Home insurance protects not only the property but also loved ones. Every day, the assets of a family unit are subject to tangible risks, from which it is possible to defend oneself by choosing to use a comprehensive protection insurance tool. Considering the idea of subscribing a home insurance policy, it is good to be clear about the possible options and learn more about the insurance universe.
What does home insurance cover? First of all, it must guarantee specialized assistance in the event of an emergency, thanks to basic guarantees: theft, fire and explosion, coverage for involuntary damage to third parties. You can opt for a broader solution, inserting one or more supplements, starting from coverage for damages due to natural disasters such as floods and earthquakes, passing through regular legal protection to get to vandalism.
Home insurance it is not subject to legal constraints, unless ownership of the property is a consequence of taking out a mortgage. In that case, the policy becomes an obligation. For more information, you can scroll through the main provisions governing the policies connected to mortgages dictated by theIVASS (the entity that supervises the Italian insurance market).
Home insurance policy: get help from an expert
When evaluating the choice of policy it is essential to find the right combination between guarantees, offers and costs. To do this, it is best to get advice from an expert in the sector through traditional channels or take advantage of the latest generation opportunities offered by the web.
The digital world is revolutionizing the financial industry and thus the insurance sector. The health crisis has highlighted the need to accelerate digitization starting from consumer habits.
This is where the portal comes into play MyInsurer, online insurance broker operating under the supervision of IVASS. Buying home insurance online is a quick operation that allows you to find a quality policy at an appropriate price, comparing several offers with one click. Discover the best online home insurance here.
News on the MioAssicuratore Observatory
Quality, variety and cost of coverage of an insurance product are determining factors. Thanks to the analysis carried out by the insurance Observatory of MioAssicuratore, which dedicates a focus to the costs of home insurance policies in the last 12 months, it emerged that Italian families spend on home insurance policies (excluding RC Auto) approximately EUR 155,98.
From 2019 to today, on MioAssicuratore the most purchased guarantee was Damage to the Building, followed by Damage to the Contents and Damage to Third Parties-RC Building.
