Before contracting any service or buying any product, it is always advisable to know a minimum set of guidelines, the basic characteristics that will at least allow you to distinguish a bargain from a scam. Here are the ones that we believe will ensure that you don't fail when choosing your insurance policy home, at least fundamentally.
Tips for choosing your home insurance
- Stop and think, for a minute, about the total value of your contentcontents“ are understood as those goods that, in the event of a hypothetical move, you could take with you to your new home. Sofas, furniture, televisions, electrical appliances, jewellery, computers, clothes... Whatever you think you should put in the policy (no less, no more).
- Take out cover for cosmetic damage: this guarantee offers the replacement of those parts of the building that have lost the aesthetic harmony of the room due to an accident. That is: the entire floor has to be replaced, the entire bathroom tiling, or the entire room has to be painted, because even if the damage is located in a small area, the tiles are already discontinued, or everything has to be painted, etc. This is achieved thanks to the “aesthetic damage” (better the €3,000 limit option). Nowadays there is also a guarantee for aesthetic damage to the contents; ask us which company offers it.
- Visit our Ranking of best home insurance
About the Civil Liability guarantee
- THREE) In the “Civil Liability” guarantee”, The insurance policy, which covers damage you may cause to a third party (the neighbour, or the person whose glass your toddler broke with the ball), do not go below €300,000 of coverage. This sounds outrageous; however, it will not be the first case we have had at the brokerage where a burst pipe in winter has damaged the flat below, which had antique furniture, Persian carpets and priceless jewellery. What we are saying is, as you don't know what your downstairs neighbour has, don't hesitate to go from €150,000 to €300,000; it probably won't be €10 too much.
- Contracts the “Private or family CR”.”This allows us to be covered against practically any contingency that, even outside our home, could endanger our assets.
For example: if I have a dog, the damage I cause to a third party (if it is dangerous, separate insurance is likely to be needed); if I ride a bicycle and unintentionally cause damage to someone else, we are covered; if my child unintentionally knocks over a vase in a shop, or a friend's iPhone, so is it.
The virtue of truth
- Don't lie about anything: neither in the protections of the home, nor in the value of the contents (lowering it to save me 15% of the cost of insurance), nor in the value of my jewellery or the amount I have in storage.
The reason is very simple: we know that insurers are increasingly being lied to in the event of a claim. For this reason, the companies appoint loss adjusters to make sure that the valuations are correct and that everything in the home matches the policy. If we do not comply with this, we may find that they may not pay anything for the claim.
These are some guidelines that may help you to avoid making a mistake. Nevertheless, every company has its trickThe following are some unwanted sub-limits, some coverage that is not basic but complementary, some guarantees that are offered only by certain companies. For this reason, having a Brokerage will help you with claims management, to avoid unwanted surprises.
If you need any further advice, or if you would like us to make a comparison between the best household insurance, Please do not hesitate to contact us.
