00535naa#a2200181#i#450# EN\\bibl\67598 20250107194954.2 2074-1626 20150325b2015####ek#y0engy0150####ca RUS RU RESIDENTIAL PROPERTY INSURANCE PROTECTION Journal article Saint-Petersburg Saint-Petersburg University of State Fire Service of Emercom of Russia 2015 4 с. Journal article local Utkin N I Dashko V M journals.igps.ru