Whether you are an owner or a tenant, the time inevitably comes to insure your home in the event of a possible disaster. So don’t delay in discovering the best advice for choosing your home insurance in the following lines.
In order to choose the right home insurance, remember to define your needs and your budget beforehand. Don’t hesitate to compare prices using an easy-to-use search engine, such as Home insurance comparator. Take into account that this independent and impartial comparator offers free quotes in just 5 minutes and clear and precise explanations. It’s up to you to find the insurance that best meets your needs.
Tips for choosing the right home insurance
Is it mandatory to have home insurance?
If you are the owner of the property in question, you are not obliged to take out a home insurance contract. However, the latter remains essential in order to be compensated in the event of a claim, such as flood, fire or burglary. Take into account that home insurance is compulsory for co-owners, as well as for tenants.
Why take out insurance as a tenant?
Home insurance is not only a means of ensuring your peace of mind, but also an obligation in certain cases. Be aware that as a tenant you are obliged to take out a home insurance contract. This is necessary because you are legally responsible for the damage caused to third parties by a possible disaster. If you do not have insurance, you risk being evicted from the accommodation or in the event of a disaster, you will have to compensate any neighbors affected.
Here are the reasons why you should take out a home insurance policy
When to insure your new home?
As an owner, you are not obliged to take out a home insurance contract. But, if your new home is part of a condominium, you will have to insure it so that you are compensated in the event of a claim. If you do not want to insure your home, be aware that you are considered responsible for any damage caused to third parties. It is therefore preferable to bet on insurance as soon as possible after the purchase of a property to ensure your own peace of mind.
It is better to bet on insurance as soon as possible after the purchase of real estate
What are the most common home insurance claims?
The most common home insurance claims are water leaks, fire, burglary and vandalism.
What are the obligations and risks that home insurance must cover?
Home insurance covers damage to property, the insured’s civil liability and “private life” civil liability. Note that multi-risk home insurance also covers damage, such as fire, water damage, frozen pipes, storms and natural disasters, burglary and vandalism, as well as glass breakage.
When does a home insurance contract take effect?
Note that the date of formation of the home insurance contract may be different from the date from which the insurance guarantees come into force, if this is specified in the clauses of the insurance policy. Otherwise, the contract takes effect at the time of its subscription.
The ideal time to insure your home in the event of a possible disaster
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