You think that you have well insured and protected your Jewelry Y Objects of Special Value (OVE) inside your safe through the home insurance and it may not be true, as your home insurance requires that you safe The safe meet specific characteristics.
“If your safe or cash box does not meet the definition of your home insurance company, in case of theft, you will not have coverage.”
Below we reflect the definition of safe or safe deposit box for home insurance from the main companies in the sector:
REAL
FLOW BOX those of more than 100 kilos of weight, or those recessed or anchored by concrete to the fixed elements of construction. As a closing element, they will have a lock and combination or two locks or combinations, and will be made of concrete and / or tempered steel.
AXA
Safe: Safe that meets one of the following characteristics:
- Embedded in the floor or wall, or
- Anchored to the floor or wall, or
- More than 100 kilos of weight, or
- For rent in a bank.
MORE ULTRA
Safe: One that as a closing element has a security lock and combination to block its opening, whose walls are made of tempered steel or another material that offers similar resistance to breakage, penetration and fire, and that is embedded and received from work in the wall or attached to the ground by means of anchors or that, in the absence of such anchors, has a minimum weight of 100 kilos.
ZURICH
Safe. Safe built-in or entirely anchored to the floor or wall, or that weighs more than 100 kg, duly locked and / or the combination activated to block its opening.
MAPFRE
SAFE SAFE:
That which as a closing element has a security lock and combination to block its opening, whose walls are made of tempered steel or another material that offers similar resistance to breakage, penetration and fire, and that is embedded and received of work on the wall or fixed to the ground by means of anchors or that, in the absence of such anchors, has a minimum weight of 100 kilos.
LIBERTY
Safe: Boxes weighing less than 100 kg are considered as such as long as they are embedded or anchored to fixed construction elements, or those weighing more than 100 kg without embedding or anchoring. As a closing element, they will have a lock and combination, or two locks, or two combinations, and will be built with materials that offer resistance to penetration and fire.
By type of installation there are 3 types of safe The safe:
- The recessed: all companies cover them without exception.
- The laptops: all companies usually coincide in covering those that weigh more than 100 Kg.
- The anchored: here they already differ, as some require that it be with concrete and others simply reflect “anchored”, so it is understood that they accept the anchorage of any type authorized for this type of safes, usually with special screws.
Some companies even accept rental safes from a bank.
With respect to closing element they also tend to coincide, demanding be with lock Y combination.
And finally about the building material, they usually require it to be in concrete y/o tempered steel, and some in any case, accept other material offering similar resistance to breakage, penetration and fire.
Discover in your General Conditions (CCGG) What definition of safe or safe does your home insurance company make, and avoid future unpleasant surprises.
–
