Home insurance: which guarantees to choose?
A home insurance contract can contain different guarantees. But to choose these guarantees well, it is necessary to take into account your lifestyle, your needs, the nature of the accommodation you occupy, etc. Some options will then be interesting for a certain profile of policyholders, while others - being unsuitable for them - will integrate basic contracts.
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Home insurance: which guarantees to choose?
The level of guarantees depends on your profile and your situation. © JenkoAtaman
Summary
Why buy home insurance?
Is home insurance compulsory?
What are the guarantees built into home insurance?
What are the optional guarantees?
How to choose your level of guarantee?
Why buy home insurance?
Whether you are a tenant or owner, of a primary and / or secondary residence or even of a rental investment property, home insurance provides you with optimal coverage against damage and claims that may occur in the home. How? 'Or' What ? By ensuring you support the repairs and costs generated by this event. These costs can increase rapidly depending on the loss, the degree of importance, the number of people affected by the loss, etc. Home insurance therefore allows you to benefit from a certain level of protection and saves you significant expenses in the event of a problem with your home.
Is home insurance compulsory?
In theory, only tenants and co-owners are required to take out minimum home insurance coverage. Indeed, they must be able to compensate third parties who may be impacted in the event of a disaster. This obligation does not apply to owners - occupants and non-occupants - of individual dwellings. However, it is in the interest of the latter to take out a home insurance policy. With regard to owner-occupants, the risks incurred in the face of claims and damage to the accommodation are the same as for tenants. Therefore, repair and compensation costs can be particularly high if something goes wrong. With regard to non-occupying owners, the risk arises from the fact that it is not possible to impose on the tenant a degree of cover higher than the legal minimum, which only implies the subscription of a guarantee. public liability. In the event of major damage, if the tenant is not covered, you may find yourself having to deal with complicated situations, with major repairs and so on.
Do not hesitate to request a home insurance quote to get an idea of the cost of your protection.
What are the guarantees built into home insurance?
Most home insurance contracts include "basic" guarantees, which cover the main risks that everyone faces with respect to their home.
Civil liability guarantee
It represents the mandatory minimum for tenants and co-owners. This guarantee makes it possible to compensate third parties affected by a disaster in the insured's home. For example, in the event of fire or water damage, it is not uncommon for neighbors to be affected. The civil liability guarantee therefore makes it possible to compensate them in the event of damage.
Water damage guarantee
As this is the most common claim, it is systematically included in basic home insurance contracts. However, be sure to include damage such as flooding, broken pipes and infiltration of facades.
The fire guarantee
It allows you to be covered in the event of a fire, but there are certain exclusions of warranty in the basic contract that it may be worth taking into account. Depending on the situation, you can especially consider integrating an electrical damage option, especially if you have high-end devices. Also consider extending your protection to smoke-related claims and not to flames. Finally, it is possible to take out an option for "voluntary" fires, caused for example by a barbecue or a cigarette.
The theft, burglary and vandalism guarantee
This guarantee is essential but it is necessary to take stock with your insurer concerning the conditions to benefit from compensation. It may be mandatory to install bars on the windows, an alarm, a 5-point lock, etc. And your accommodation must comply with these obligations in order to be able to trigger the guarantee.
Glass breakage guarantee
A disaster can occur as a result of a project throw
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