{"id":15214,"date":"2017-04-18T13:00:29","date_gmt":"2017-04-18T11:00:29","guid":{"rendered":"https:\/\/pibgroupiberia.com\/?p=3970"},"modified":"2025-05-23T11:07:06","modified_gmt":"2025-05-23T09:07:06","slug":"what-is-multi-risk-home-insurance","status":"publish","type":"post","link":"https:\/\/dev.pibgroupiberia.com\/en\/blog\/que-es-el-seguro-multirriesgo-para-el-hogar\/","title":{"rendered":"What is multi-risk home insurance?"},"content":{"rendered":"<p>Today we want to talk about what a multi-risk home insurance policy consists of. We are going to understand the reason for this special name, and how the home insurance policy has evolved from its origins to what the companies offer today.<\/p>\n<h2>YESTERDAY'S home insurance<\/h2>\n<p>In the beginning, home insurance was not known as such. It was known as home insurance. <em>\u201cfires\u201d<\/em>. For this reason, we will see in many houses: <strong><em>\u201cfire insured\u201d.\u201d<\/em><\/strong>, The only thing that was covered at the time.<\/p>\n<p>Why? The clearest reason: it was the main risk of an accident at the time, as the houses were built with other materials. Wood was present in a higher proportion in these constructions, so being a more flammable product, the chances were higher.<\/p>\n<p>Moreover, if a fire broke out, as the means of extinguishing it were not as advanced and widespread, it was much more serious than it is nowadays.<br \/>\nThe example of Santander in 1941, for example, razed the historic centre of the city to the ground.<\/p>\n<h2>Home insurance TODAY<\/h2>\n<p>Gradually, as customers' needs evolved, new guarantees were introduced. Among others, we are talking about:<\/p>\n<ul>\n<li>glass breakage,<\/li>\n<li>civil liability,<\/li>\n<li>water damage,<\/li>\n<li>burglary in and outside the home,<\/li>\n<li>the <a href=\"\/en\/blog\/electrical-damage-in-my-home-insurance-policy\/\"> electrical damage in home insurance<\/a><\/li>\n<\/ul>\n<p>This continuous improvement of the policies is still present. The latest: the handyman service or DIY service, much in demand by customers, for small incidents that we may have in our home.<\/p>\n<h2><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-3972\" src=\"\/wp-content\/uploads\/2017\/04\/multirriesgo-seguro-hogar.jpg\" alt=\"Main claims in home insurance\" width=\"950\" height=\"633\" \/><\/h2>\n<h2>Main problems in home insurance<\/h2>\n<p>The <strong>accident rate<\/strong> of home insurance policies has increased compared to what it was a few years ago. In times of crisis, like so many things, premiums have been adjusted and claims have increased.<\/p>\n<p>The main causes of claims in home insurance are:<\/p>\n<ol>\n<li>Water damage<\/li>\n<li>Glass breakage<\/li>\n<li>Atmospheric phenomena<\/li>\n<li>Electrical damage in the home<\/li>\n<\/ol>\n<p>The first two <em>\u00abthey take the cake\u00bb.\u00bb<\/em>. But the truth is that the claims rate in home insurance is contained. Three quarters of insured homes do not have a single claim per year, which is very positive for the evolution of premiums. If there are 18 million homes with policies, less than 5 million have at least one claim.<\/p>\n<p>If you would like us to make a professional comparison of the <a href=\"\/en\/individuals\/insurance-solutions-for-individuals\/household-insurance\/\">best home insurance<\/a>, Contact us and find what you are looking for now.<\/p>","protected":false},"excerpt":{"rendered":"<p>Home insurance covers many issues that were not previously included in the policy. We see it<\/p>","protected":false},"author":14,"featured_media":15215,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[16],"tags":[161],"class_list":["post-15214","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-particulares","tag-hogar"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/15214","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/comments?post=15214"}],"version-history":[{"count":0,"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/15214\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/media\/15215"}],"wp:attachment":[{"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/media?parent=15214"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/categories?post=15214"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/tags?post=15214"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}