OREANDA-NEWS. December 07, 2009. ROSNO has concluded four big real estate insurance contracts for more than 67 million roubles in the Nizhny Novgorod Region and Republic of Chuvashia, reported the press-centre of ROSNO.

Two cottages located near the city of Nizhni Novgorod have been insured against all risks: fire, explosion, lightning stroke, aircraft impact, unlawful third-party actions, burglary, robbery, brigandage; flood, natural disasters, collision with transport vehicles, glass breakage, damage by extraneous objects; rescue-related expenses, and cleaning-up expenses at the rate of up to 5% of the amount of damages. The insurance amount under these contracts is 12 million roubles and 10 million 682 thousand roubles.

The other country house located in the Nizhny Novgorod Region has been insured for 31 million 147 thousand roubles. Its owner has extended the insurance coverage and, except standards risks, has also included the following risks: flood as a result of clothes and dish washer breakage; mechanical damage of aquarium or its life support system breakage, liquid freezing in water-supply systems; change of voltage; fall of trees or posts; rescue-related expenses, and cleaning-up expenses at the rate of up to 10% of the amount of damages, costs of insured property relocation and protection at the rate of up to 10% of the amount of damages, costs of early return and rented apartment for the time of repair at the rate of up to 5% of the amount insured, as well as costs of door lock replacement. Besides he insured the house movables for 2 million 210 thousand roubles.

One more contract under the Citadel cottage insurance program for 11 million 410 thousand roubles has been concluded in the city of Cheboksary. The insurance contract contemplates protection from all risks: except "fire" risks it also includes compensation of rescue-related expenses and cleaning-up expenses at the rate of up to 5% of the amount of damages.

The Citadel cottage insurance program provides comprehensive protection of cottages, their interior furnishing and plumbing systems. The program also includes insurance of house contents, land plots with household outbuildings, as well as landscape structures and trees included.

According to Svetlana Miloshevich, an individual insurance underwriter of ROSNO’s Privolzhskaya Directorate, there is a tendency to increase in collections from the segment of expensive individual property insurance. Much of it can be contributed to the fact that owners of luxury cottages and country houses feel solicitude for protection of their property under the condition of complicated economic situation.