What to assess when choosing a home insurance?

The house is classified among the most valuable assets you have, however, also is exposed to serious risks, so it is always a good practice to ensure the property owned and the objects in it, with a policy that covers any occurrence It can affect you. 

In some cases it is almost mandatory to resort to home insurance, especially when you have or you live.
 
At one time, the home insurance concerned only civil liability to third parties or from fire, today, instead, you can choose a 'comprehensive insurance on the house, incorporating a number of factors that make the policy more comprehensive. 


Precisely for this reason, it is essential to carefully assess each individual policy in order to compare with the others and choose the one that best adapts to all your needs.

What are the requirements on BE CONSIDERED BEFORE CHOOSING AN INSURANCE POLICY FOR YOUR HOME?

Before catapult in choosing an insurance for your home, it is essential to carefully consider the characteristics and proposed that each insurance can make available to their customers; in particular, the following points are essential, to carefully assess, prior to selection of a suitable policy, namely:

• the annual amount to be paid, commonly called prize
• events and the damages included in the bill, that the cover provided by the insurance company;
• exclusions
• extras, ie all additional covers, available at a higher price.

Regarding the second point to be considered in the initial assessment, you can choose between many types of insurance coverage, such as the help you protect your property from possible unfortunate events, such as the following:

• l 'fire, which can be caused by different causes, between which a short circuit, by faulty electrical connections, by the malfunction of heating appliances and chimneys;
• blasts and explosions caused by gas leaks;
• failures to plant engineering or electronic devices;
• but also, vandalism and damage caused by burglary
• theft of valuables
• damage caused by the presence of pets
• damage due to weather events and natural disasters
• flooding or seepage caused by defects in construction of water systems and propagatisi from your apartment to others;
• the damage caused involuntarily to neighbors (water leaks, falling objects or cause damage to third parties).

It urgently needs a clarification about the damage caused to property, because of natural disasters; with the Decree Law 59 of 15 May 2012 , concerning urgent measures for the reorganization of civil protection, the state does not undertake to compensate the damage caused by earthquakes, landslides and floods, so it is increasingly essential to take out an insurance policy enabling to cover such events. 

Before choosing to take out an insurance policy, you need to evaluate everything that the contract guarantees, as well as analyze the restrictive covenants and find out what, instead, the bill does not include: usually exclusions are reported in his notes. 

In general, however, the policies are very flexible and customizable, so you can ask for solutions best suited to their needs.

WHAT INSURANCE COVERS FULL HOUSE IF ...

When choosing an insurance policy for your home, it is essential to carefully consider all the services offered by the companies, in order to favor the one that is most appropriate to their needs; at the same time, however, it is important to reach out to one that is more complete, the proposed policy that allows you to cover the minimum expenses necessary to overcome the moment of discomfort. 

The most complete insurance policies, for example, may send home a technician specializing in the installation of a fault, or even cover the legal costs to defend against accusations by third parties, for damage caused by the explosion of ' plant in your home. 

Below we provide all information about the most common cases of damage, or unfortunate events, involving the apartments, in addition also for the insurance coverage and the guarantees offered by insurance policies more comprehensive.

... FIRE SHOULD COME THE TELEVISION?

A comprehensive policy provides coverage of the following services:

• sending home Electrician
• compensation for the damage to housing
• compensation for damage to the contents of the house.

These last two points are valid in case of (respectively), for the first, were insured property or, for the second, the contents were insured property. 
In these cases, you do not need any advance, but payment is made ​​directly by the company, which providescoverage of the cost of repair up to the ceilings set.

... They break off PIPES, CAUSING A FLOOD?

The full policy, in this case, provides coverage of the following services:

• l 'sending plumber home
• the coverage of the Labour costs for materials
• the intervention of a 'firm specializes in drying techniques
• the coverage of costs related to the repair or replacement of broken pipes
• cover the possible cost for the demolition and reconstruction of the wall.

... Occurs LEAKS GAS?

The policy provides full:

• l 'sending of plumbing and heating, with the coverage of costs for labor and material costs required;
• cover hotel accommodation and breakfast if the house is down for 48 hours.

... THE HOUSE WAS SUBJECT TO BURGLARY BY THIEVES?

A comprehensive policy provides coverage of the following services:

• l 'sending Blacksmith
• l 'compensation for loss of contents.

Money and valuables are covered by a separate insurance, in proportion to their value.

FROM WHAT DEPENDS COST INSURANCE HOUSE?

The cost of its investment in an insurance home depends on a number of factors, first of all by thecharacteristics of the property to ensure, for example depending on the type of protection present in a house, the prize may be subject to change, particularly , to a discount if a dwelling shall present grilles, railings, doors (passive protection), or an anti-theft alarms, video surveillance systems (active protection). 

The premium cost is also established on the basis of square meters of housing, the town or area of residence, the value of the property to be insured, the type of home (house, apartment, terraced house, small apartment) and other factors related to the property and its owner. 
The policy on the house can be transferred from one property to another, therefore, in case of change of residence, will be easy to transfer insurance from one house to another (of course, if the characteristics of one, coincide with those of 'other).

WHEN IT IS CONVENIENT TO CHOOSE TO ENSURE YOUR HOME?

Choosing to ensure their home is a move always convenient, but it is particularly advantageous in the case in which the property is placed in areas at risk.

BETWEEN WHAT INSURANCE PRODUCTS FOR THE HOME YOU CAN CHOOSE?

Today you can choose between proposals that combine the insurance policy for the house and one for the family: home insurance, in practice, has expanded and the protection is also extended to the inhabitants of the building, not only to more breadwinner. 

In some cases, it is also possible to use insurance products that provide the 2x1, or by signing the bill for the house, you can also avail of discounts for the insurance of the house dedicated to the holidays. 

In other cases, however, you can combine home insurance with guaranteed coverage (medical and technical) in the event of serious accidents, in order to protect the living standards of the previous year. 

The latest arrival in the insurance products is the policy for the home mortgage, dedicated to those who are owners of a property and have entered into a loan for it.

The home insurance against theft: what are the shells? How is the prize?

The house is owned by a real estate first to be protected, as well as all that it contains: to start from the sentimental value, to get to all the material bonds with objects and furniture which each daily can not do without.

Many times, however, the house is left unattended, because work commitments, or a trip, can lead the inhabitants to stay several days off: thieves and burglars could be a serious problem in these cases, then you need to take action on the matter. 

You can not fill the emotional detachment of material goods, it is convenient to ensure against all objects, in order to cover any costs as a result of a theft.

WHAT IS THEFT INSURANCE?

You can take out an insurance policy home all inclusive, that is, a warranty that ensures full coverage of the damage occurred in an apartment, which also includes the damage caused by fires and failure of plant,however, the insurance companies offer specific packages , precisely to protect the loss, resulting from theft. 

In fact, insure your home against theft allows for compensation for all the damage done in the apartment by thieves or attackers.
Compensation is commensurate with the limits agreed in the insurance contract, also, theft of jewels and sums do not concern clauses including, therefore, are considered separately.
Home insurance policies are extended for the holiday apartments or muggings and robberies of goods that take place outside, in the immediate vicinity of the property insured, however, this clause must be specified in the contract. 

To obtain compensation in the event of theft, it must file the complaint to the police and make a request to the insurance company (you have to attach a copy of the complaint). 

The home insurance theft does not cover damage caused by the insured himself or his family, or in cases where the customer has not had the foresight to protect themselves in advance with appropriate means of closure and security.
Insurance coverage against theft include compensation for the following damage caused during the perpetration of a burglary:

• damage and faults caused by the thieves inside the house, as well as to the fixtures
• the damage caused to furnishings
• any costs incurred by the insured for duplication of personal documents stolen.

WHAT ARE THE TYPES OF THEFT FOR WHICH THE INSURANCE POLICY PROVIDES COVERAGE?

The home insurance, theft and robbery, allowing the contractor to repay the value of all the damage caused within the home; the types of theft covered by insurance are the following:

• burglaries and break
• theft committed using false keys or keys lost or stolen insured or his family; guarantee, in this case, is operating since the declaration of loss, until 24:00 of the third day following;
• theft with climbing, or when the robber enters inside the roundabout way to ordinary shares;
• theft for smuggling
• theft in the presence of the insured person or his family
• theft made ​​by domestic workers
• thefts and robberies carried out by threats and violence
• theft and robbery of objects or clothing in value.

WHAT ARE THE CIRCUMSTANCES SHOULD ENTER INTO A HOUSE POLICY AGAINST THEFT?

In the case of travel insurance or an RCA can take out a policy also limited to a short period, this, however, does not apply to policies on home.
Regardless of who you are away from home for a short or long period, it is convenient to take out a home insurance policy against theft throughout an entire year, as unlikely an insurance company will be willing to pay the damages caused in a property that is not It is inhabited by several months.
The home insurance against theft are strongly recommended for all those houses very isolated, as in the case of country villas, or located on the sea, as well as for all the apartments that are located in large urban centers particularly crowded.
The insurance policy on the house against theft can be taken either by the owners of the house, bothfrom tenants, but in this case, the coverage is valid only for material goods contained in the premises, therefore do not care throughout your entire house.

HOW IS DETERMINED THE COST OF INSURANCE PREMIUM FOR THE POLICY HOME AGAINST THEFT?

The amount of the insurance premium is determined by starting with some indicators, such as the following:

• the square meters
• l 'stacking of the property
• the province
• the type of construction.

Once the insured value, based on these variants, in case of theft, the company will refund the full amount of ceiling, even if the damage caused to the property insured is lower: in this case we speak of a policy first absolute risk, or you can choose the policy to a fixed ceiling.

EXAMPLES OF HOME INSURANCE AGAINST THEFT

Most home insurance policies against theft are only subscribed with other types of hedges, as in the case of guarantees on the damage caused by the fires, or RC to the contractor.
Many insurance companies allow you to protect your home from theft and causing damage to property, in the table below will provide general information on home insurance policies against theft, the main agencies: as he bids to Genertel, Direct Line, Genialloyd and Sara let take advantage of home insurance against theft as collateral, the other, however, offer specific policies against damage caused by household theft.