Spousta Nápadů

Pojistná hodnota: co to je a proč je důležitá pro domácnost

When you insure your home, you’re not just buying peace of mind—you’re making sure your pojistná hodnota, celková hodnota majetku, který chcete pojištěný, obvykle včetně nábytku, interiérových dveří a dalších pevných prvků. Also known as hodnota nahrazení, it’s the number that determines how much money you’ll get if something gets damaged or stolen. Many people think their home insurance covers everything, but if your pojistná hodnota is too low, you could be left paying thousands out of pocket after a fire, flood, or burglary.

Think about your interior doors. If you have custom-made, handcrafted ones from quality wood, their value isn’t just in the material—it’s in the craftsmanship. A standard door might cost 2,000 Kč, but a hand-finished one with unique design can easily reach 15,000 Kč or more. Same goes for furniture: a cheap IKEA shelf is one thing, but a solid oak cabinet from a local carpenter is another. Insurance companies don’t care about sentimental value—they care about replacement cost. That’s why you need to track what you actually own, not just guess.

And it’s not just about furniture. When you do a renovation—like replacing old windows, upgrading flooring, or installing new interior doors—you’re increasing the value of your home. If you don’t update your insurance, you’re underinsured. A few years ago, a client in Prague had a kitchen fire. His insurance paid out based on a 10-year-old valuation. He lost his custom-made oak cabinets, hand-painted doors, and built-in shelves. The payout covered less than half of what it would cost to rebuild. He ended up paying the rest from savings. That’s the kind of mistake you can avoid.

Start by walking through your home room by room. Write down key items: doors, built-in cabinets, heavy furniture, antique pieces, even high-end lighting. Don’t forget the little things—like custom-made door handles or hand-carved details. Take photos. Keep receipts if you have them. You don’t need to list every spoon, but you do need to account for anything that would cost more than 5,000 Kč to replace. Most insurers allow you to update your pojistná hodnota anytime, not just during renewal. Do it after major purchases or renovations.

And remember: pojistná hodnota isn’t the same as market value. Your house might be worth 5 million Kč on the open market, but your insurance only needs to cover what it costs to fix or replace the things inside. That’s why a home with handcrafted doors and custom woodwork needs special attention. You’re not just insuring a space—you’re insuring craftsmanship, time, and quality. If you’ve invested in Czech-made interior doors or locally crafted furniture, make sure your insurance reflects that.