5 basic home insurance coverages

Creating a comfortable home, safe and with all amenities entails a great effort. Think that all the work can be ruined by a fortuitous and unexpected accident. puts the willies. Accidents can not be predicted and avoiding them is difficult when they are not within reach of your hand, but have an insurance to protect the site to live each day, is synonymous with peace of mind.

There is no legal obligation to take out insurance for the home, but it is important to consider the fact of protecting all our possessions in some way. In addition, it is not only protect us but also others of what can cause us. Not having home insurance or have one that does not give us guarantees of protection can be very harmful to our pocket, in case of an incident. According to the memory Social of the insurance Spanish of 2012 by the Business Association of the insurance and taking data from ICEA (cooperative research between insurance companies and pension funds), 79% of households who are insured do not have any sinister, but and if you’re of the remaining 21%?.

There are 5 basic home insurance coverages that bring tranquility to any of its owners to avoid unexpected:

Continent. Protect your House structurally speaking is what provides coverage of damage from mainland. We refer to ceilings, floors, walls, windows, facilities… everything what is part of the set’s construction.

Content. Having coverage in which all those goods that enter into the property, such as furniture, appliances, jewels… are safeguarded guarantee repair of the damage which they suffer. The insured value is essential to be real, since that value is set in the policy will depend on the amount of compensation in case of accident.

Civil liability. This time it’s protecting others. Civil liability coverage is that cover the damages to third parties. In this section there are occasions that is usually also consider pets, important to keep in mind for the animal lovers.

Theft. According to data from the Central receiver of alarms of Securits Direct thefts in homes in Spain increased by 33.5% compared to the previous year. It seems reason enough to have this coverage so essential in the home insurance policy. The removal of any of the goods referred to in the insurance is compensated thanks to this coverage.

Fire and water damage. According to ICEA, 34% of losses suffered in the home and which require the intervention of the insurance are caused by water. Be protected against such events is essential within a home insurance. In addition within the basic insurance, it is necessary to include coverage of fire, because not having it can be assumed the total loss of housing or its value.

This is the top 5, but there is more coverage that can make your policy to support your home completely. What is truly important is to provide well insured amounts since it will depend on the response from the insurance company. Correctly rating the content and the continent, as well as establish a high amount for Civil liability, guarantee a good peace of mind as a starting point. Remember that, today, insurance companies are committed to customizing locks, so it is possible that you can create a policy to the letter.