When you start a renovation, you’re not just buying materials and hiring workers—you’re taking a risk. Podpojištění, doplňkové pojištění, které pokrývá rizika, která standardní stavební pojištění nezahrnuje. Also known as doplňkové stavební pojištění, it protects you from unexpected damage like water leaks, fire, or accidental destruction of custom-made furniture during installation. Most people think their main construction insurance is enough. It’s not. If a worker drops a heavy door frame and cracks your new dřevěná podlaha, or a leak from a faulty pipe ruins your Benátský štuk, who pays? Your main policy might say no. That’s where podpojištění steps in.
Think of it like a safety net for your investment. When you’re installing custom kitchen counters, smart home systems, or hand-finished wooden stairs, you’re dealing with expensive, one-of-a-kind items. Standard policies rarely cover damage to these unless you specifically add them. Podpojištění fills that gap. It’s not just for big projects either—even small renovations like replacing windows or redoing a bathroom can go wrong. A single mistake can cost tens of thousands. And if your neighbor sues because the noise from your rekonstrukce domu broke their plaster? Podpojištění může pokrýt i tyto případy.
What’s covered? It depends on the policy, but common inclusions are: accidental damage to your own property, third-party liability, theft of materials on site, and even delays caused by weather or supplier issues. Some policies even cover damage to existing finishes like perlový štuk or antique flooring. You’ll find that many of the posts here—like those about dekorativní štuky, dřevěná podlaha, or chytré termostaty—involve high-value items that need extra protection. Without podpojištění, you’re gambling with your savings.
And it’s not just about money. Imagine your custom-made doors arrive a week late because of a logistics error. Your planned schedule collapses. You have to stay with family. You lose income. Podpojištění can include coverage for temporary housing or lost income during delays. It’s not a luxury—it’s a practical tool for anyone serious about their renovation. Most people wait until something breaks to think about it. Don’t be one of them. The posts below cover real cases: how people lost thousands because they skipped it, how others saved their project with the right policy, and what to look for when choosing coverage. You’ll find practical advice on what to ask your insurer, what clauses to watch out for, and how to make sure your custom furniture, flooring, and finishes are actually protected. This isn’t about fear. It’s about control. Know what’s covered. Know what’s not. And don’t leave your home’s future to chance.
