u0103 a locuin\u021bei, vei avea nevoie de:<\/p>\n\n\n\n<p>&#8211; Actul de identitate al proprietarului.<\/p>\n\n\n\n<p>&#8211; Documente de proprietate asupra locuin\u021bei (contract de v\u00e2nzare-cump\u0103rare, extras de carte funciar\u0103).<\/p>\n\n\n\n<p>&#8211; Detalii despre locuin\u021b\u0103, inclusiv <strong>tipul construc\u021biei<\/strong> (Tip A sau Tip B).<\/p>\n\n\n\n<div class=\"wp-block-group has-background has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-a32548eb wp-block-group-is-layout-constrained\" style=\"border-radius:24px;background-color:#f5faff;padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp\" alt=\"\" class=\"wp-image-312\" srcset=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp 1000w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-300x300.webp 300w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-150x150.webp 150w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-768x768.webp 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<a class=\"gb-button gb-button-5b33b56d gb-button-text\" href=\"https:\/\/tili.ro\/locuinta\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Vezi preturi asigurare locuinta<\/a>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ce_acopera_asigurarea_locuintei\"><\/span>Ce acoper\u0103 asigurarea locuin\u021bei?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Asigurarea locuin\u021bei<\/strong>, fie c\u0103 este obligatorie (PAD) sau facultativ\u0103, acoper\u0103 diverse riscuri. Poli\u021ba PAD acoper\u0103 doar daunele provocate de <strong>cutremure, inunda\u021bii din cauze naturale<\/strong> \u0219i <strong>alunec\u0103ri de teren<\/strong>. O <strong>asigurare facultativ\u0103 a locuin\u021bei<\/strong> poate acoperi riscuri suplimentare, precum incendii, furtuni, furturi sau vandalism.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Care_sunt_asigurarile_obligatorii\"><\/span>Care sunt asigur\u0103rile obligatorii?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u00cen Rom\u00e2nia, principalele asigur\u0103ri obligatorii sunt:<\/p>\n\n\n\n<p>1. <strong>Asigurarea obligatorie de r\u0103spundere civil\u0103 auto (RCA)<\/strong>.<\/p>\n\n\n\n<p>2. <strong>Asigurarea obligatorie de locuin\u021b\u0103 (PAD)<\/strong>, care protejeaz\u0103 \u00eempotriva dezastrelor naturale.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ce_acopera_asigurarea_obligatorie_a_locuintei\"><\/span>Ce acoper\u0103 asigurarea obligatorie a locuin\u021bei?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Asigurarea obligatorie a locuin\u021bei, <strong>PAD<\/strong>, acoper\u0103 exclusiv daunele produse de <strong>cutremure<\/strong>, <strong>inunda\u021bii naturale<\/strong> \u0219i <strong>alunec\u0103ri de teren<\/strong>. Aceasta nu acoper\u0103 daunele provocate de incendii, furtuni sau alte evenimente, pentru care este necesar\u0103 o asigurare facultativ\u0103.<\/p>\n\n\n\n<div class=\"wp-block-group has-background has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-a32548eb wp-block-group-is-layout-constrained\" style=\"border-radius:24px;background-color:#f5faff;padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp\" alt=\"\" class=\"wp-image-312\" srcset=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp 1000w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-300x300.webp 300w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-150x150.webp 150w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-768x768.webp 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<a class=\"gb-button gb-button-5b33b56d gb-button-text\" href=\"https:\/\/tili.ro\/locuinta\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Vezi preturi asigurare locuinta<\/a>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ce_acopera_asigurarea_facultativa_a_locuintei\"><\/span>Ce acoper\u0103 asigurarea facultativ\u0103 a locuin\u021bei?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>O <strong>asigurare facultativ\u0103 a locuin\u021bei<\/strong> extinde protec\u021bia oferit\u0103 de poli\u021ba PAD \u0219i acoper\u0103 riscuri precum: <strong>incendii, furturi, furtuni, vandalism<\/strong> sau alte daune provocate locuin\u021bei \u0219i bunurilor din interior. Aceasta poate fi personalizat\u0103 \u00een func\u021bie de nevoile fiec\u0103rui proprietar.<\/p>\n\n\n\n<p><strong>Asigurarea obligatorie a locuin\u021bei<\/strong> este un pas necesar pentru a te proteja \u00eempotriva celor mai grave dezastre naturale. Fie c\u0103 alegi s\u0103 \u00eenchei doar poli\u021ba PAD sau optezi \u0219i pentru o asigurare facultativ\u0103, este esen\u021bial s\u0103 te asiguri c\u0103 locuin\u021ba ta este acoperit\u0103 pentru riscurile majore \u0219i evenimentele neprev\u0103zute care ar putea ap\u0103rea.<\/p>\n\n\n\n<div class=\"wp-block-group has-background has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-a32548eb wp-block-group-is-layout-constrained\" style=\"border-radius:24px;background-color:#f5faff;padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp\" alt=\"\" class=\"wp-image-312\" srcset=\"https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta.webp 1000w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-300x300.webp 300w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-150x150.webp 150w, https:\/\/www.tili.ro\/blog\/wp-content\/uploads\/2024\/09\/Asigurari-locuinta-768x768.webp 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<a class=\"gb-button gb-button-5b33b56d gb-button-text\" href=\"https:\/\/tili.ro\/locuinta\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Vezi preturi asigurare locuinta<\/a>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Ce este asigurarea obligatorie de locuin\u021b\u0103? Asigurarea obligatorie de locuin\u021b\u0103, cunoscut\u0103 \u0219i sub numele de polita pad, este o poli\u021b\u0103 de asigurare \u00eempotriva dezastrelor naturale, obligatorie pentru proprietarii de locuin\u021b\u0103. Acoper\u0103 daunele produse de inunda\u021bii, cutremure sau alunec\u0103ri de teren asupra locuin\u021belor. Este necesar s\u0103 \u00eenchei o asigurare obligatorie pentru locuin\u021b\u0103, inclusiv pentru locuin\u021be de [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":456,"comment_status":"open","ping_status":"open","sticky":false,"template":"single-with-sidebar","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-454","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.tili.ro\/blog\/wp-json\/wp\/v2\/posts\/454","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.tili.ro\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.tili.ro\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.tili.ro\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tili.ro\/blog\/wp-json\/wp\/v2\/comments?post=454"}],"version-history":[{"count":2,"href":"https:\/\/www.tili.ro\/blog\/wp-json\/wp\/v2\/posts\/454\/revisions"}],"predecessor-version":[{"id":458,"href":"https:\/\/www.tili.ro\/blog\/wp-json\/wp\/v2\/posts\/454\/revisions\/458"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.tili.ro\/blog\/wp-json\/wp\/v2\/media\/456"}],"wp:attachment":[{"href":"https:\/\/www.tili.ro\/blog\/wp-json\/wp\/v2\/media?parent=454"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tili.ro\/blog\/wp-json\/wp\/v2\/categories?post=454"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.tili.ro\/blog\/wp-json\/wp\/v2\/tags?post=454"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}