Mandatory when you are a tenant or co-owner of a home, a home multi-risk insurance contract can offer many guarantees. But what are the “indispensable” to absolutely have?
What guarantees can you find on your home insurance policy?
If the homeowners’ insurance policies do not all display the same subscription prices, they must offer identical basic guarantees including at least:
– Damage to property : it is a cover intended to protect the furniture and the real estate of the insured person. It allows the reimbursement or the payment of compensation in case of damage that would not be due to an act of negligence on your part: water damage, fire, explosion, storm, storm, hail, snow, natural or technological disasters but also acts of terrorism and attacks.
– The civil liability guarantee called “private life “: which protects you in the event of unintentional injuries caused to a third person. Generally, home insurance policies offer comprehensive coverage for all members of your family as well as your pets. So, if your child hurts one of his comrades without making an intention, it is this guarantee of responsibility that will take care of the reimbursement of damages.
A home multi-risk contract must also include legal protection – which is essential in the event of a dispute with your neighbors – as well as guarantees of assistance .
Every renter of housing is obliged to take out home insurance – the landlord generally requires a certificate when signing the rental agreement. An obligation also required for non-occupying homeowners as well as co-owners.
Secondary guarantees of home insurance not to neglect
The guarantee “retrofitting new” of your furniture, appliances, hifi and computer under 7 years after a flight is an interesting option. It allows a more complete refund since no quotient of obsolescence is applied.
If you live in a house with a garden, it will be interesting to take out a guarantee of the external equipment covering the damages caused to your swimming pool or your veranda, for example, which can weigh heavy in the budget. Feel free to compare the various contracts multi-risk home and make quotes: your home insurance must meet exactly your needs.
If the guarantees offered will play a determining role in the choice of your contract, also pay particular attention to the terms of compensation such as repayment terms or the amount of deductibles.
Have the reflex to go through an insurance comparator online that will allow you, depending on your situation, find the best home contract.