Pajzsi's shelf: 101 articles in plain language – every question about the shared property covered.
Plain-language, decision-support articles on insuring a residential building – answers instead of marketing copy. Tip: use the magnifier button in the header to search the whole site.
Pajzsi's shelf: 101 articles in plain language – every question about the shared property covered.
Start here: what this insurance is, who decides, and where common property ends and private begins.
Condominium insurance is building and liability cover for the commonly owned parts of the house – the policyholder is the building community itself. How it works, in plain language.
Read it →No law makes it generally compulsory – but banks typically expect it for loans, and the building's own rules may require it. The full, nuanced picture, without scare tactics.
Read it →Roof, riser, windows, radiators: what is common and what is private differs from building to building. Why the deed of foundation decides, and what it means for insurance.
Read it →Structure, building systems, common areas, building liability – and what stays outside: the flats' contents and individual needs. The cover map on a single page.
Read it →The building's policy won't protect your kitchen furniture, and home insurance won't rebuild the roof – the two complement each other. Expanded from the quick-guide article.
Read it →Five steps through the policy text: cover list, exclusions, deductibles, sums insured, claims rules – what's where, and what to watch for.
Read it →Quote requests, preparing the general meeting, claims handling, the annual routine – what the building's representative should watch. Expanded from the quick-guide article.
Read it →The building's founding documents decide what is common property, who may decide on insurance and with what mandate – which is why every good quote request starts with the paperwork.
Read it →“The building's policy covers everything”, “the community pays anyway”, “it's compulsory like motor insurance” – the most common misunderstandings, answered with facts.
Read it →A condominium insurance crash course: sum insured, deductible, underinsurance, indexation, building liability and their peers – 15 terms, each in one clear sentence.
Read it →From fire to solar panels: how each cover works – in depth, but in plain language.
Fire, explosion, lightning, storm and their peers – what a natural peril means for a residential building, how the base cover is built, and where its typical limits run.
Read it →Burst pipes, leaking risers, blockage floods – why water leads the claims statistics, what the pipe-damage cover includes, and what the building should watch.
Read it →Blown-off tiles, torn flashing, leaks after a storm – how storm cover works, the maintenance objection, and the role of good documentation.
Read it →The glass in common areas breaks most often – what glass cover includes, with what limits, and when an extended glass cover is worth considering.
Read it →Falling render, dropping tiles, a slippery walkway – when the building injures someone or damages property, the building is liable. Expanded from the quick-guide article.
Read it →A broken-into storage room, stolen shared equipment, a damaged intercom – what the building's policy covers in shared spaces, and where residents' own insurance begins.
Read it →Lifts, boilers, pumps, pressure boosters – machinery-type damage and cover options, and how maintenance and insurance depend on each other.
Read it →More and more buildings generate power – when panels are part of the building cover, when they need declaring or a rider, and what about storm and hail damage.
Read it →A sprayed façade, wrecked letterboxes, a kicked-in door – how vandalism covers work, their typical limits, and good claims documentation.
Read it →Rare, large-loss perils follow their own rules: exclusions, waiting periods, territorial limits – what to know before the building counts on them.
Read it →More and more lithium-battery e-bikes and e-scooters are ending up in basements and storage rooms – this carries a different fire risk than traditional bicycle storage. Cover and prevention in plain language.
Read it →More and more condominiums now have an electric car charging point – either a shared investment or an individual wall charger. When it needs to be declared, and what to watch for with the insurance.
Read it →The representative is liable for their own failures, the building for damage it causes. How representative liability cover differs from building liability.
Read it →Uninhabitable flat after fire or water damage: what the building's policy pays for temporary housing, demolition and debris – and why lost rent is left out.
Read it →A resident's air-con outdoor unit on the common facade: consent under the Condominium Act, and which policy applies if it falls, leaks or a storm tears it off.
Read it →Shared heat pump or central air conditioning in a condominium: general meeting decision, notifying the insurer, higher sum insured, breakdown add-on, liability.
Read it →Post-drought cracks in a condominium: why slow subsidence is not a natural peril, when the insurer pays, what to do from expert to general meeting.
Read it →What drives the premium and what makes the sum insured right – without promising numbers.
Structure, age, condition, floor area, scope of cover, deductible, claims history – the pricing factors in plain language, with no specific figures or promises.
Read it →The building's market price and the cost of rebuilding it are two different numbers – the sum insured must follow the latter. The logic, with examples.
Read it →Floor areas, structure, equipment – how a sound sum insured is built, why rounding down never pays, and when expert help is worth it.
Read it →If the sum insured falls below the true value, the insurer may settle claims proportionally – a product fact, not a scare. How value maintenance prevents it.
Read it →Construction prices move – the building's sum insured must follow. Indexation at renewal, mid-term increases. Expanded from the quick-guide article.
Read it →A higher deductible means a lower premium but more self-retention – how a community should think about deductibles, based on claims history and reserves.
Read it →Structure is a core pricing factor: what matters for panel buildings, classic brick houses, and mixed or older structures.
Read it →The number and pattern of past claims feeds into every quote – what insurers read from it, how prevention improves the picture, and why honesty is mandatory.
Read it →The premium typically sits inside the common charges – scheduling, handling arrears, reserves, and the good practice of transparency.
Read it →The lowest premium is not always the best buy: scope, limits, deductibles, exclusions – how to compare quotes by what they actually contain.
Read it →If the representative or managing company does not pay: reminder, 30-day grace period, retroactive termination, reinstatement on request within 120 days.
Read it →In a condominium the decision is made at the general meeting – every material here serves that.
Getting it on the agenda, sending materials, handling questions, passing the resolution – the meeting route of an insurance decision, with a typical timeline.
Read it →What makes a good draft resolution on taking out or switching insurance? A sample text with explanations – within the framework of the building's own rules.
Read it →A good table speaks for itself: covers, sums, deductibles and services side by side – how the meeting-ready comparison is built.
Read it →“Why this much?”, “what do we get for it?”, “what if the insurer won't pay?” – the most common owners' questions with calm, factual answers.
Read it →Condominium insurance is a community contract: everyone pays, and it may serve anyone's loss – why that benefits everyone, and where the communal burden ends.
Read it →You don't always need to wait for a meeting: written voting may be regulated by the building's rules – typical frameworks, pitfalls and good practice.
Read it →The manager runs the building's affairs, the broker runs the insurance market – how the roles divide at quotes, signing and claims, to the building's benefit.
Read it →Policy, claims history, renewal date, contacts – the insurance chapter of a manager handover, item by item.
Read it →Premium, claims, services, renewal plan – the structure of the report's insurance block that keeps owners informed and decisions smooth.
Read it →Policy, terms, resolutions, claims correspondence, photo records – what the building's archive should hold, and in what order, so everything is at hand in a claim.
Read it →If the representative does not report the claim or hand over the policy: your right of inspection, direct reporting, the general meeting and the town clerk.
Read it →Condominium renovation loan: the bank wants property cover, an adequate sum insured and a clause or assignment. What it asks, what the meeting should decide.
Read it →In a claim, order is your friend: routes, roles, documentation – and when the broker steps in.
The primary route is always the insurer's claims line and online portal – the process step by step, what a good report needs, and the typical mistakes.
Read it →Claims on the building's policy are typically reported by the manager; flat damage by the owner to their own insurer – the roles by case type, with overlaps.
Read it →The most common condominium claim from report to restoration: exploration costs, the flooring question, and the common–private line on the invoices.
Read it →The classic scene with three players: the damaged party, the party causing it, and the building. Which policy steps in when. Expanded from the quick-guide article.
Read it →What counts as common-area damage, who handles the report, and how restoration runs – the typical cases and good documentation practice.
Read it →A passer-by, a parked car, the neighbouring property – when the building injures outsiders, the liability cover works. The process, the legal basis, good communication.
Read it →Inspection, document requests, calculation, settlement offer – the stages of claims handling, the building's tasks and realistic expectations.
Read it →Routine claims run fastest on the insurer's channel – the broker steps in when a case stalls or is disputed. What the broker's help can and cannot do, honestly.
Read it →The building's claims record is weighed at renewal – how a manager should read the statistics, and when to adjust covers or deductibles because of them.
Read it →The cheapest claim is the one that never happens: risers, pressure tests, roof inspections, gutters, water sensors – a tickable prevention list. Expanded from the quick-guide article.
Read it →The condominium is the policyholder, the co-owners the insured persons. Who is paid for common vs private damage, and how the money reaches the resident.
Read it →Hungarian conditions treat loss recurring from the same cause under unchanged circumstances as grounds for exemption or exclusion. What does rejection require?
Read it →Lightning protection, electrical safety, chimney and lift inspections: which law requires them, and when missing ones can be grounds for rejecting a claim.
Read it →Hail or leak claim paid below the invoice: depreciation or deductible? New vs depreciated value, deductible types and what to reclaim from the liable party.
Read it →The roof stays unrepaired and the flat keeps leaking: when is the condominium liable to its resident, what can they do, and what does its liability cover pay?
Read it →A car caught fire in the condominium's underground garage, or a car hit the gate: when MTPL pays, when casco pays, and what the condominium's own policy is for.
Read it →Cracks from construction next door: why the condominium's policy does not pay, who is liable, what the contractor's insurance covers and how to prove the claim.
Read it →The insurer typically pays the time-of-loss value first, the new-value difference only after proven reinstatement. What does it mean for the general meeting?
Read it →Prefab panel, brick, new build, mixed-use – the risk picture by building type.
In small buildings everything is more direct – decisions and losses too. What a small community should watch when choosing cover, and why insurance isn't a luxury here either.
Read it →Many flats, long risers, shared building systems – the panel building's risk picture and cover priorities: pipe damage, lifts, liability, coordination.
Read it →Old slabs, ageing risers, ornate façades – the insurance questions of historic brick houses: condition, value sizing, liability above the pavement.
Read it →Underground garage, lifts, solar panels, modern systems, warranty periods – the new building's cover priorities, and what the first general meeting should settle.
Read it →A hairdresser, shop or office in the building – how non-residential use shapes the risk picture, and where the line runs between the building's and the tenant's insurance.
Read it →A flooding underground garage, broken-into storage, the shared basement – what the building's policy covers there, and what residents should insure themselves.
Read it →Roof replacement, façade works, riser replacement – what the existing policy can carry, when erection-all-risks cover is needed, and what to require from contractors.
Read it →More traffic means more risk – what short-term letting means for the building's insurance, what the community can do, and where the owner's responsibility lies.
Read it →The two forms differ legally – ownership structure, decision-making, insurance solutions. What's shared, what differs, and what a cooperative building should watch.
Read it →Deed of foundation, house rules, first general meeting – and insurance in between: how a newly forming building should arrange cover without a single uncovered day.
Read it →For a mortgage, the bank expects property insurance and a mortgagee clause. When the building's policy qualifies and when you need your own home insurance.
Read it →Buying a condominium flat? Check the building's insurance: policy, sum insured, claims history, arrears – what to ask for and what the Condominium Act says.
Read it →From the quote request to the annual routine: the process step by step.
Floor areas, structure, age, systems, claims history, the current policy – the data of a good quote request, item by item, with the reasons.
Read it →How the condominium insurance comparison table is built: scope, sums, deductibles, limits, riders, service – column by column, meeting-ready.
Read it →An open-ended policy can typically be cancelled at renewal, with proper notice – the switching steps to help the building avoid a gap in cover.
Read it →You don't need to switch every year – but the market deserves a regular look: when premium, service or scope signals it, and when indexation is enough.
Read it →Scope, sums, deductibles, riders, claims record – the review criteria for the current policy, before the building changes anything.
Read it →Policy check, premium setup, documents to the archive, informing residents, closing the old contract – the tasks of an orderly transition.
Read it →Looking at the building's policy once a year pays: sum maintenance, claims statistics, cover needs, premium check – a tickable renewal routine.
Read it →Renovation, extension, rising prices – if the building's value grew, the sum must follow. The process, the decisions needed and the right timing.
Read it →A new managing agent arrives – what happens to the building's insurance? Handover list, contact updates, mandates, and avoiding a gap in cover.
Read it →Underinsurance, outdated sums, missing liability cover, the wrong deductible, a forgotten renewal – the ten most common mistakes, each with its antidote.
Read it →Insurer cancelled the building's policy or sent a big renewal premium rise: Civil Code deadlines, general meeting decision, re-insuring with a claims history.
Read it →Templates, checklists, glossaries – the pieces of the meeting-ready pack.
30 condominium insurance terms, each in one clear sentence – from underinsurance to water damage, with links to the deeper articles.
Read it →A sample text for resolutions on taking out or switching insurance, or granting a mandate – with explanations, mindful of the building's own rules.
Read it →A fillable structure for a meeting-ready comparison of insurance quotes: covers, sums, deductibles, limits, services – row by row.
Read it →The building's insurance upkeep as a tickable list: sum, claims, cover needs, renewal, documents – the full routine.
Read it →A pin-up, plain-language process note: what a resident should do in a claim, when the insurer's claims line is the route, and when to alert the manager.
Read it →What does a good condominium insurance quote request need? A short data list built from the building's documents – to start the tender quickly and precisely.
Read it →Five strong questions for every condominium insurance quote: the basis of the sum, exclusions, deductibles, limits, claims handling – with the reasoning.
Read it →A short, friendly text skeleton for informing residents: what the building's policy covers, what it doesn't, and what to do in a claim.
Read it →What to review in the deed of foundation and the house rules through insurance eyes – mandates, boundaries, obligations, in a tickable list.
Read it →Building insurance, liability, deductible, underinsurance – 30 English–Hungarian term pairs from the world of condominium insurance, for international owners.
Read it →Free of charge, no obligation – by the end you will see the options and the next step clearly.