00564naa#a2200193#i#450# EN\\bibl\66655 20250103125424.5 1998-8990 20150625b2015####ek#y0engy0150####ca RUS RU IMPROVEMENT OF FIRE RESIDENTIAL INSURANCE Journal article Saint-Petersburg Saint-Petersburg University of State Fire Service of Emercom of Russia 2015 6 с. Journal article local Utkin N I Dashko V M Nikitin S V journals.igps.ru