How to insure an exceptional good?
Insurance is a world in itself, a very distinct universe, offering a variety of products that all have the same goal: to protect. Whether it is a person or an asset, there is a suitable solution to help you better digest the loss caused by this upheaval.
Main types of insurance
The protections are varied and customizable. In insurance of persons (aimed at protecting a being who subscribes to the insurance, i.e. the insured), there is life insurance (temporary, permanent and universal) and complementary health insurance, such as critical illness insurance or disability, among others.
Damage insurance, on the other hand, provides compensation in the event of damage to material property. It also includes third-party insurance, including liability or professional insurance for companies.
It is therefore through damage insurance that you can insure your exceptional property. This is because home insurance not only helps you protect your home, but also its contents.
Why insure a property?
Insuring a property allows us to replace it in the event of loss. This is especially useful when you have a mortgaged house, valuable jewelry left as an heirloom or a nice collection of works of art, for example. After all, no one is safe from water damage, theft, vandalism or fire.
What goods to insure?
Several websites offer tools to make an exhaustive list of your goods, to assess their value more precisely. You can thus include all your valuables in addition to all the goods you wish to insure.
You can insure the property of others, under certain conditions. Indeed, you must have an economic interest in connection with an object whose loss would cause you direct financial damage.
How to insure a property?
Insurance comparators, like InfoPrimes, offer you a variety of home insurance from the best companies on the market. From an online request, you can personalize your protection, by adding, in particular, all-risk insurance (protects against all risks!) Or riders covering external outbuildings, such as the swimming pool and the spa that cannot be are not covered, as a rule, by standard home insurance and risks not included.
For valuables, a professional appraiser should be used to determine the marketability of the item in question. This assessment may be required on a regular basis, every two or five years, for example.
For how much?
For home insurance, the insured amount takes into account reconstruction costs and not the current value of the home. Also, do not forget to plan for the costs associated with the disaster (demolition, cleaning, etc.) as well as the improvements made to the home over time, such as the addition of a room.
For goods, it is always advisable to keep receipts in digital form. Scan them then file them in virtual or cloud folders. So you will always find important documents at all times.
At all times, contact an InfoPrimes expert to insure your exceptional goods at competitive prices.
إرسال تعليق