Hire a home insurance: things you should know to take it
2020 has been a difficult year that has required large coverage in all sectors, especially as far as home insurance is concerned, and that is why from Grupo Mar de Casas we put at your disposal all the things to take into account when hiring a home insurance so that you have your home insured in the most efficient and economical way possible.
Hire a home insurance: calculate the value of your objects and insure the content is key against damages of all kinds
When hiring home insurance we must take into account the value of the objects that are located inside the house, so it is ideal to carry out an appraisal of objects of great value such as electrical appliances, technological and computer systems , musical instruments, furniture or objects of sentimental value that may be of high value in the future (and that you must photograph for the insurance calculation).
These objects must be taken into account that they can be appraised at their current value, that is, the real economic value of the object, which is known as replacement value or be appraised at its real value, which would be influenced by its depreciation, especially computer systems or telecommunications (affected by planned obsolescence), furniture…
In addition, we must be clear that movable property found outdoors must also be clearly valued since they can be affected by all kinds of atmospheric agents (rain, hail, falling branches…) or can also be stolen, adjusting always at a certain price and that will go down.
Hiring a home insurance is to face electrical damage due to overloads in the contracted power or unforeseen electrical charges that can damage electrical objects and even damage the structure of our home and, together with these, fight with the insurance company for aesthetic damage both on the facade and inside the house. But, do you never clarify with the coverage of your home insurance? We solve your doubts a little below, continue reading.
Hiring home insurance: learn your coverage well, it’s key
Contracting home insurance means being clear about what coverage or clauses I will have access to in case of unforeseen events or damages, so the more we have, the more covered we will be, so we must weigh its economic value from the insurance company’s proposal, the value of the content and container of our home and what we can cover in case of damage, choosing the one that best suits our needs.However, there are compulsory coverages in your home insurance such as coverage for civil liability for damages to third parties, covering the damages that you, as a user of that space, generate over time, for example, to neighboring neighbors, such as floods, fires, damage due to poorly executed works that could affect your neighbors…; legal defense that will allow you to take legal action against legal claims not attended by your neighbors as well as defend yourself otherwise; damage to the continent, that is, structural damage to the façade, walls, door … and damage to the content or insuring everything of value that we possess.
Attached to these four clauses of your insurance policy, we must add all those that we consider necessary to cover our home in the most coherent way possible. Thus, a question arises when talking about basic coverage, are they really effective? We continue to give you more tips to hire your home insurance.
Hiring home insurance: the more, the better
The time has come to contract home insurance and we always ask ourselves the same question, is what is contracted really enough? It is clear that the basic clauses of our home insurance cover aspects such as fire, flood, theft, damage to third parties and damage to the interior of the home, but, it is true, that many times they are hidden among thousands of signature papers of the contract and do not include it, so we advise you to read well, ask and inform yourself since the more you have contracted, the better coverage you will have, simple and direct.
Therefore, you must carefully analyze what each clause of your insurance policy includes and add until you feel that your protection and that of yours is adequate, both inside and outside the home.
Other aspects to consider when hiring your home insurance
When contracting the home insurance, terms such as deficiency and exclusion arise that condition its articles since having a grace period in which the insurance is not covered against specific damages can pose a risk to the container and content, as well as the limits of insurance coverage and that can lead us to a good financial scare when having to face the expenses that an incident in our home entails and that the insurance does not cover, in whole or in part.At Grupo Mar de Casas we advise you to make use of insurance comparison platforms and go to inform yourself in each of the existing insurance companies as well as institutions such as the Insurance Compensation Consortium that will help you resolve doubts that may arise at the time to proceed with the contracting of your home insurance.
