How to choose the right home insurance?

How to choose the right home insurance?

To choose the right home insurance, it is imperative to take into account on the one hand, his needs and on the other hand, his budget. Insurers offer comprehensive home insurance (MRH) contracts tailored to each policyholder profile. These contracts include in particular essential guarantees (civil liability, glass breakage, etc.) but also optional guarantees (household appliances, new refitting, legal protection, etc.). To take out home insurance, it is possible to turn directly to an insurance company, but also to contact a bank or even a broker. It is strongly recommended that you contact several insurers to compare their proposals. And for good reason, as their prices are freely fixed, they are likely to vary significantly from one company to another. It is, therefore, a good idea to simulate home insurance before taking out your contract. In addition, before committing, it is important to check:

    The limits of guarantees.
    The conditions for triggering the guarantee for liability contracts,
    as well as the applicable law and the authorities to be seized in the event of a dispute.

Generally, vehicles are not guaranteed by the comprehensive home insurance contract.
How is the home insurance premium calculated?

The amount of comprehensive home insurance (MRH) varies depending on the coverage chosen and the characteristics of the insured home. To estimate the amount of the insurance premium, the insurer takes into account in particular the location of the accommodation, the value of it and the furniture, the area of ​​the property, the status of the occupant (tenant or owner) and the amount of deductibles. Note that the higher the deductibles, the lower the amount of the insurance premium. Before signing a home insurance contract, the owner or tenant should make sure that the amount of the insurance premium is within their budget. If the subscriber has a tight budget and his home does not contain valuable goods, he can in this case be satisfied with home insurance including only basic guarantees. Note, however, that if the contract contains a review clause, the insurer reserves the right to increase the amount of the insurance premium each year.

Insurance payment can be made once a year or in installments, through monthly, quarterly or semi-annual installments.