TY JOUR TI RESIDENTIAL PROPERTY INSURANCE PROTECTION KW residential property insurance KW indemnification KW tax breaks KW voluntary insurance KW public auctions in electronic form KW fires and other natural disasters JO LAW. SAFETY. EMERGENCY SITUATIONS AU Utkin, N.I. AU Dashko, V.M. PY 2015 IS 2015 PB Saint-Petersburg University of State Fire Service of Emercom of Russia