This is a question that we should all ask ourselves and, from the brokerage, we choose to answer no. Today we are going to look at several coverages that many people are unaware of, and that most home insurance policies offer.
Household insurance and household appliances
A few years ago, some companies started to provide coverage for the breakdowns that our household appliances may suffer. Nowadays almost all of them offer it, but be careful, it is usually an optional guarantee, which we must request and pay a supplement for it.
In addition, of course, electrical damage is covered, so in case of a power disturbance, we will also be paid by the insurance. This means that if the dishwasher stops working due to a power outage, with a technical report to support it, the company should not have many problems.
In the same way that, something that often happens in summer, you go on vacation and when you come back all the food in the fridge and freezer spoils. the food in the fridge and freezer spoil.. It is important to take photos, but this is also covered by the “damage to refrigerated goods” warranty.
Coverage outside the home
There is a conception on the part of many people that home insurance only covers issues that occur in our home. However, we are going to see that there are several guarantees that can cover circumstances that do not even have to do with the home:
Family liability
This warranty protects us against possible damages that we or our children may cause to others. Examples: my son playing with the ball breaks the neighbor’s glass, or going to a party at a friend’s house, we break his TV by an oversight when passing by. The company would assume those expenses.
In addition, we can also include our pets and be able to cover the damages they cause to third parties.
Street robbery
It is becoming more and more known, and it is that our home insurance will assume the damages that we may suffer in the event of a robbery, provided that there is intimidation or force in the robbery. That is to say, theft is not covered, as it could be that by an oversight our cell phone disappears (for example while we are in a cafeteria).
In this way we would be paid if money, the cell phone or other goods are stolen. Be careful here with the sub-limits that each policy has, as some policies restrict it very much and only cover a small part of what is stolen.
Legal defense
Thanks to the guarantee of legal protection, there are companies that even cover issues related to labor disputes.
In addition, many of them have a 24-hour telephone number for small tax or administrative queries.
Televisions, cell phones… Covered or not by insurance?
Finally we wanted to leave something increasingly demanded and consulted. Breakage due to falls or other incidents with cell phones, tablets or other electronic devices can be covered.
However, this coverage is far from being the same in all companies. There are rather few that really cover these issues well, and at a reasonable price, of course. Many home insurance companies prefer not to include this coverage, as there are specific insurances for cell phones, tablets or televisions.
However, there are companies that are willing to cover it, albeit with a small deductible that the customer has to assume.
If you want more information about this type of issues or you want to know if your insurance has all this, PIB Group Iberia is at your disposal. Do not hesitate and trust in a brokerage that manages more than 1,000 claims per year.
