{"id":60834,"date":"2022-05-31T07:54:18","date_gmt":"2022-05-31T07:54:18","guid":{"rendered":"http:\/\/scandinavia.life\/paskaidrojumi-par-majokla-apdrosinasanu-zviedrija\/"},"modified":"2025-07-01T11:24:51","modified_gmt":"2025-07-01T11:24:51","slug":"paskaidrojumi-par-majokla-apdrosinasanu-zviedrija","status":"publish","type":"post","link":"https:\/\/scandinavia.life\/lv\/paskaidrojumi-par-majokla-apdrosinasanu-zviedrija\/","title":{"rendered":"Paskaidrojumi par m\u0101jok\u013ca apdro\u0161in\u0101\u0161anu Zviedrij\u0101"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">K\u0101 \u0101rzemnieks j\u016bs, iesp\u0113jams, neesat paz\u012bstams ar Zviedrijas m\u0101jok\u013ca apdro\u0161in\u0101\u0161anas sist\u0113mu. \u0160aj\u0101 bloga ierakst\u0101 m\u0113s izskaidrosim m\u0101jok\u013ca apdro\u0161in\u0101\u0161anas pamatus Zviedrij\u0101.<\/p>\n\n<p class=\"wp-block-paragraph\">Zviedrij\u0101 ir divu veidu m\u0101jok\u013ca apdro\u0161in\u0101\u0161ana: <strong>\u0113ku apdro\u0161in\u0101\u0161ana<\/strong> un <strong>\u012bpa\u0161uma apdro\u0161in\u0101\u0161ana<\/strong>. \u0112kas apdro\u0161in\u0101\u0161ana attiecas uz pa\u0161u \u0113ku, bet \u012bpa\u0161uma apdro\u0161in\u0101\u0161ana &#8211; uz j\u016bsu mant\u0101m.<\/p>\n\n<p class=\"wp-block-paragraph\">M\u0101jok\u013ca apdro\u0161in\u0101\u0161ana Zviedrij\u0101 nav oblig\u0101ta, ta\u010du ir ieteicama. Ja jums ir hipotek\u0101rais kred\u012bts, aizdev\u0113js parasti pieprasa, lai jums b\u016btu gan \u0113ku, gan \u012bpa\u0161uma apdro\u0161in\u0101\u0161ana.<\/p>\n\n<p class=\"wp-block-paragraph\">Izv\u0113loties m\u0101jok\u013ca apdro\u0161in\u0101\u0161anas polisi Zviedrij\u0101, j\u0101\u0146em v\u0113r\u0101 da\u017eas lietas. Vispirms uzman\u012bgi izlasiet s\u012bk\u0101 druk\u0101to tekstu. Da\u017e\u0101s polis\u0113s ir iz\u0146\u0113mumi vai ierobe\u017eojumi attiec\u012bb\u0101 uz noteiktiem zaud\u0113jumu veidiem, t\u0101p\u0113c ir svar\u012bgi zin\u0101t, kas ir un kas nav apdro\u0161in\u0101ts.<\/p>\n\n<p class=\"wp-block-paragraph\">Otrk\u0101rt, \u0146emiet v\u0113r\u0101 atskait\u012bjumus. Jo augst\u0101ka ir pa\u0161riska atlaide, jo zem\u0101ka ir pr\u0113mija, ta\u010du jums b\u016bs j\u0101maks\u0101 vair\u0101k no savas kabatas, ja jums b\u016bs j\u0101iesniedz pras\u012bba.<\/p>\n\n<p class=\"wp-block-paragraph\">Visbeidzot, p\u0101rliecinieties, vai esat apmierin\u0101ts ar izv\u0113l\u0113to uz\u0146\u0113mumu. Izp\u0113tiet to klientu apkalpo\u0161anas v\u0113sturi un finansi\u0101lo stabilit\u0101ti, lai p\u0101rliecin\u0101tos, ka vi\u0146i jums pal\u012bdz\u0113s, ja jums b\u016bs nepiecie\u0161ams iesniegt pras\u012bbu.<\/p>\n\n<h2 class=\"wp-block-heading\">M\u0101jok\u013ca apdro\u0161in\u0101\u0161ana Zviedrij\u0101<\/h2>\n\n<p class=\"wp-block-paragraph\">M\u0101jok\u013ca apdro\u0161in\u0101\u0161ana Zviedrij\u0101 nav oblig\u0101ta, ta\u010du t\u0101 ir \u013coti ieteicama.<\/p>\n\n<p class=\"wp-block-paragraph\">Ir daudzi iemesli, k\u0101d\u0113\u013c persona var\u0113tu apsv\u0113rt m\u0101jok\u013ca apdro\u0161in\u0101\u0161anu Zviedrij\u0101. Da\u017ei no visbie\u017e\u0101k sastopam\u0101kajiem iemesliem ir \u0161\u0101di:<\/p>\n\n<ol class=\"has-contrast-color has-base-2-background-color has-text-color has-background wp-block-list\"><li>Jums pieder m\u0101joklis Zviedrij\u0101.<\/li><li>J\u016bs pl\u0101nojat ieg\u0101d\u0101ties m\u0101jokli Zviedrij\u0101.<\/li><li>J\u016bs \u012br\u0113jat m\u0101jokli Zviedrij\u0101.<\/li><li><strong><a href=\"https:\/\/scandinavia.life\/lv\/parcelsanas-uz-zviedriju-galvenais-celvedis-iesacejiem\/\">J\u016bs esat emigrants, kas dz\u012bvo Zviedrij\u0101<\/a>.<\/strong><\/li><\/ol>\n\n<h2 class=\"wp-block-heading\">K\u0101p\u0113c man ir nepiecie\u0161ama m\u0101jok\u013ca apdro\u0161in\u0101\u0161ana Zviedrij\u0101?<\/h2>\n\n<p class=\"wp-block-paragraph\">Ja jums pieder m\u0101joklis Zviedrij\u0101, j\u016bs, iesp\u0113jams, aizdom\u0101jaties, k\u0101p\u0113c jums ir nepiecie\u0161ama m\u0101jok\u013ca apdro\u0161in\u0101\u0161ana. M\u0101jok\u013ca apdro\u0161in\u0101\u0161ana Zviedrij\u0101 nav oblig\u0101ta, ta\u010du t\u0101 ir \u013coti ieteicama.<\/p>\n\n<p class=\"wp-block-paragraph\">Iemesls tam ir t\u0101ds, ka liel\u0101k\u0101 da\u013ca cilv\u0113ku nevar at\u013cauties maks\u0101t par m\u0101jas remontu no savas kabatas. Ja j\u016bsu m\u0101jokl\u012b notiktu negad\u012bjums vai izceltos ugunsgr\u0113ks, jums b\u016btu j\u0101sedz visas ar m\u0101jok\u013ca remontu saist\u012bt\u0101s izmaksas.<\/p>\n\n<p class=\"wp-block-paragraph\">Tas var izmaks\u0101t t\u016bksto\u0161iem dol\u0101ru vai vair\u0101k, t\u0101p\u0113c m\u0101jok\u013ca apdro\u0161in\u0101\u0161ana ir tik svar\u012bga. M\u0101jok\u013ca apdro\u0161in\u0101\u0161ana sedz m\u0101jok\u013ca remonta izmaksas, ja esat cietis negad\u012bjum\u0101 vai j\u016bsu m\u0101jokl\u012b izc\u0113lies ugunsgr\u0113ks.<\/p>\n\n<h2 class=\"wp-block-heading\">Ko sedz m\u0101jok\u013ca apdro\u0161in\u0101\u0161ana Zviedrij\u0101?<\/h2>\n\n<p class=\"wp-block-paragraph\">M\u0101jok\u013ca apdro\u0161in\u0101\u0161ana Zviedrij\u0101 parasti sedz:<\/p>\n\n<ul class=\"has-base-2-background-color has-background wp-block-list\"><li>Pati \u0113ka<\/li><li>M\u0101jok\u013ca saturs, tostarp m\u0113beles, sadz\u012bves tehnika un ap\u0123\u0113rbs.<\/li><li>Atbild\u012bba gad\u012bjum\u0101, ja j\u016bsu \u012bpa\u0161um\u0101 k\u0101ds g\u016bst ievainojumus vai ja j\u016bsu \u012bpa\u0161ums saboj\u0101 k\u0101da cita \u012bpa\u0161umu.<\/li><\/ul>\n\n<p class=\"wp-block-paragraph\">Ta\u010du m\u0101jok\u013ca apdro\u0161in\u0101\u0161anas polises var at\u0161\u0137irties, t\u0101p\u0113c ir svar\u012bgi izlas\u012bt polises s\u012bko druk\u0101to tekstu, lai prec\u012bzi zin\u0101tu, kas ir un kas nav apdro\u0161in\u0101ts. Piem\u0113rs: Ja jums ir m\u0101jas bizness, j\u016bsu m\u0101jas apdro\u0161in\u0101\u0161anas polise var nesegt ar uz\u0146\u0113m\u0113jdarb\u012bbu saist\u012btas darb\u012bbas.<\/p>\n\n<p class=\"wp-block-paragraph\">Ja jums ir v\u0113rt\u012bgi priek\u0161meti, piem\u0113ram, rotaslietas vai m\u0101kslas darbi, jums var b\u016bt nepiecie\u0161ams ieg\u0101d\u0101ties papildu apdro\u0161in\u0101\u0161anu, lai tos apdro\u0161in\u0101tu nozaud\u0113\u0161anas, z\u0101dz\u012bbas vai boj\u0101jumu gad\u012bjum\u0101.<\/p>\n\n<p class=\"wp-block-paragraph\">Turkl\u0101t m\u0101jok\u013ca apdro\u0161in\u0101\u0161anas polis\u0113s parasti ir noteikta pa\u0161risks, kas ir summa, kas jums b\u016bs j\u0101samaks\u0101 no savas kabatas, pirms apdro\u0161in\u0101\u0161anas polise st\u0101jas sp\u0113k\u0101. T\u0101p\u0113c ir svar\u012bgi, lai jums b\u016btu pietiekami daudz uzkr\u0101jumu, lai segtu pa\u0161risku segto zaud\u0113jumu gad\u012bjum\u0101.<\/p>\n\n<p class=\"wp-block-paragraph\">Ja neesat p\u0101rliecin\u0101ts par to, kas ir iek\u013cauts j\u016bsu m\u0101jok\u013ca apdro\u0161in\u0101\u0161anas polis\u0113, sazinieties ar apdro\u0161in\u0101\u0161anas sabiedr\u012bbu un l\u016bdziet sa\u0146emt polises kopiju vai sazinieties ar apdro\u0161in\u0101\u0161anas a\u0123entu.<\/p>\n\n<h2 class=\"wp-block-heading\">Kad man vajadz\u0113tu apdro\u0161in\u0101t m\u0101jokli Zviedrij\u0101?<\/h2>\n\n<p class=\"wp-block-paragraph\">M\u0101jok\u013ca apdro\u0161in\u0101\u0161ana ir j\u0101veic, tikl\u012bdz ieg\u0101d\u0101jaties m\u0101ju vai dz\u012bvokli. Ja \u012br\u0113jat dz\u012bvokli, par \u0113kas dro\u0161\u012bbu ir atbild\u012bgs iz\u012br\u0113t\u0101js, bet jums pa\u0161am b\u016bs j\u0101nodro\u0161ina savas person\u012bg\u0101s mantas.<\/p>\n\n<p class=\"wp-block-paragraph\">T\u0101 k\u0101 m\u0101jok\u013ca apdro\u0161in\u0101\u0161anas izmaksas bie\u017ei vien ir iek\u013cautas ikm\u0113ne\u0161a hipotek\u0101r\u0101 kred\u012bta maks\u0101jumos, ir svar\u012bgi, lai apdro\u0161in\u0101\u0161ana b\u016btu nodro\u0161in\u0101ta jau no pa\u0161a s\u0101kuma. Ta\u010du, ja m\u0101jokli nep\u0113rkat, m\u0101jok\u013ca apdro\u0161in\u0101\u0161anu varat sa\u0146emt jebkur\u0101 laik\u0101, ja vien jums ir nepiecie\u0161amie dokumenti.<\/p>\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.bankbazaar.com\/home-insurance\/guide\/why-is-house-insurance-important.html\">Nav ieteicams<\/a> apdro\u0161in\u0101t m\u0101jokli bez apdro\u0161in\u0101\u0161anas, jo t\u0101d\u0113j\u0101di esat neaizsarg\u0101ts pret da\u017e\u0101diem riskiem, tostarp ugunsgr\u0113ku, z\u0101dz\u012bbu un pl\u016bdiem. Ar to neviens nev\u0113las nodarboties.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>K\u0101 \u0101rzemnieks j\u016bs, iesp\u0113jams, neesat paz\u012bstams ar Zviedrijas m\u0101jok\u013ca apdro\u0161in\u0101\u0161anas sist\u0113mu. \u0160aj\u0101 bloga ierakst\u0101 m\u0113s izskaidrosim m\u0101jok\u013ca apdro\u0161in\u0101\u0161anas pamatus Zviedrij\u0101. Zviedrij\u0101 ir divu veidu m\u0101jok\u013ca apdro\u0161in\u0101\u0161ana: \u0113ku apdro\u0161in\u0101\u0161ana un \u012bpa\u0161uma apdro\u0161in\u0101\u0161ana. \u0112kas apdro\u0161in\u0101\u0161ana attiecas uz pa\u0161u \u0113ku, bet \u012bpa\u0161uma apdro\u0161in\u0101\u0161ana &#8211; uz j\u016bsu mant\u0101m. M\u0101jok\u013ca apdro\u0161in\u0101\u0161ana Zviedrij\u0101 nav oblig\u0101ta, ta\u010du ir ieteicama. Ja jums ir<\/p>\n","protected":false},"author":1,"featured_media":60800,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1550,1568],"tags":[31174,3012,23966],"class_list":["post-60834","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dzivo","category-zviedrija","tag-apdrosinasanas-alternativas","tag-ire","tag-majas-apdrosinasana-lv"],"_links":{"self":[{"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/posts\/60834","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/comments?post=60834"}],"version-history":[{"count":1,"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/posts\/60834\/revisions"}],"predecessor-version":[{"id":153902,"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/posts\/60834\/revisions\/153902"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/media\/60800"}],"wp:attachment":[{"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/media?parent=60834"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/categories?post=60834"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/tags?post=60834"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}