{"id":286,"date":"2026-09-26T02:58:13","date_gmt":"2026-09-25T23:58:13","guid":{"rendered":"https:\/\/surduasigurari.ro\/news\/ghid-pad\/"},"modified":"2026-09-26T02:58:13","modified_gmt":"2026-09-25T23:58:13","slug":"ghid-pad","status":"publish","type":"post","link":"https:\/\/surduasigurari.ro\/news\/ghid-pad\/","title":{"rendered":"Ghid PAD: ce acoper\u0103 (\u0219i ce nu acoper\u0103) poli\u021ba obligatorie"},"content":{"rendered":"<p>PAD este obligatoriu pentru orice locuin\u021b\u0103 din Rom\u00e2nia, dar limita de 20.000 EUR acoper\u0103 doar dezastrul natural, nu \u0219i incendiul din instala\u021bia electric\u0103, spargerea sau inunda\u021bia de la vecin. Ghidurile de mai jos explic\u0103 exact ce acoper\u0103 PAD, ce r\u0103m\u00e2ne descoperit \u0219i cum se calculeaz\u0103 desp\u0103gubirea.<\/p>\n<h2>Ghiduri din acest cluster<\/h2>\n<ul>\n<li><a href=\"https:\/\/surduasigurari.ro\/news\/ce-acopera-pad-ul-si-de-ce-limita-de-20-000-eur-nu-e-suficie\/\">Ce acoper\u0103 PAD-ul \u0219i de ce limita de 20.000 EUR nu e suficient\u0103 pentru casa ta<\/a><\/li>\n<li><a href=\"https:\/\/surduasigurari.ro\/news\/pad-obligatoriu-2026-amenzi-actualizate-termene-si-cum-il-ob\/\">PAD obligatoriu 2026: amenzi actualizate, termene \u0219i cum \u00eel ob\u021bii corect<\/a><\/li>\n<li><a href=\"https:\/\/surduasigurari.ro\/news\/cum-verifici-online-daca-apartamentul-tau-are-pad-valabil\/\">Cum verifici online dac\u0103 apartamentul t\u0103u are PAD valabil<\/a><\/li>\n<li><a href=\"https:\/\/surduasigurari.ro\/news\/ce-se-intampla-la-cutremur-daca-ai-doar-pad-calcul-real-de-d\/\">Ce se \u00eent\u00e2mpl\u0103 la cutremur dac\u0103 ai doar PAD: calcul real de desp\u0103gubire<\/a><\/li>\n<li><a href=\"https:\/\/surduasigurari.ro\/news\/pad-pentru-case-vechi-si-cladiri-cu-risc-seismic-ridicat-ce\/\">PAD pentru case vechi \u0219i cl\u0103diri cu risc seismic ridicat: ce trebuie s\u0103 \u0219tii<\/a><\/li>\n<li><a href=\"https:\/\/surduasigurari.ro\/news\/pad-vs-asigurare-facultativa-de-locuinta-comparatie-completa\/\">PAD vs asigurare facultativ\u0103 de locuin\u021b\u0103: compara\u021bie complet\u0103 pentru proprietarii din Rom\u00e2nia<\/a><\/li>\n<li><a href=\"https:\/\/surduasigurari.ro\/news\/modificarile-legislative-la-pad-in-2026-ce-se-schimba-si-cum\/\">Modific\u0103rile legislative la PAD \u00een 2026: ce se schimb\u0103 \u0219i cum te afecteaz\u0103 ca proprietar<\/a><\/li>\n<\/ul>\n<h2>Cum te ajut\u0103m<\/h2>\n<p>Surdu Asigur\u0103ri este broker de asigur\u0103ri \u00een Drobeta-Turnu Severin \u0219i compar\u0103 oferte de la mai multe companii autorizate ASF, f\u0103r\u0103 cost pentru tine. Sun\u0103 la <strong>0748 976 933<\/strong> sau scrie pe <a href=\"https:\/\/wa.me\/40748976933\">WhatsApp<\/a>.<\/p>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"url\":\"https:\/\/surduasigurari.ro\/news\/ghid-pad\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Ce este Ghid PAD?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"PAD este obligatoriu pentru orice locuin\u021b\u0103 din Rom\u00e2nia, dar limita de 20.000 EUR acoper\u0103 doar dezastrul natural, nu \u0219i incendiul din instala\u021bia electric\u0103, spargerea sau inunda\u021bia de la vecin. Ghidurile de mai jos explic\u0103 exact ce acoper\u0103 PAD, ce r\u0103m\u00e2ne descoperit \u0219i cum se calculeaz\u0103 desp\u0103gubirea.\"}},{\"@type\":\"Question\",\"name\":\"C\u00e2t cost\u0103 compara\u021bia de oferte la Surdu Asigur\u0103ri?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Compara\u021bia ofertelor este gratuit\u0103 pentru client; suntem pl\u0103ti\u021bi de asigur\u0103tor, nu de tine.\"}},{\"@type\":\"Question\",\"name\":\"Pot vorbi cu un broker f\u0103r\u0103 s\u0103 cump\u0103r nimic?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Da. Sun\u0103 la 0748 976 933 sau scrie pe WhatsApp \u0219i \u00ee\u021bi r\u0103spundem cu op\u021biunile disponibile, f\u0103r\u0103 obliga\u021bii.\"}}]}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>PAD este obligatoriu pentru orice locuin\u021b\u0103 din Rom\u00e2nia, dar limita de 20.000 EUR acoper\u0103 doar dezastrul natural, nu \u0219i incendiul din instala\u021bia electric\u0103, spargerea sau inunda\u021bia de la vecin. Ghidurile de mai jos explic\u0103 exact ce acoper\u0103 PAD, ce r\u0103m\u00e2<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-286","post","type-post","status-publish","format-standard","hentry","category-asigurari"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ghid PAD: ce acoper\u0103 (\u0219i ce nu acoper\u0103) poli\u021ba obligatorie - Surdu Asigur\u0103ri<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/surduasigurari.ro\/news\/ghid-pad\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ghid PAD: ce acoper\u0103 (\u0219i ce nu acoper\u0103) poli\u021ba obligatorie - Surdu Asigur\u0103ri\" \/>\n<meta property=\"og:description\" content=\"PAD este obligatoriu pentru orice locuin\u021b\u0103 din Rom\u00e2nia, dar limita de 20.000 EUR acoper\u0103 doar dezastrul natural, nu \u0219i incendiul din instala\u021bia electric\u0103, spargerea sau inunda\u021bia de la vecin. 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