Výběr optimálního produktu pojištění nemovitosti

Abstract

Most of the real-estate owners want to have their properties insured against unexpected circumstances and insurable risks. For this reason, this bachelor thesis focuses on the selection of the optimal real-estate insurance product for the particular client in a way that all the requested criteria would meet his expectations. The main part of the thesis consists of the Multiple-criteria decision analysis desription. Furthermore, the methods of evaluation-criteria weight-setting and methods of multiple-criteria variant analysis are described as well. In the following chapter, the focus is directed towards the property-casualty insurance and local insurance market, at which 14 insurance instituions offer the related products. An insurance subject, object, requested criteria and offered insurance variants are on the other hand specified within the consequent application chapter. Using the Saaty´s method, the weights for evaluation criteria are designated. Whereas, the AHP (Analytic hierarchy process) and a method of linear utility functions have been used to assign weights for the evaluation criteria. Based on the aforementioned methods, the best variant of the real-estate insurance has been selected. The final result consists of two insurance options. The first one is calculated exactly as per the criterions and related weights selected by the client himself. The second variant of the result is however based on the author´s own recommendation, how to modify the weigh-setting of the evaluation criteria in order to achieve more favourable outcome for the client.