How to properly estimate the price of home insurance?
Type of housing, surface area, number of rooms, location, selected guarantees ... several criteria are taken into account in calculating the price of home insurance. Here's everything you need to know to get the most accurate idea possible of what that cost is.
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How to properly estimate the price of home insurance?
Size, location, number of rooms ... the price of home insurance takes many criteria into account. © mapodile
Summary
Home insurance: its price varies according to the characteristics of the property
The value of the goods to be insured has an impact on the cost of the guarantee
How to lower the cost of your insurance?
How much is compensation after a loss?
Home insurance: its price varies according to the characteristics of the property
The price of home insurance takes into account various criteria, starting with the nature and characteristics of the property to be insured. For example, the cost of insuring an apartment is generally less than that of a single-family home. Are also taken into account in the calculation of the price of the home insurance, the use which one makes of the property (main or secondary residence), its surface area, the number of rooms, the presence or not of outbuildings (garage , workshop, etc.) or equipment (swimming pool, tennis court, etc.), the age of the accommodation or its geographical location. Indeed, some areas present a higher level of risk than others (burglaries, storms, floods, seismicity, etc.). The price of home insurance therefore tends to be higher there. With regard to apartments, it should be noted that insurance for accommodation located on the ground floor costs more than that for property located on the upper floors. Indeed, statistics tend to show that ground floors are more prone to burglaries than accommodation located on upper floors.
The level of security of your home has an impact on the amount of your home insurance.
The value of the goods to be insured has an impact on the cost of the guarantee
When taking out a home insurance contract, the insurer asks the insured to choose the amount of capital for his home. Clearly, the subscriber must determine the value of all the goods in his home (furniture, appliances, decorative items, computers, high-tech, clothing, valuables, etc.). This is a crucial step, the importance of which cannot be underestimated. And for good reason, in the event of a claim, compensation for movable capital will be capped at the movable capital indicated by the insured. In addition to this, the estimated value of the insured property directly impacts the price of home insurance. It is therefore essential that the estimate of the value of the goods to be insured be as precise as possible. If the insured has kept all of his invoices, then all he has to do is add up their amounts to find out the overall value of the goods to be insured. If the invoices have not been kept, the insurer can help the insured to estimate - as accurately as possible - the value of his property.
When determining the value of the goods to be insured in their home, however, the insured may encounter difficulties in terms of their valuation or, conversely, their depreciation over time: the usage price (replacement value after deduction for obsolescence) of certain goods decreases year after year while the value of other goods remains stable or even increases. For certain objects such as valuables (antiques, precious furniture, jewelry, etc.), for example, it is therefore strongly recommended to have recourse to an expert in order to be able to rely on an estimate that is both reliable and precise.
The level of deductible and the guarantees taken out are directly correlated to the price of home insurance.
How to lower the cost of your insurance?
To get the best rate for your home insurance, there are several tips to follow. At first, it can be advantageous to play the competition, especially by not hesitating to request a home insurance quote from different insurers. Note that it is also possible to use an online insurance comparator, in order to get an idea of the offer that best meets your needs and budget. To lower the cost of their home insurance, the insured can also play on guarantees, for example by choosing to subscribe only a few optional guarantees. The insured must nevertheless be vigilant if he wants to be properly covered in the event of a claim. The amount of the annual premium can also be reduced by opting for a deductible (amount remaining payable by the insured in the event of a claim)
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