{"id":3693,"date":"2025-08-08T10:01:45","date_gmt":"2025-08-08T07:01:45","guid":{"rendered":"https:\/\/123credit.ro\/blog\/asigurarea-facultativa-a-locuintei\/"},"modified":"2025-08-08T12:11:08","modified_gmt":"2025-08-08T09:11:08","slug":"asigurarea-facultativa-a-locuintei","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/asigurarea-facultativa-a-locuintei\/","title":{"rendered":"Asigurarea facultativ\u0103 a locuin\u021bei este op\u021bional\u0103, dar necesar\u0103 \u2013 uite de ce"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 6<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><h1>Asigurarea facultativ\u0103 a locuin\u021bei este op\u021bional\u0103, dar necesar\u0103 \u2013 uite de ce<\/h1>\n<p>Asigurarea facultativ\u0103 a locuin\u021bei este una dintre cele mai importante forme de protec\u021bie financiar\u0103 pentru proprietari, chiar dac\u0103 nu este impus\u0103 prin lege. De\u0219i \u00een Rom\u00e2nia exist\u0103 o poli\u021b\u0103 obligatorie (PAD) pentru locuin\u021be, aceasta acoper\u0103 doar trei riscuri majore \u0219i nu ofer\u0103 protec\u021bie complet\u0103.<\/p>\n<p>\u00cen realitate, cele mai frecvente daune (precum incendiile, inunda\u021biile de la vecini sau furturile) sunt acoperite doar printr-o asigurare facultativ\u0103.<\/p>\n<p>Tot mai multe locuin\u021be sunt cump\u0103rate cu ajutorul unui credit ipotecar, iar aceast\u0103 asigurare este necesar\u0103 c\u00e2nd vrei s\u0103 faci o achizi\u021bie de acest gen.<\/p>\n<h2>Ce este asigurarea facultativ\u0103 a locuin\u021bei<\/h2>\n<p>Asigurarea facultativ\u0103 a locuin\u021bei este o poli\u021b\u0103 separat\u0103 fa\u021b\u0103 de asigurarea obligatorie PAD \u0219i ofer\u0103 o acoperire mult mai extins\u0103. Dac\u0103 PAD-ul acoper\u0103 doar daunele provocate de cutremur, inunda\u021bii naturale \u0219i alunec\u0103ri de teren, poli\u021ba facultativ\u0103 include riscuri reale \u0219i mult mai frecvente.<\/p>\n<p>Acoperirea standard poate include:<\/p>\n<ul>\n<li>incendii, explozii \u0219i tr\u0103snete;<\/li>\n<li>daune provocate de ap\u0103 (inunda\u021bii din instala\u021bii, vecini);<\/li>\n<li>furturi, vandalism sau distrugere inten\u021bionat\u0103;<\/li>\n<li>avarii la instala\u021biile electrice \u0219i sanitare;<\/li>\n<li>daune cauzate vecinilor (r\u0103spundere civil\u0103);<\/li>\n<li>bunurile din interiorul locuin\u021bei (mobilier, electrocasnice etc.).<\/li>\n<\/ul>\n<p>Aceast\u0103 asigurare este flexibil\u0103: proprietarul poate alege ce riscuri vrea s\u0103 includ\u0103 \u0219i \u00een ce limite valorice. De asemenea, suma asigurat\u0103 poate fi ajustat\u0103 \u00een func\u021bie de valoarea real\u0103 a imobilului, loca\u021bie sau materialele de construc\u021bie.<\/p>\n<h2>Asigurarea facultativ\u0103 a locuin\u021bei vs. PAD: care sunt diferen\u021bele?<\/h2>\n<p>Pentru a \u00een\u021belege mai bine asigurarea facultativ\u0103 a locuin\u021bei, este important s\u0103 o compar\u0103m cu poli\u021ba PAD, care este obligatorie \u00een Rom\u00e2nia.<\/p>\n<p>Cele dou\u0103 tipuri de asigur\u0103ri func\u021bioneaz\u0103 \u00eempreun\u0103, dar acoper\u0103 riscuri diferite \u0219i au roluri distincte.<\/p>\n<h3>1. Obligatorie vs. op\u021bional\u0103<\/h3>\n<p>PAD (Poli\u021ba \u00eempotriva Dezastrelor Naturale) este impus\u0103 prin lege pentru toate locuin\u021bele din Rom\u00e2nia.<\/p>\n<p>\u00cen schimb, asigurarea facultativ\u0103 este op\u021bional\u0103 din punct de vedere legal, dar adesea solicitat\u0103 de b\u0103nci \u00een cazul unui credit.<\/p>\n<h3>2. Riscuri acoperite<\/h3>\n<ul>\n<li>PAD acoper\u0103 doar 3 riscuri: cutremur, inunda\u021bii naturale \u0219i alunec\u0103ri de teren.<\/li>\n<li>Asigurarea facultativ\u0103 acoper\u0103 incendii, explozii, furturi, daune provocate de ap\u0103, vandalism, r\u0103spundere civil\u0103, avarii la instala\u021bii, \u0219i chiar bunuri din interiorul casei.<\/li>\n<\/ul>\n<h3>3. Suma asigurat\u0103<\/h3>\n<ul>\n<li>PAD acoper\u0103 o sum\u0103 fix\u0103: 20.000 euro pentru locuin\u021bele din materiale durabile \u0219i 10.000 euro pentru cele din materiale mai slabe.<\/li>\n<li>Asigurarea facultativ\u0103 permite stabilirea sumei asigurate \u00een func\u021bie de valoarea real\u0103 a locuin\u021bei.<\/li>\n<\/ul>\n<h3>4. Cine o \u00eencheie<\/h3>\n<ul>\n<li>PAD este emis\u0103 de companii partenere ale PAID (Pool-ul de Asigurare \u00cempotriva Dezastrelor Naturale).<\/li>\n<li>Asigurarea facultativ\u0103 poate fi \u00eencheiat\u0103 la orice companie de asigur\u0103ri autorizat\u0103 sau prin b\u0103nci, de obicei al\u0103turi de un credit.<\/li>\n<\/ul>\n<h3>5. Cost<\/h3>\n<ul>\n<li>PAD are un pre\u021b fix (aprox. 10 \u2013 20 euro\/an), indiferent de loca\u021bie.<\/li>\n<li>Asigurarea facultativ\u0103 cost\u0103 mai mult, dar vine cu beneficii semnificativ extinse \u0219i poate fi personalizat\u0103.<\/li>\n<\/ul>\n<h2>Este obligatorie asigurarea facultativ\u0103 a locuin\u021bei?<\/h2>\n<p>Din punct de vedere legal, asigurarea facultativ\u0103 a locuin\u021bei nu este obligatorie \u00een Rom\u00e2nia.<\/p>\n<p>Singura asigurare impus\u0103 prin lege este poli\u021ba PAD (Poli\u021ba de Asigurare \u00eempotriva Dezastrelor Naturale), care acoper\u0103 riscuri limitate: cutremur, inunda\u021bii \u0219i alunec\u0103ri de teren.<\/p>\n<p>Totu\u0219i, \u00een practic\u0103, lucrurile stau diferit.<\/p>\n<p>Dac\u0103 \u00ee\u021bi cumperi o locuin\u021b\u0103 printr-un credit ipotecar, majoritatea b\u0103ncilor solicit\u0103 \u00een mod expres \u00eencheierea unei asigur\u0103ri facultative care s\u0103 acopere valoarea integral\u0103 a propriet\u0103\u021bii. Este o form\u0103 de protec\u021bie \u0219i pentru banc\u0103, care vrea s\u0103 se asigure c\u0103 garan\u021bia creditului este acoperit\u0103 \u00een caz de daune.<\/p>\n<p>Chiar dac\u0103 nu este impus\u0103 prin lege, asigurarea facultativ\u0103 devine obligatorie \u00een multe situa\u021bii, mai ales atunci c\u00e2nd intervine finan\u021barea prin banc\u0103.<\/p>\n<h2>Este necesar\u0103 asigurarea facultativ\u0103 a locuin\u021bei pentru locuin\u021bele noi?<\/h2>\n<p>Da, cu siguran\u021b\u0103. Asigurarea facultativ\u0103 este recomandat\u0103 (\u0219i adesea solicitat\u0103) pentru locuin\u021bele noi, \u00een special cele achizi\u021bionate cu credit ipotecar. De multe ori, chiar \u0219i dezvoltatorii imobiliari solicit\u0103 prezentarea unei poli\u021be de asigurare \u00een momentul pred\u0103rii apartamentului.<\/p>\n<p>Locuin\u021bele noi pot fi afectate de riscuri diverse \u2013 de la incendii cauzate de instala\u021bii defectuoase, p\u00e2n\u0103 la avarii produse de vecini sau furturi \u00een perioada \u00een care blocul nu este complet locuit. F\u0103r\u0103 o asigurare extins\u0103, toate aceste daune r\u0103m\u00e2n \u00een responsabilitatea ta.<\/p>\n<p>\u00cen plus, dac\u0103 apartamentul este mobilat sau echipat complet, o asigurare care acoper\u0103 \u0219i bunurile din interior poate face diferen\u021ba dintre o pierdere major\u0103 \u0219i o recuperare financiar\u0103 rapid\u0103.<\/p>\n<h2>C\u00e2t cost\u0103 asigurarea facultativ\u0103 a locuin\u021bei?<\/h2>\n<p>Costul unei poli\u021be facultative de locuin\u021b\u0103 variaz\u0103 \u00een func\u021bie de caracteristicile propriet\u0103\u021bii \u0219i nivelul de acoperire ales.<\/p>\n<p>De exemplu, \u00een 2025, costurile medii pentru o poli\u021b\u0103 facultativ\u0103 se \u00eencadreaz\u0103 \u00eentre 150 \u0219i 500 lei anual, \u00een func\u021bie de valoarea locuin\u021bei, zona geografic\u0103 \u0219i riscurile incluse.<\/p>\n<p>O alt\u0103 metod\u0103 folosit\u0103 de institu\u021biile financiare precum Banca Transilvania stipuleaz\u0103 un calcul de prim\u0103 de 0,12% din valoarea de pia\u021b\u0103 a imobilului (de exemplu, pentru o locuin\u021b\u0103 de 200.000 lei, prima anual\u0103 ar fi \u00een jur de 240 lei).<\/p>\n<p>\u00cen general, putem spune c\u0103:<\/p>\n<ul>\n<li>primele sunt calculate anual, dar pot fi pl\u0103tite lunar, trimestrial, semestrial sau \u00een avans anual;<\/li>\n<li>poli\u021ba poate fi \u00eencheiat\u0103 online direct prin site-uri de brokeri sau companii de asigur\u0103ri, sau \u00een unit\u0103\u021bile bancare, mai ales la contractarea unui credit ipotecar;<\/li>\n<li>durata standard este de 12 luni, cu posibilitatea re\u00eennoirii automate la expirare.<\/li>\n<\/ul>\n<h2>Concluzie<\/h2>\n<p>Asigurarea facultativ\u0103 e o m\u0103sur\u0103 de protec\u021bie real\u0103 care te ajut\u0103 s\u0103 evi\u021bi pierderi financiare semnificative \u00een caz de incidente neprev\u0103zute.<\/p>\n<p>Fie c\u0103 ai o locuin\u021b\u0103 veche sau tocmai ai cump\u0103rat una prin credit, aceast\u0103 asigurare \u00ee\u021bi ofer\u0103 lini\u0219tea c\u0103 imobilul (\u0219i uneori bunurile din interior) sunt acoperite.<\/p>\n<p>Dac\u0103 urmeaz\u0103 s\u0103 contractezi un credit ipotecar sau ai \u00eentreb\u0103ri legate de documenta\u021bia necesar\u0103, echipa 123Credit te poate ajuta s\u0103 alegi cea mai potrivit\u0103 variant\u0103 pentru tine.<\/p>\n<h2>\u00centreb\u0103ri frecvente<\/h2>\n<h3>1. Este obligatorie asigurarea facultativ\u0103 a locuin\u021bei \u00een Rom\u00e2nia?<\/h3>\n<p>Nu este impus\u0103 prin lege, dar este solicitat\u0103 de majoritatea b\u0103ncilor la contractarea unui credit ipotecar.<\/p>\n<h3>2. Ce acoper\u0103 \u00een plus fa\u021b\u0103 de asigurarea obligatorie PAD?<\/h3>\n<p>Include riscuri precum incendii, furturi, daune provocate de ap\u0103 sau vecini, bunuri din interiorul locuin\u021bei \u0219i r\u0103spundere civil\u0103.<\/p>\n<h3>3. Pot \u00eencheia o asigurare facultativ\u0103 online?<\/h3>\n<p>Da, multe companii de asigur\u0103ri \u0219i brokeri permit \u00eencheierea poli\u021bei online, cu plat\u0103 prin card sau transfer bancar.<\/p>\n<h3>4. Ce sum\u0103 pot asigura?<\/h3>\n<p>Depinde de valoarea real\u0103 a locuin\u021bei \u0219i de ce anume vrei s\u0103 acoperi. Suma poate fi stabilit\u0103 \u00eempreun\u0103 cu asiguratorul sau banca.<\/p>\n<h3>5. Dac\u0103 am o locuin\u021b\u0103 nou\u0103 f\u0103r\u0103 credit, are rost s\u0103 \u00eenchei o astfel de poli\u021b\u0103?<\/h3>\n<p>Da, pentru c\u0103 riscurile precum incendiile sau avariile nu \u021bin cont dac\u0103 ai sau nu credit (iar repara\u021biile pot costa mult mai mult dec\u00e2t o prim\u0103 de asigurare).<\/p>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-sizes-top:1;--awb-border-sizes-bottom:1;--awb-border-sizes-left:1;--awb-border-sizes-right:1;--awb-border-color:var(--awb-color3);--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:20px;--awb-padding-right:20px;--awb-padding-bottom:20px;--awb-padding-left:20px;--awb-flex-wrap:wrap;--awb-box-shadow: 0px 0px ;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-four\" style=\"--awb-margin-bottom:0px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:28px;\"><h4 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:28;line-height:var(--awb-typography1-line-height);\"><span style=\"font-weight: normal;\">Alege din cele<\/span> <span style=\"color: var(--awb-color4);\">150+<\/span><span style=\"font-weight: normal;\"> de oferte de la <\/span><span style=\"color: var(--awb-color4);\">20+<\/span><span style=\"font-weight: normal;\"> institutii financiare partenere:<\/span><\/h4><\/div><div class=\"fusion-image-carousel fusion-image-carousel-fixed fusion-image-carousel-1\"><div class=\"awb-carousel awb-swiper awb-swiper-carousel awb-carousel--carousel awb-swiper-dots-position-bottom\" data-layout=\"carousel\" data-autoplay=\"no\" data-autoplayspeed=\"2500\" data-autoplaypause=\"no\" data-loop=\"yes\" data-columns=\"5\" data-columnsmedium=\"1\" data-columnssmall=\"1\" data-itemmargin=\"0\" data-itemwidth=\"180\" data-touchscroll=\"no\" data-freemode=\"no\" data-imagesize=\"fixed\" data-scrollitems=\"0\" data-centeredslides=\"no\" data-rotationangle=\"50\" data-depth=\"100\" data-speed=\"500\" data-shadow=\"no\" data-pagination=\"bullets\" style=\"--awb-column-spacing:0px;\"><div class=\"swiper-wrapper awb-image-carousel-wrapper fusion-flex-align-items-center\"><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-simplu-credit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-simplu-credit2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-speedfinanciar.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"157\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-tbi-v2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit-consumer-finance.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-viva.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-alphabank.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-bcr-2023.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"300\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro-200x41.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro.png 300w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-brd.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-bt.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"61\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ca.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-claret.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credex.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" 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class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-icredit.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"110\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ing.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"267\" 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https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><\/div><div class=\"awb-swiper-button awb-swiper-button-prev\"><i class=\"awb-icon-angle-left\" aria-hidden=\"true\"><\/i><\/div><div class=\"awb-swiper-button awb-swiper-button-next\"><i class=\"awb-icon-angle-right\" aria-hidden=\"true\"><\/i><\/div><\/div><\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--awb-margin-top:0px;--awb-margin-bottom:0px;\" target=\"_self\" href=\"https:\/\/123credit.ro\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Aplica pentru un credit in mai putin de 5 minute<\/span><\/a><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 6<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span>Asigurarea facultativ\u0103 a locuin\u021bei este op\u021bional\u0103, dar necesar\u0103 \u2013 uite de ce Asigurarea facultativ\u0103 a locuin\u021bei este una dintre cele mai importante forme de protec\u021bie financiar\u0103 pentru proprietari, chiar dac\u0103 nu este impus\u0103 prin lege. De\u0219i \u00een Rom\u00e2nia exist\u0103 o poli\u021b\u0103 obligatorie (PAD) pentru locuin\u021be, aceasta acoper\u0103 doar trei riscuri majore \u0219i nu ofer\u0103 protec\u021bie complet\u0103. \u00cen realitate, cele mai  [&#8230;]<\/p>\n","protected":false},"author":8,"featured_media":3695,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[223],"tags":[],"class_list":["post-3693","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite-ipotecare"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Asigurarea facultativ\u0103 a locuin\u021bei este op\u021bional\u0103, dar necesar\u0103 \u2013 uite de ce - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Ce trebuie s\u0103 \u0219tii despre asigurarea facultativ\u0103 a locuin\u021bei: acoperire, costuri \u0219i c\u00e2nd devine obligatorie.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/123credit.ro\/blog\/asigurarea-facultativa-a-locuintei\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Asigurarea facultativ\u0103 a locuin\u021bei este op\u021bional\u0103, dar necesar\u0103 \u2013 uite de ce - 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