This is a question that we should all ask ourselves and, from the brokerage, we choose to say no. Today we are going to look at several coverages that many people are unaware of, and that most of the household insurance offer.
Home insurance and household appliances
For a few years now, some companies have been ahead of the curve in provide cover for breakdowns that may be suffered by our domestic appliances. 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, In the event of a power failure, the insurance company will also pay us. This means that if the dishwasher stops working due to a power cut, with a technical report to back it up, the company should not have too many problems.
In the same way that, as is often the case in summer, you go on holiday and when you come back, everyone food in the fridge and freezer is spoiling. It is important to take photos, but this is also covered by the “damage to refrigerated goods” guarantee.
Coverage outside the home
Many people think 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 guarantee protects us against possible harm that we or our children may cause to others. Examples: my son playing with the ball breaks the neighbour's window, or going to a party at a friend's house, we break his TV by carelessly passing by. The company would bear these costs.
In addition, we can also include OUR PETS and be able to cover any damage they cause to third parties.
Street robbery
It is becoming more and more well known, and our home insurance will cover the costs of the damage we may suffer in the event of theft, Theft is not covered, as long as there is intimidation or force involved in the robbery. That is to say, theft is not covered, such as when a mobile phone goes missing due to carelessness (for example, when you are in a café).
This is how we would be paid if we are robbed. money, mobile phone or other goods. Watch out here for the sub-limits The most important thing to remember is that some policies are very restrictive and only cover a small part of what has been stolen.
Legal defence
Thanks to the guarantee of legal protection, there are companies that even cover issues related to labour disputes.
In addition, many have 24-hour telephone for small queries we may have on tax or administrative matters.
Televisions, mobiles... Covered or not by insurance?
Finally, we wanted to leave something that is increasingly in demand and consulted. The breakage due to falls or other incidents with mobile phones, tablets or other electronic devices can be covered.
That's right, this coverage is far from equal in all companies.. There are rather few that really cover these issues well, and at a reasonable price, of course. And the fact is that many home insurance policies prefer not to cover these issues, just as there are specific policies for mobiles, tablets or televisions.
However, there are companies that are willing to cover it, albeit with a small excess to be borne by the customer.
If you want more information on this type of question or want to find out if your insurance has all of this, from PIB Group Iberia we are at your disposal. Do not hesitate and trust in a brokerage firm which manages more than 1,000 claims per year.
