No one wants to see their home suffer damage from burglaries, blowouts, fires, or anything else that can happen. Fortunately, there are tailor-made home insurance policies that can be sewn according to everyone's needs in order to give peace of mind without spending exorbitant amounts.
Let's see how to choose a good home insurance policy.
Home insurance policy
Home insurance policies offer various coverage options for various types of damage to both the home and its contents, and therefore guarantee peace of mind for the family both in the event of large damages and minor damages (such as a broken household appliance). . To see the details of the policies click , promising.
What are the damages to the house
Damage to the home is caused by fire, lightning, gas leaks, wind, heavy hailstorms that can cause major damage to the home, or can break systems and pipes that could flood the home or damage the walls.
This type of policy includes the costs for finding the fault that caused the damage, the costs of removing the material or the stay in hotels if it is necessary to stay overnight outside the home.
As for the compensation, it is calculated on the basis of the cost necessary to rebuild the house. The insurance will therefore only pay what is needed to restore the home to the state it was in before the event that caused the damage, up to the maximum amount indicated in the contract.
Equipment and furniture policy
This type of policy, on the other hand, covers damage involving furniture and electronic equipment due to the same events indicated in the guarantee for damage to the home that we have already listed above.
Especially useful if, during a thunderstorm, a lightning strike causes a short circuit in your TV, computer or modem, or if a leak from a pipe ruins Persian carpets, or if your kitchen is damaged in a fire.
Compensation works like this: the insurance pays the damage up to the insured sum indicated in the contract and according to the replacement value of the goods. To give a concrete example, if lightning damages a computer purchased two years ago, the insurance company reimburses only what the policyholder would spend today to buy a computer with the same characteristics and performance.
Theft and robbery policy
This type of guarantee protects the goods contained in the house in case of theft or damage and personal goods after a robbery or a mugging.
The compensation, in this case, is calculated on the basis of the value of the stolen goods up to the sum indicated in the contract. Damage caused to the home as a result of theft or attempted theft will be compensated up to the expected amount.
Third Party Liability Policy
Finally, there are a number of possibilities regarding damage caused to third parties. There is a type of policy, property civil liability, which covers damage that the house can cause to neighboring houses or to things and people.
The management and family life civil liability covers the damages that the insured and his relatives can accidentally cause to people or things in the course of daily life. And there is further protection in the house rented when you go on holiday for a period not exceeding 2 months.
Finally, there is a policy that protects dog owners which covers the damage that the four-legged friend could cause to things, people or other animals.
Global policy and multi-risk policy
The global policy is indicated for individuals who live in a condominium or house that they do not own, while the multi-risk policy is indicated for individuals who live in their own building.
