{"id":140048,"date":"2026-07-15T09:39:58","date_gmt":"2026-07-15T06:39:58","guid":{"rendered":"https:\/\/www.santaka.info\/?p=140048"},"modified":"2026-07-15T09:40:03","modified_gmt":"2026-07-15T06:40:03","slug":"busto-draudimas-lietuvoje-kas-tai-ir-kiek-kainuoja","status":"publish","type":"post","link":"https:\/\/www.santaka.info\/index.php\/2026\/07\/15\/busto-draudimas-lietuvoje-kas-tai-ir-kiek-kainuoja\/","title":{"rendered":"B\u016bsto draudimas Lietuvoje: kas tai ir kiek kainuoja?"},"content":{"rendered":"<h2 class=\"wp-block-heading\">Nema\u017ea dalis \u017emoni\u0173 mano, kad b\u016bsto draudimas yra tik papildomos i\u0161laidos, kuri\u0173 galima i\u0161vengti. I\u0161 tikro, vienas netik\u0117tas vamzd\u017eio sprogimas ar gaisras gali kainuoti daugiau nei de\u0161imt met\u0173 sutaupyt\u0173 draudimo \u012fmok\u0173. Balcia draudimo specialistai atsako, kas yra b\u016bsto draudimas, k\u0105 jis dengia ir kiek i\u0161 tikr\u0173j\u0173 kainuoja.<\/h2><h2 class=\"wp-block-heading\">Kas yra b\u016bsto draudimas Lietuvoje?<\/h2><p><a href=\"https:\/\/www.balcia.lt\/lt\/turto-draudimas\">B\u016bsto draudimas<\/a> yra savanori\u0161kasis nekilnojamojo turto, o da\u017enai ir jame esan\u010di\u0173 daikt\u0173 apsaugos b\u016bdas. Jis dengia \u017eal\u0105, kilusi\u0105 d\u0117l gaisro, vandens u\u017eliejimo, vagyst\u0117s, vandalizmo, stichini\u0173 nelaimi\u0173 ar kit\u0173 netik\u0117t\u0173 \u012fvyki\u0173.<\/p><p>B\u016bsto draudimas da\u017eniausiai susideda i\u0161 dviej\u0173 atskir\u0173 dali\u0173:<\/p><ul class=\"wp-block-list\"><li><strong>Pastato konstrukcijos draudimas<\/strong>. Tai sienas, stog\u0105, langus, duris ir kitas pastato konstrukcines dalis apimantis draudimas. Draudimo suma nurodoma kaip pastato nauja atkuriamoji vert\u0117, t. y. suma, kurios tur\u0117t\u0173 pakakti pastat\u0105 visi\u0161kai atstatyti.<\/li>\n\n<li><strong>Vidaus turto draudimas<\/strong>. Tai daikt\u0173, toki\u0173, kaip baldai, buitin\u0117 technika, drabu\u017eiai, \u017eaislai ir kiti kasdieniai daiktai apsauga. Kai kurie draudikai taip pat dengia daiktus, laikinai esan\u010dius u\u017e b\u016bsto rib\u0173, pavyzd\u017eiui, gara\u017ee ar net automobilyje.<\/li><\/ul><p>Papildomai Balcia draudikai rekomenduoja \u012ftraukti ir <a href=\"https:\/\/www.balcia.lt\/lt\/civiline-atsakomybe\">civilin\u0117s atsakomyb\u0117s draudim\u0105<\/a>. Jis padengia \u017eal\u0105, jei j\u0105 nety\u010dia padarai kaimynams, pavyzd\u017eiui, jei sprogsta vamzdis ir u\u017elieji kaimyn\u0173 but\u0105.<\/p><p>Renkantis Balcia b\u016bsto draudim\u0105, \u017einosi, kad \u012f Tavo b\u016bsto apsaug\u0105 yra \u012ftrauktos gelb\u0117jimo, valymo, grind\u0173 ir sodo atk\u016brimo paslaugos, interjero dizainerio pagalba, laikinas b\u016bstas ir net kelioni\u0173 at\u0161aukimo i\u0161laidos, jei nelaim\u0117 nutiko namuose.<\/p><h2 class=\"wp-block-heading\">Ar b\u016bsto draudimas privalomas?<\/h2><p>Formaliai \u2013 ne, ta\u010diau, jei \u012fsigijai b\u016bst\u0105 su banko paskola, b\u016bsto draudimas yra privalomas vis\u0105 kredito sutarties galiojimo laikotarp\u012f. Net ir neturint paskolos, draudimas labai rekomenduojamas, nes \u017eal\u0173 skai\u010diai Lietuvoje kasmet auga.<\/p><h2 class=\"wp-block-heading\">Kiek kainuoja b\u016bsto draudimas Lietuvoje?<\/h2><p>Vidutinio dyd\u017eio (apie 50 kv. m.) senos statybos buto visapusi\u0161kas draudimas Lietuvoje vidutini\u0161kai kainuoja nuo 6 iki 15 eur\u0173 per m\u0117nes\u012f (72\u2013180 eur\u0173 per metus). Naujos statybos butams kaina da\u017enai ma\u017eesn\u0117.<\/p><p>Nedidelio namelio bazinis draudimas gali kainuoti apie 50\u2013100 eur\u0173 per metus. Didesniam, brangiam namui su \u012ftrauktu nam\u0173 turtu ir papildoma apsauga, iki 200\u2013400 eur\u0173 per metus ar net daugiau.<\/p><p>Vidaus turto draudimas atskirai (pavyzd\u017eiui, nuomininkams, kurie nenori drausti pastato) kainuoja vidutini\u0161kai nuo 3 iki 15 eur\u0173 per m\u0117nes\u012f, priklausomai nuo pasirinktos draudimo sumos.<\/p><h2 class=\"wp-block-heading\">Nuo ko priklauso b\u016bsto draudimo kaina?<\/h2><p>B\u016bsto draudimo kaina n\u0117ra vienoda visiems, ji apskai\u010diuojama individualiai pagal tam tikrus veiksnius:<\/p><ul class=\"wp-block-list\"><li><strong>B\u016bsto tipas<\/strong>. Tai butas ar namas, m\u016brinis ar medinis pastatas. Mediniai namai draud\u017eiami brangiau d\u0117l didesn\u0117s gaisro rizikos.<\/li>\n\n<li><strong>Plotas ir vert\u0117<\/strong>. Kuo didesnis ir vertingesnis turtas, tuo didesn\u0117 draudimo suma ir \u012fmoka.<\/li>\n\n<li><strong>Statybos metai<\/strong>. Naujesni pastatai laikomi ma\u017eiau rizikingais.<\/li>\n\n<li><strong>Vietov\u0117<\/strong>. Geografin\u0117 pad\u0117tis ir aplinkos rizikos veiksniai (potvyniai, nusikalstamumo lygis).<\/li>\n\n<li><strong>Pasirinktos apsaugos<\/strong>. Kuo platesn\u0117 apsauga (vagyst\u0117, stiklo d\u016b\u017eiai, pagalba namuose, civilin\u0117 atsakomyb\u0117), tuo didesn\u0117 bus \u012fmoka.<\/li>\n\n<li><strong>Ankstesn\u0117 \u017ealos istorija<\/strong>. Jei butas jau buvo u\u017elietas ar apvogtas, polisas gali kainuoti daugiau.<\/li><\/ul><h2 class=\"wp-block-heading\">\u012e k\u0105 atkreipti d\u0117mes\u012f renkantis?<\/h2><p>Prie\u0161 pasira\u0161ydamas sutart\u012f, \u012fvertink:<\/p><ul class=\"wp-block-list\"><li>Ar draudimas dengia tiek pastato konstrukcij\u0105, tiek vidaus turt\u0105.\u00a0<\/li>\n\n<li>Ar yra nustatyta fran\u0161iz\u0117 (suma, kuri\u0105 padengsi pats)?<\/li>\n\n<li>Ar sutartyje yra civilin\u0117s atsakomyb\u0117s apsauga?\u00a0<\/li>\n\n<li>Ar draudikas si\u016blo pagalb\u0105 namuose (santechnikas, elektrikas)?<\/li>\n\n<li>Ar draudimo suma atitinka reali\u0105 Tavo turto atkuriam\u0105j\u0105 vert\u0119?<\/li><\/ul>","protected":false},"excerpt":{"rendered":"<p>Nema\u017ea dalis \u017emoni\u0173 mano, kad b\u016bsto draudimas yra tik papildomos i\u0161laidos, kuri\u0173 galima i\u0161vengti. I\u0161 tikro, vienas netik\u0117tas vamzd\u017eio sprogimas ar gaisras gali kainuoti daugiau nei de\u0161imt met\u0173 sutaupyt\u0173 draudimo&#8230; <\/p>\n","protected":false},"author":10,"featured_media":140049,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"pmpro_default_level":"","jetpack_post_was_ever_published":false,"_FSMCFIC_featured_image_caption":"","_FSMCFIC_featured_image_nocaption":"","_FSMCFIC_featured_image_hide":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[87],"tags":[],"class_list":["post-140048","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-naudinga","pmpro-has-access"],"featured_image_urls":{"full":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/07\/Seo_07-15.jpg",613,509,false],"thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/07\/Seo_07-15-150x150.jpg",150,150,true],"medium":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/07\/Seo_07-15-300x249.jpg",300,249,true],"medium_large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/07\/Seo_07-15.jpg",613,509,false],"large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/07\/Seo_07-15.jpg",613,509,false],"1536x1536":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/07\/Seo_07-15.jpg",613,509,false],"2048x2048":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/07\/Seo_07-15.jpg",613,509,false],"post-thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/07\/Seo_07-15-600x400.jpg",600,400,true],"visualnews_post_thumb":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/07\/Seo_07-15-600x400.jpg",600,400,true],"woocommerce_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/07\/Seo_07-15-300x300.jpg",300,300,true],"woocommerce_single":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/07\/Seo_07-15-600x498.jpg",600,498,true],"woocommerce_gallery_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/07\/Seo_07-15-100x100.jpg",100,100,true]},"author_info":{"info":["santakoslaikrastis"]},"category_info":"<a href=\"https:\/\/www.santaka.info\/index.php\/category\/kitos-temos\/naudinga\/\" rel=\"category tag\">Naudinga<\/a>","tag_info":"Naudinga","comment_count":"0","jetpack_featured_media_url":"https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/07\/Seo_07-15.jpg","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/140048","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/comments?post=140048"}],"version-history":[{"count":1,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/140048\/revisions"}],"predecessor-version":[{"id":140050,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/140048\/revisions\/140050"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media\/140049"}],"wp:attachment":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media?parent=140048"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/categories?post=140048"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/tags?post=140048"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}