The need to take out home insurance is a fact. No one is free from having a leak that causes damage to a neighbour, or that we go on holiday and someone can enter our home. Precisely for this reason, we want to clarify the basic elements that affect home insurance, in order to understand the policy well and know what to take out.<\/p>\n
The civil liability guarantee is essential because covers damage we may cause to a third party (e.g. our neighbours).<\/strong> involuntarily, due to losses occurring in the insured property. That is to say, while through building and contents we cover our own property, this guarantee protects us from the compensation that we have to pay for damages caused to others.<\/p>\n In addition, the home insurance policy for our main home usually includes the private and family CR guarantee<\/strong>, The insurance covers issues that may occur outside the home (damage caused to third parties) by the inhabitants of the insured property.<\/p>\n An example would be if our child, playing in the park, breaks the window of a shop; or if we have a non-dangerous dog, the damage it may cause.<\/p>\n Once we have seen the differences between the two, it is essential to know how we can value them.<\/p>\n Let us remember that the correct valuation of these capitals is very important. important in order to avoid problems in the event of a claim.<\/strong> If we do not do this correctly, we could: either overpay the premium or, if we undervalue the building and\/or contents, we could be charged a proportional rule<\/a> and compensate us below the damage we suffer.<\/p>\n The first thing we understand, as insurance brokers, is that the priority should be to know that you are well covered. Once we know that, the insurance company will always value positively the fact that the home has good protection against theft<\/strong>, The installation of an alarm or a security door would reduce the rate applicable to the burglary guarantee.<\/p>\n At the same time, if the your policy's claims experience is good<\/strong>, You could always ask your mediator for an additional discount from the company; at the same time you should be aware that you have to have forms of payment<\/strong> The fact that the payment of premiums in instalments (half-yearly, quarterly or monthly) is often accompanied by surcharges, which we can save if we are able to afford to pay in the form of an annual premium, means that we can avoid these surcharges.<\/p>\n It would be desirable to contracting our policies with a professional insurance broker<\/strong> that inspires confidence, as this person or this brokerage are professionals in the insurance sector, and on a daily basis they are underwriting policies, managing claims, and can see which issues are causing problems, which companies are not responding well, which companies are not responding well, which companies are not responding well.<\/em>, and correct it so that their customers can be fully satisfied.<\/p>\n On the other hand, if you go directly to an insurance company, a bank or an insurance agent, they will logically sell you the only product they have, which may be good, bad or average.<\/p>\nHow I value my Continent and my Content<\/h2>\n
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\nWhat is essential to know is that this value does not resemble what the market value might be at the time, but that we are always talking about the cost of reconstruction, without taking into account the price of the land.<\/li>\nHow can I reduce the cost of my home insurance?<\/h2>\n
How do I know I am well covered<\/h2>\n