{"id":3107,"date":"2026-10-26T15:19:43","date_gmt":"2026-10-26T14:19:43","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=3107"},"modified":"2026-10-26T15:21:32","modified_gmt":"2026-10-26T14:21:32","slug":"pojisteni-bytu-pri-pronajmu","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/pojisteni-bytu-pri-pronajmu\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed bytu p\u0159i pron\u00e1jmu: Jak spr\u00e1vn\u011b nastavit ochranu pro majitele i n\u00e1jemce?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Pron\u00e1jem bytu p\u0159in\u00e1\u0161\u00ed rizika majitel\u016fm i n\u00e1jemn\u00edk\u016fm. A\u0165 u\u017e nemovitost sami vlastn\u00edte, nebo v n\u00ed \u017eijete v n\u00e1jmu, nejasn\u00e9 rozd\u011blen\u00ed odpov\u011bdnosti m\u016f\u017ee vyj\u00edt velmi draho. Zjist\u011bte, jak spr\u00e1vn\u011b nastavit poji\u0161t\u011bn\u00ed majetku a na jak\u00e1 \u00faskal\u00ed myslet, abyste p\u0159ede\u0161li drah\u00fdm spor\u016fm p\u0159i \u0161kod\u00e1ch.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">Obsah<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-poji-t-n-nemovitosti-a-dom-cnosti-v-em-spo-v-rozd-l\">Poji\u0161t\u011bn\u00ed nemovitosti a dom\u00e1cnosti: V \u010dem spo\u010d\u00edv\u00e1 rozd\u00edl?<\/a><ul class=\"ht_toc_child_list\"><\/ul><\/li><li class=\"\"><a href=\"#htoc-poji-t-n-bytu-pro-pronaj-matele-co-mus-hl-dat-majitel\">Poji\u0161t\u011bn\u00ed bytu pro pronaj\u00edmatele: Co mus\u00ed hl\u00eddat majitel?<\/a><\/li><li class=\"\"><a href=\"#htoc-poji-t-n-odpov-dnosti-n-jemce-kdo-plat-poji-t-n-bytu-v-n-jmu\">Poji\u0161t\u011bn\u00ed odpov\u011bdnosti n\u00e1jemce: Kdo plat\u00ed poji\u0161t\u011bn\u00ed bytu v n\u00e1jmu?<\/a><ul class=\"ht_toc_child_list\"><\/ul><\/li><li class=\"\"><a href=\"#htoc-nej-ast-j-kody-v-n-jemn-m-bydlen-a-jak-jim-p-edej-t\">Nej\u010dast\u011bj\u0161\u00ed \u0161kody v n\u00e1jemn\u00edm bydlen\u00ed a jak jim p\u0159edej\u00edt<\/a><\/li><li class=\"\"><a href=\"#htoc-jak-si-spr-vn-nastavit-poji-t-n\">Jak si spr\u00e1vn\u011b nastavit poji\u0161t\u011bn\u00ed?<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<div style=\"height:22px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-poji-t-n-nemovitosti-a-dom-cnosti-v-em-spo-v-rozd-l\" class=\"wp-block-heading\">Poji\u0161t\u011bn\u00ed nemovitosti a dom\u00e1cnosti: V \u010dem spo\u010d\u00edv\u00e1 rozd\u00edl?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i sjedn\u00e1v\u00e1n\u00ed pojistek nar\u00e1\u017e\u00ed lid\u00e9 na \u010dastou ot\u00e1zku, jak\u00fd je p\u0159esn\u011b <strong>poji\u0161t\u011bn\u00ed nemovitosti a dom\u00e1cnosti rozd\u00edl<\/strong>. Zjednodu\u0161en\u00e1 pou\u010dka \u0159\u00edk\u00e1, \u017ee kdybychom byt oto\u010dili st\u0159echou dol\u016f, v\u0161e, co vypadne, pat\u0159\u00ed do <strong>poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/strong>. To, co z\u016fstane pevn\u011b p\u0159ipevn\u011bn\u00e9 ke zdem, naopak kryje <strong>poji\u0161t\u011bn\u00ed nemovitosti.<\/strong><\/p>\n\n\n\n<h3 id=\"htoc-poji-t-n-nemovitosti-chr-n-st-ny-a-pevn-prvky\" class=\"wp-block-heading\">Poji\u0161t\u011bn\u00ed nemovitosti chr\u00e1n\u00ed st\u011bny a pevn\u00e9 prvky<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Majitel bytu si sjedn\u00e1v\u00e1 poji\u0161t\u011bn\u00ed nemovitosti, kter\u00e9 chr\u00e1n\u00ed stavebn\u00ed konstrukce, st\u011bny, podlahy, oknov\u00e9 v\u00fdpln\u011b i vestav\u011bn\u00e9 instalace. Pokud v objektu praskne stoupa\u010dka nebo dojde k po\u0161kozen\u00ed nosn\u00fdch zd\u00ed po\u017e\u00e1rem, \u0161kodu hrad\u00ed poji\u0161\u0165ovna p\u0159\u00edmo vlastn\u00edkovi.<\/p>\n\n\n\n<h3 id=\"htoc-poji-t-n-dom-cnosti-v-n-jmu-kryje-va-e-v-ci\" class=\"wp-block-heading\">Poji\u0161t\u011bn\u00ed dom\u00e1cnosti v n\u00e1jmu kryje va\u0161e v\u011bci<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Naopak <strong>poji\u0161t\u011bn\u00ed dom\u00e1cnosti v n\u00e1jmu<\/strong> si \u0159e\u0161\u00ed samotn\u00fd n\u00e1jemce pro sv\u00e9 vnit\u0159n\u00ed vybaven\u00ed. T\u00fdk\u00e1 se to voln\u011b stoj\u00edc\u00edho n\u00e1bytku, elektroniky, oble\u010den\u00ed i cennost\u00ed. Majitel bytu nem\u00e1 povinnost pojistit soukrom\u00e9 v\u011bci n\u00e1jemn\u00edka, tak\u017ee <strong>bez vlastn\u00ed pojistky <\/strong>nedostanete v p\u0159\u00edpad\u011b vytopen\u00ed \u010di kr\u00e1de\u017ee <strong>\u017e\u00e1dn\u00e9 od\u0161kodn\u011bn\u00ed.<\/strong><\/p>\n\n\n\n<div style=\"height:19px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-poji-t-n-bytu-pro-pronaj-matele-co-mus-hl-dat-majitel\" class=\"wp-block-heading\">Poji\u0161t\u011bn\u00ed bytu pro pronaj\u00edmatele: Co mus\u00ed hl\u00eddat majitel?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud vlastn\u00edte nemovitost a nab\u00edz\u00edte ji k pron\u00e1jmu, samotn\u00e9 poji\u0161t\u011bn\u00ed stavebn\u00edch prvk\u016f nemus\u00ed sta\u010dit. Vhodn\u011b nastaven\u00e9 <strong>poji\u0161t\u011bn\u00ed bytu pro pronaj\u00edmatele<\/strong> by m\u011blo zahrnovat i rizika spojen\u00e1 s u\u017e\u00edv\u00e1n\u00edm ciz\u00edmi osobami. Vhodn\u00e9 je nap\u0159\u00edklad p\u0159ipoji\u0161t\u011bn\u00ed ztr\u00e1ty n\u00e1jemn\u00e9ho nebo kryt\u00ed pro \u0161kody zp\u016fsoben\u00e9 n\u00e1jemcem na st\u00e1l\u00e9m vybaven\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ot\u00e1zka, <strong>kdo plat\u00ed poji\u0161t\u011bn\u00ed bytu v n\u00e1jmu<\/strong>, m\u00e1 jasnou odpov\u011b\u010f podle typu poji\u0161t\u011bn\u00e9ho majetku. Majitel hrad\u00ed ochranu sv\u00e9 budovy, zat\u00edmco n\u00e1jemn\u00edk plat\u00ed za ochranu sv\u00fdch v\u011bc\u00ed. Vz\u00e1jemn\u00e9 povinnosti je nejlep\u0161\u00ed p\u0159esn\u011b definovat p\u0159\u00edmo v n\u00e1jemn\u00ed smlouv\u011b.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"552\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/10\/GRAFY1-edited-1024x552.png\" alt=\"\" class=\"wp-image-3110\" style=\"aspect-ratio:1.8550553356718948;width:597px;height:auto\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/10\/GRAFY1-edited-1024x552.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/10\/GRAFY1-edited-300x162.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/10\/GRAFY1-edited-768x414.png 768w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/10\/GRAFY1-edited-1536x828.png 1536w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/10\/GRAFY1-edited-2048x1103.png 2048w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/10\/GRAFY1-edited-1080x582.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<div style=\"height:36px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-poji-t-n-odpov-dnosti-n-jemce-kdo-plat-poji-t-n-bytu-v-n-jmu\" class=\"wp-block-heading\">Poji\u0161t\u011bn\u00ed odpov\u011bdnosti n\u00e1jemce: Kdo plat\u00ed poji\u0161t\u011bn\u00ed bytu v n\u00e1jmu?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Naprost\u00fdm z\u00e1kladem klidn\u00e9ho bydlen\u00ed je <strong>poji\u0161t\u011bn\u00ed odpov\u011bdnosti n\u00e1jemce<\/strong>, kter\u00e9mu se lidov\u011b \u0159\u00edk\u00e1 pojistka na blbost. Pokud zapomenete zastavit kohoutek a vytop\u00edte sousedy pod sebou, vznikl\u00e1 \u0161koda m\u016f\u017ee dos\u00e1hnout des\u00edtek a\u017e stovky tis\u00edc korun. Bez poji\u0161t\u011bn\u00ed odpov\u011bdnosti budete muset celou \u010d\u00e1stku zaplatit z vlastn\u00ed kapsy.<\/p>\n\n\n\n<h3 id=\"htoc-kauce-nesta-kl-ov-je-odpov-dnost-z-ob-ansk-ho-ivota\" class=\"wp-block-heading\">Kauce nesta\u010d\u00ed, kl\u00ed\u010dov\u00e1 je odpov\u011bdnost z ob\u010dansk\u00e9ho \u017eivota<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mnoho lid\u00ed se myln\u011b domn\u00edv\u00e1, \u017ee p\u0159\u00edpadn\u00e1 rizika pokryje vratn\u00e1 kauce ulo\u017een\u00e1 u majitele. Finan\u010dn\u00ed z\u00e1loha ve v\u00fd\u0161i jednoho \u010di dvou n\u00e1jm\u016f ale p\u0159i v\u011bt\u0161\u00ed hav\u00e1rii nesta\u010d\u00ed. Pokud si chcete spo\u010d\u00edtat ide\u00e1ln\u00ed pojistn\u00e9 kryt\u00ed, vyu\u017eijte online <a href=\"https:\/\/www.fingo.cz\/pojisteni-majetku\">poji\u0161t\u011bn\u00ed majetku<\/a>, kde najdete p\u0159esn\u00e9 kalkulace pro va\u0161i dom\u00e1cnost.<\/p>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-nej-ast-j-kody-v-n-jemn-m-bydlen-a-jak-jim-p-edej-t\" class=\"wp-block-heading\">Nej\u010dast\u011bj\u0161\u00ed \u0161kody v n\u00e1jemn\u00edm bydlen\u00ed a jak jim p\u0159edej\u00edt<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Podle dat <a href=\"https:\/\/www.cap.cz\/statistiky-prognozy-analyzy\/skody-z-pojisteni-majetku\" data-type=\"link\" data-id=\"https:\/\/www.cap.cz\/statistiky-prognozy-analyzy\/skody-z-pojisteni-majetku\">\u010cesk\u00e9 asociace poji\u0161\u0165oven<\/a> vznik\u00e1 nejv\u00edce pojistn\u00fdch ud\u00e1lost\u00ed v n\u00e1jemn\u00edch bytech <strong>kv\u016fli vod\u011b<\/strong>. Poji\u0161\u0165ovny ka\u017edoro\u010dn\u011b \u0159e\u0161\u00ed tis\u00edce hav\u00e1ri\u00ed vodovodn\u00edch rozvod\u016f nebo vytekl\u00fdch pra\u010dek. Pod\u00edvejte se na rozlo\u017een\u00ed nej\u010dast\u011bj\u0161\u00edch rizik v n\u00e1sleduj\u00edc\u00edm p\u0159ehledu.<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/10\/GRAFY3-1024x768.png\" alt=\"\" class=\"wp-image-3111\" style=\"width:528px;height:auto\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/10\/GRAFY3-1024x768.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/10\/GRAFY3-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/10\/GRAFY3-768x576.png 768w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/10\/GRAFY3-1536x1152.png 1536w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/10\/GRAFY3-2048x1536.png 2048w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/10\/GRAFY3-1080x810.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Lid\u00e9 v n\u00e1jmu \u010dasto chybuj\u00ed v tom, \u017ee <strong>spol\u00e9haj\u00ed pouze na pojistku majitele bytu.<\/strong> Dal\u0161\u00ed chybou b\u00fdv\u00e1 stanoven\u00ed <strong>p\u0159\u00edli\u0161 n\u00edzk\u00fdch limit\u016f<\/strong> pln\u011bn\u00ed u poji\u0161t\u011bn\u00ed odpov\u011bdnosti.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background wp-block-paragraph\">\u26a0\ufe0f <strong>Pozor na v\u00fdluky:<\/strong> P\u0159i sjedn\u00e1v\u00e1n\u00ed pojistky si d\u016fkladn\u011b prov\u011b\u0159te <strong>v\u00fdluky z poji\u0161t\u011bn\u00ed.<\/strong> B\u011b\u017en\u00e1 odpov\u011bdnost v ob\u010dansk\u00e9m \u017eivot\u011b nemus\u00ed automaticky kr\u00fdt \u0161kody na v\u011bcech u\u017e\u00edvan\u00fdch, tedy na pronajat\u00e9m byt\u011b a jeho vybaven\u00ed. V\u017edy po\u017eadujte <strong>p\u0159ipoji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kody na pronajat\u00e9 nemovitosti.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Spr\u00e1vn\u011b nastaven\u00e1 smlouva v\u00e1s chr\u00e1n\u00ed p\u0159ed ne\u010dekan\u00fdmi v\u00fddaji a zabezpe\u010d\u00ed bezstarostn\u00e9 u\u017e\u00edv\u00e1n\u00ed domova. Porovnat aktu\u00e1ln\u00ed nab\u00eddky na trhu m\u016f\u017eete p\u0159\u00edmo p\u0159es na\u0161i kalkula\u010dku.<\/p>\n\n\n\n<div style=\"height:22px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<iframe id=\"iframeBannerV1_property\" src=\"https:\/\/www.fingo.cz\/banner\/general?type=property\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n\n\n\n<div style=\"height:17px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-jak-si-spr-vn-nastavit-poji-t-n\" class=\"wp-block-heading\">Jak si spr\u00e1vn\u011b nastavit poji\u0161t\u011bn\u00ed?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Spr\u00e1vn\u00e9 poji\u0161t\u011bn\u00ed pronajat\u00e9ho bytu vy\u017eaduje souhru obou stran n\u00e1jemn\u00edho vztahu. Majitel chr\u00e1n\u00ed samotnou stavbu a sv\u00e9 pevn\u00e9 vybaven\u00ed, zat\u00edmco n\u00e1jemn\u00edk poji\u0161\u0165uje sv\u00e9 osobn\u00ed v\u011bci a vlastn\u00ed odpov\u011bdnost za \u0161kody. Jedin\u011b tak nevzniknou v pojistn\u00e9m kryt\u00ed mezery.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background wp-block-paragraph\">\ud83d\udca1 <strong>N\u00e1\u0161 tip:<\/strong> Chcete m\u00edt jistotu, \u017ee va\u0161e pojistka nem\u00e1 hluch\u00e1 m\u00edsta ani zbyte\u010dn\u00e9 duplicity? <a href=\"https:\/\/www.fingo.cz\/kontakty\" data-type=\"link\" data-id=\"https:\/\/www.fingo.cz\/kontakty\">Specialist\u00e9 FinGO<\/a> pro v\u00e1s bezplatn\u011b porovnaj\u00ed nab\u00eddky poji\u0161\u0165oven na trhu a pomohou nastavit optim\u00e1ln\u00ed poji\u0161t\u011bn\u00ed majetku i odpov\u011bdnosti <strong>na m\u00edru.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159edejd\u011bte zbyte\u010dn\u00fdm finan\u010dn\u00edm ztr\u00e1t\u00e1m i sousedsk\u00fdm spor\u016fm je\u0161t\u011b dnes. Na\u0161i poradci v\u00e1m pomohou proj\u00edt pojistn\u00e9 podm\u00ednky a sjednat spr\u00e1vnou ochranu bez zbyte\u010dn\u00fdch poplatk\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pron\u00e1jem bytu p\u0159in\u00e1\u0161\u00ed rizika majitel\u016fm i n\u00e1jemn\u00edk\u016fm. A\u0165 u\u017e nemovitost sami vlastn\u00edte, nebo v n\u00ed \u017eijete v n\u00e1jmu, nejasn\u00e9 rozd\u011blen\u00ed odpov\u011bdnosti m\u016f\u017ee vyj\u00edt velmi draho. Zjist\u011bte, jak spr\u00e1vn\u011b nastavit poji\u0161t\u011bn\u00ed majetku a na jak\u00e1 \u00faskal\u00ed myslet, abyste p\u0159ede\u0161li drah\u00fdm spor\u016fm p\u0159i \u0161kod\u00e1ch. Poji\u0161t\u011bn\u00ed nemovitosti a dom\u00e1cnosti: V \u010dem spo\u010d\u00edv\u00e1 rozd\u00edl? P\u0159i sjedn\u00e1v\u00e1n\u00ed pojistek nar\u00e1\u017e\u00ed lid\u00e9 na \u010dastou ot\u00e1zku, jak\u00fd je p\u0159esn\u011b poji\u0161t\u011bn\u00ed nemovitosti a dom\u00e1cnosti rozd\u00edl. Zjednodu\u0161en\u00e1 pou\u010dka \u0159\u00edk\u00e1, \u017ee kdybychom byt oto\u010dili st\u0159echou dol\u016f, v\u0161e, co vypadne, pat\u0159\u00ed do poji\u0161t\u011bn\u00ed dom\u00e1cnosti. To, co z\u016fstane pevn\u011b p\u0159ipevn\u011bn\u00e9 ke zdem, naopak kryje poji\u0161t\u011bn\u00ed nemovitosti. Poji\u0161t\u011bn\u00ed nemovitosti chr\u00e1n\u00ed st\u011bny a pevn\u00e9 prvky Majitel bytu si sjedn\u00e1v\u00e1 poji\u0161t\u011bn\u00ed nemovitosti, kter\u00e9 chr\u00e1n\u00ed stavebn\u00ed konstrukce, st\u011bny, podlahy, oknov\u00e9 v\u00fdpln\u011b i vestav\u011bn\u00e9 instalace. Pokud v objektu praskne stoupa\u010dka nebo dojde k po\u0161kozen\u00ed nosn\u00fdch zd\u00ed po\u017e\u00e1rem, \u0161kodu hrad\u00ed poji\u0161\u0165ovna p\u0159\u00edmo vlastn\u00edkovi. Poji\u0161t\u011bn\u00ed dom\u00e1cnosti v n\u00e1jmu kryje va\u0161e v\u011bci Naopak poji\u0161t\u011bn\u00ed dom\u00e1cnosti v n\u00e1jmu si \u0159e\u0161\u00ed samotn\u00fd n\u00e1jemce pro sv\u00e9 vnit\u0159n\u00ed vybaven\u00ed. T\u00fdk\u00e1 se to voln\u011b stoj\u00edc\u00edho n\u00e1bytku, elektroniky, oble\u010den\u00ed i cennost\u00ed. Majitel bytu nem\u00e1 povinnost pojistit soukrom\u00e9 v\u011bci n\u00e1jemn\u00edka, tak\u017ee bez vlastn\u00ed pojistky nedostanete v p\u0159\u00edpad\u011b vytopen\u00ed \u010di kr\u00e1de\u017ee \u017e\u00e1dn\u00e9 od\u0161kodn\u011bn\u00ed. Poji\u0161t\u011bn\u00ed bytu pro pronaj\u00edmatele: Co mus\u00ed hl\u00eddat majitel? Pokud vlastn\u00edte nemovitost a nab\u00edz\u00edte ji k pron\u00e1jmu, [&hellip;]<\/p>\n","protected":false},"author":27,"featured_media":3124,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[52,140,58,53],"class_list":["post-3107","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezivotni-pojisteni","tag-nezivotni-pojisteni","tag-pojisteni-domacnosti","tag-pojisteni-majetku","tag-pojisteni-nemovitosti"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v28.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Jak spr\u00e1vn\u011b nastavit poji\u0161t\u011bn\u00ed pro majitele i n\u00e1jemce? - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"A\u0165 u\u017e nemovitost sami vlastn\u00edte, nebo v n\u00ed \u017eijete v n\u00e1jmu, nejasn\u00e9 rozd\u011blen\u00ed odpov\u011bdnosti m\u016f\u017ee vyj\u00edt velmi draho.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.cz\/blog\/pojisteni-bytu-pri-pronajmu\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Poji\u0161t\u011bn\u00ed bytu p\u0159i pron\u00e1jmu: Jak spr\u00e1vn\u011b nastavit ochranu pro majitele i n\u00e1jemce?\" \/>\n<meta property=\"og:description\" content=\"A\u0165 u\u017e nemovitost sami vlastn\u00edte, nebo v n\u00ed \u017eijete v n\u00e1jmu, nejasn\u00e9 rozd\u011blen\u00ed odpov\u011bdnosti m\u016f\u017ee vyj\u00edt velmi draho.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.cz\/blog\/pojisteni-bytu-pri-pronajmu\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog FinGO.cz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/fingo.cz\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-10-26T14:19:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-26T14:21:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/10\/Fotky-pro-blog-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"740\" \/>\n\t<meta property=\"og:image:height\" content=\"494\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Karol\u00edna Nov\u00e1kov\u00e1\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@fingocz\" \/>\n<meta name=\"twitter:site\" content=\"@fingocz\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Karol\u00edna Nov\u00e1kov\u00e1\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/pojisteni-bytu-pri-pronajmu\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/pojisteni-bytu-pri-pronajmu\\\/\"},\"author\":{\"name\":\"Karol\u00edna Nov\u00e1kov\u00e1\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#\\\/schema\\\/person\\\/f50a8641c3a328040ea1b2d88859791f\"},\"headline\":\"Poji\u0161t\u011bn\u00ed bytu p\u0159i pron\u00e1jmu: Jak spr\u00e1vn\u011b nastavit ochranu pro majitele i n\u00e1jemce?\",\"datePublished\":\"2026-10-26T14:19:43+00:00\",\"dateModified\":\"2026-10-26T14:21:32+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/pojisteni-bytu-pri-pronajmu\\\/\"},\"wordCount\":1003,\"publisher\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/pojisteni-bytu-pri-pronajmu\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/Fotky-pro-blog-1.png\",\"keywords\":[\"ne\u017eivotn\u00ed poji\u0161t\u011bn\u00ed\",\"poji\u0161t\u011bn\u00ed dom\u00e1cnosti\",\"poji\u0161t\u011bn\u00ed majetku\",\"poji\u0161t\u011bn\u00ed nemovitosti\"],\"articleSection\":[\"Ne\u017eivotn\u00ed poji\u0161t\u011bn\u00ed\"],\"inLanguage\":\"cs\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/pojisteni-bytu-pri-pronajmu\\\/\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/pojisteni-bytu-pri-pronajmu\\\/\",\"name\":\"Jak spr\u00e1vn\u011b nastavit poji\u0161t\u011bn\u00ed pro majitele i n\u00e1jemce? 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