What is the legal protection relating to insured property?


The legal protection of home insurance, relating to the insured property, is an option that can be integrated into the comprehensive home contract and which can be very useful. Indeed, it allows you to be advised, represented and defended in the event of a dispute with a third party, with full or partial coverage of the costs incurred for the procedure.
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What is the legal protection relating to insured property?
The legal protection of home insurance works, in particular, in the event of work. © Gregoire
Summary

    What is legal protection relating to insured property?
    Who is covered by legal protection for home insurance?
    Which cases are covered by legal protection?
    How to activate legal protection?
    What are the warranty exclusions from legal protection?

What is legal protection relating to insured property?

Legal protection relating to insured property is an option that can be integrated into the home insurance contract and which allows the insured to benefit from assistance and support in the event of a dispute with a third party. This option makes it possible to be advised, represented and defended if a conflict arises, whether the insured is the subject of a complaint from a third party or whether he himself is the source of a complaint and that he wishes to obtain redress. Concretely, you can benefit from several different aids and benefit from legal protection at different stages, such as:

    Information and advice about your rights. You benefit from an exchange platform and / or a number to contact in case of questions and you can benefit from assistance and information on everything relating to your rights, possible remedies, a description of the procedure to follow, etc.
    The establishment of an attempt to settle the dispute amicably because in many cases, it is judicious, even mandatory, to try to settle the conflict without asking the courts, in particular with the help of a mediation. In this context, the insurer can take charge of all or part of the procedures to be carried out, such as a bailiff's report, the use of a lawyer or an expert. You then benefit from assistance in every step.
    Support in the event that the conflict ultimately ends in trial because it could not be resolved amicably. Most of the time, the insured can freely choose his lawyer, but the insurer can advise and direct him to offer him a professional if necessary.

Who is covered by legal protection for home insurance?

In most cases, the legal protection of home insurance covers not only the insured, i.e. the one whose name appears on the contract, but also his relatives, such as a spouse, for example. But this contract also extends to minor children, adult children who are still dependent on the insured, as well as anyone who lives in the home of the insured on a daily basis. By extension, other people can benefit from this legal protection:

    The minor children of one of the two spouses.
    The adult children of one of the two spouses, if the latter are single, childless and remain dependent on the couple.
    The ascendants of either spouse.
    People for whom the insured is possibly the tutor or curator.
    The people that the insured represents under family authorization.

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