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With the concept of the experience economy in place, the evolution of the exchange object has made a step further to integrate experiences, calling forth a need for a marketing complex which would reflect the experiences and manage them. The concept of experience marketing was established and developed alongside the development of the concept of experience economy. Many scientists view tourism as a sector of service economy, which suggests that, as applied to the tourism industry, the experience marketing instrument will promote a sustained development of tourist service consumer catering activities.

One of the most significant tasks and problems amplifying every year for all heads of management companies and other organizations of a housing and municipal complex is the effective legal department receivables of the enterprises of branch. Today the debt of the population on payment for utilities is the most widespread type of a debt in relationship between management companies, the supplying resources organizations and consumers of services of housing and communal services. For this reason the majority of the disputes, which are at permission in courts of law, arise between the organizations of housing and communal services, natural and legal entities. In the article actual problems of compensation of debts of the population on payment of housing-and-municipal services are considered, the main reasons for emergence of non-payments, and also difficulties of management companies in work with defaulters are established. The statistical material characterizing the volume of debt for housing-and-municipal services in the country including by regions of Russia is given. On the base of considering of the debt structure is revealed that its main part is made by debts on heat supply. The special attention in article is paid to the transition tendency arising now from delay by citizens of payment of obligatory payments to systematic failure to pay that causes the necessity of acceptance of urgent measures for strengthening of discipline of payments. Various ways of impact of management companies and associations of owners of housing on unfair residents are given. In article on the basis of the review of legislative initiatives the offers on ensuring repayment of debt on housing-and-municipal services directed on improvement of payment discipline of consumers of services, increase of mutually responsibility of all subjects of system of the relations, and also on providing necessary conditions for effective work of the organizations and the enterprises of branch are considered. It is noted that against the possible growth of volume of debts formation among the population of steady understanding of importance of timely fee of a housing-and-municipal complex becomes topical issue.

The object of property insurance is interest related to possession and disposal of property. Insurance of cultural property is perhaps one of the most personal types of services that are provided by insurers, because every work of art or an old thing is unique. Collecting antiques and works of art has long become for some people not just a hobby, but also an investment of money. Therefore at present this type of insurance is increasing popular in the territory of Russia. The creation and implementation of a new "insurance product" is an expensive business, entailing great risks. The insurance product should be understandable to the client; therefore the work of the insurance company should be aimed at adapting the introduced type of insurance to certain groups of consumers. The development of requirements for a new insurance product is a process of determining its properties meeting the insurer's needs to the greatest extent and corresponding to the customer's preferences. To date, insurers can offer to client an insurance policy not only for standard property, but also for rare and unusual, which also includes items such as antiques, luxury goods, musical instruments and jewelry. The article is focused on considering and conducting analysis of new methods for expanding the product range of property insurance (for example, insurance of luxury goods and antiques), and storage conditions. The authors also emphasize the assessment stages of categories.

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