What to take into account to hire a home insurance

The risks to which our home is exposed are increasingly, but you can avoid many troubles through the purchase of home insurance . With one of these policies you can live more quiet, because they will save you worries and money. Hiring the home insurance that best suits your home and your family is very complicated, so in .com, we explain what you should take into account to hire home insurance .

Continent and content

The continent refers to all the elements that are part of the empty dwelling, that is, they are part of the structure and the elements necessary to create it. This includes foundations, walls, doors, fixed installations, pipes, fixed decoration elements, blinds, garages, storage rooms, etc. It is highly advisable to contract a policy that covers the continent if the property is owned.

As regards the content, this is the set of movable assets that are part of the interior of the house, that is, bookstores or fixed elements, personal property, etc. To calculate its value, the insurance company is based on its replacement cost. The content is divided into normal furniture, jewelry and money, and objects of special value.

What are the basic coverages of home insurance?

The risks covered by each insurance can vary greatly from one company to another, but they should always cover some basic material damage. Mainly, these basic risks are: fire, explosion or implosion; smoke produced accidentally or from outside; impact of lightning; atmospheric phenomena, such as wind; rain, hail, hail or snow; repair or compensation for damage caused by water leaks; collision or impact of vehicles, vandalism; covers for broken glass, glass, mirrors and stained glass.

What are the special coverages of home insurance?

The coverage of special services is used to cover the hotel expenses of a similar home in the event of repairs or uninhabitable home. In some cases it may also include expenses for the replacement of documents and those inherent to the movement of furniture.

What is the purpose of insuring the liability of a home insurance?

It can be very useful to hire civil liability insurance to cover events that legally commit the insured, basically, the events that occurred within their home or in common areas in urban communities. Even some insurers include defense and legal advice if necessary, assuming claims, court bonds and other costs.

Complementary coverage of home insurance

Some insurance companies offer the possibility of hiring complementary coverage, such as: robbery on the public highway, repair costs for electrical damage, broken glass or countertops, replacement of locks, compensation for fraudulent use of credit cards, etc.

In addition, there is also the possibility of contracting home assistance services within the policy, such as: urgent repair services, family assistance, home repairs, pet insurance, travel assistance, etc.

What does not a home insurance cover?

There is a series of facts that will never cover any of the home insurance in the market. These are, mainly, those related to the intentionality of the insured to cause a loss in housing, natural disasters and armed conflicts .