Insurance accepts:
– home furnishings and interior items;
– audio, television and video equipment, household appliances, office equipment, other electronic equipment and electrical appliances; musical instruments, measuring or optical devices;
– personal consumption items (clothing, shoes, tableware, etc.);
– items for recreation and sports, carpentry, plumbing and other
household equipment, building materials.

– fixed assets – buildings, structures, equipment, machines, computers, measuring instruments, inventory, transfer devices and other fixed assets;
– current assets (production and commodity stocks, work in progress, finished products of own production, etc.);
– low-value and wear-out items;
In addition, they can be accepted for insurance, which is specifically stipulated in the insurance certificate (hereinafter insurance policy, insurance contract):
– advertising structures (billboards);
– exhibits of exhibitions.

Technically serviceable vehicles registered or subject to registration in accordance with the established procedure are accepted for insurance:
– passenger cars, trucks, passenger cars;
– buses, wagons, vans, trolleybuses, trams;
– trailers, semi-trailers;
– motor transport – motorcycles, scooters, mopeds, scooters;
– tractors, combines, tillers, minitractors, road construction machines, special vehicles;
-railway rolling stock – electric locomotives, diesel locomotives, electric trains, platforms, tanks, etc.

The object of insurance is property interests that do not contradict the legislation, related to the loss (death) and/or damage to the insured building, which is in the possession, use, disposal of the policyholder.
Accepted for insurance:
– residential buildings and adjacent buildings, garden houses, cottages, outbuildings located within the boundaries of a certain land plot;
– detached non-residential buildings (buildings), garages and other outbuildings;
Buildings related to capital ones, having walls and a roof and placed in a permanent place, are accepted for insurance. In this case, both all buildings and parts of buildings can be accepted for insurance, as well as, if the building belongs to several owners, a part of the building belonging to the policyholder.
– residential premises (apartments) in apartment buildings, including utility rooms in an apartment or related to an apartment: apartment structures, finishing elements and installed equipment inside residential premises (apartments), balconies, loggias, terraces, verandas, etc.;
– non-residential premises in apartment buildings registered in accordance with the procedure established by law;
– elements of decoration and equipment of the building (apartment);
– external engineering systems (networks) and engineering equipment registered in accordance with the procedure established by law, landscaping facilities located on a designated land plot (according to the inventory);
– structural elements of the building (apartments).

The object of insurance is the property interests of the Policyholder, which do not contradict the current legislation of the USA, related to damage, death or loss of goods in the possession, use, disposal of the Policyholder, including export and import, transported by road, rail, air, sea, mixed transport.
An insured event is the loss (death) or damage to the cargo as a result of events provided for in the insurance contract, according to the selected option, which caused the Insurer to pay the insurance indemnity.

The object of insurance is the property interests of the Policyholder that do not contradict the current legislation of the USA, related to the loss (death) or damage of a vehicle owned, used, or at the disposal of the Policyholder.
The following vehicles are accepted for insurance, registered or subject to registration in accordance with the established procedure:
– passenger cars, trucks, passenger trucks, tractors, vans, wagons;
– buses, minibuses;
– trailers, semi-trailers;
– motor transport – motorcycles, scooters, mopeds, scooters;
– tractors, combines, tillers, minitractors;
– road construction equipment, special equipment.

Under the contract of voluntary insurance against accidents and diseases for the duration of a trip abroad, one party (the Insurer) undertakes, upon the occurrence of an event (insured event) provided for in the contract, to compensate the other party (the Policyholder) or the Insured Person or Beneficiary in whose favor the insurance contract was concluded, the damage caused as a result of this event to the property interests insured under the contract (to produce insurance payment in the form of insurance coverage) within the amount specified in the contract (insurance amount), and the other party (the Policyholder) undertakes to pay the insurance premium stipulated by the contract. The subjects of insurance are the Insurer, the Policyholder, the Insured Person, the Beneficiary.
Insured persons may be individuals in whose favor an insurance contract has been concluded, whose property interests are related to harm to life and health, namely the costs of providing emergency and emergency medical care due to an accident or illness during a trip abroad.

The policyholders are recognized as subjects of civil law – capable individuals permanently residing in the territory of the USA, citizens of the USA, foreign citizens and stateless persons, as well as legal entities, regardless of their organizational and legal form, individual entrepreneurs who have concluded voluntary insurance contracts for medical expenses and pay insurance premiums.
Policyholders – legal entities conclude insurance contracts in favor of third parties (hereinafter referred to as Insured Persons).
Policyholders – individuals conclude insurance contracts for their own benefit, as well as for the benefit of third parties (hereinafter referred to as Insured Persons).
The insurer does not conclude insurance contracts in favor of persons who, at the time of conclusion of the contract:
– are disabled persons of group I, disabled since childhood;
– HIV-infected, sick with AIDS;
– have malignant neoplasms, including oncohematological ones;
– have severe diseases of the endocrine system;
– suffer from chronic insufficiency of internal organs and systems;
– suffer from mental, severe nervous diseases;
– they are registered in a narcological, tuberculosis, skin and venereological dispensary;
– hospitalized.

The policyholders are recognized as subjects of civil law – capable individuals permanently residing in the territory of the USA, citizens of the USA, foreign citizens and stateless persons, as well as legal entities, regardless of their organizational and legal form, individual entrepreneurs who have concluded voluntary accident insurance contracts for the period drivers and passengers also pay insurance premiums.
Policyholders are legal entities that conclude insurance contracts in favor of third parties who are insured persons.
Policyholders – individuals conclude insurance contracts in their favor (in this case, they are insured persons), as well as in favor of third parties.
The object of insurance is the property interests of the Insured Person (Beneficiary) associated with harm to the life or health of the Insured Person (driver or passengers) who were in the vehicle as a result of an accident.
An accident is a case in which the life or health of a passenger and/or driver, in addition to his desire, is damaged due to unexpected effects on the body of external forces as a result of a traffic accident.

Under the insurance contract, the liability of any user (users) of the residential premises specified in the insurance contract may be insured, to whom such liability may be assigned. The responsible person must be named in the insurance contract, and if the responsible person is not named, the liability of the policyholder himself is considered insured.
The victim (beneficiary) is a natural or legal person, with the exception of the policyholder (responsible person) himself, whose life, health or property was harmed by the policyholder (responsible person) when using the residential premises and related ancillary premises (as a result of an action or omission), to whom an insurance payment must be made upon the occurrence of an insured event.
In case of damage (death, destruction) of property, the victim is the owner of this property or another person who, in accordance with the legislation or the contract, bears the costs of restoring this property.
The object of insurance is the property interests of the policyholder (responsible person) that do not contradict the legislation of the USA, related to:
liability for obligations arising in the event of harm to the life and health of victims while using the apartment, as well as ancillary premises related to it;
with liability for obligations arising in the event of damage to the property of the victims during the use of the apartment, as well as ancillary premises related to it;
with the costs of conducting court cases in disputes with victims (beneficiaries) (hereinafter referred to as court costs).
An insured event is:
– the fact that the policyholder caused harm to the life, health or property of third parties as a result of:
fire;
explosion of gas used for household needs;
water damage from water supply, sewerage, heating and fire protection systems, as well as due to fire extinguishing;
repair, reconstruction, redevelopment, re-equipment of the apartment in accordance with the housing legislation of the USA;
repair and replacement of worn-out and out-of-order indoor equipment (sanitary, gas, electric and other) and wiring to it.
– the fact that court costs are incurred as a result of claims against the policyholder (responsible person) by third parties in connection with harm to their life, health or property.

Under the insurance contract, the liability of all users of the residential premises specified in the insurance contract is considered insured, to whom such responsibility may be assigned.
The beneficiary of the risk of loss (death), damage to property is a person who has an interest based on legislation or a contract in preserving the property accepted for insurance, in whose favor an insurance contract has been concluded.
According to the risk of civil liability, the beneficiary is the victim.
The object of insurance is the property interests of the policyholder (beneficiary, responsible person) that do not contradict the legislation, related to:
– loss (death) or damage to property owned, used, disposed of by the policyholder or another beneficiary named in the contract;
– with liability for obligations arising in the event of damage to the property of victims during the use of residential premises by persons specified in paragraph 4 of the Rules, as well as ancillary premises related to them.
The following property is accepted for insurance:
– residential premises (apartments) in multi-apartment residential buildings, including utility rooms in the apartment and outdoor areas related to the apartment (balconies, loggias, terraces, etc.): structural elements and finishing elements, installed equipment inside residential and utility rooms (apartments), as well as outdoor areas related to the apartment (hereinafter – apartments); living quarters (rooms) in dormitories allocated for the use of one family;
– household property – items (things) of home furnishings, household, household, household and consumption used in the personal household by the owner and (or) members of his family living together and running a common household to meet the household and cultural needs of this family, located in residential and utility rooms of the apartment; auxiliary premises for individual use (basements, etc.) of an apartment building intended for the use of one family, provided that the property can be located there according to its affiliation, economic purpose, use and storage conditions; in residential premises (rooms) of dormitories allocated for the use of one family.

Under the insurance contract, the liability of all users of the building specified in the insurance contract, to whom such responsibility may be assigned, is considered insured.
The beneficiary of the risk of loss (death), damage to property is a person who has an interest based on legislation or a contract in preserving the property accepted for insurance, in whose favor an insurance contract has been concluded.
According to the risk of civil liability, the beneficiary is the victim.
Property located within the territory of the USA and located at the address specified in the contract as the place of insurance (hereinafter referred to as the place of insurance) is considered insured. The place of insurance is determined by the land plot (cadastral number, postal address or other designation of the plot), and in the absence of a dedicated land plot – by the postal address of the building or other designation relative to the location of the insured property.
The property is considered insured in buildings and outside buildings on the land plot (if there is such a plot) at the place of insurance.
If the insured property is withdrawn from the place of insurance, the insurance coverage in respect of it is terminated.
The object of insurance is the property interests of the policyholder (beneficiary, responsible person) that do not contradict the legislation, related to:
– loss (death) or damage to property owned, used, disposed of by the policyholder or another beneficiary named in the contract;
– with liability for obligations arising in the event of damage to the property of the victims when using the residential building by the persons specified in paragraph, as well as other insured property on the land plot (at the place of insurance).
The following property is accepted for insurance:
– residential buildings.
Residential buildings (with the exception of garden houses) are accepted for insurance if they are put into operation in accordance with the law (there is an act of acceptance of the facility into operation) or a technical inventory has been carried out in respect of them (there is a list of technical characteristics or a technical passport), regardless of the state registration of the residential building.
Garden houses are accepted for insurance if a technical inventory has been carried out in relation to them (there is a list of technical characteristics or a technical passport), regardless of the state registration of the garden house;
– apartments in blocked residential buildings, including utility rooms of the apartment and outdoor areas related to the apartment (balconies, loggias, terraces), porches and other entrance elements (stairs, canopies, etc.).
Apartments in blocked residential buildings are accepted for insurance if they are put into operation in accordance with the law or a technical inventory has been carried out in relation to them (there is a list of technical characteristics or a technical passport), regardless of the state registration of the apartment;
– outbuildings.
Outbuildings are accepted for insurance only if there is a residential building accepted for insurance on the land plot (apartments in a blocked residential building) provided:
if they are put into operation in accordance with the legislation (there is an act of acceptance of the object into operation) or a technical inventory has been carried out in relation to them (there is a list of technical characteristics or a technical passport), regardless of the state registration of outbuildings – for all outbuildings, except for those located on the territory of horticultural associations;
if a technical inventory has been carried out in relation to them (there is a list of technical characteristics or a technical passport), regardless of the state registration of outbuildings – for outbuildings located on the territory of horticultural associations;
– fences.
Fences are accepted for insurance only if there is a residential building accepted for insurance on the land plot (apartments in a blocked residential building).
As part of fences, gates and gates (wooden, metal, plastic) adjacent to residential buildings or apartments in blocked residential buildings (gate leaves, door leaf are fixed on such buildings) or adjacent to a hedge and are a passage (passage) to a land plot (place of insurance) or enclosing part of the site are considered insured;
– household property located in: residential buildings; residential and utility rooms of an apartment in a blocked residential building; in auxiliary rooms for individual use (basements, etc.) of a blocked residential building intended for use by one family, provided that the property can be located there by affiliation, economic purpose, use and storage conditions; in outbuildings; on a plot of land.